<p>Less than we paid, via employer.</p>
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<p>Articles and personal experiences have been posted. However, they do not past muster for those not interested in hearing that part of the story. “All lies and jest…Still, a man hears what he wants to hear and disregards the rest.”</p>
<p>LF: you are a winner…congrats!!!</p>
<p>$700/month for two people? Wow, that was cheap. The health insurance Mr. Fang and I had cost more than twice that, even though employment-based insurance is not age-rated. But unlike yours, GP, our insurance had to cover things like Mr. Fang’s co-workers’ premature babies, and care for his co-workers with chronic conditions. You didn’t, because you had healthy people insurance.</p>
<p>GP, here’s an article on the deductible/copay/coinsurance subsidies that some people get:
<a href=“In Addition To Premium Credits, Health Law Offers Some Consumers Help Paying Deductibles And Co-Pays - KFF Health News”>http://www.kaiserhealthnews.org/features/insuring-your-health/2013/070913-michelle-andrews-on-cost-sharing-subsidies.aspx</a></p>
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<p>But, the middle class without employer insurance usually loses. However, it is already shrinking so the poor wins the numbers game. The whole thing is just very, very sad. </p>
<p>Yeah, but how about the people from 250 to 400% of poverty. No reductions. They still can’t afford medical care. And the people closer to the 250% are going to have very high deductibles as well.</p>
<p>What is the deductible for Mr. Fang and you? And how much of the premium do you actually pay (as opposed to the employer).</p>
<p>Maybe I am crazy, but $10,000 in deductibles and $8,148 a year in premiums do not seem like a great bargain to me.</p>
<p>We don’t pay any of the premiums I don’t think, but that’s irrelevant: I was talking about what the insurance actually costs, not what we pay. It was expensive to buy insurance that covered sick people. You didn’t have to do it, because you weren’t buying insurance that covered sick people.</p>
<p>Dietz wrote:
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<p>I’m confused. Aren’t you self-employed? </p>
<p>You wrote:
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<p>You can take the self-employed health insurance deduction and subtract the entire premium from your income. It’s an above the line deduction-- better than a Schedule C. deduction. </p>
<p>So what more do you want? </p>
<p>GP, sure, we know a few personal and media tales. We know a few here think it’s rampant. I want to know more. Don’t you want a shot at proving it’s more than anecdotal, a few practices here and there? Am also curious how much this affects various sorts of communities. These are logical questions. Let me know when you see some greater detail. Eh?</p>
<p>Don’t you be the person who “hears what he wants to hear and disregards the rest.” </p>
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<p>Sorry, but you’re just wrong. My daughter has a subsidy AND reduced co-pays, deductibles, and OOP max.</p>
<p>If someone buys a silver plan, everything gets smaller. People we helped to buy had all kinds of variable numbers for deductibles the closer they got to 100% of poverty level income. These almost disappeared when the income reached 250% of poverty level. Essentially, the plans varied from 0 to 250 in deductible at the lowest levels of income.</p>
<p>calmom: I don’t know, you tell me…am I self employed… H and I are the only share holders in an LLC. The LLC issues us K1’s. We do not receive an W2’s. Is that self employed?</p>
<p>Um LF: No need to harp on GP… that is my post you are referencing…and yes…as evidence by the reply to the wrong poster…one sees what one wants to see…;)</p>
<p>“Is that self employed?”</p>
<p>No</p>
<p>Edit: I take that back. An LLC member may be considered to be self-employed. I am not sure, however, if the insurance premiums can be deducted on the 1040.</p>
<p>LF, I have given you and others on this board plenty of example of providers who do not accept Obmamcare insurance. I have even discussed my own personal situation in this regard. You haven’t been listening.</p>
<p>Dietz: Sorry. Ok, you don’t be…
Seriously, I know you’re getting some sticker shock, but what was the point in suggesting I’m “not interested in hearing that part of the story?” I’ve been asking for better, broader info, all along- and some vetting before claiming something is widespread wreckage. </p>
<p>And GP: that’s foolish- you linked some media reports and we heard your own rates would go up. (Plus Dietz’s issues.) That’s not any kind of reliable survey. It’s articles hand-selected to make your point. </p>
<p>Texas, you are accurate regarding subsidies for deductibles and out of pocket maximums. LasMa was claiming all subsidized people didn’t have to pay deductibles, which isn’t true.</p>
<p>GP! What’s going on?<br>
She said: “When someone is subsidized, their co-pays, deductibles, and max out-of-pocket are also reduced.” And: “My daughter has a subsidy AND reduced co-pays, deductibles, and OOP max.”</p>
<p>What is this twisting? </p>
<p>GP, when you first joined this thread you were upset that the ACA plans didn’t include providers like Cedars. Shortly after that, my dad passed away so I wasn’t paying attention during the time that you (I believe) selected a group plan which did include Cedars, which you like, but came with a higher premium, which you don’t. Do I have that right? </p>
<p>Yes, LasMa, you have that right. I now have group insurance which has the identical network of my old individual plan. I am okay but many people didn’t have the same opportunity to leave the individual market to escape Obamacare. I would have preferred to keep my individual insurance but that option was no longer available at any price</p>