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(MSN)   You know Obamacare has problems when some enrollees in it want the act repealed   (msn.com ) divider line
    More: Obvious, Kaiser Family Foundation, health insurance, health care, Obamacare enrollees, percent, health care law, J. Kaiser Family, Obamacare enrollees boils  
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2198 clicks; posted to Politics » on 11 Jan 2017 at 12:29 PM (5 days ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



254 Comments     (+0 »)
 
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5 days ago  
To be fair, some enrollees want Obamacare repealed so it doesn't interfere with the ACA. So there's that.
 
5 days ago  
My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.
 
5 days ago  

Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.


I'm in a similar situation.
 
5 days ago  

Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.


The solution, of course, is to toss the whole thing out and start over with single payer.
 
5 days ago  
When I was 27, I too did not get nearly any benefits from my awesome insurance package. Totally wasted money. Then I was diagnosed with cancer.

I guess what I'm saying is, shared risk is the devil.
 
vpb [TotalFark]
5 days ago  

Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.


No you couldn't.   A hospital stay can easily run over $100,000 for a major injury or illness.  If you can't afford 7,000 a year then there is no way you could finance that.  You would have to make about $50,000/yr if you would be eligible for subsidies.

So if you are single, making $50,000 and can't afford $300/mo to keep yourself alive then you are doing a terrible job of managing your money.
 
5 days ago  
Keep Obamacare away from my ACA.
 
5 days ago  

raerae1980: The solution, of course, is to toss the whole thing out and start over with single payer.


That's one possible choice. Another would be leaving the ACA as it is. Another would be repealing the ACA, and then passing a new "TrumpCare" law that imposes all the same policies as the ACA under a new brand name.There are many others... some which might be considered better, some which might be considered worse. My expectation is that the GOP will try something worse than either the current ACA or single payer, but I might yet be pleasantly surprised.

In the end, however, the notion of a "solution" is a fiction; there's only being left with a preferred sort of problem.

vpb: No you couldn't. A hospital stay can easily run over $100,000 for a major injury or illness. If you can't afford 7,000 a year then there is no way you could finance that.


Maybe he's just planning to self-insure the funeral costs instead of treatment?

vpb: You would have to make about $50,000/yr if you would be eligible for subsidies.


It's possible that's the post-subsidy cost, especially if it's not individual but an entire family being covered.
 
5 days ago  

raerae1980: Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.

The solution, of course, is to toss the whole thing out and start over with single payer.


Agreed
 
5 days ago  

vpb: Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.

No you couldn't.   A hospital stay can easily run over $100,000 for a major injury or illness.  If you can't afford 7,000 a year then there is no way you could finance that.  You would have to make about $50,000/yr if you would be eligible for subsidies.

So if you are single, making $50,000 and can't afford $300/mo to keep yourself alive then you are doing a terrible job of managing your money.


Not single. Its over $500 a month. I also  have other bills. Mortgage/ home owners ins. car payments. I do not live a rich lifestyle. Insurance is approx. 75% of mortgage payment. That is not acceptable
 
5 days ago  
29% don't like their insurance policies from the Exchange?

A) doesn't that mean the vast majority (71%) like their policies
B) 100% like their policies enough through the Exchange to not purchase policies outside the Exchange?
 
5 days ago  

Willy Wacker: vpb: Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.

No you couldn't.   A hospital stay can easily run over $100,000 for a major injury or illness.  If you can't afford 7,000 a year then there is no way you could finance that.  You would have to make about $50,000/yr if you would be eligible for subsidies.

So if you are single, making $50,000 and can't afford $300/mo to keep yourself alive then you are doing a terrible job of managing your money.

Not single. Its over $500 a month. I also  have other bills. Mortgage/ home owners ins. car payments. I do not live a rich lifestyle. Insurance is approx. 75% of mortgage payment. That is not acceptable


Also wife is disabled so I get to pay for whatever medicare doesn't cover
 
5 days ago  

mrshowrules: 29% don't like their insurance policies from the Exchange?

A) doesn't that mean the vast majority (71%) like their policies
B) 100% like their policies enough through the Exchange to not purchase policies outside the Exchange?


Not every state is on the exchange
 
5 days ago  
Canada looks better every day
 
5 days ago  
Focus groups show that the people who hate Obamacare want coverage for pre-existing conditions along with more coverage and lower out-of-pocket costs.

And they expect that the Republican Congress will give that to them.
 
5 days ago  

Willy Wacker: mrshowrules: 29% don't like their insurance policies from the Exchange?

A) doesn't that mean the vast majority (71%) like their policies
B) 100% like their policies enough through the Exchange to not purchase policies outside the Exchange?

Not every state is on the exchange


So?  Isn't the article only referring to people who have insurance through an Exchange (in one of those States)..
 
5 days ago  

mrshowrules: Willy Wacker: mrshowrules: 29% don't like their insurance policies from the Exchange?

A) doesn't that mean the vast majority (71%) like their policies
B) 100% like their policies enough through the Exchange to not purchase policies outside the Exchange?

Not every state is on the exchange

So?  Isn't the article only referring to people who have insurance through an Exchange (in one of those States)..


Yes. But at my current income I fall just outside of any subsidies so it really is not a factor
 
5 days ago  

Willy Wacker: mrshowrules: Willy Wacker: mrshowrules: 29% don't like their insurance policies from the Exchange?

A) doesn't that mean the vast majority (71%) like their policies
B) 100% like their policies enough through the Exchange to not purchase policies outside the Exchange?

Not every state is on the exchange

So?  Isn't the article only referring to people who have insurance through an Exchange (in one of those States)..

Yes. But at my current income I fall just outside of any subsidies so it really is not a factor


Wait - do you make $1 more than the limit for subsidies?  This is starting to sound mighty familiar.
 
5 days ago  

Tor_Eckman: Willy Wacker: mrshowrules: Willy Wacker: mrshowrules: 29% don't like their insurance policies from the Exchange?

A) doesn't that mean the vast majority (71%) like their policies
B) 100% like their policies enough through the Exchange to not purchase policies outside the Exchange?

Not every state is on the exchange

So?  Isn't the article only referring to people who have insurance through an Exchange (in one of those States)..

Yes. But at my current income I fall just outside of any subsidies so it really is not a factor

Wait - do you make $1 more than the limit for subsidies?  This is starting to sound mighty familiar.


I'm not sure of the exact amount, but it isn't much
 
5 days ago  

Beaver1224: To be fair, some enrollees want Obamacare repealed so it doesn't interfere with the ACA. So there's that.


It's easier to call them morons.
 
5 days ago  

Tor_Eckman: Willy Wacker: mrshowrules: Willy Wacker: mrshowrules: 29% don't like their insurance policies from the Exchange?

A) doesn't that mean the vast majority (71%) like their policies
B) 100% like their policies enough through the Exchange to not purchase policies outside the Exchange?

Not every state is on the exchange

So?  Isn't the article only referring to people who have insurance through an Exchange (in one of those States)..

Yes. But at my current income I fall just outside of any subsidies so it really is not a factor

Wait - do you make $1 more than the limit for subsidies?  This is starting to sound mighty familiar.


Probably lives in Missouri too.
 
5 days ago  
You know Obamacare the average American has problems with basic education and critical thinking  when some enrollees in it want the act repealed

FTFSubby
 
5 days ago  
A lot of people would rather roll the dice and not pay for or have insurance at all. The ACA forced them to pay in some form, so they are understandably unhappy.
 
5 days ago  

vpb: Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.

No you couldn't.   A hospital stay can easily run over $100,000 for a major injury or illness.  If you can't afford 7,000 a year then there is no way you could finance that.  You would have to make about $50,000/yr if you would be eligible for subsidies.

So if you are single, making $50,000 and can't afford $300/mo to keep yourself alive then you are doing a terrible job of managing your money.


So you're bad at math, and seem to know everyone's financial and personal situation, and when they're fiscally irresponsible... thanks for being there for Willy.
 
5 days ago  

Beaver1224: To be fair, some enrollees want Obamacare repealed so it doesn't interfere with the ACA. So there's that.


Done in one.
 
5 days ago  

vpb: Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.

No you couldn't.   A hospital stay can easily run over $100,000 for a major injury or illness.  If you can't afford 7,000 a year then there is no way you could finance that.  You would have to make about $50,000/yr if you would be eligible for subsidies.

So if you are single, making $50,000 and can't afford $300/mo to keep yourself alive then you are doing a terrible job of managing your money.


THIS

I pay over $6k a year in premiums, and my deductible is almost $5k. Yet when my oldest had her appendix burst in 2010, followed by months in hospital for subsequent infections, the total tab was close to $250k (everything from the initial ER visit to the home health care for the IV antibiotics). I can't even imagine what that same incident would have cost today (probably closer to $300-325k). If you're genuinely going to "self insure" in this country, you need to have about $1M cash on hand, because a serious auto accident, cancer, or a long-term disability can easily cost that much. Probably more.
 
5 days ago  
Fines will be over $400 this year.
Say goodbye to your tax refund
 
5 days ago  

Tor_Eckman: Wait - do you make $1 more than the limit for subsidies?  This is starting to sound mighty familiar.


There's no need to go that route and I have no reason to doubt his story.
The question I -would- ask is "did you have insurance before ACA?"
 
5 days ago  

rikdanger: Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.

I'm in a similar situation.


as am I.   last year I had an er visit, multiple doctor followups, and cataract surgery...still didn't meet my deductible.
 
5 days ago  

colon_pow: Fines will be over $400 this year.
Say goodbye to your tax refund


Or you could do the smart thing and get yourself insured.  Even you aren't stupid enough to not have medical insurance.  Right?
 
5 days ago  

vpb: So if you are single, making $50,000 and can't afford $300/mo to keep yourself alive then you are doing a terrible job of managing your money.


Suppose income is exactly 50k. after taxes it's more like 35k. 300 a month is 10% of your takehome pay. That's an awful lot of money. And 50k is not much at all, although some of that depends on where you live and what other costs you have.

Let's be honest, the ACA is a bandaid. We should have single payer healthcare. But it's still better than the alternative, what we had prior.
 
5 days ago  
so go buy insurance off exchange.  you don't have to buy from exchanges if you think they suck so bad.
 
5 days ago  

Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible.


You're paying $545 a month just for yourself? I'm assuming that's not a "bronze package."
 
5 days ago  
Obamacare could have easily been improved, instead it was used as a political beanbag.

I might also mention that it was a Republican idea to begin with, so small surprise it's not the greatest.
 
5 days ago  

Bugerz: Tor_Eckman: Willy Wacker: mrshowrules: Willy Wacker: mrshowrules: 29% don't like their insurance policies from the Exchange?

A) doesn't that mean the vast majority (71%) like their policies
B) 100% like their policies enough through the Exchange to not purchase policies outside the Exchange?

Not every state is on the exchange

So?  Isn't the article only referring to people who have insurance through an Exchange (in one of those States)..

Yes. But at my current income I fall just outside of any subsidies so it really is not a factor

Wait - do you make $1 more than the limit for subsidies?  This is starting to sound mighty familiar.

Probably lives in Missouri Mississippi too.

 
5 days ago  

bdub77: vpb: So if you are single, making $50,000 and can't afford $300/mo to keep yourself alive then you are doing a terrible job of managing your money.

Suppose income is exactly 50k. after taxes it's more like 35k. 300 a month is 10% of your takehome pay. That's an awful lot of money. And 50k is not much at all, although some of that depends on where you live and what other costs you have.

Let's be honest, the ACA is a bandaid. We should have single payer healthcare. But it's still better than the alternative, what we had prior.


but, if we go to single payer, the pharmaceutical industry won't make hundreds of billions, and the ambulance chasing lawyers will probably be looking at new malpractice legislation, long overdue, which won't help the scum-sucking lawyers.

to say nothing of the commercials on television which start," have you ever taken drug x?  if so, you might be entitled to financial compensation...contact the law offices of i'msueingeveryoneicanbecause...money.

/assholes
 
5 days ago  

The Bestest: Tor_Eckman: Wait - do you make $1 more than the limit for subsidies?  This is starting to sound mighty familiar.

There's no need to go that route and I have no reason to doubt his story.
The question I -would- ask is "did you have insurance before ACA?"


Yes. Lost it due to changing jobs. I'm not anti insurance. They need to control the costs
 
5 days ago  

Willy Wacker: . It all boils down to paying for insurance and still having to pay for your own health care.


Congratulations!   You've just discovered the "replace" part of repeal and replace.
 
5 days ago  

Tor_Eckman: colon_pow: Fines will be over $400 this year.
Say goodbye to your tax refund

Or you could do the smart thing and get yourself insured.  Even you aren't stupid enough to not have medical insurance.  Right?


He voted for Trump.
 
5 days ago  

Willy Wacker: vpb: Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.

No you couldn't.   A hospital stay can easily run over $100,000 for a major injury or illness.  If you can't afford 7,000 a year then there is no way you could finance that.  You would have to make about $50,000/yr if you would be eligible for subsidies.

So if you are single, making $50,000 and can't afford $300/mo to keep yourself alive then you are doing a terrible job of managing your money.

Not single. Its over $500 a month. I also  have other bills. Mortgage/ home owners ins. car payments. I do not live a rich lifestyle. Insurance is approx. 75% of mortgage payment. That is not acceptable


Not acceptable at all. Having your ass covered and a roof over your head for 1/3 of your monthly income. At that rate you could easily have a car payment, cell phone payment, and utilities, and still take home 2 g's a month.

If that's not acceptable to you then get some more farkin skills.
 
5 days ago  
We have to repeal it too see what's in it.
 
5 days ago  

capn' fun: vpb: Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.

No you couldn't.   A hospital stay can easily run over $100,000 for a major injury or illness.  If you can't afford 7,000 a year then there is no way you could finance that.  You would have to make about $50,000/yr if you would be eligible for subsidies.

So if you are single, making $50,000 and can't afford $300/mo to keep yourself alive then you are doing a terrible job of managing your money.

THIS

I pay over $6k a year in premiums, and my deductible is almost $5k. Yet when my oldest had her appendix burst in 2010, followed by months in hospital for subsequent infections, the total tab was close to $250k (everything from the initial ER visit to the home health care for the IV antibiotics). I can't even imagine what that same incident would have cost today (probably closer to $300-325k). If you're genuinely going to "self insure" in this country, you need to have about $1M cash on hand, because a serious auto accident, cancer, or a long-term disability can easily cost that much. Probably more.


I have a similar story with a 25 y/o son who I picked up on my plan (Thanks to ACA/Obamacare) when he was between jobs and no insurance.  Appendix rupture - $80K in bills paid by insurance. A truly Thanks to Obama!
 
5 days ago  
Before the ACA our family had a decent healthcare plan with reasonable rates. After it was passed, the company did away with all the decent plans and forced us into the exchange. Now we get crappy coverage for much more money, but if I think for a second things will go back to they way they were when we were paying a reasonable price, I am just deluding myself.  The ACA took food out our mouths as a family so the rich farkers could eat just that much more steak and we have to live with that. All the sound and fury the Republicans want to make about Obamacare undercuts the fact they are making out like bandits. The reason they can't come up with another plan is that they can't think of one that bends us all over and farks us even more.
 
5 days ago  

WayneKerr: vpb: Willy Wacker: My premiums are $6785 a year with a $6000 deductible. If I could afford that I could be self  insured. Unless I have a major illness I will never meet the deductible. It all boils down to paying for insurance and still having to pay for your own health care. I have been penalized on my taxes since the ACA took effect. I do not owe anything for any medical bills yet am still penalized.
 All of this really does not sound fair to me.

No you couldn't.   A hospital stay can easily run over $100,000 for a major injury or illness.  If you can't afford 7,000 a year then there is no way you could finance that.  You would have to make about $50,000/yr if you would be eligible for subsidies.

So if you are single, making $50,000 and can't afford $300/mo to keep yourself alive then you are doing a terrible job of managing your money.

So you're bad at math, and seem to know everyone's financial and personal situation, and when they're fiscally irresponsible... thanks for being there for Willy.


+1
 
5 days ago  

Scorpitron is reduced to a thin red paste: Obamacare could have easily been improved, instead it was used as a political beanbag.

I might also mention that it was a Republican idea to begin with, so small surprise it's not the greatest.


Yeah, that has been debunked over and over. The affordable care act was written by Democrats and passed strictly on party lines.
 
5 days ago  
I've been paying for health insurance through my employer for almost 40 years.  Between what I pay currently and the fraction that the company subsidizes, the costs and coverages are virtually identical to what the ACA provides.  For all of this time we've been remarkably healthy (knock on wood) and we haven't had any major medical expenses, except for a couple of pregnancies.  I continue to happily buy insurance even though I'm arguably losing money because I'm a responsible person and I want to take care of my family in the event of serious illness or injury.  Medical bankruptcy is not an option, and I don't understand people who think they aren't responsible for their own health care.
 
5 days ago  

Willy Wacker: Tor_Eckman: Willy Wacker: mrshowrules: Willy Wacker: mrshowrules: 29% don't like their insurance policies from the Exchange?

A) doesn't that mean the vast majority (71%) like their policies
B) 100% like their policies enough through the Exchange to not purchase policies outside the Exchange?

Not every state is on the exchange

So?  Isn't the article only referring to people who have insurance through an Exchange (in one of those States)..

Yes. But at my current income I fall just outside of any subsidies so it really is not a factor

Wait - do you make $1 more than the limit for subsidies?  This is starting to sound mighty familiar.

I'm not sure of the exact amount, but it isn't much


So you're back to shiatposting after losing in the playoffs?
 
5 days ago  

soupbone: We have to repeal it too see what's in it.


*to
 
5 days ago  

bdub77: vpb: So if you are single, making $50,000 and can't afford $300/mo to keep yourself alive then you are doing a terrible job of managing your money.

Suppose income is exactly 50k. after taxes it's more like 35k. 300 a month is 10% of your takehome pay. That's an awful lot of money.


If you think $300 a month for health insurance is a lot of money, I'm not sure what to tell you. That's a pretty reasonable rate. I'm paying $1,300 a month for a family of four. Also, health care costs may be tax deductible. The IRS lets you deduct medical costs on your tax return as long as they are more than 10% of your adjusted gross income.
 
5 days ago  

Rapmaster2000: Focus groups show that the people who hate Obamacare want coverage for pre-existing conditions along with more coverage and lower out-of-pocket costs.

And they expect that the Republican Congress will give that to them.


And they don't want it to be mandatory.

And they'd like a tax cut.

And they'd like a pony.
 
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