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

ppaca wrote:

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.

PkrBum wrote:

ppaca wrote:

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.

Ya know... I'm not going to be greatly affected no matter what... but I know the cadillac tax is a highly contentious issue with the unions and the wealthy. It's getting pretty shitty that the breaks keep going to the influential. That wasn't the promised intent.

Dreamsglore wrote:

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.

ppaca 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.

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.

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

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.

Nekochan wrote:

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

Most families couldn't afford that.  I'm glad you have it though.

2seaoat wrote:I still work......as long as I work.....it is a bargain. If I go onto a fixed income I am going to feel that premium. I guess I will have to play more poker and be a bit more serious about the same.

Dreamsglore wrote:

cool1 wrote:

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


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

------------------------------------------------------------------------------------
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.

cool1 wrote:

Dreamsglore wrote:

cool1 wrote:

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


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

------------------------------------------------------------------------------------
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.

Everyone knows that having ins is better --But I don't see where I have any choices at all---all this is --Obama saying  this is what you have to do because I said so crap--why didn't they come down on ins--companies and make it easier for employers to offer cheaper ins---duh---hes a my way or the highway kind of guy-------And yes you are a dead head signing something you don't know the true cost of or anything  yep--not saying you as singling you out im saying no one knows what they are signing up for and the cost !

cool1 wrote:

Dreamsglore wrote:

cool1 wrote:

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


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

------------------------------------------------------------------------------------
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.

Everyone knows that having ins is better --But I don't see where I have any choices at all---all this is --Obama saying  this is what you have to do because I said so crap--why didn't they come down on ins--companies and make it easier for employers to offer cheaper ins---duh---hes a my way or the highway kind of guy-------And yes you are a dead head signing something you don't know the true cost of or anything  yep--not saying you as singling you out im saying no one knows what they are signing up for and the cost !

cool1 wrote:

Dreamsglore wrote:

cool1 wrote:

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


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

------------------------------------------------------------------------------------
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.

Everyone knows that having ins is better --But I don't see where I have any choices at all---all this is --Obama saying  this is what you have to do because I said so crap--why didn't they come down on ins--companies and make it easier for employers to offer cheaper ins---duh---hes a my way or the highway kind of guy-------And yes you are a dead head signing something you don't know the true cost of or anything  yep--not saying you as singling you out im saying no one knows what they are signing up for and the cost !

Chrissy wrote:

cool1 wrote:

Dreamsglore wrote:

cool1 wrote:

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


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

------------------------------------------------------------------------------------
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.

Everyone knows that having ins is better --But I don't see where I have any choices at all---all this is --Obama saying  this is what you have to do because I said so crap--why didn't they come down on ins--companies and make it easier for employers to offer cheaper ins---duh---hes a my way or the highway kind of guy-------And yes you are a dead head signing something you don't know the true cost of or anything  yep--not saying you as singling you out im saying no one knows what they are signing up for and the cost !

oh believe me, shes a dead head alright. dreams is one of the biggest dead heads e have on here. put dreams, FT and seaoat in a dark room and your got the entire cast for a good dawn of the dead heads movie.

Dreamsglore wrote:

Chrissy wrote:

cool1 wrote:

Dreamsglore wrote:

cool1 wrote:

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


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

------------------------------------------------------------------------------------
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.

Everyone knows that having ins is better --But I don't see where I have any choices at all---all this is --Obama saying  this is what you have to do because I said so crap--why didn't they come down on ins--companies and make it easier for employers to offer cheaper ins---duh---hes a my way or the highway kind of guy-------And yes you are a dead head signing something you don't know the true cost of or anything  yep--not saying you as singling you out im saying no one knows what they are signing up for and the cost !

oh believe me, shes a dead head alright. dreams is one of the biggest dead heads e have on here. put dreams, FT and seaoat in a dark room and your got the entire cast for a good dawn of the dead heads movie.

Yeah right. We all can't go to India w/ an online friend to find a cure for cancer so somebody has to be the dead head. LOL!

Nekochan wrote:

ppaca 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.

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.

I understand and I am glad that we have insurance available.   But my point is: if we didn't have insurance but could pay a fine, of say $500 a month, and still receive health care, why would we pay $821 a month?

Chrissy wrote:

Dreamsglore wrote:

Chrissy wrote:

cool1 wrote:

Dreamsglore wrote:

cool1 wrote:

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


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

------------------------------------------------------------------------------------
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.

Everyone knows that having ins is better --But I don't see where I have any choices at all---all this is --Obama saying  this is what you have to do because I said so crap--why didn't they come down on ins--companies and make it easier for employers to offer cheaper ins---duh---hes a my way or the highway kind of guy-------And yes you are a dead head signing something you don't know the true cost of or anything  yep--not saying you as singling you out im saying no one knows what they are signing up for and the cost !

oh believe me, shes a dead head alright. dreams is one of the biggest dead heads e have on here. put dreams, FT and seaoat in a dark room and your got the entire cast for a good dawn of the dead heads movie.

Yeah right. We all can't go to India w/ an online friend to find a cure for cancer so somebody has to be the dead head. LOL!

well we certainly cant all go to india on a invite to work on such:D 

Not sure what you find funny about that. Its a fact that I was invited and a fact that we have some pretty deep discussions on said topic.

Im currently ignoring her now though because the urge is too strong.

You may not realize this but the internet is larger than just a few locals chatting in a forum. I chat with people from all over the world and we chat face to face live cam. Its a neat experience.

you wouldn't believe the things ive seen.  

I have one guy that likes to cam me and he soooooo handsome, and he likes me to tell him what to do. When Im not there to tell him what to do, he gets very upset.

but you don't like any adventures like that. You just enjoy your little hatful mindset. I enjoy a challenge and some entertainment occasionally.  

ppaca wrote:

Nekochan wrote:

ppaca 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.

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.

I understand and I am glad that we have insurance available.   But my point is: if we didn't have insurance but could pay a fine, of say $500 a month, and still receive health care, why would we pay $821 a month?

You wouldn't want to pay $821 if you have it available for $500, no need for you do to anything. Why not pay a fine? Well you could if you don't have it at all, but then the taxpayer's still have to pay for you to go to ER and other policy holder's.

cool1 wrote:

Dreamsglore wrote:

cool1 wrote:

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


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

------------------------------------------------------------------------------------
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.

Everyone knows that having ins is better --But I don't see where I have any choices at all---all this is --Obama saying  this is what you have to do because I said so crap--why didn't they come down on ins--companies and make it easier for employers to offer cheaper ins---duh---hes a my way or the highway kind of guy-------And yes you are a dead head signing something you don't know the true cost of or anything  yep--not saying you as singling you out im saying no one knows what they are signing up for and the cost !

Chrissy wrote:

ppaca wrote:

Nekochan wrote:

ppaca 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.

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.

I understand and I am glad that we have insurance available.   But my point is: if we didn't have insurance but could pay a fine, of say $500 a month, and still receive health care, why would we pay $821 a month?

You wouldn't want to pay $821 if you have it available for $500, no need for you do to anything. Why not pay a fine? Well you could if you don't have it at all, but then the taxpayer's still have to pay for you to go to ER and other policy holder's.

Im sorry, did I just see you try and make people feel bad for being a burden to the tax payers LOL

She has insurance so I said keep it. Not making anyone feel bad, I don't really believe too many people care if you yourself are paying more for insurance because you are also paying for one's without insurance to go to ER. Whether through your insurance premium's or taxes. We have been in this system many year's. Who on this forum can say they feel bad because taxpayer's are helping pay for your (and even though you also paid) the following benefits?

Medicare
Tricare
Social Security
VA Benefits

ppaca wrote:

cool1 wrote:

Dreamsglore wrote:

cool1 wrote:

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


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

------------------------------------------------------------------------------------
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.

Everyone knows that having ins is better --But I don't see where I have any choices at all---all this is --Obama saying  this is what you have to do because I said so crap--why didn't they come down on ins--companies and make it easier for employers to offer cheaper ins---duh---hes a my way or the highway kind of guy-------And yes you are a dead head signing something you don't know the true cost of or anything  yep--not saying you as singling you out im saying no one knows what they are signing up for and the cost !

Nope, group plans still costly and you do know what you are signing up for. The problem with the govt website is most people think they are signing up for a plan with the application they are completing, nope, you are just seeing if you qualify for a subsidy. Then you go in and see all plans and pick. That is the problem, no chance on seeing them first unless you go through an agent, which many think we are all lower than congress. The insurance part is so complicated, even for insurance company's and agent, I can only imagine what hospitals, docs and other provider's are going thru. I have even contemplating and actually looking around to get out of this because most are bypassing us and going to the website which hasn't worked very well this past week. No sense sitting around doing nothing.