<p>Well, he is a man, after all. All he needs to do is listen.</p>
<p>Trying to be the runner up.</p>
<p>Got the PM. Thanks, Samurai.</p>
<p>Hayden, </p>
<p>Glad you can have a laugh. We aim to please. ;)</p>
<p>Busdriver, if only the men in my life listened to me. </p>
<p>At least I have a D who thinks I am usually 99% right. Even if it bugs her.</p>
<p>On another note, I’m curious if anyone has seen their premiums go down for next year (without a corresponding loss of benefits or networks). Specifically I mean for those whose premiums aren’t going down because of subsidies…as obviously the subsidy doesn’t make the premium go down, it just changes who pays for it.</p>
<p>Just curious.</p>
<p>Samurai, sometimes I wish I’d had a daughter, if she would actually listen to me. What a dream.</p>
<p>Maybe D can marry your son. I would share her with you. ;)</p>
<p>Busdriver11, A friend of mine has seen his premium drop several hundred a month.</p>
<p>But…he is worth a few million…And he has hundreds of thousands in losses that can be carried forward…so he may buy medi-cal instead. :).</p>
<p>My sister and her husband would not even be able to buy insurance without Obamacare. He lost his job and their insurance. They are a mess.</p>
<p>Your beautiful D can take her pick, samurai. I would be a doting MIL.</p>
<p>"Busdriver11, A friend of mine has seen his premium drop several hundred a month.</p>
<p>But…he is worth a few million…And he has several hundred of thousands in losses that can be carried forward…so he may buy medi-cal instead."</p>
<p>Seriously? I’m imagining you’re joking. But I suppose if it’s all based on income, he’d probably qualify. I can’t imagine several hundreds of thousands in losses. I’m annoyed when I lose $30. That’s not a good enough trade off for free/cheap health insurance instead.</p>
<p>I am not joking. My friend owned a shoe store that lost several hundred thousand…and he has losses from a hft company. (the hft company made money overall). He isnt going to show an income for a long time. He was going to buy a plan because he was excited to save several hundred a month and his accountant told him to check out subsidized plans because he isnt going to show an income for awhile. I thought you would appreciate this anecdote.</p>
<p>I wasnt joking about my sister and her husband either. Plus their kid may have aspergers.</p>
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</p>
<p>?? That’s what [I</a> said](<a href=“http://talk.collegeconfidential.com/16643867-post6128.html]I”>http://talk.collegeconfidential.com/16643867-post6128.html): “I don’t think they have Kaiser in NY.”</p>
<p>Calmom…I misread your post. </p>
<p>Kaiser failed in the northeast.</p>
<p>“He was going to buy a plan because he was excited to save several hundred a year and his accountant told him to check out subsidized plans because he isnt going to show an income for awhile. I thought you would appreciate this anecdote.”</p>
<p>I’m glad he can get something more affordable. Bummer about the losses, though.</p>
<p>"I wasnt joking about my sister and her husband either. Plus their kid may have aspergers. "</p>
<p>That’s good that they are being helped. But aspergers doesn’t come with a price, at least monetarily. If they had a useful medical solution that would actually work, me and cf would have paid for that long ago.</p>
<p>Busdriver11, I know…</p>
<p>Aspergers is tough to deal with. Sorry you have to deal with it. Sounds like your son is high functioning.</p>
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</p>
<p>Some people have posted on this thread that their own premiums have gone down. I don’t remember which – but you can dig through on your own. There’s only about 6200 posts so it shouldn’t take long. ;)</p>
<p>Yes, I think he is pretty high functioning. Fortunately, he picked a field in which it is common, and it may even be beneficial to him. He has concentration and obsession that I can’t imagine. But unless you’re going to get all sorts of counseling, I don’t think medical treatment is very useful.</p>
<p>Good one, calmom. I’ll save that for a REALLY long flight, when there is absolutely nothing else to do!</p>
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</p>
<p>My current plan is $589 a month. That only includes $500 a year in prescription coverage so even though it is grandfathered in, I don’t want to keep it. A bronze plan for me will cost $354 a month and the silver will be $482 a month. Because of the lousy prescription coverage in the old plan, comparing them is comparing apples to oranges but my monthly premium will be lower. There is no difference in the network. Maryland mandates that all hospitals take all insurance and no doctors have opted out.</p>
<p>That sounds like a net win for you, cartera.</p>
<p>“Maryland mandates that all hospitals take all insurance and no doctors have opted out.”</p>
<p>That is awesome. If only the other states would take note.</p>
<p>Maryland has a system unique to the country. We are the only state that has a Medicare waiver from the feds. Maryland decides how much hospitals receive and it is the same amount no matter the patient - medicare, medicaid, private pay or private insurance. There is no shifting of cost to private payers so no tiered healthcare delivery system. Everyone has access to Johns Hopkins and Shock Trauma. There is no balance billing. That decreases the incentive for insurance companies to opt out. Maryland can only keep the waiver if it contains costs within certain parameters.</p>
<p>I haven’t talked to that many people who aren’t covered by their employers, but of the few I have, in every case their premium (unsubsidized) is going down, and their coverage (in theory) improving. </p>
<p>But, overall, I think the big difference is expanded Medicaid.</p>