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There's a point below which you can't afford any kind of even subsidized insurance. Not if you want to keep paying rent, buy food, car insurance to keep going t

by oAlbe 9y ago

There's a point below which you can't afford any kind of even subsidized insurance. Not if you want to keep paying rent, buy food, car insurance to keep going to work, phone bill, electric bill and so on. Whereas in the part of Europe where I live, the less you have the less healthcare costs you. EDIT: The less it costs for the same quality.

wil421 9y ago
I'm not really sure where you get your information. Anyone can get Heath insurance from the healthcare.gov marketplace. Your salary requirements factor into the price. Someone making only 17k a year is capped at $54 a month premium. There are caps at certain salary intervals. > Whereas in the part of Europe where I live, the less you have the less healthcare costs you. 100% true for the US as well. Please don't listen to news or internet comments. Verify the facts!
- unclepresent 9y ago
  If you are not getting subsidized because of income, you have to pay for everyone else who is subsidized. I was buying plans from health care exchange for 2 years and my last plan for two (parent and child) cost me 500$ per month with 6500 deductible per person - 13000$ total. So effectively I had only a catastrophic insurance but was forced to pay for some subsidized guys who had a platinum plan with no deductible for 54$ per month. Worst situation for people like me!
kobeya 9y ago
Before that point you qualify for free insurance through one of many government welfare programs. Learn about the system before you criticize it.
- dragonwriter 9y ago
  That's actually not true in any of the states that didn't sign on to the ACA Medicaid expansion, which, yes, was designed so that between exchange subsidies and Medicaid eligibility there would be affordable subsidized or government provided coverage across the whole spectrum where people didn't have employer coverage or the ability to afford unsubsidized coverage.
  - kobeya 9y ago
    It's also not true of extremely high cost of living areas such as NYC or the bay area where you're living beyond your means long before you qualify for government programs based on poverty levels that are calculated averaged across the nation. The system has warts. There are good reasons to criticize it. But saying we leave the poor dying in the streets because, well, fuck 'em they're poor, is both untrue and insulting.
    - dragonwriter 9y ago
      > But saying we leave the poor dying in the streets because, well, fuck 'em they're poor, is both untrue and insulting. Well, except that it's exactly true that that’s why the “warts” that you acknowledge which do, in fact, deny swaths of the poor access to care are tolerated.

by oAlbe 9y ago

wil421 9y ago

I'm not really sure where you get your information. Anyone can get Heath insurance from the healthcare.gov marketplace. Your salary requirements factor into the price. Someone making only 17k a year is capped at $54 a month premium. There are caps at certain salary intervals. > Whereas in the part of Europe where I live, the less you have the less healthcare costs you. 100% true for the US as well. Please don't listen to news or internet comments. Verify the facts!

unclepresent 9y ago
If you are not getting subsidized because of income, you have to pay for everyone else who is subsidized. I was buying plans from health care exchange for 2 years and my last plan for two (parent and child) cost me 500$ per month with 6500 deductible per person - 13000$ total. So effectively I had only a catastrophic insurance but was forced to pay for some subsidized guys who had a platinum plan with no deductible for 54$ per month. Worst situation for people like me!

kobeya 9y ago

Before that point you qualify for free insurance through one of many government welfare programs. Learn about the system before you criticize it.

dragonwriter 9y ago
That's actually not true in any of the states that didn't sign on to the ACA Medicaid expansion, which, yes, was designed so that between exchange subsidies and Medicaid eligibility there would be affordable subsidized or government provided coverage across the whole spectrum where people didn't have employer coverage or the ability to afford unsubsidized coverage.
- kobeya 9y ago
  It's also not true of extremely high cost of living areas such as NYC or the bay area where you're living beyond your means long before you qualify for government programs based on poverty levels that are calculated averaged across the nation. The system has warts. There are good reasons to criticize it. But saying we leave the poor dying in the streets because, well, fuck 'em they're poor, is both untrue and insulting.
  - dragonwriter 9y ago
    > But saying we leave the poor dying in the streets because, well, fuck 'em they're poor, is both untrue and insulting. Well, except that it's exactly true that that’s why the “warts” that you acknowledge which do, in fact, deny swaths of the poor access to care are tolerated.