Current Events > Great.... Obama care (BidenCare) is back

(+) Yeah! (+)

The ACA act did nothing. The Affordable part of the acronym is bullshit. You either pay hundreds of dollars per month for health insurance with ridiculous deductibles that would make you pay out of pocket for most things anyway rendering it mostly useless if something actually did happen, or you just fork over free money to the government if you didn't comply.
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WaterLink posted...

The ACA act did nothing. The Affordable part of the acronym is bullshit. You either pay hundreds of dollars per month for health insurance with ridiculous deductibles that would make you pay out of pocket for most things anyway rendering it mostly useless if something actually did happen, or you just fork over free money to the government if you didn't comply.

The ACA did a few good things, actually.

• Allowed people to stay on their parent's insurance until the age of 26.
• Removed lifetime maximum coverage limits.
• Prevented insurance companies from denying people coverage due to pre existing conditions

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WaterLink posted...

The ACA act did nothing. The Affordable part of the acronym is bullshit. You either pay hundreds of dollars per month for health insurance with ridiculous deductibles that would make you pay out of pocket for most things anyway rendering it mostly useless if something actually did happen, or you just fork over free money to the government if you didn't comply.

Holy fuck it did nothing? Have you learned literally nothing in the last 5 years dude?

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ACA sucks ass, we need UHC.
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harley2280 posted...

That makes absolutely no sense. A provider is much more likely to get paid for services performed when someone has an ACA plan.

If your doctor is making you wait it doesn't have to do with your insurance. There's either an emergency or he/she is a bad doctor.

That's southcoast09, a known right-wing troll.
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Also, I'm pretty sure covid would be considered a pre-existing condition that insurance companies would use to deny coverage. Especially for people with long term issues from it.

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CableZL posted...

WaterLink posted...

The ACA act did nothing. The Affordable part of the acronym is bullshit. You either pay hundreds of dollars per month for health insurance with ridiculous deductibles that would make you pay out of pocket for most things anyway rendering it mostly useless if something actually did happen, or you just fork over free money to the government if you didn't comply.

The ACA did a few good things, actually.
<ul> <li>Allowed people to stay on their parent's insurance until the age of 26. </li> <li>Removed lifetime maximum coverage limits. </li> <li>Prevented insurance companies from denying people coverage due to pre existing conditions</li></ul>

While also forcing a lot of people to pay insurance premiums they couldn't afford and if they couldn't afford it they took your money anyway one way or the other and you had no choice in the matter.
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WaterLink posted...

While also forcing a lot of people to pay insurance premiums they couldn't afford and if they couldn't afford it they took your money anyway one way or the other and you had no choice in the matter.

Those protections are still in place without the individual mandate in effect.

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CableZL posted...

WaterLink posted...

While also forcing a lot of people to pay insurance premiums they couldn't afford and if they couldn't afford it they took your money anyway one way or the other and you had no choice in the matter.

Those protections are still in place without the individual mandate in effect.

So then the topic title is misleading because the mandate was what made the ACA so terrible
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pure_temper posted...

holy fuck your account is from 2005 and you still haven't leveled up your thinking on this subject?

my friend have you ever worshiped a God or respected science?

this

pick a God and worship it now

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WaterLink posted...

So then the topic title is misleading because the mandate was what made the ACA so terrible

Your post about the ACA "doing nothing" is also misleading at best.

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I don't really know how it works for everyone else, but I have really freaking good health insurance for very cheap thanks to the ACA. I've only made $15k or so the last couple years since I've been in school, and I qualify for subsidies that take almost $600 off my monthly premium; that means I have access to high quality plans and pay very little per month. My max out of pocket yearly is $700, and last year I paid like $20-something a month for my premium. This year I'm paying like $2.50 per month.

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Beefbud posted...

I don't really know how it works for everyone else, but I have really freaking good health insurance for very cheap thanks to the ACA. I've only made $15k or so the last couple years since I've been in school, and I qualify for subsidies that take almost $600 off my monthly premium; that means I have access to high quality plans and pay very little per month. My max out of pocket yearly is $700, and last year I paid like $20-something a month for my premium. This year I'm paying like $2.50 per month.

Nice

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CableZL posted...

WaterLink posted...

So then the topic title is misleading because the mandate was what made the ACA so terrible

Your post about the ACA "doing nothing" is also misleading at best.

I mean from the people I know it left them with an IRS bill they couldn't afford that otherwise would have broken even at the worst. And the choice was that or pay $200 a month for "health insurance" and I put that in quotes because the deductibles would have them paying out of pocket anyway unless it was some kind of major catastrophe.

So that's something. Pay hundreds of dollars a month to still pay out of pocket for most medical expenses or just pay the government a nice lump sum when you file your taxes. Any good the ACA did was offset by how many people it absolutely fucked over
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WaterLink posted...

I mean from the people I know it left them with an IRS bill they couldn't afford that otherwise would have broken even at the worst. And the choice was that or pay $200 a month for "health insurance" and I put that in quotes because the deductibles would have them paying out of pocket anyway unless it was some kind of major catastrophe.

So that's something. Pay hundreds of dollars a month to still pay out of pocket for most medical expenses or just pay the government a nice lump sum when you file your taxes. Any good the ACA did was offset by how many people it absolutely fucked over

We've already gone over the negative effects of the individual mandate that isn't in place any more.

However, if you can't afford your tax bill, you have the option of going on a payment plan.

If you have cancer or some other serious illness, the ACA removed the binary solution of "go bankrupt trying to pay for treatment out of pocket or just die."

It also prevented insurers from denying coverage due to covid or pregnancy.

It also prevented insurers from kicking people off of their plans for being "too expensive."

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Beefbud posted...

I don't really know how it works for everyone else, but I have really freaking good health insurance for very cheap thanks to the ACA. I've only made $15k or so the last couple years since I've been in school, and I qualify for subsidies that take almost $600 off my monthly premium; that means I have access to high quality plans and pay very little per month. My max out of pocket yearly is $700, and last year I paid like $20-something a month for my premium. This year I'm paying like $2.50 per month.

that's fucking awesome man, glad to hear it. happy to pay higher taxes so more people can have it too. all people regardless of culture or race. anything else is barbarism.

edit: and we all know that we'll just make Bezos and his friends pay for it btw so don't worry about taxes. start voting right.

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Dark_SilverX posted...

this

pick a God and worship it now

speaking my language, brother

keep the faith, we'll win

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CableZL posted...

We've already gone over the negative effects of the individual mandate that isn't in place any more.

Then what's changed that prompted this? I admit I didn't read the whole topic. The mandate has been gone for a while now and that's what made it so bad, so is the ACA not coming back after all?

CableZL posted...

If you have cancer or some other serious illness, the ACA removed the binary solution of "go bankrupt trying to pay for treatment out of pocket or just die."

And in actuality it put more burden on people's monthly finances and the deductibles still left people with bills they couldn't afford if they did have to invoke it for an emergency. If people were paying that much for healthcare then it could have at least given better coverage but most of what it did is give people shit coverage that they were forced to pay out the ass for.

If there's no mandate then idk what this topic even is because you could get healthcare from the government marketplace without a mandate for a long time now
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WaterLink posted...

And in actuality it put more burden on people's monthly finances and the deductibles still left people with bills they couldn't afford if they did have to invoke it for an emergency. If people were paying that much for healthcare then it could have at least given better coverage but most of what it did is give people shit coverage that they were forced to pay out the ass for.

If there's no mandate then idk what this topic even is because you could get healthcare from the government marketplace without a mandate for a long time now

I addressesed this bullshit. You want people to not have healthcare they need because of some people paying a little bit more? Show me objectively who is paying more besides Bezos and I'll show you how the GOP machine fucked it up. This is you:

pure_temper posted...

> complains about paying almost nothing extra in a year because the standard deduction is higher now for both individuals and households

> doesn't complain about corporations (just the truly evil ones and the owners who don't share stock w/ all workers) holding them pinned down at the neck w/ their boots

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pure_temper posted...

You want people to not have healthcare they need because of some people paying a little bit more

"the healthcare they need" is healthcare that makes them pay 10 grand out of pocket before it kicks in, and people were forced to pay hundreds per month for this "service". If we were forcing people to pay that much extra taxes for healthcare then it should have been more far reaching than that.
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WaterLink posted...

Then what's changed that prompted this? I admit I didn't read the whole topic. The mandate has been gone for a while now and that's what made it so bad, so is the ACA not coming back after all?

The ACA was never gone in the first place. The Trump administration ended the individual mandate, but never repealed the rest despite multiple attempts.

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