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https://www.healthcare.gov/ Now OPEN - Cheap insurance

3,363 334 September 30, 2013 at 09:13 PM in Finance (4)
https://www.healthcare.gov/ Now OPEN - Cheap insurance
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Binar
10-01-2013 at 02:53 AM.
10-01-2013 at 02:53 AM.
Quote from mp3coupe :
I don't own a car, am I forced to buy coverage?
Even if you own a car you are not forced to buy car insurance. In the state I live in if you can prove you have $25k in saving ( the max amount a liability insurance covers ) you don't need insurance.
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CheapestGamer
10-01-2013 at 02:54 AM.
10-01-2013 at 02:54 AM.
Quote from shadowshopper :
"someone"

let's not beat around the bush. That someone is the insurance lobby / industry.

and the "$90 fine" is only good for the first year. It quadruples or much more the second year.
Exactly. I just get a kick out of the people saying this is a good deal. Good deal for who? The health insurance industry because now everybody(just about) has to have coverage.
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hyteckit
10-01-2013 at 02:55 AM.
10-01-2013 at 02:55 AM.
Quote from shadowshopper :
UGH! I hate this arguement. Statistically you have about the same risk as any other driver on the roads of being involved in an accident, hence the same insurance rate for all.

statistically your risk of a health condition is NOT the same as everyone else. It varies (widely) with age.
Haha...

WTF are you talking about? How old are you buddy? Not old enough to drive or own a car I'm guessing.

"Same insurance rate for all" because "you have about the same risk as any other driver on the roads of being involved in an accident"?

Car insurance rates are different from one person to the next based on risk factors and your driving history.
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CheapestGamer
10-01-2013 at 02:56 AM.
10-01-2013 at 02:56 AM.
Quote from Binar :
What happens if you refuse to pay the fine or buy insurance? Are they going to send you to jail and have the tax payers pay for you?
Not sure. Either I'll end up one of the millions sucking on the gov't teat of Medicaid because they finally determine I'm too freakin' broke to afford to pay for health insurance or they'll try 'fining' me and take me to jail when I can't pay it.
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Binar
10-01-2013 at 02:57 AM.
10-01-2013 at 02:57 AM.
Quote from chumpsky2010 :
I can't pronounce Obamacare a good or bad idea until I see the prices. Based on some calculators like the one over at the Kaiser Health Calculator, the deals look pretty slick when you factor in the subsidies.

But I'll wait to pass judgment.

Still thumbs up so that this gets attention and sparks more attention and discussion.

I just don't believe the right-wing sky is falling prediction. They are the ones who claimed we were headed towards higher inflation because of the budget deficits (something resembling Zimbabwe some even laughably predicted) and it didn't come to pass.

They also said this "socialist" would be anti business, and yet we sit with a stock market, SP 500 and Nasdaq at record highs. No conservative predicted that in 2008.

So I'll just wait before drinking that tea-flavored Kool-aid.
The market does well because the government manipulates the stock market by dumping billions into it each month. Once they'll stop the market will correct itself.
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chumpsky2010
10-01-2013 at 02:57 AM.
10-01-2013 at 02:57 AM.
Quote from CheapestGamer :
Exactly. I just get a kick out of the people saying this is a good deal. Good deal for who? The health insurance industry because now everybody(just about) has to have coverage.
Look, it's a real good deal for some people in this sense. They can't discriminate against you if you have a pre-existing condition, for example. That's over. People will be able to get something much more affordable if they have a costly illness compared to before.

Young people will pay more, since catastrophic plans will not be covered by Obamacare. If you get Catastropic plans now, you can keep them, but you wont' get any subsidies.

But for older people, people with pre-existing conditions and even most women, they will be better off with this.
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coupster
10-01-2013 at 03:01 AM.
10-01-2013 at 03:01 AM.
Quote from Binar :
The market does well because the government manipulates the stock market by dumping billions into it each month. Once they'll stop the market will correct itself.
85 billion a month to be exact. No taper anytime soon
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bertfelin
10-01-2013 at 03:02 AM.
10-01-2013 at 03:02 AM.
Quote from CheapestGamer :
Either that or they'll jack them up. That's what happened to me when I was paying for Adult Basic here in the late 90's or so. It started out at about $100 or a little under and before I knew it it was back up to $200 or so for the most basic coverage.

Their excuse for the rate hijacking? Oh...people are overusing their plans and we also have to pay for the newer technology.

If the way shit worked was that your rate is paying for coverage for you and only you and YOUR usage is what determines it, I might be a little more inclined to want to pay in. But because granny with two bad hips, cataracts and a club foot needs major farkin' surgery MY rates go up, UP, UP....fark NO.
Exactly. ACA = fail. The drug companies won't lower the price coz it. The doctors ain't gonna make less coz of it. Who's gonna pay?
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shadowshopper
10-01-2013 at 03:03 AM.
10-01-2013 at 03:03 AM.
Quote from hyteckit :
Car insurance rates are different from one person to the next based on risk factors and your driving history.
auto accident risk / coverage varies like 20% difference from a 21 year old compared to a 45 year old (me) then onto a 65 year old.

The difference in HEALTH risk between a 21 year old and a 45 year old is MUCH larger proportionally.

then extrapolated from a 45 year old to a 65 year old and you see the humongous difference.

If you can't see the difference you are ignorant to the effects of age on health or just burying your head in the sand.
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CheapestGamer
10-01-2013 at 03:04 AM.
10-01-2013 at 03:04 AM.
Quote from chumpsky2010 :
Look, it's a real good deal for some people in this sense. They can't discriminate against you if you have a pre-existing condition, for example. That's over. People will be able to get something much more affordable if they have a costly illness compared to before.

Young people will pay more, since catastrophic plans will not be covered by Obamacare. If you get Catastropic plans now, you can keep them, but you wont' get any subsidies.

But for older people, people with pre-existing conditions and even most women, they will be better off with this.
Well I have the pre-existing condition of wanting to keep my motherfarkin' money in my wallet and not pay it out on a monthly basis to some shysters who will gouge my rates out the wazoo and keep jacking them up whenever it suits them.

That's why I stopped buying private insurance a long time ago and why I resent this law ever being passed. God knows I didn't vote for Obama or any of the shleps that helped pass this turd. But I know I WILL vote every last one of them out of office next election.
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oyouno
10-01-2013 at 03:04 AM.
10-01-2013 at 03:04 AM.
Quote from bertfelin :
Exactly. ACA = fail. The drug companies won't lower the price coz it. The doctors ain't gonna make less coz of it. Who's gonna pay?
Actually ACA = win

Until later on when ACA2.0 comes around to finally cut out the insurance company middle man which would make it a big win
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chumpsky2010
10-01-2013 at 03:07 AM.
10-01-2013 at 03:07 AM.
Quote from CheapestGamer :
Well I have the pre-existing condition of wanting to keep my motherfarkin' money in my wallet and not pay it out on a monthly basis to some shysters who will gouge my rates out the wazoo and keep jacking them up whenever it suits them.

That's why I stopped buying private insurance a long time ago and why I resent this law ever being passed. God knows I didn't vote for Obama or any of the shleps that helped pass this turd. But I know I WILL vote every last one of them out of office next election.
Yeah but then what happens if you need an emergency operation or get cancer or whatever. You will use medical services (can't be turned down) and if you can't pay, my premium goes up.

That's a big problem facing the health care system, the free rider problem. Because we just don't let people die, we take them in even if they don't have insurance. and then they don't want to pay, declare bankruptcy and we shoulder the costs.
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shadowshopper
10-01-2013 at 03:07 AM.
10-01-2013 at 03:07 AM.
Quote from chumpsky2010 :
But for older people, people with pre-existing conditions and even most women, they will be better off with this.
That sounds a whole hell of a lot like like social security.

Um wait, we ALREADY have social security. Roll Eyes (Sarcastic)
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bertfelin
10-01-2013 at 03:10 AM.
10-01-2013 at 03:10 AM.
Quote from oyouno :
Actually ACA = win

Until later on when ACA2.0 comes around to finally cut out the insurance company middle man which would make it a big win
That's nonsense. Health insurance are the least profit business in the insurance industry.
The hospital and doctors and drug companies are the big blood sucker.

In Los Angeles, comparing by paying cash to visit a doctor or emergency to using health insurance, it can be vary by as much as 50%
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chumpsky2010
10-01-2013 at 03:11 AM.
10-01-2013 at 03:11 AM.
For those saying the ACA is fail because costs will destroy the system, check out the May 2013 report by PriceWaterHouseCoopers. They were very critical of Obamacare in 2009 incidentally. They are projecting that 2014 will have the lowest health care costs since the early 1960s.

Check out there video talking about how Obamacare drives down costs: http://www.youtube.com/watch?v=bNE8TneXHSs
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