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How will Obamacare affect you? Good site for answers.

Health Care Obamacare 2013

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#1 Spectacles

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Posted 02 August 2013 - 09:32 PM

If you want to know how you will be/are affected by Obamacare, you can plug in your info and get answers here:

https://www.healthcare.gov/families/
"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#2 Spectacles

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Posted 03 August 2013 - 07:45 AM

Bumping this for LoTS.



Quote

Health coverage for you and your family

The Health Insurance Marketplace will help you get coverage that meets your needs and fits your budget. Open enrollment begins October 1, 2013.
Get ready now by answering a few quick questions to learn if you qualify for lower costs.
See Your Options »

Already have insurance?
Find out what the health care law is doing for you.

"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#3 cl05

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Posted 03 August 2013 - 01:36 PM

Thanks for providing that link. I guess the questions will be answered on October 1st when we will see what coverage to apply for.

#4 Spectacles

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Posted 03 August 2013 - 01:54 PM

Glad you found it helpful, cl. Yep, as with all things in life, we don't know for certain how something really works until we do it. And all change is stressful. It just bothers me that there is so much confusion and misinformation and disinformation out there that it's making the stress worse than it needs to be.
"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#5 FnlPrblm

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Posted 03 August 2013 - 03:14 PM

Indeed, I haven't even begun to look yet because it's seemingly a bad medicine we're all going to have to take.  Almost like the car ride home from a long weekend trip or the Saturday/Sunday at the end of Christmas vacation and you have to do tons of homework. :p
"It is an old maxim of mine that when you have excluded the impossible, whatever remains, however improbable, must be the truth." --- Sir Arthur Conan Doyle The Adventures of Sherlock Holmes: The Beryl Coronet

The Boscombe Valley Mystery: "There is nothing more deceptive than an obvious fact."

"Nothing astonishes men so much as common sense and plain dealing." --- Ralph Waldo Emerson 'Art,' 1841

"Such welcome and unwelcome things at once, 'Tis hard to reconcile." --- Macbeth IV.III.138-9


LauraBertram.net

"Once in one's life, for one mortal moment, one must make a grab for immortality; if not, one has not lived." -- Sylvester Stallone

Time to eat all your words, swallow your pride, open your eyes...Sowing the Seeds of Love - Tears4Fears

#6 FnlPrblm

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Posted 03 August 2013 - 04:18 PM

I thank you for the link as it will be useful in the long run, hopefully.

However, I just ran through some of it and it seems pretty string-along-like incomplete.  It'll put you into categories based on your demographics, but then won't tell you any specifics after that unless you sign up and start going down a specific path set in stone.  It continuously sounds more and more like a telemarketer scheme.  (I'm not saying it is [at least any more than any other insurance is].)  I just see a disasterous train wreck ahead.
"It is an old maxim of mine that when you have excluded the impossible, whatever remains, however improbable, must be the truth." --- Sir Arthur Conan Doyle The Adventures of Sherlock Holmes: The Beryl Coronet

The Boscombe Valley Mystery: "There is nothing more deceptive than an obvious fact."

"Nothing astonishes men so much as common sense and plain dealing." --- Ralph Waldo Emerson 'Art,' 1841

"Such welcome and unwelcome things at once, 'Tis hard to reconcile." --- Macbeth IV.III.138-9


LauraBertram.net

"Once in one's life, for one mortal moment, one must make a grab for immortality; if not, one has not lived." -- Sylvester Stallone

Time to eat all your words, swallow your pride, open your eyes...Sowing the Seeds of Love - Tears4Fears

#7 Spectacles

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Posted 03 August 2013 - 05:28 PM

The site is good, however, for helping people see how they will/won't be affected by the Marketplace exchanges that will open soon. Since those exchanges (a menu of participating insurers and plans) are state-based, the site can only tell you whether or not you'll need to sign up for insurance through an exchange when it's up and running Oct 1. As I understand it, some Repubican-led states have opted out of developing state exchanges. According to the PPACA, if states choose not to create their own exchanges, then those residents will shop for insurance through the Marketplace.

The site does let you know what your options may be.

* Got insurance through work? Well, life goes on. But if you like, you can click a link to learn how the PPACA has affected the insurance you do receive: no lifetime limits, kids up to age 26 can stay on parents' policies, no copays for certain preventive screenings like mammograms, etc.

*No insurance? Depending on your income level, you'll either go to Medicaid or to the Marketplace (lists of participating insurers for your state, the plans they offer, coverages and costs).

If you have no insurance through work but make too much to qualify for Medicaid, this site can tell you based on your income how much of a federal subsidy you'll get to help you purchase your insurance. Then you'll know basically what your premium cost will be.

Edited by Spectacles, 03 August 2013 - 05:28 PM.

"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#8 Spectacles

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Posted 03 August 2013 - 05:33 PM

A sort of correction :) : On the site, there is a link to a calculator provided by The Kaiser Family Foundation:

https://www.healthca...alth-insurance/


Quote

Until the Marketplace opens, you can use tools like the Kaiser Family Foundation calculator to get a rough estimate of how much health insurance may cost in 2014.
The Kaiser Family Foundation health insurance cost and savings calculator

The health insurance costs and savings calculator we link to below provides only an estimate. Your final premiums and costs may differ from the estimates, perhaps significantly, depending on where you live and the coverage you select. You’ll learn your final costs for specific plans when you apply in the Health Insurance Marketplace as soon as October 1, 2013.
Before you use the Kaiser Family Foundation calculator, there are a few important things to know:

  • The calculator provides a rough estimate of costs for insurance, based on national averages and factors that may not apply to you. It will give you an idea of what someone with circumstances like yours could pay for Marketplace insurance in 2014.

  • The calculator accounts for some factors that may determine plan costs in the Marketplace: age, family size, and tobacco use. Individual plans will weigh these factors differently to determine final prices.

  • The estimate doesn’t account for differences based on where you live, which will significantly affect Marketplace prices and offerings.

  • The prices are based on a plan in the Silver category. Plans in different categories will likely have higher or lower premiums.

  • You won’t be able to get your exact costs for a specific plan until you fill out a Marketplace application after October 1, 2013. Then you’ll see all of the plans available to you, compare features and prices side-by-side, choose a plan, and enroll. You should expect that your final cost will be different from the rough estimate provided here.
Background on the calculator

The calculator was created by the Kaiser Family Foundation, a non-profit research organization, for use by the general public. The Kaiser Family Foundation is solely responsible for the tool. The Kaiser Family Foundation has no connection with Kaiser Permanente or any health care provider.
The Centers for Medicare & Medicaid Services did not participate in the creation of this calculator. The Centers for Medicare & Medicaid Services does not warrant or guarantee the accuracy of estimates provided by the calculator.
Use the health insurance costs and savings calculator

If you’re ready to see the estimates, visit the Kaiser Family Foundation website and use the Kaiser Family Foundation’s health insurance costs and savings calculator.

"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#9 FnlPrblm

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Posted 04 August 2013 - 09:11 PM

Specs, that calculator is exactly what I was looking for. :)  Thanks.  Just what I wanted, numbers, not words.  Anyone who's ever bought any kind of insurance knows that if you spend more monthly, you'll have to shell out less in the dire times you might actually use it.  The first time I went through the site, that's all I kept reading about (which seemed redundant).  What you linked up here actually gave different health levels (Bronze, Silver, Gold & Platinum [though it sadly doesn't get too much into specifics of course since the markety place isn't open yet]) along with the calculator, is more defining and detailed info one can use.

I do kind of wished they had rebranded the Medicaid name.  Now it sounds like 40+% of the population is headed straight into the poverty category.
"It is an old maxim of mine that when you have excluded the impossible, whatever remains, however improbable, must be the truth." --- Sir Arthur Conan Doyle The Adventures of Sherlock Holmes: The Beryl Coronet

The Boscombe Valley Mystery: "There is nothing more deceptive than an obvious fact."

"Nothing astonishes men so much as common sense and plain dealing." --- Ralph Waldo Emerson 'Art,' 1841

"Such welcome and unwelcome things at once, 'Tis hard to reconcile." --- Macbeth IV.III.138-9


LauraBertram.net

"Once in one's life, for one mortal moment, one must make a grab for immortality; if not, one has not lived." -- Sylvester Stallone

Time to eat all your words, swallow your pride, open your eyes...Sowing the Seeds of Love - Tears4Fears

#10 Spectacles

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Posted 05 August 2013 - 01:22 PM

Quote

FnlPrblm: I do kind of wished they had rebranded the Medicaid name.  Now it sounds like 40+% of the population is headed straight into the poverty category.

No argument from me on that one.

I have never been pleased with Obamacare, largely because it will place a financial burden on many people--all to preserve the status quo of private insurance companies.

There ARE improvements. We can thank the PPACA (Obamacare) for many consumer protections that were not part of insurance plans before: no denials for pre-existing conditions, no "lifetime limits" which enabled insurers to tell cancer patients and others with costly, life-threatening illnesses "oops! Sorry! You've maxxed out your insurance so the rest of your care comes out of your empty pockets. Good luck and thanks for your business all these years!"  And lots of other improvements that we all will benefit from.

And most people have insurance from employers or from Medicaid or Medicare now, so most people are affected by Obamacare mainly in terms of improvements to their own insurance that they may not even be aware of.

BUT I do worry that the private insurance offered through the exchanges for those who are not covered will not be affordable for many folks, not even with subsidies.

If that's the case, then folks can opt to pay the $95 fine--which the gov't says it won't be zealously collecting, so folks can probably do nothing, remain uninsured and continue to hope that a catastrophic illness or accident doesn't ruin the rest of their financial lives.

We should have had single-payer. But that's [thunder]socialism[/thunder]. So we can all at least be grateful that we still live in a country where health insurance companies and the physicians who collude with them continue to prosper.

Edited by Spectacles, 05 August 2013 - 01:23 PM.

"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#11 FarscapeOne

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Posted 05 August 2013 - 01:35 PM

The government NOT be zealous about collecting a fine?  That has got to be the very definition of a joke.

#12 Spectacles

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Posted 05 August 2013 - 01:55 PM

http://money.usnews....nalty-will-work
"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman

#13 Spectacles

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Posted 05 August 2013 - 05:40 PM

I just want to say again that I don't think Obamacare is the answer. There are some good things in it--namely more regulations that protect insurance customers--but there is a REAL problem that we're about to smack into: even with subsidies, many struggling households cannot afford to purchase insurance. When you look at the fine print and start doing the calculations, most people are going to have to take on another bill, and most people are already living paycheck to paycheck.

Insurance for $250 a month sounds like a good deal until you look at the deductable and other out-of-pocket costs. Some folks STILL cannot afford health insurance and pressuring them into buying it won't change that fact.

Here's a good post at Daily Kos regarding this issue:

http://www.dailykos....nsurance-in-NYS

The comments are interesting, too.

All in all, "affordable" means something different to lawmakers and pundits who don't have to live on the crappy wages most Americans scrape by on now.
"Facts are stupid things." -Ronald Reagan at the 1988 Republican National Convention, attempting to quote John Adams, who said, "Facts are stubborn things"

"Although health care enrollment is actually going pretty well at this point, thousands and maybe millions of Americans have failed to sign up for coverage because they believe the false horror stories they keep hearing." -- Paul Krugman



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