Quote:
Originally Posted by Rochard
Here is the thing I don't understand about Obamacare.... If you don't like what you are getting through Obamacare, go out and get better insurance. Here in California we have Kaiser Permanente, and when my employer isn't paying for my insurance I've used them. I've been using Kaiser for the past six or seven years, no issues.
My costs have gone up through the years, but not dramatically.... They would have gone up no matter what.
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You don't understand it because you straight out don't understand it.
If you have income under a certain limit you can get subsidies. A lot of people can get this, a lot of people cannot. Even though you personally cannot get subsidies, that does not mean all of the changes do not have an impact on your personal insurance situation.
I do not get subsidies. My insurance went up 20% this year and I doubled my deductible from last year. There is nothing I can "opt out" of to get away from "Obamacare." This is the current state of affairs. There is nothing you can do to lower your rates except switch plans (which will be worse, for the most part) or significantly reduce your income so that you can get the subsidies.
My plan is $300 a month with a $5000 deductible and I have yet to use it this year, I did not use it last year or the year before either. A friend of mine has the exact same plan and after subsidies he pays $50 a month, I'm not sure on the deductible, but he has a heart condition and has used his insurance thoroughly.
I am thankful that I can now buy insurance, which I could not before Obamacare, but in the process of satisfying my personal needs and needs of some others, a whole swathe of the population is getting royally ass fucked and as more insurance companies and doctors place further restrictions on what they will and will not do, the lube is going to disappear.