Has anyone here signed up for Obamacare or knows someone who has signed up for it?

I've read that there a lot about problems with the system and that people are shocked by the high cost of the plans.  I am not starting this thread in order to have people call each other names, it's just a question. 

Hubby and I have health ins through his job.  It costs us over $500 a month. Not exactly what I call cheap, but at least we're insured.  I used that Kaiser calculator that Chrissy posted and if we had no health insurance, according to the calculator, a plan for us would cost $821 a month, with no subsidy.   This is not what I consider affordable.  I just am curious about real life experience for anyone who has actually signed up.

they reported very few numbers --not like the millions Obama said that would ---I heard one state no one signed up and in another--7000 I don't know but you will see they wont have people signing up for it like they said.

Six months from now you will have your answer. The dialogue for the next two weeks will be about problems, and low numbers. The discussion in six months will be all about the success as this rolls out just in time for November 2013 and the beat down which will follow. I think of somebody coming over to your rehab and commenting on how bad the house looks as it is stripped down. The truth is that if you want to evaluate this program and the sign ups you are going to have to revisit this next year.

Nekochan wrote:I've read that there a lot about problems with the system and that people are shocked by the high cost of the plans.  I am not starting this thread in order to have people call each other names, it's just a question. 

Hubby and I have health ins through his job.  It costs us over $500 a month. Not exactly what I call cheap, but at least we're insured.  I used that Kaiser calculator that Chrissy posted and if we had no health insurance, according to the calculator, a plan for us would cost $821 a month, with no subsidy.   This is not what I consider affordable.  I just am curious about real life experience for anyone who has actually signed up.

it turns out that calculator is fairly accurate. I started seeing it on the MSM such as abc, nbc cnn etc

The calculator would be about the same as I pay no through my employer. But you cant use the exchange usless your ins through your payment is 9.5 % of your annual income. I woudnt anyway because why be a burden to society by adding to the tab? let my employer pay it, hes fine with it. he treats us very good and I doubt any plan I could get on the exchange would be as good as the one I have now.

I do not know anyone who plans on using the exchange btw

If we had no ins. and if the penalty for not having insurance costs much less than $821 a month and we knew that we could go the the ER and get treatment if we needed it, I think we'd pay the penalty.

I think we'd pay the penalty.


Yes you would, and the deadbeats pay nothing now. Win/win.

2seaoat wrote:I think we'd pay the penalty.


Yes you would, and the deadbeats pay nothing now.  Win/win.

How is it called the Affordable Care Act?  Shouldn't, at least,  the name be changed?

2seaoat wrote:I think we'd pay the penalty.


Yes you would, and the deadbeats pay nothing now.  Win/win.

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Hahaa what do you call people who sign up for stuff they don't know what they are signing up for -----dead heads lol

Nekochan wrote:If we had no ins. and if the penalty for not having insurance costs much less than $821 a month and we knew that we could go the the ER and get treatment if we needed it, I think we'd pay the penalty.

yeah, I do think they are going to be sorely disappointed with this first year of getting those 2.8 million young people to sign up. and the other 4. something they are expecting. The fine is very small the first year and I think with the problems it ill discourage especially young people who just don't give a fuck.

so come income tax time and they have not signed up and they get that $95 taken from m is gonna piss em off those greedy little freeloading bastards lol and I know that is going to make those young people hurry up and go vote for liberals 6 months later in droves. im kind of scared  












Not:pirat: 

I think that the fines are going to be increasing a lot over the next few years.

Nekochan wrote:I think that the fines are going to be increasing a lot over the next few years.

yes in 2015 it goes up to something like almost $600

Nekochan wrote:I think that the fines are going to be increasing a lot over the next few years.

They will---some people cant afford now--so in a few years when the government takes the taxes --well how will that look-----the government growing on the backs of the poor --and if that's not enough --take there taxes too I think its lame.

I would advise people to read this thing fully before signing up.
people just want people to sign up without knowing what they are going to pay --rediculious

I think that the fines are going to be increasing a lot over the next few years.


Yes they will.

2seaoat wrote:I think that the fines are going to be increasing a lot over the next few years.


Yes they will.

all that ducking and weaving today tire you out? Youre a little slo to the draw here, I gave the amount already of hat it will be next year.

unless you have put me on ignore which would be bliss for me at this point because I have kicked your ass all over this forum today...

Don't forget, YOU LIKE IT.... remember.  

Nekochan wrote:If we had no ins. and if the penalty for not having insurance costs much less than $821 a month and we knew that we could go the the ER and get treatment if we needed it, I think we'd pay the penalty.

That would be a very risky decision,Neko especially if you have any sort of assets or own a home. As I've said in earlier posts the ER only treats immediate situations to stabilize.If you broke a bone you would get no cast.Only an ace bandage and referred to a orthopedic specialist for casting.
Last year we helped a woman and her husband who was self employed. She did not work.They had no health insurance and he was in Iowa and ate a buffet and got deathly sick. He was taken to a local hospital where they suspected he had eaten some sort of bacteria that paralyzed him. She drove to Iowa to be w/ him and wound up staying there 2 months sleeping in her car and eating out of the hospital dumpster as they no longer had any income. They didn't have the gas or food money to get him back here when he was released. He needed 24 hr. care. We wired her the money to bring him back to Pace and when she got here he couldn't stay at home as the water, electric and gas were shut off. BTW, they lived in a $350000 home. He had to go into a nursing home. They were in their 50's. They repossessed her car and shut off her phone. She applied for food stamps but it took about a month to get them and she had to scavage food during that time. She was hysterical in my office crying about why did this happen to them as they were good people. It was awful. The local charities paid her utilities for about 2 months but that's all. They foreclosed on their house and they were looking at living in a room somewhere long term as he never paid much into SS and the disability check would be lower than SSI. Now her situation is mostly due to poor planning but if they had health insurance he would at least get home care and the stuff he needs medically but medicaid pays for very little.

Nekochan wrote:I've read that there a lot about problems with the system and that people are shocked by the high cost of the plans.  I am not starting this thread in order to have people call each other names, it's just a question. 

Hubby and I have health ins through his job.  It costs us over $500 a month. Not exactly what I call cheap, but at least we're insured.  I used that Kaiser calculator that Chrissy posted and if we had no health insurance, according to the calculator, a plan for us would cost $821 a month, with no subsidy.   This is not what I consider affordable.  I just am curious about real life experience for anyone who has actually signed up.

That's an average of all plans in Florida since you and your husband would not qualify for a subsidy. Your husband's employer is probably paying quite a bit of his premium but it is spousal coverage that brings it up over $500 per month, which has been in this range for sometime here in Florida.

We pay over $1,400 a month for a great insurance policy. No complaints.

cool1 wrote:

2seaoat wrote:I think we'd pay the penalty.


Yes you would, and the deadbeats pay nothing now.  Win/win.

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Hahaa what do you call people who sign up for stuff they don't know what they are signing up for -----dead heads lol

Having medical care vs no medical care is not a very smart thing to do. You certainly will be a "dead head" w/o it.

Chrissy wrote:

Nekochan wrote:I've read that there a lot about problems with the system and that people are shocked by the high cost of the plans.  I am not starting this thread in order to have people call each other names, it's just a question. 

Hubby and I have health ins through his job.  It costs us over $500 a month. Not exactly what I call cheap, but at least we're insured.  I used that Kaiser calculator that Chrissy posted and if we had no health insurance, according to the calculator, a plan for us would cost $821 a month, with no subsidy.   This is not what I consider affordable.  I just am curious about real life experience for anyone who has actually signed up.

it turns out that calculator is fairly accurate. I started seeing it on the MSM such as abc, nbc cnn etc

The calculator would be about the same as I pay no through my employer. But you cant use the exchange usless your ins through your payment  is 9.5 % of your annual income. I woudnt anyway because why be a burden to society by adding to the tab? let my employer pay it, hes fine with it. he treats us very good and I doubt any plan I could get on the exchange would be as good as the one I have now.

I do not know anyone who plans on using the exchange btw

On exchange off exchange all same plans, but you have to purchase through exchange to get a subsidy. 9.5% is the affordability factor if you are offered group insurance. If over that amount you may be eligible for a subsidy on the exchange and that 9.5% is employee wages, if you have a family and you the employee has affordable coverage but you cannot afford to put spouse or family on your group, your family cannot qualify for a subsidy.(So called family glitch) but they can buy a plan for full price on or off exchange.

Even if one does not qualify for a subsidy and buys on exchange the premium is the same on or off. Advantage to buying on exchange is if you lose your income or is reduced during the year you can call CMS and they will re figure and you may start receiving a subsidy mid year.

Hahaa what do you call people who sign up for stuff they don't know what they are signing up for -----dead heads lol

I think average Americans are quite capable of comparing policies. Few will be surprised, but again, that is an intelligence thing.

2seaoat wrote:We pay over $1,400 a month for a great insurance policy.  No complaints.

Yep, I know some other's from the county's around here that are retired teacher's with spouse on coverage and that sounds about right. The retired teacher's do not receive much of a break on their's after retirement.

Clarifying on or off exchange makes no difference, even if you do not qualify for subsidy you can purchase on exchange (that don't work right at the moment) If you are confident your income isn't going down next year and are over 400% of FPL then no sense to purchase on exchange.

Seaoat the rates without a subsidy in Florida out of sight and far from affordable except for the cat and bronze plans.

One's between 133% and 250% of FPL will be getting real good deals. For some reason starting at around age 28 to 42 the rates are not that bad even off exchange. All plans where people have children on with them is mandated pediatric dental and vision, but it's only on an average of $10.00 more per month.

ppaca wrote:

2seaoat wrote:We pay over $1,400 a month for a great insurance policy.  No complaints.

Yep, I know some other's from the county's around here that are retired teacher's with spouse on coverage and that sounds about right. The retired teacher's do not receive much of a break on their's after retirement.

Will that incur a cadillac tax? If not... was it an exemption?

Oh one more thing. One's who elect to pay the penalty will no doubt pay 1% of income not $95.00, that is only 1% of $9500 and those people in Florida do not qualify for anything and are exempt from penalties. It's which ever is the greater amount. We have also heard that if you opt out and pay the penalty there is a very good chance that just may trigger an audit on your taxes all the way around.

PkrBum wrote:

ppaca wrote:

2seaoat wrote:We pay over $1,400 a month for a great insurance policy.  No complaints.

Yep, I know some other's from the county's around here that are retired teacher's with spouse on coverage and that sounds about right. The retired teacher's do not receive much of a break on their's after retirement.

Will that incur a cadillac tax? If not... was it an exemption?

Not until 2016 or 18 and there is discussion about getting rid of that cadillac tax.