4 ms·
> The ACA is working great for people that make so little they get subsidies. Not everyone. In NC alone, there are 377,000 people who make too little to qualif
by BrandonM 10y ago
> The ACA is working great for people that make so little they get subsidies.
Not everyone. In NC alone, there are 377,000 people who make too little to qualify for ACA subsidies yet are not covered by Medicaid. That's a lot of people, and that's just one state. There are 19 other states that also don't have expanded Medicaid.
http://www.hhs.gov/healthcare/facts-and-features/state-by-state/how-aca-is-working-for-north-carolina/index.html http://www.hhs.gov/healthcare/facts-and-features/state-by-st...
Even with subsidized ACA, the Bronze plans are pretty shit. Average family deductibles in 2017 will be $12,393, with the average monthly premium for a 40-year-old costing $350. Other than 1 checkup per year and female care, these families get to pay $1,000+ per month in premiums (assuming 2 adults and 2 kids) and another $12,000+ on top of that before their plan does much of anything for them.
http://www.cnbc.com/2016/10/26/obamacare-deductibles-are-on-the-rise-for-2017-along-with-monthly-premiums.html http://www.cnbc.com/2016/10/26/obamacare-deductibles-are-on-...
Even with a subsidy I don't think it makes sense for a lower middle class family to pay $5,000-10,000 for 3-5 checkups, and $20,000+ if they actually need to use that coverage. Yet they'll be hit with a tax penalty if they don't do that.
How is this good?
- intopieces 10y agoNorth Carolia refused Medicaid expansion, which was the other half of the ACA bargain. http://m.indyweek.com/indyweek/pat-mccrorys-refusal-to-expand-medicaid-is-a-moral-failure/Content?oid=4627343 http://m.indyweek.com/indyweek/pat-mccrorys-refusal-to-expan... The tax penalty is rather modest, and there are alternatives to health insurance such as religious health co-ops that control costs.
- deleted 10y ago[deleted]
- projektfu 10y agoThe true subsidies are on silver plans. They subsidize both the premium and the out-of-pocket expenses.