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Employees face higher deductables and out of pocket costs

Posted: Jan 5, 2014

This is an MNSBC video so therefore should be approved by posters here to be able to post here.

We tried to tell them, but noooooo, don't want to hear it. shhhhhhh it's the truth, just don't say anything.

http://www.youtube.com/watch?v=45o-s1Oh3zs#t=144

;

Wake up call - sm

[ In Reply To ..]
Understanding the insurance issue is not as simple as pasting a link to a youtube video, but here goes.

Cheap insurance = high deductible.
Low deductible = higher cost premium

Most people who have their insurance through an employer have no idea how much the insurance is costing the employer. The employer was buying "cheap" (aka noncompliant insurance for approximately $200/month.) He is now shifting this $200 per month to employee.

First of all, I do not feel sorry for people who are making too much to qualify for a subsidy.

Second, I wish my employer would give me the extra cash so I could go buy a policy that fit my personal situation.

Basically, this is the argument for single payer, universal coverage. Too bad this video blip did not cover that.

huh???? - Makes no sense

[ In Reply To ..]
I posted a video that was on MSNBC. So should they have first spent three months explaining "the insurance issue" before airing their story?

For people who acted all concerned that people get insurance they seem to care nothing about people who lost or cannot afford insurance.

Unlike you, I do have compassion for people who cannot qualify for a subsidy. Some of these people are not making enough money to survive. You seem to think that people who can't qualify for a subsidy are sitting with wads of cash up their you know whats. That is not just true.

You think it's okay for some people to have their deductables go from 1125 to 3000 or out of pocket costs to go from 2250 to 6350 or for family's the number to double and they have to pay 12,700 before insurance will pay anything. These are family's who are struggling. Now their kids will suffer all because someone wants payback because they make more money than others. I have relatives who were making more money than I do, but because of the area of the country they live in their housing was double what I pay, they have 2 kids (cost of school, dentists, and everything else that costs with having a child). They also took care of their mentally challenged brother and their mother (who couldn't afford to live on her own anymore). Now they face hardships that they never imagined. What your statement tells me is that you have something against people who make more money than you do. Maybe you don't think people should make anything of their lives and they should all be making the same amount of money no matter what their profession. The lady interviewed (an accountant) said she doesn't even make that much money to begin with. So you think its fair that she should get penalized because she makes more than a janitor or even an MT? She said the prescriptions are going to kill her. Don't you even care that some people are going to end up going bankrupt because of this? I don't know, maybe you think they deserve to go bankrupt or are going to be facing extreme financial hardships. All so they can pay more money for health care that is going to go into the pockets of execs with the insurance companies.

Did you even hear what the guy said regarding the employer giving the cash. It still is not enough. Many people there (and all over the country) people feel the same thing....they are paying too much money to help others get insurance. So families in our country go hungry and have to rely on food banks, lose their homes, not provide their kids with what they need like basic necessities of clothes, a good education or anything, just so they have to pay more money so other people they don't know can health insurance (and some for free)? At the end the guy talking was correct. "There is nothing wrong with trying to help people. But there is a better way. This isn't the way" (neither is single payer universal coverage - which would end up being worse).

November can't come soon enough.

Your example, famiy of 6 can make $126,000 - and get subsidy

[ In Reply To ..]
So, no, I do not feel sorry for a family making more than $126,000 a year who has to pay a regular rate. Yes, I do know about how people went bankrupt when they were cut off from their insurance when they got sick. My parents were one family, and my sister's family was another. Now that insurance companies cannot cancel you because you have cancer or heart disease, or charge you exorbitant rates will make a difference in millions of lives.

I agree. I don't feel sorry for them, either. - nm

[ In Reply To ..]
nm

You clearly do not know what it takes to raise a family - Makes no sense

[ In Reply To ..]
Okay, your example, family of 6 making 126. Lets take someone living in San Francisco as an example.

That is 10K a month.
After taxes (state not included) 8231.
After state taxes 7255

Expenses:

1. Housing (lets just go with a 3 bedroom apartment (each kid has to share a room, nothing fancy) cost is around $2800 (and that's a low price)

2. Utilities - can be up around 500 at times, in the winter even higher.

3. Food - that is on an ever rising basis, but low cost - Family of 6 depending on the age/gender can spend around $800 (many boys eat a lot, especially as they get older). Food costs are on the rise.

4. Schooling - Depends on the type of school and location can be up to 5K a year per child. Thats 416/mo x 4 kids = 1664.

Then there is the other costs (clothing, braces, haircuts, activities, etc).

5. Gas - depending on how far you live from where you work. We worked 1/2 from where we lived. We would spend sometimes $400 a month.

6. Car payment - if you have a car payment that can run close to 400 (give or take (our car payment used to be 360 for a Ford (nothing extravagant and it only would seat 4 people).

7. Car insurance - roughly around 150.

So far just those few things cost $6714. That leaves about $541.

What if the family has a personal loan (they needed to take it out because of all the taxes the democrats keep enforcing and they never made enough money to pay the high taxes, or if they had a school loan, emergency or whatever).

Then there are all the incidentals you have that can come up (car repair, eye appointments what if all 6 people wear glasses), braces or extensive dental work needs to be done (worst scenario braces for all 4 kids), haircuts, and occasional video to watch on the weekend or a book to read. Haven't even discussed the school activities and those costs, or maybe this family has other family members that depend on them. Mom can't afford to live alone anymore and comes to live with them, they have to upgrade their house to get another bedroom, increase in food budget, water bill, gas bill, everything. That $541 is gone AND on top of that we haven't even taken out any money for health insurance. So now this family is in debt, has no money, lives a pretty sedentary and cheap life because they can't afford to do anything (been there done that always under democrats), but now they are not deserving of a subsidy (you know, like the same ones that the politicians making over $200K get).

If there is a law the law has to be the same for everyone. If some people get a subsidy then everyone should get a subsidy. You can't say well one group has to follow the law, but this group over there doesn't have to follow the law and everything will be provided for them free. Gee, sorry Johnny or Suzie, I know your feet are growing and your toes are cramping up because your shoes are too small, but I can't afford to buy you any more shoes because I have to give more of my money away to people I don't know, who are not working so they can have better health coverage than we even get.

My point is every case is different. Just because someone makes 100K a year unless you know all their personal information you can't sit and judge them, nor should you be.

$60.50 an hour, cry me a river - Minimum wage MT

[ In Reply To ..]
I guess your example is a pretty good reason to raise the minimum wage, huh?

Might I suggest you cut your own hair, go to the food bank, Salvation Army, public schools, ride the bus or walk, get a tent. There are a lot of suggestions on the Gab Board on how to exist on next to nothing.

It is disgusting that the large corporations are using government tax payer money to finance their exorbitant profits by relying on the government to provide for their employees.

That all you see is a dollar figure. Doesn't matter cos - the expensese are still there

[ In Reply To ..]
Sure I'd love to make that money, but if they have a family of six and are renting an apartment in San Franciso, New York or a lot of those places. If they have student loans because if they are making that much money they most likely have a very good education, but the bills still remain the same. They are left with no money to pay health care.

Oh wait, I guess because they make that much money they are not deserving of health care like the others who don't make that much money.

Get a grip!

That is sad - NK

[ In Reply To ..]
Only $541 left after expenses. Perhaps they need budget advice from people who survive on not much more than that each month.

What about those of us that don't WANT to have a subsidy? - sm message

[ In Reply To ..]
We have always been responsible and self-sufficient; we don't like to take from the government as we had been able to provide for our own selves. We wanted to leave it for those who could not.

Also, just who do ya'll think are paying the subsidies? Yep - all of us.

OBAMACARE TAX HIKES - ProMT

[ In Reply To ..]
Millions Of Americans Face Obamacare Tax Hikes: The money to pay for Obamacare’s healthcare overhaul, which will be in excess of $1 trillion and probably upwards of $2.5 trillion from 2014 to 2023, has to come from somewhere. In the New Year, Americans will find that “somewhere” is their wallets.

Do a search of all of the future tax hikes. This out-of-control trainwreck needs to be taken down.

November can't come soon enough - I know about the tax hikes

[ In Reply To ..]
It's disgusting. It's got to stop and the only way is for the dems to lose seats.

November can't come soon enough.

The problem with November - NK

[ In Reply To ..]
is that Mr. Obama will still be President. If, by some miracle the Republicans take the senate, do you really think he's going to sign any bills that do anything to weaken his signature bill?

And how did the statewide election in November 2013 work out in Virginia for the Republicans?

November will be a TP sideshow. Can't wait myself The cannibalism - continues NM

[ In Reply To ..]
x

These taxes only affect the rich. The rich - sm

[ In Reply To ..]
don't care about me, so I don't care about them. In fact, I'm glad to see it.

Can u say "redistribution of wealth"? - nm

[ In Reply To ..]
nm

No they don't. These taxes affect us all (middle income). Unless you are so - poor you are not making anything

[ In Reply To ..]
And then I can see why you want other people's money they work hard for.

THE HIDDEN OBAMACARE TAXES THAT WILL HIT THE MIDDLE CLASS IN 2014
11-30-2013 12:21 am - Staff Report - Morning Money

Get ready to be blindsided by a barrage of new taxes. $1 trillion worth...They'll be coming courtesy of the Affordable Care Act, otherwise known as Obamacare.

And they won't just be affecting those who make over $250,000. The bulk of these taxes will be passed on directly to the middle class. That's because while a majority of these "stealth taxes" were designed to be taxes on businesses, they're actually transferred directly to ordinary citizens.

They include the investment income surtax, a Medicare payroll tax, even a "tanning tax" on those who utilize indoor tanning services.
"Many of those [hidden] taxes, especially those on hospitals, insurers and medical device manufacturers, will ultimately be passed on through higher health costs," said Michael Tanner an expert on the healthcare law.

In fact, analysts estimate Obamacare will cost the average taxpayer nearly $6,000 in extra taxes as early as next year.

Many of the Obamacare taxes are already in effect, others will hit January 1. But they are already infuriating millions of Americans."

According to most experts, Obamacare will create a total of twenty new taxes or tax hikes on the American people. In fact, the Obama administration has already given the IRS an extra $500 million to enforce the rules and regulations of Obamacare.

The new taxes don't bode well for millions of middle-class Americans. Incomes for the rich have soared this decade but middle class workers have seen their wages stagnate and even drop since the 2008 Great Recession.

Many fear Obamacare with its high insurance costs and new taxes, could provide the middle class a fatal blow.

The book, written in an easy going, easy to read style, shows some startling facts about Obamacare not seen in the mainstream press.

For example, she points to a little known passage in the bill that shows how you could get slapped with a $2,000 fine for not having health insurance - even if you do actually have it.

She also goes into detail explaining how a third of all U.S. employers could stop offering health insurance to their workers.

In one chapter, she shows how ordinary Americans will get stuck paying for substance abuse coverage - even if they never touched a drink or drug in their life.

Etc.

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