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-   -   When Does The "$2,500" Less Per Year Start? (https://gfy.com/showthread.php?t=1146248)

AmeliaG 07-27-2014 03:18 PM
Quote:
Originally Posted by suesheboy (Post 20172335)
Read the opinion piece article again and look at the dates. Compare his personal predictions in 2013 to what has already happened. Looks like some fails doesn't it.

This is not a "Goldman Sacks" prediction but the biased opinion of 1 employee.

Profit and stock value (perceived future value) are not always in line. Most stock traded daily is for micro gains and not long term earnings which is eroding our financial system.
Not one guy:

"Goldman Sachs research operation estimated"

Grapesoda 07-27-2014 03:22 PM
Quote:
Originally Posted by suesheboy (Post 20172253)
totally dude:1orglaugh

that's what I get for reading my policy
you're clueless because you don't understand the only people getting a price drop are people that qualify BECAUSE their income is low... buy a vowel dude.... the rest of us are paying almost double so you get a break.. so just keep reading your policy :2 cents:

Grapesoda 07-27-2014 03:26 PM
Quote:
Originally Posted by Robbie (Post 20172315)
I'm not getting that $2,500 less that the President promised am I?
yes sir, just step right over here and take a seat.. your discount will be along shortly

http://www.voxeurop.eu/files/images/...jpg?1326382096

Atticus 07-27-2014 03:28 PM
Quote:
Originally Posted by Grapesoda (Post 20172346)
you're clueless because you don't understand the only people getting a price drop are people that qualify BECAUSE their income is low... buy a vowel dude.... the rest of us are paying almost double so you get a break.. so just keep reading your policy :2 cents:
This is out and out wrong.

You are referring to the federal subsidy and yes this will greatly lower health care costs for low income families. However the exchanges have also driven down the cost for everyone else as well. Unless you're a male under age 30, not living at home.

I did not come close to qualifying for a subsidy and I now have a better policy at $3600 less per year. If I had gone with a similar policy my savings would be over $8k a year. 37 years old, family of 5.

Did you obtain insurance through the ACA? Or are you just referencing your current insurance going up in price?

suesheboy 07-27-2014 03:33 PM
Quote:
Originally Posted by Grapesoda (Post 20172346)
you're clueless because you don't understand the only people getting a price drop are people that qualify BECAUSE their income is low... buy a vowel dude.... the rest of us are paying almost double so you get a break.. so just keep reading your policy :2 cents:
If people making more than $100k a year are getting breaks we are doomed.

suesheboy 07-27-2014 03:39 PM
Quote:
Originally Posted by Atticus (Post 20172355)
This is out and out wrong.

You are referring to the federal subsidy and yes this will greatly lower health care costs for low income families. However the exchanges have also driven down the cost for everyone else as well. Unless you're a male under age 30, not living at home.

I did not come close to qualifying for a subsidy and I now have a better policy at $3600 less per year. If I had gone with a similar policy my savings would be over $8k a year. 37 years old, family of 5.

Did you obtain insurance through the ACA? Or are you just referencing your current insurance going up in price?
It's the grape flavored Kool Aide that is clouding his judgement :1orglaugh

AmeliaG 07-27-2014 04:28 PM
Quote:
Originally Posted by suesheboy (Post 20172360)
If people making more than $100k a year are getting breaks we are doomed.

You don't make >$100k in adult. You don't even gross >$100k in adult.

So what is your actual job?

Are you trying to force your life choices on others from the safety of a cubicle job?

Grapesoda 07-27-2014 05:51 PM
Quote:
Originally Posted by Atticus (Post 20172355)
This is out and out wrong.

You are referring to the federal subsidy and yes this will greatly lower health care costs for low income families. However the exchanges have also driven down the cost for everyone else as well. Unless you're a male under age 30, not living at home.

I did not come close to qualifying for a subsidy and I now have a better policy at $3600 less per year. If I had gone with a similar policy my savings would be over $8k a year. 37 years old, family of 5.

Did you obtain insurance through the ACA? Or are you just referencing your current insurance going up in price?
my ins agent went though the cally website for Obama care... my ins doubled... weird all the people I know are now paying more...

Grapesoda 07-27-2014 05:52 PM
Quote:
Originally Posted by suesheboy (Post 20172360)
If people making more than $100k a year are getting breaks we are doomed.
people making more than 100k per year all already paying almost 1/2 in taxes... get a job loser :2 cents:

Jel 07-28-2014 12:36 AM
Quote:
Originally Posted by mikeworks (Post 20171285)
In the UK there is a Free national health service you have probably heard about. If America diverted some $ from defence into health maybe something similar could be created.

What is interesting is that some very large American companies are trying to buy out UK companies so they 'legitimately' claim they are no longer under US jurisdiction and thus pay lower UK taxes.
lol, 'free'

AmeliaG 08-01-2014 12:12 PM
Quote:
Originally Posted by AmeliaG (Post 20172400)
You don't make >$100k in adult. You don't even gross >$100k in adult.

So what is your actual job?

Are you trying to force your life choices on others from the safety of a cubicle job?
That thread about getting back into this business shows all your judgmental name-calling and looking down on others was in fact from the safety of a cubicle job, without understanding of how policy impacts people in business.

NEW XTC 08-01-2014 12:19 PM
Robbie take these steps:

1. Stop watching Fox News
2. Go on the exchanges and shop for a better policy.

a millionaire bitching about paying more (and not giving a flying fuck that 10's of millions more Americans are newly insured thanks to the ACA) when he hasn't even switched to the new competitive plans...gotta love GFY.

Va2k 08-01-2014 12:56 PM
Quote:
Originally Posted by Robbie (Post 20171207)
Okay...before "The Affordable Health Care Act" was passed I was paying a little over $600 a month for a family of four.

My rates started at a little over $500 a month for a family of four when I first started my policy with Blue Cross/Blue Shield in 2002

My oldest kid is now out on her own. So we are now a family of 3.

My rates have continued going up and up at a faster rate than I have ever seen since "The Affordable Health Care Act" was passed.

Today I got a letter (third one in a year) telling me my rates were going up again.

Starting next month my premium will be $931 a month for a family of 3.

As I said...as recently as 2009 it was just a little over $600 for a family of 4.

We are all healthy as well.

This is fucking unreal.

WHEN does the "This will save the average American Family over $2,500 a year in costs" start?
So far, since 2009 it's cost me $3,600 a year MORE and I have one less person on the policy. :disgust:disgust:disgust
tell me about it, with me and my two boys blue cross when from $450.00 and some change up to $1100.00 had to drop them got a better company now but damn still cost more NOW then before the idiot adumbass health care went into effect .

iSpyCams 08-01-2014 01:30 PM
I don't have time to type a bunch of logic right now but Robbie is right, it fucking sucks for me too. I am insured with a joke of a policy that costs me more monthly than I have spent in my entire life on healthcare and I wouldn't have insurance at all if it wasn't to comply with the law. I strongly believe that if I had no insurance I could get a bigger discount than what my insurance covers just by begging, pleading and paying cash up front. But whatever. At least if I end up spending the night in the hospital for whatever reason I'll only have to pay 40% of whatever made up fees they hand me afterwards. (after a huge deductible, of course)

suesheboy 08-01-2014 01:40 PM
Quote:
Originally Posted by AmeliaG (Post 20178707)
That thread about getting back into this business shows all your judgmental name-calling and looking down on others was in fact from the safety of a cubicle job, without understanding of how policy impacts people in business.
Come to my cubical so I can spank you.

suesheboy 08-01-2014 01:50 PM
For all of you people bitching about the high cost and what it doesn't cover, these are the first 2 platinum plans for me including cost, deductible and max out of pocket for me - a middle aged male in palm beach county Florida.

http://www.tantricdelights.com/i/healthcare.jpg

Prices and plan popped up in under 1 minutes time from entering the site.

Bladewire 08-01-2014 02:05 PM
Quote:
Originally Posted by Robbie (Post 20171207)
Today I got a letter (third one in a year) telling me my rates were going up again.
That should be illegal.

If you were in the exchange they couldn't do that to you :2 cents:

suesheboy 08-01-2014 06:14 PM
funny how I post proof of how good the coverage is for such a low price and now...I just hear crickets

AmeliaG 08-01-2014 06:22 PM
Quote:
Originally Posted by suesheboy (Post 20178815)
For all of you people bitching about the high cost and what it doesn't cover, these are the first 2 platinum plans for me including cost, deductible and max out of pocket for me - a middle aged male in palm beach county Florida.

http://www.tantricdelights.com/i/healthcare.jpg

Prices and plan popped up in under 1 minutes time from entering the site.

So does your healthcare cost $8,500 per year on average? For one person, with no dependents.

Robbie 08-01-2014 09:20 PM
Quote:
Originally Posted by suesheboy (Post 20178998)
funny how I post proof of how good the coverage is for such a low price and now...I just hear crickets
I don't consider that to be a "low price" for something that you may or may not ever use.

Also, throw in a wife and kids to that plan and you'll be up around a thousand dollars a month.

That is not "affordable health care", it's high priced insurance premiums.

suesheboy 08-02-2014 03:51 AM
Quote:
Originally Posted by AmeliaG (Post 20179001)
So does your healthcare cost $8,500 per year on average? For one person, with no dependents.
No. It cost under $5,000.

If I max out the plan in any given year with major catastrophes I could never send more than $8k.

Robbie, this is the best plan period. Kids are much cheaper.

NEW XTC 08-02-2014 06:37 AM
Quote:
Originally Posted by AmeliaG (Post 20172299)

I am anti-war, pro open immigration, anti-gun control, pro-choice, pro marriage equality, anti corporate welfare, anti most personal welfare but where needed I believe people should get much more help with a focus on social mobility and getting off welfare.
So in other words you're schizophrenic? Or just Bi-Polar...

I think you need to get on that DREADED *gasp! "Personal" welfare program known as the ACA and git yourself some meds girl

Barry-xlovecam 08-02-2014 08:22 AM
IRS Schedule A requires a 10% to 7.5% threshold of your AGI.

The Feds and the Obamacare law (ACA) exempt you if the cost of insurance would be more than 8% of your AGI.


Using the ACA law's own 8% rule:

The cumulative USA household income might be $73,000 in 2014 chart 2012 http://1.bp.blogspot.com/-nkE96F6Bdq...holds-2012.png
So, 8% of $73,000 = $5,840 or $486.67 /mo for a household.

Average USA household is 2.55 today that's $190.85 /mo per person average or $572.55 /mo, make some allowance of age male: 36.3 years female: 39 years (2014 est.) [source CIA Work Fact Book LOL] and for household income.

So, say we all paid a 8% surcharge on our annual income (AGI) for a national healthcare with the same minimums as the Obamacare mandated private insurance premiums -- where would you stand? That's for all persons listed on that taxpayer's tax return.

Bottom line the government's own rules tell many, on the average they are getting fucked over, if your situation is closer to the median you are really getting a subsidy. I suppose if your household income is $146,000 or more you are within that 8%.

That 8% is telling us that on average we are paying more than twice what something is worth (or should cost).

The solution is not going back to what we had before the ACA passed it's a solution of the replacement of the private healthcare system and it's abuses. Healthcare in America would make Lucky Luciano proud it is run like a Mafia racket.

AmeliaG 08-02-2014 08:34 AM
Quote:
Originally Posted by suesheboy (Post 20179279)
No. It cost under $5,000.

If I max out the plan in any given year with major catastrophes I could never send more than $8k.

Robbie, this is the best plan period. Kids are much cheaper.
My point was that, if I am reading the terms right, your expensive healthcare plan only seems to make mathematical sense, if you spend $8,500+ on healthcare. Otherwise, insurance costs you a lot more.

AmeliaG 08-02-2014 08:36 AM
Quote:
Originally Posted by Barry-xlovecam (Post 20179462)
IRS Schedule A requires a 10% to 7.5% threshold of your AGI.

The Feds and the Obamacare law (ACA) exempt you if the cost of insurance would be more than 8% of your AGI.


Using the ACA law's own 8% rule:

The cumulative USA household income might be $73,000 in 2014 chart 2012 http://1.bp.blogspot.com/-nkE96F6Bdq...holds-2012.png
So, 8% of $73,000 = $5,840 or $486.67 /mo for a household.

Average USA household is 2.55 today that's $190.85 /mo per person average or $572.55 /mo, make some allowance of age male: 36.3 years female: 39 years (2014 est.) [source CIA Work Fact Book LOL] and for household income.

So, say we all paid a 8% surcharge on our annual income (AGI) for a national healthcare with the same minimums as the Obamacare mandated private insurance premiums -- where would you stand? That's for all persons listed on that taxpayer's tax return.

Bottom line the government's own rules tell many, on the average they are getting fucked over, if your situation is closer to the median you are really getting a subsidy. I suppose if your household income is $146,000 or more you are within that 8%.

That 8% is telling us that on average we are paying more than twice what something is worth (or should cost).

The solution is not going back to what we had before the ACA passed it's a solution of the replacement of the private healthcare system and it's abuses. Healthcare in America would make Lucky Luciano proud it is run like a Mafia racket.
If the 8% were for universal healthcare (not insurance where you still have to hope you are covered), I'd definitely vote for that.

AmeliaG 08-02-2014 08:41 AM
Quote:
Originally Posted by NEW XTC (Post 20179386)
So in other words you're schizophrenic? Or just Bi-Polar...

I think you need to get on that DREADED *gasp! "Personal" welfare program known as the ACA and git yourself some meds girl

I don't think those words mean what you think they mean.

The fact that you can even joke about anyone who disagrees with you being forced to take psych drugs ... well, many a fair truth is said in jest.

You obviously like to congratulate yourself on what a nice guy you are, but you actually just enjoy looking down on women and anyone less fortunate than you are and any other "victims" you can find to prop yourself up.

suesheboy 08-02-2014 08:44 AM
Quote:
Originally Posted by AmeliaG (Post 20179470)
My point was that, if I am reading the terms right, your expensive healthcare plan only seems to make mathematical sense, if you spend $8,500+ on healthcare. Otherwise, insurance costs you a lot more.
Don't think short term. Look at what kind of health care expenses I can expect in the future.

One of my cars I bought new 8-1/2 years ago. I almost paid for a second car in what I spent on insurance.

You may have a higher risk tolerance than I do, but I do not want to bail your ass out if something goes bad. Debt write offs and bankruptcies of others cost ME.

The fact that you do not have insurance and I would bet all I have you do not have enough in assets to cover organ transplants or major cancer treatment, makes you a leech on society. If more were in the pool EVERYONE'S cost can go down.

Robbie 08-02-2014 10:08 AM
Quote:
Originally Posted by suesheboy (Post 20179483)
I do not want to bail your ass out if something goes bad. Debt write offs and bankruptcies of others cost ME.

The fact that you do not have insurance and I would bet all I have you do not have enough in assets to cover organ transplants or major cancer treatment, makes you a leech on society. If more were in the pool EVERYONE'S cost can go down.
Your first part I quoted: No it doesn't. How have you paid one penny for bankruptcies? Plus anything the govt. pays for is being paid for with deficit spending. I agree I don't want to pay for anybody's shit in any way...but the truth is the Federal Reserve is simpy printing money these days and making debt that will never be paid.

The second part...Amelia G. is most certainly not a "leech on society". You're betting that somehow she is going to be catastrophically ill as a healthy young woman. The insurance companies are betting (and profiting) that she won't get sick.
As for the "more in the pool so costs go down"...THAT is what I was saying in the thread title. That is exactly what Pres. Obama promised in speech after speech. But it's not going down at all. It's going up.

I guess we should have all expected that after what happened with car insurance a few decades ago. They forced us all to buy it, the "pool" was now huge...and the prices are high as hell instead of being low.

Barry-xlovecam 08-02-2014 10:10 AM
Quote:
Originally Posted by AmeliaG (Post 20179475)
If the 8% were for universal healthcare (not insurance where you still have to hope you are covered), I'd definitely vote for that.
If you consider that the Medicare reimbursement rate is something like 26% of the chargemaster rates and one-half or less of the private insurance reimbursement rate of the chargemaster rates -- it's doable.

Maybe, I would need to pay extra for a private hospital room or some experimental test with cash or with a supplemental insurance policy but that would be my voluntary decision ... That 8% should cover basic preventive and critical/trauma care.

Medications are another whole issue I am not sure if our prices are subsidising the government operated national healthcare plans of other countries, or their third world pharmacies, or we are just getting ripped off on prescription medications. A centralized buyer like a national healthcare would be able to negotiate a much lower price as it would be on oligopoly like the power or gas company is, with the same potential for abuse possible also.

Barry-xlovecam 08-02-2014 10:34 AM
Quote:
Originally Posted by AmeliaG (Post 20179470)
My point was that, if I am reading the terms right, your expensive healthcare plan only seems to make mathematical sense, if you spend $8,500+ on healthcare. Otherwise, insurance costs you a lot more.
Insurance is a risk transfer, your premium dollars transfer the risk to the insurer.

If you are injured badly or develop a chronic condition the medical expense can run up over $100K easily -- can you afford to pay that out of pocket? You used to be able to buy catastrophic insurance policies.

You can buy 'catastrophic coverage' https://www.healthcare.gov/can-i-buy...strophic-plan/ if you or under 30 or older and meet the requirements ... If you have over $100K liquid cash assets buying the 'overpriced' insurance would just be more of a nuisance rather than a hardship. Bonding off the risk with your $100K is probably not something you would want to do anyway.

suesheboy 08-02-2014 10:42 AM
Quote:
Originally Posted by Robbie (Post 20179551)
How have you paid one penny for bankruptcies? Plus anything the govt. pays for is being paid for with deficit spending. I agree I don't want to pay for anybody's shit in any way...but the truth is the Federal Reserve is simpy printing money these days and making debt that will never be paid.
A) bankruptcies are a scourge on society. The business not being paid in full gets hurt, which in turn drives profits, dividends, valuations, home and real estate prices and share prices.

B) Bush fucked up our surplus. Our debt will be paid off again in the future. 2 fucking wars not paid for, greedy consumers buying homes and other goods they can not afford, businesses pushing unaffordable goods, bankruptcies, crooked investments, health care costs, and taxes to low on the upper end as well as wasted and political corruption killed all that.

C) The printing of money has not effected the valuation of our currency as inflation is still too low as far as most economists want. Look further into to this.

You don't pay your fair share if you can afford it (which includes discharge of debt through bankruptcy or restructuring) and you are a leech on society.

suesheboy 08-02-2014 10:50 AM
Quote:
Originally Posted by Robbie (Post 20179551)
I guess we should have all expected that after what happened with car insurance a few decades ago. They forced us all to buy it, the "pool" was now huge...and the prices are high as hell instead of being low.
I can not buy car insurance through Costco anymore as Florida has so much insurance fraud they pulled out.

Fraud is a huge portion of insurance costs.

..and home insurance too. After hurricanes you should see the shenanigans that go on too.


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