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Regarding The ACA - Already having health insurance

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  • Democrat
    Pennsylvania
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    Hello, my wife has insurance through her work but was curious if she has the option on opting out and signing up with the ACA exchange if she found it to be beneficial. Would that depend on her employer? I try to keep myself as informed as possible on current issues at home (U.S.) and abroad but this isn't something that I've really heard anybody discuss.
  • Democrat
    Philadelphia, PA
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    If your wife has what is now known as a Cadillac plan with her employer, I would not even entertain the notion, let alone a thought of moving over to the ACA, now some plans are union contractual with the employer, which means she would still pay dues/shop fee and she will just not get any benefits, so that yes, that would prove to be a difficult and most certainly an expensive option, if however she a company plan that is similar to the ACA's bronze plan ,I would check it out.
  • Republican
    Royal Oak, MI
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    My friends and I have been getting letters from our doctors and clinics saying they are being dropped by our insurance carriers. We are on Medicare. My one friend is a 2 year cancer survivor and Cancer Centers of America is no longer being serviced by her Medicare supplement plan.

    We are all being pushed into Obamacare. There will be many more letters going out!
  • Republican
    Royal Oak, MI
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    Do not do anything now! There are several factors:

    Are there more than 50 employees at her company?

    If so, her company can reduce the number of full time employees by putting the overage on part-time status (less that 30 Hrs.) that way her company doesn't have to switch.

    While her company determines what packages are offered, the ACA requires that they MUST have all of the Essential Benefits
    which they MUST provide. These policies are 150% - 200% more cost, have higher deductibles and have higher out-of-pockets deductibles.

    The insurance companies are screaming because they can't afford these increased benefits. Doctors are getting paid less. Companies can't continue offering the expanded care. Some are dropping coverage for families and only covering the employee.

    While I have first hand experience with the ACA, I am unable to spell out all the many pieces.

    You will be getting a letter(s) before Jan. 1, 2014 letting you know when and if there are any changes.
  • Democrat
    Texas
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    clc Wrote: Do not do anything now! There are several factors:

    Are there more than 50 employees at her company?

    If so, her company can reduce the number of full time employees by putting the overage on part-time status (less that 30 Hrs.) that way her company doesn't have to switch.

    While her company determines what packages are offered, the ACA requires that they MUST have all of the Essential Benefits
    which they MUST provide. These policies are 150% - 200% more cost, have higher deductibles and have higher out-of-pockets deductibles.

    The insurance companies are screaming because they can't afford these increased benefits. Doctors are getting paid less. Companies can't continue offering the expanded care. Some are dropping coverage for families and only covering the employee.

    While I have first hand experience with the ACA, I am unable to spell out all the many pieces.

    You will be getting a letter(s) before Jan. 1, 2014 letting you know when and if there are any changes.
    I am a small business owner and have had to purchase thru individula market and even 10K deductible cost me 1100 a month. I have signed up and even without subsidy I am getting better ins. for less cost around 800 a month. .


    Sally Kohn in NY wrote an article Foxnews.com titled I am an Obamacare Guniea Pig I signed up and her experience is very similar to mine better ins. for less cost even without subsidy. Fox fired her shortly after publishing the article. But she is on facebook.

    I have not decided which plan to get yet, but it will be either a top level silver plan or a bottom level gold plan. deductible range from 500 to 2500 depending on plan , preventative care fully pd. covers dental also for 2 people total out of pocket max for cheapest plan are 12K and deduct is part of that not separate and for single out of pocket max is 6,350 these are out of pocket max on all plans. BTW I am going thru federal exchange in my state. Somes state that did their own exchanges costs are a bit higher but still have lot's of people signing up , Washington state costs are about 25% higher than federal exchange.

    As for business with more than 50, I could be wrong but it was my understanding they don't get INS. thru ACA. they stay with same they have always had If it does not meet standards biz with over 50 has five years to phase in. Most business ACA will not effect them other than the phase in for meeting standards, unless they offered crap policies or never offered ins. then they will have to offer good isn or pay fine, I suppose if they have never offered ins they can get ins. thru the exchange.

    So far about 200 small biz in each state with less than 50 employees have signed up even though providing ins. is not mandatory for them but the new 50% tax credit for small biz has helped them afford it along with lower costs thru the exchange than in individual market,

    4.7 million last I checked have established accounts. in most states those at lowest rung of income eligiblity for subsidy depends on state poverty line but average is 11k single up to 48K APROXIMATE and 16 K for 2 up to 90K those at lowest end average cost for them after subsidy is from 30 to 50 bucks a month for silver plan with 2,500 deduct. the largest % eligible for subsidy will be medium income and cost for them will be around 100 a month.

    Way too many lies being pushed about the ACA but you can check the website in your state for some basic costs on bronze , silver, and gold along with deducts etc there is a ins. cost calculator on the websites , to sign up if you are in state with federal exchange you will probably have to call the number they give on the website.

    It is people who have to shop individual ins. and do not get ins. thru employer that will be getting cancellation notices and need to reaply for new plans with the same provider or thru exchange. Most will save hundred or thousands thru the exchange if eligible for subsidy or pay about the same for similiar ins. they have had. unless they have had bare bones then they will have to purchase better ins. cause bare bones plans do not meet new standards.


    I don't know anything about business cutting hours back but since business has been doing that since 2000 and/or dropping ins. I suppose some still are. From 2000 to 2008 average ins premium increase was 10% every year and 9.7 % of business nationwide dropped ins. adding millions of employees to the uninsured list. I don't have the stats since 2008 but I am sure the trend continued although the average premium increase slowed to 4% a year , It is estimated increase will be 6.3% next year still lower than the 10% a year increase like in the past.

    The whole point of the ACA is to stop business from dropping insurance and putting their employees into the uninsured brackets which has been an ongoing problem ever since 2000. And to get insurance to the working people that were disenfranchised by employers and put into the uninsured market and have been priced out of the market. Most just could not afford 800 or more a month for ins. and people have been DYING because of that.

    I know 3 people myself who would be alive today if the ACA had been passed earlier of if republicans had done SOMETHING TO HELP when biz started dropping ins., in 2000 and more every year. They put off going to doctor cause of no ins and when they finally had to go it was too late cause they had cancer and it had spread too much. Left wife and young children and lost their homes due to medical costs. Something had to be done.


    Many of us would have preferred universal care but over half of the people in this country are not ready for that and will not let is pass so the dems just did the best they could to get as much done as they could.

    The World Health Organization stated that the ACA is ESSENTIAL to improving quality and cost in America , our healthcare is the most expensive in the world yet we are still lower than 7 other countries in QUALITY. Canada and Australia with their universal care has better quality insurance with higher satisfaction ratings than we have. forgot the other countries would have to look it up again.

    I do know that Disneyland said they were putting 426 people to full-time that were part-time and I know some other business that are adding employees because the new 50% tax credit for ins. is helping them a lot.