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0 pointshiram1129y ago0 comments

No the issue is that ALL the plans are now 'bare bones'.

Big Fortune 500 companies that used to offer 'PPO' plans (i.e. you paid your rate and then had $10-$20 copays) now only offer catastrophic plans.

So we are paying the same (and higher) for the plans as we used to, but now we don't actually get anything for them until we reach the deductible, which is higher and higher every year.

I pay the same as a few years ago every month, but get absolutely nothing until I hit $2K or so.

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6 comments · 2 top-level

falcolas9y ago· 2 in thread

Not all plans. I've been on a PPO pretty much forever, before and after ACA. The deductibles have always gone up, as have the costs; but it's always been an option at every company I've worked for.

Nrsolis9y ago

Well, you're still an employee right?

You're not the guy actually footing the majority of the bill, so it doesn't really matter as much to you, right?

BUT, if you own a small tire shop and some guy just tripled your healthcare costs, well....he might have a different opinion.

falcolas9y ago

The full bill for insurance (minus savings for being part of a larger group) is coming out of my paycheck and profit shares, one way or the other.

> if you own a small tire shop and some guy just tripled your healthcare costs, well....he might have a different opinion.

I have a few friends and family who can get insurance due to ACA, so no, I wouldn't. I don't fall in that group (thankfully), but I'm more than happy to pay the costs so they can not go bankrupt or have to play the emergency room shuffle.

Hell, we'll all be there someday. It's the unicorn individual who is never sick throughout their life until they simply drop dead.

scarmig9y ago· 2 in thread

So your argument is that the ACA should provide healthcare that's both very cheap and very comprehensive. Because it isn't doing so, we should repeal it and go back to 2008, and healthcare will be made cheap and comprehensive?

Nrsolis9y ago

I think the core argument is that it wasn't working and isn't working any better now but costs everyone a BUNCH MORE.

Regulatory capture and conflict of interest made it impossible for government (itself the largest payer for healthcare) to find ways to drive down costs. All the incentives are lined up to deliver worse or less care for more money. That's a recipe for disaster.

scarmig9y ago

"isn't working any better now"?

I know people who are literally alive today because of the ACA. Do their lives have no value?

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6 comments · 2 top-level

falcolas9y ago· 2 in thread

Not all plans. I've been on a PPO pretty much forever, before and after ACA. The deductibles have always gone up, as have the costs; but it's always been an option at every company I've worked for.

Nrsolis9y ago

Well, you're still an employee right?

You're not the guy actually footing the majority of the bill, so it doesn't really matter as much to you, right?

BUT, if you own a small tire shop and some guy just tripled your healthcare costs, well....he might have a different opinion.

falcolas9y ago

The full bill for insurance (minus savings for being part of a larger group) is coming out of my paycheck and profit shares, one way or the other.

> if you own a small tire shop and some guy just tripled your healthcare costs, well....he might have a different opinion.

Hell, we'll all be there someday. It's the unicorn individual who is never sick throughout their life until they simply drop dead.

scarmig9y ago· 2 in thread

Nrsolis9y ago

I think the core argument is that it wasn't working and isn't working any better now but costs everyone a BUNCH MORE.

scarmig9y ago

"isn't working any better now"?

I know people who are literally alive today because of the ACA. Do their lives have no value?

1 more reply

j / k navigate · click thread line to collapse