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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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chumpsky2010
10-01-2013 at 04:04 AM.
10-01-2013 at 04:04 AM.
Here is an intesting survey by Insurancequotes.com A survey done via Princeton Survey Research Associates on behalf of Insurancequotes. Big survey of 3,000 uninsured. Found that 37% of people have a pre-existing condition:

http://www.insurancequotes.com/he...-insurance

since we have approximately 50 million uninsured, that survey figure comes very close to DHHS estimates of up to 25 million. (I guess the survey total comes out to 18.5 million)
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hyteckit
10-01-2013 at 04:05 AM.
10-01-2013 at 04:05 AM.
Quote from shadowshopper :
I live in CA and I'm not being racist, just stating fact that many hospitals have had to close due to all the mexican "free riders".
They are closed because there are too many people without health insurance. The state and hospitals help cover the uninsured.

What do you think ObamaCare is trying to solve with the health insurance mandate?

So people like you who don't want to buy health insurance can't be "free riders" when they have an accident or medical emergence.
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chumpsky2010
10-01-2013 at 04:06 AM.
10-01-2013 at 04:06 AM.
Quote from CheapestGamer :
Pay 6-12% of my annual income, which right now is $0 since I got hurt in May. Before that I was making minimum wage, so I'm so cash heavy I just am begging the health insurance bastards to steal some of it from me.

I just think it's funny as hell that this is being forced on everybody just about and if you don't want to buy into the health conglomerates gouged rates then you pay your $100 or so 'fine' for the first year and hope they repeal this turd of a law by the second year. Hopefully they will repeal it though as I don't see myself keeping the insurance long term.

Any way I look at it I'm going to lose money that I'll NEVER get back. That, to me, is not a slick deal.
You will NOT have to pay for insurance in the Health Exchange. IF your income total is below 133% of the poverty line, then you should qualify for medicaid. If you are an individual living alone, that's $15,200 a year or less. If you have a wife, it goes up higher, if you have kids, even higher.
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bouroboros
10-01-2013 at 04:07 AM.
10-01-2013 at 04:07 AM.
Quote from chumpsky2010 :
The reason I hesitate to even answer this question is because reading the DHHS and other sources, they pin the number of uninsured with pre-existing conditions in the millions. And I mean as high as 25 million.

BUT, every state treats the definition differently. Interesting read on how it's defined.

Anyways, I would LOVE to think it was that low and you could have charities solve the problem. Totally. I just don't think we are in the real world anymore, per some of the stats I'm reading.

25 million? Gosh, I can't imagine why DHHS would want to promote numbers like that right now.

I guess I'll stick with real numbers like 107,000 until actual data changes it.
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nautilii
10-01-2013 at 04:08 AM.
10-01-2013 at 04:08 AM.
Quote from CheapestGamer :
Pay 6-12% of my annual income, which right now is $0 since I got hurt in May. Before that I was making minimum wage, so I'm so cash heavy I just am begging the health insurance bastards to steal some of it from me.

I just think it's funny as hell that this is being forced on everybody just about and if you don't want to buy into the health conglomerates gouged rates then you pay your $100 or so 'fine' for the first year and hope they repeal this turd of a law by the second year. Hopefully they will repeal it though as I don't see myself keeping the insurance long term.

Any way I look at it I'm going to lose money that I'll NEVER get back. That, to me, is not a slick deal.
Read My Lips:

You qualify for medicaid. You currently pay nothing. You will continue to pay nothing. That 6-12% would only come into play if you DIDN'T qualify for medicaid. You will not be fined unless your income shoots up dramatically and you choose not to get (probably partially or fully subsidized!) health insurance.

Please sign up for (free!) medicaid so that when something bad happens you don't run up insane bills for yourself that you can't pay, because others like us will ultimately have to pay them out of our premium increases and taxes.

Please also take full advantage of medicaid and the wonders of preventative medicine, 38 isn't so young and any disease is an expensive proposition.

Thank you.
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hyteckit
10-01-2013 at 04:08 AM.
10-01-2013 at 04:08 AM.
Quote from chumpsky2010 :
Here is an intesting survey by Insurancequotes.com A survey done via Princeton Survey Research Associates on behalf of Insurancequotes. Big survey of 3,000 uninsured. Found that 37% of people have a pre-existing condition:

http://www.insurancequotes.com/he...-insurance

since we have approximately 50 million uninsured, that survey figure comes very close to DHHS estimates of up to 25 million. (I guess the survey total comes out to 18.5 million)

Blue Cross wanted to put me in the high risk pool because I have acne as a teenager and they considered it a "pre-existing condition" that is considered high risk.

Basically about 300% to 500% more than people with no "pre-existing conditions".

I guess for most folks, the would just go uninsured because they can't afford it.
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usfkangaroo111
10-01-2013 at 04:11 AM.
10-01-2013 at 04:11 AM.
I came from Australia when I was 16 and we've had universal healthcare for a while. Let me just say, anyone claiming the US healthcare system is the best in the world has got to be kidding themselves. It's the worst thing I ever saw in the US since I've lived here for 20 yrs. I'm talking from first hand experience (not from an article or what I some promo on TV) and once Americans implement Obamacare and work out the kinks, only then will they realize how we lived in the dark ages all this time. You don't see any country moving back to a private run healthcare system after implementing some form of universal healthcare. The US is the last industrial country in the world to implement universal healthcare. Yes, we are that behind especially for the worlds greatest superpower... i'm glad this administration had the guts to do something about it. So much redundancy in the system and hospitals/insurance companies and overpricing everything. I'm glad this administration finally put it under a microscope despite not being perfect...any form of healthcare management is better than none..which is what we have right now. You will see a big positive difference in moral as a nation once we can truly say we have a healthy economy and healthy citizens... give it a try and be patient. This is real change for the better
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Last edited by usfkangaroo111 October 1, 2013 at 04:20 AM.

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chumpsky2010
10-01-2013 at 04:11 AM.
10-01-2013 at 04:11 AM.
Quote from nautilii :
Read My Lips:

You qualify for medicaid. You currently pay nothing. You will continue to pay nothing. That 6-12% would only come into play if you DIDN'T qualify for medicaid. You will not be fined unless your income shoots up dramatically and you choose not to get (probably partially or fully subsidized!) health insurance.

Please sign up for (free!) medicaid so that when something bad happens you don't run up insane bills for yourself that you can't pay, because others like us will ultimately have to pay them out of our premium increases and taxes.

Please also take full advantage of medicaid and the wonders of preventative medicine, 38 isn't so young and any disease is an expensive proposition.

Thank you.
Thank you for this. I gave him the same answer above. It's amazing how some people don't understand how this law works!
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hyteckit
10-01-2013 at 04:12 AM.
10-01-2013 at 04:12 AM.
Quote from bouroboros :
25 million? Gosh, I can't imagine why DHHS would want to promote numbers like that right now.

I guess I'll stick with real numbers like 107,000 until actual data changes it.
You mean this?

http://www.hhs.gov/news/press/201...0118a.html

New report: 129 million Americans with a pre-existing condition could be denied coverage without new health reform law.
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CheapestGamer
10-01-2013 at 04:12 AM.
10-01-2013 at 04:12 AM.
Quote from chumpsky2010 :
You will NOT have to pay for insurance in the Health Exchange. IF your income total is below 133% of the poverty line, then you should qualify for medicaid. If you are an individual living alone, that's $15,200 a year or less. If you have a wife, it goes up higher, if you have kids, even higher.
I'm living with one of my parents at the moment and have been for a while and they count their income towards the determination. I tried for it once before and was DENIED due to the combined income being too much.
Quote from nautilii :
Read My Lips:

You qualify for medicaid. You currently pay nothing. You will continue to pay nothing. That 6-12% would only come into play if you DIDN'T qualify for medicaid. You will not be fined unless your income shoots up dramatically and you choose not to get (probably partially or fully subsidized!) health insurance.

Please sign up for (free!) medicaid so that when something bad happens you don't run up insane bills for yourself that you can't pay, because others like us will ultimately have to pay them out of our premium increases and taxes.

Please also take full advantage of medicaid and the wonders of preventative medicine, 38 isn't so young and any disease is an expensive proposition.

Thank you.
You mean increased premiums like I was paying when I paid for health insurance in the 90's? That's the main reason I don't even want to sign up for anything more than Medicaid, since I know if I end up having to pay it's going to be out the wazoo and a ridiculous amount that comes with high co-pays, which equals even MORE money out of pocket I can ill afford.
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Last edited by CheapestGamer October 1, 2013 at 04:16 AM.
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hyteckit
10-01-2013 at 04:15 AM.
10-01-2013 at 04:15 AM.
Quote from usfkangaroo111 :
I came from Australia when I was 16 and we've had universal healthcare for a while. Let me just say, anyone claiming the US healthcare system is the best has got to be kidding themselves. It's the worst thing I ever saw in the US since I've lived here for 20 yrs. I talking from first hand experience and once Americans implement Obamacare and work out the kinks, only then will they realize how we lived in the dark ages all this time. You don't see any country moving back to a private run healthcare system after implementing some form of universal healthcare. The US is the last industrial country in the world to implement universal healthcare. Yes, we are that behind especially for the worlds greatest superpower... i'm glad this administration had the guts to do something about it. You will see a big positive difference in moral as a nation once we can truly say we have a healthy economy and healthy citizens... give it a try and be patient. This is real change for the better
I think we need some Universal healthcare system in the US.

I do think ObamaCare is kinda messy right now and will probably need many years to work out the kinks.

But ultimately, the better and more efficient solution would be a universal healthcare system.
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chumpsky2010
10-01-2013 at 04:17 AM.
10-01-2013 at 04:17 AM.
Quote from CheapestGamer :
I'm living with one of my parents at the moment and have been for a while and they count their income towards the determination. I tried for it once before and was DENIED due to the combined income being too much.
Ah, I see:

"If a state refused to expand coverage then it would lose all of it's Medicaid funding. This was meant as a protection to ensure that states supported their poorest equally. However, the NFIB 'Repeal ObamaCare Effort' worked to some extent; now states are no longer required to insure their poorest under ObamaCare, yet they can still receive the full federal funding for their Medicaid program."

It looks like you be in one of the states that opted out of the Obamacare Medicaid expansion and kept the old rules not letting you qualify.

That sucks. That's not fair for you.
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hyteckit
10-01-2013 at 04:17 AM.
10-01-2013 at 04:17 AM.
Quote from CheapestGamer :
I'm living with one of my parents at the moment and have been for a while and they count their income towards the determination. I tried for it once before and was DENIED due to the combined income being too much.
Do you claim your parent as a dependent or does your parent claim you as a dependent? Does your parent work or have health insurance?
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nautilii
10-01-2013 at 04:17 AM.
10-01-2013 at 04:17 AM.
Quote from CheapestGamer :
I'm living with one of my parents at the moment and have been for a while and they count their income towards the determination. I tried for it once before and was DENIED due to the combined income being too much.
I don't think that's quite how it works in PA now (usually medicaid qualification simply depends upon whether you have children and are near the poverty level), but it definitely isn't how it will work after January 1, 2014.

It doesn't matter who you live with, as long as your income is below $15,000 you will qualify for medicaid.
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chumpsky2010
10-01-2013 at 04:18 AM.
10-01-2013 at 04:18 AM.
[QUOTE=CheapestGamer;62222990]I'm living with one of my parents at the moment and have been for a while and they count their income towards the determination. I tried for it once before and was DENIED due to the combined income being too much.

How long ago did you try? Remember, rules for Medicaid will change in many states. You should try again.

BUT you might be in one of the states that "opted out" of the Obamacare Medicaid expansion.

In that case, you are S.O.L.

Quote from nautilii :
I don't think that's quite how it works in PA now (usually medicaid qualification simply depends upon whether you have children and are near the poverty level), but it definitely isn't how it will work after January 1, 2014.

It doesn't matter who you live with, as long as your income is below $15,000 you will qualify for medicaid.
Read what I posted above. He might be in a state that opted out Mad
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Last edited by chumpsky2010 October 1, 2013 at 04:19 AM.
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