https://fb.watch/EPm6kmUn3N/?
Hold them all accountable.
38 replies (most recent on top)
@rd ok reject. There is ACA and private off-marketplace plans. Educate yourself
@rd There are a few individual plans outside of the ACA, like short term plans or faith-based plans, but they are total junk plans that aren’t actually real insurance. So I would agree with your overall point. The ACA is essentially the individual market for actual insurance.
@qb The ACA is the open market, genius. For someone who is <65 and isn’t on an employer sponsored plan or Medicaid, what are the other options?
ACA in and of itself is not a subsidy. You are subsidized with credits towards your premiums only if you meet the income requirements (under 400% FPL). ACA affords other protections, most importantly you cannot be denied insurance based on existing conditions. My twenty something daughter is getting a big credit and subsidy based on her very low income, making it VERY affordable. However if she were to make more money and lose the credits, it would be about three to four times higher a month for her premiums. Her age will naturally make the premiums cheaper than someone my age.
I have actually found I can get plans on the open market cheaper, but I'm not willing to lose the protections ACA affords for pre-existing conditions. Be careful when choosing open market plans.
I had priced out a silver plan for a family of four and without subsidy on the ACA, it would run us $3400/month. Now that my oldest daughter is on her own for insurance, it drops to 2900/month for the 3 of us.
@gw
Where are medical advancements coming from? Belgium? Anywhere in Europe?
Not so much.
The US commercial insurance member pays the R&D tab for the entire world.
@my it is a handout. What are people missing? They can chose to take the ACA or go out on the open market. They chose the subsidy
@nc what’s the matter cupcake? You don’t think there are people taking advantage of subsidized healthcare? Quit watching CNN. You do know Obamacare goes off of income right? So if a millionaire doesn’t have job but lives off interest on investments he/she qualifies for subsidized healthcare? I know this for a fact because my neighbor and one of our friends got subsidized healthcare. Both millionaires. But you knew that right, being the healthcare genius you are.
@jj someone working for a health insurance company who should understand costs calling Americans parasites...you're a reprobate.
@md So you’re saying they pay the full price with no subsidies? That still proves that other guy’s point. Definitely not a handout.
@jv they pay the full cost of the plan, not 51k. For silver it would be around 2k a month for family of four with 600k income.
@jj Uh, what? During the enhanced subsides the income subsidy cliff that used to cap subsidies at 400% of FPL went away. Instead premiums were capped at 8.5% of income for eligible enrollees, regardless of income level. That means a capped premium of $51,000 for someone making $600,00. You think that’s a “handout?”
@gw Good for you. You’re paying for it anyway through social security and individual contributions. Again, the majority of the parasites live off the ones that can contribute. No thanks. That is why Obamacare is a disaster. The extended subsidies covered people that were making 600k a year that could clearly afford their insurance but took the handout. How about this? Tort reform to keep parasitic lawyers away, reduce malpractice insurance cost, bring dr-g prices down, and quit going to the doctor or emergency room for every cough or broken toenail.
@ga I have a better idea. Why don’t you just move to a country that has socialized healthcare?
@gk I work for Cigna in Belgium and our health care system is very superior to U.S. system. No one worries about medical costs or becomes homeless from medical debt and services are very good overall. I would not ever trade it for U.S. system. Please do not speak about a topic if you are not educated about it.
@ga Move to one of those countries that have it. See how you like it.
Just googled “how universal healthcare works”
Here is the answer. Just don’t get why it isn’t working in USA.
Universal healthcare (or Universal Health Coverage - UHC) ensures all residents have access to necessary medical services—prevention, treatment, and rehabilitation—without experiencing financial hardship. It is primarily funded through taxes, mandatory social insurance premiums, or a combination, aiming to cover everyone regardless of income or pre-existing conditions.
Key Models of Universal Healthcare:
Single-Payer (National Health Insurance): The government acts as the single payer, funding care through taxes, but providers may be private (e.g., Canada, Taiwan) or public (e.g., UK's NHS).
Social Health Insurance (Bismarck Model): Mandatory, non-profit, typically employer-employee funded "sickness funds" provide coverage (e.g., Germany, France).
Mixed Systems (Beveridge Model): The government both funds and provides healthcare, using tax revenue to fund public hospitals and clinics.
How It Works in Practice:
Access for All: Coverage is guaranteed to all legal residents.
Funding Mechanisms: Funded via general taxation or compulsory contributions from individuals and employers.
Reduced Financial Barriers: Patients often pay little or nothing at the point of service.
Comprehensive Services: Covers a range of services from primary care to specialized, long-term care.
Common in many nations like Australia, France, and Japan, these systems prioritize equity in health outcomes.
@ef It su-ks that the people like ourselves who work pay for everyone else. We subsidize their healthcare with our insurance payments and lifestyle for many with our taxes.
@dv Are you on dr-gs? Ask Canada and Europe how universal healthcare works. Should be easy for you to do since a large portion of them come here for healthcare.
@dv uh, no.
@e8 and let’s not mention tha Cigna coverage for employees is some of the worst. ACA is a joke. The insurance companies chase dx codes not bc they care about chronic conditions of their members it is so the can be profitable. The sicker the patient under ACA the higher the pay to the insurance companies.
@e1 True. That’s because ACA charges mid-high income people more premiums to subsidize lower income people. The same policies apply to commercial insurance. Your Insurance premiums are not only based on the health plan you choose, also based on your salary.
Ok…the covid shutdown period has been over for years.
Insurance premiums went up at the inception of the ACA.
In my almost 2 decades of working for Payers (they the Lord I finally left) not one time did I ever see a premium go down. Yet the staff and executives always got a bonus. I personally pray we get universal healthcare.
ACA was a failure from the beginning
@bp The enhanced ACA subsidies were implemented to help people during the height of COVID. To pass these enhancements without Republican support, Democrats utilized the budget reconciliation process. This requires that the legislation doesn’t increase the federal deficit outside of a specific time period, forcing them to have an expiration date. It’s not like the Democrats chose for them to have an expiration date. As they were about to expire at the end of 2025 Republicans refused to extend them, causing premiums to skyrocket.
I don’t like either party but please educate yourself on the facts.
Efficiency is what you think of when pondering the VA?😂
You do realize that dems set these subsidies to expire, right?
@bg I also know someone people like that. It’s not a bad option. The healthcare system has been too much inflated. Seeing doctor for 5 minutes costs $500+, any procedure can easily cost thousands. People and employers are ripped off. Healthcare organizations should be nonprofit entities, they should not work for their shareholders, instead they should only work for the patients who paying them for their services!
@b2 yup my brother has that plan. Actually pays zero only thing it covers is catastrophic event. Everything else he has to pay cash which actually is about 15 to 25 percent of what you pay for your deductibles and copays. I tell you what it does he never goes unless he really needs it.
What happened to the fake extensions republicans Congress passed a few weeks ago don’t here a word about it now. Its a con job like everything else. Just so at midterms they can say see I voted to extend it but after that was out of my hands.
@az You do know this person has to have VERY low (like poverty level) income to be paying $89/month for individual coverage with the enhanced so subsidies, right?
Also they undoubtedly had one of the cheapest bronze plans for that price, which means a deductible around $9,000 with 50% coinsurance. So a horribly sh*tty plan. Still jealous of this person?
And, by the way, the poster below said that person is now has to pay more than $600 for the same crapppy plan. What a deal!!
@a8 Name one thing in a2’s post that is incorrect. I’ll wait.
How can someone work in this industry and not understand what is happening with the subsidies?? I think we know who is blindly just swallowing fake talking points.
@a2 Your neighbor was only paying $89/month in premiums??? That’s better than 90% of any employer plan and Medicare…and you subsidized that by probably paying $500+ per month with a HD. The same committee members questioning the CEOs are the same members that have investments in PBMs and get CignaPAC money.
@af This statement defies comprehension: "We all know it would be more efficient for the infrastructure to be government run and owned like the VA."
@a2 I agree that the Republicans want to deflect, but I am ashamed to work in this industry at this point. We all know it would be more efficient for the infrastructure to be government run and owned like the VA. Every single day we work to line the pockets of the wealthy at the direct expense of our fellow American workers and citizens. And yes, I know we are not individually responsible, we all need jobs and all, but we have an unsustainable system that is ki-ling us.
@a2 Wow. Do some research rather than repeating what CNN says.