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Totally false. I've been on ACA silver plans and all expense paid corporate plans. At the end of the day the true costs are pretty equivalent - $20K for a famil

Totally false. I've been on ACA silver plans and all expense paid corporate plans. At the end of the day the true costs are pretty equivalent - $20K for a family of 4 per year in cash going to insurance/healthcare. With ACA, that is subsidized massively downward for lower incomes. And the employee pays some. And if you are truly poor (in most states) you get free medicaid plans.

nobody9999 2y ago
>And if you are truly poor (in most states) you get free medicaid plans. The quality of care for Medicaid patients is generally crap. Go and ask your doctor if they accept Medicaid patients, or even those on ACA plans. I'd wager the answer is a big 'no'. The differences in quality of care and levels of access are stark, with most Employer subsidized insurance >> ACA plans >> Medicare >> Medicaid.
- meetingthrower 2y ago
  Again, 100% false on ACA. (I would agree that medicaid is a PIA, but it's free!) The ACA plans are run by the same carriers as employer plans in my state. Blue Cross, Harvard Pilgrim, etc. Networks are exactly the same. Price is equivalent. If you are paying less through your employer it is because employer is paying insurance company or self insuring instead of paying you the cash. For many industries, especially blue collar, it would actually be much better for employees to do ACA plans as they would pay much less for their healthcare post subsidies. The ACA has been such a boon for small businesses and entrepreneurs - before ACA you basically couldn't get insurance. Now it is actually a non issue.
  - nobody9999 2y ago
    >Again, 100% false on ACA. (I would agree that medicaid is a PIA, but it's free!) The ACA plans are run by the same carriers as employer plans in my state. Blue Cross, Harvard Pilgrim, etc. Networks are exactly the same. Price is equivalent. If you are paying less through your employer it is because employer is paying insurance company or self insuring instead of paying you the cash. Sorry for the late reply. That may be true in your state[0], but in mine all the insurers that have employer plans (although providers made sure to ask whether your plan was ACA or not -- "we don't accept ACA plans!" before then) have left the ACA marketplace. I admit that they did try to raise premiums 20-30% a year before quitting the marketplace -- I declined to pay that much more, although premiums have risen that much and more with the insurers still on the ACA marketplace. So, while there may be places where the ACA provides decent coverage at a reasonable rate, there are other places (sadly, like where I live) that it does not. On the whole, I'm glad the ACA exists, as it provides insurance to many who could never have afforded it in the past. That said, it's far from what we really need -- a single payer system like Medicare, but for everyone. [0] I live in New York.

nobody9999 2y ago

>And if you are truly poor (in most states) you get free medicaid plans. The quality of care for Medicaid patients is generally crap. Go and ask your doctor if they accept Medicaid patients, or even those on ACA plans. I'd wager the answer is a big 'no'. The differences in quality of care and levels of access are stark, with most Employer subsidized insurance >> ACA plans >> Medicare >> Medicaid.

meetingthrower 2y ago
Again, 100% false on ACA. (I would agree that medicaid is a PIA, but it's free!) The ACA plans are run by the same carriers as employer plans in my state. Blue Cross, Harvard Pilgrim, etc. Networks are exactly the same. Price is equivalent. If you are paying less through your employer it is because employer is paying insurance company or self insuring instead of paying you the cash. For many industries, especially blue collar, it would actually be much better for employees to do ACA plans as they would pay much less for their healthcare post subsidies. The ACA has been such a boon for small businesses and entrepreneurs - before ACA you basically couldn't get insurance. Now it is actually a non issue.
- nobody9999 2y ago
  >Again, 100% false on ACA. (I would agree that medicaid is a PIA, but it's free!) The ACA plans are run by the same carriers as employer plans in my state. Blue Cross, Harvard Pilgrim, etc. Networks are exactly the same. Price is equivalent. If you are paying less through your employer it is because employer is paying insurance company or self insuring instead of paying you the cash. Sorry for the late reply. That may be true in your state[0], but in mine all the insurers that have employer plans (although providers made sure to ask whether your plan was ACA or not -- "we don't accept ACA plans!" before then) have left the ACA marketplace. I admit that they did try to raise premiums 20-30% a year before quitting the marketplace -- I declined to pay that much more, although premiums have risen that much and more with the insurers still on the ACA marketplace. So, while there may be places where the ACA provides decent coverage at a reasonable rate, there are other places (sadly, like where I live) that it does not. On the whole, I'm glad the ACA exists, as it provides insurance to many who could never have afforded it in the past. That said, it's far from what we really need -- a single payer system like Medicare, but for everyone. [0] I live in New York.