<p>TatinG, Then the article in your paper was wrong.</p>
<p>I encourage you to put in numbers in the subsidy calculator to check out the subsidies available at different income levels. [Subsidy</a> Calculator | The Henry J. Kaiser Family Foundation](<a href=“http://kff.org/interactive/subsidy-calculator/]Subsidy”>Health Insurance Marketplace Calculator | KFF)</p>
<p>^ yup…if you like your plan, you can keep it…just have pay through the nose though…I guess our prez conveniently left that part out.</p>
<p>Great…from Kaiser calculator my family plan will only increase 86% for just the bronze plan(worse coverage than currently have)…whoppeee</p>
<p>In the next few years, we’ll be able to see if prices rose more or less than they had before. Right now that’s not at all clear.</p>
<p>In some states, the prices will be lower. In others, they’ll be higher. But in those where they’re going up, they may or may not be going up more than before.</p>
<p>Per Bloomberg:</p>
<p>"Health insurance premiums will drop by about 50 percent on average for consumers in New York who buy new plans through a state-run marketplace created by the U.S. Affordable Care Act.</p>
<p>The state approved plans to be sold by 17 insurers, including UnitedHealth (UNH) Group Inc. and WellPoint Inc., the industry’s two biggest carriers, according to a statement today by New York Governor Andrew Cuomo. The lowered rates mean that starting Oct. 1, a New York City resident who now pays at least $1,000 a month for insurance will be able to buy coverage for as little as $308, according to rates posted by governor’s office."
[New</a> York Health Exchanges Offer 50% Drop in Premiums - Bloomberg](<a href=“Bloomberg - Are you a robot?”>Bloomberg - Are you a robot?)</p>
<p>There’s a great article in The Weekly Standard about the potential for rampant abuse and fraud with the healthcare exchanges. Another brilliant government program destined to be a failure like the social security ponzu scheme and Medicare.</p>
<p>momfromme,</p>
<p>I think this is the article TatinG was referring to. I had seen it too.</p>
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<p>[Obamacare</a> cliff ahead: Work more, get less… - NBC News.com](<a href=“http://www.nbcnews.com/business/obamacare-cliff-ahead-work-more-get-less-6C10804453]Obamacare”>Obamacare cliff ahead: Work more, get less...)</p>
<p>tatin is correct, it is 1000’s of dollars…family of 4 age 52 making $94k gets a $6,686 tax credit, but if they make $95k, they get nothing according to the calculator…</p>
<p>I have tried the calculator for two states. Same thing as what TatinG said. </p>
<p>All depends on family AGI, number of kids in family and ages. Since the baseline is poverty line, anyone above that will have ranges - kind of like FAFSA EFC.</p>
<p>The Kaiser calculator comes up with completely different numbers than the actual state exchange calculators numbers.</p>
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<p>dietz, I have been paying my own health insurance for about 35 years and every single year the rates have gone up. Many times I had to change plans and opt for less coverage (like a higher deductible) in order to get an affordable rate.</p>
<p>The insurance companies are in business to make money. Health costs go up, their administrative costs go up, etc., so they raise their rates. </p>
<p>You can blame ACA for your rates going up, but how do you know they wouldn’t have gone up even more without ACA? (At least ACA mandates that the bulk of premium dollars go to actual medical services – hence the rebates)</p>
<p>Well, if dietz’s rates go up, one could argue that the ACA did not, in fact, make her medical care more affordable.</p>
<p>My company <em>had</em> very generous health coverage for all employees. Under ACA we had to drop benefits or pay huge penalties. Not unionized so no waivers. Net result - dropping from cheap, full coverage to a crappy high deductible plan. Gee, thanks.</p>
<p>ACA will also not use assets (unlike college financial aid) in determining eligibility for the subsidy, just income. So the taxpayers could be subsidizing those sitting on millions in real estate or other assets who carefully keep their income under the set amount.</p>
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<p>If your company is telling you that waivers were received by only unionized companies or that your company even qualified for a waiver, then you are being snookered by management. The waivers were for companies offering mini-meds - plans that were inferior to start with but were the only plans that many low wage or part time employees had. The only item in the ACA the waivers applied to was the provision phasing out the annual limits. If you had cheap full coverage, your plan was not the kind of plan that the waivers benefited.</p>
<p>For those of you that are against the implementation of ACA would you favor Medicare for all or just a return to the old system?</p>
<p>Tom1944,</p>
<p>Why do you limit us to only those choices?</p>
<p>I favor a system that makes people pay more for bad health choices ie. smoking. As it is now with ACA, the exchanges in many states can’t figure out a way to make smokers pay more. </p>
<p>I favor adding more doctors to the system through adding more medical school spots and more residencies so that there is more access to timely appointments.</p>
<p>I have no problem with additional choices. Outline some for me. Upfront I favor Medicare for all with the ability to purchase private insurance for secondary coverage like seniors do now.</p>
<p>Tatin- we tax cigarettes at a high rate. Tax it enough to offset the medical cost. Do the same with soda, juice cookies etc.</p>
<p>I would like to see medical schools set up like the service academies. You go for free with a commitment to serve some period of time upon graduation.</p>
<p>I think removing insurance from the employer will be an economic boost in the global economy.</p>
<p>I really would like to see a non-partisan analysis of what works in other countries considering demographics and scale. Copy the best practices.</p>
<p>I have read that it actually should be about $30 per pack of cigs for the harm it does, or more. Also other tobacco products prices need to be raised, but some have strong lobbyists! There is one in our town who has gotten the tax for luxury cigars down to $.15 each in cigars costing $25 apiece!</p>