ACA tax now required to Breath

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Re: ACA tax now required to Breath

Post  Curt on December 6th 2013, 1:42 pm

supervel45 wrote:
DanH wrote:Curt , wish I was in my low 20's

you don't need this or that , the insurance company will know that when your given the cost of the policy.
like when you get auto insurance , cost by your driven record. Bty the goverment has required me to have auto insurance for many decades

when the gov. say I must buy corn , then I raise live stock, might be cheaper than paying the store for meat

Already said, there will be no differance for the gov. payed artist that draw welfare checks or funding by tax payers f
                                                                                                                                          Not entirely true, on the auto insurance. The insurance companies take into acount all the unisured driver's in your area, not just your driving record. You pay for them, the unisured,  also, when they don't obey the law. Trust me, I live near Houston Tx., and we have one of the highest rates in the country because of it. We were sold the auto ins. BS in Texas as a way of lowering rates, in the early 1980's and all it did was raise them.
ALL insurance is based on "RISK". If you want cheaper insurance, move to College Station. Just 90 miles away and one of the cheapest areas in the USA. If you want cheaper health insurance, join a pool with a bunch of young healthy men.
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Re: ACA tax now required to Breath

Post  supervel45 on December 6th 2013, 1:49 pm

LivermoreDave wrote:Super may I ask if you will edit your last post, it appears my post is included with yours. As th N.P. interview I did watch that interview. Her reaction was normal as to her political position or so it seemed!

Dave.
I edited it. I was trying to quote the last part of your post and it did not workout right. If it is not ok, let me know, and I will re-eddit it. Thanks.

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Re: ACA tax now required to Breath

Post  supervel45 on December 6th 2013, 1:57 pm

Curt wrote:
supervel45 wrote:
DanH wrote:Curt , wish I was in my low 20's

you don't need this or that , the insurance company will know that when your given the cost of the policy.
like when you get auto insurance , cost by your driven record. Bty the goverment has required me to have auto insurance for many decades

when the gov. say I must buy corn , then I raise live stock, might be cheaper than paying the store for meat

Already said, there will be no differance for the gov. payed artist that draw welfare checks or funding by tax payers f
                                                                                                                                          Not entirely true, on the auto insurance. The insurance companies take into acount all the unisured driver's in your area, not just your driving record. You pay for them, the unisured,  also, when they don't obey the law. Trust me, I live near Houston Tx., and we have one of the highest rates in the country because of it. We were sold the auto ins. BS in Texas as a way of lowering rates, in the early 1980's and all it did was raise them.
ALL insurance is based on "RISK". If you want cheaper insurance, move to College Station. Just 90 miles away and one of the cheapest areas in the USA. If you want cheaper health insurance, join a pool with a bunch of young healthy men.
Bingo I still have this choice at the current time. Hope my heath care insurance stays this way also?Question Suspect 

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Re: ACA tax now required to Breath

Post  kim on December 6th 2013, 9:01 pm

supervel45 wrote:
Curt wrote:
supervel45 wrote:
DanH wrote:Curt , wish I was in my low 20's

you don't need this or that , the insurance company will know that when your given the cost of the policy.
like when you get auto insurance , cost by your driven record. Bty the goverment has required me to have auto insurance for many decades

when the gov. say I must buy corn , then I raise live stock, might be cheaper than paying the store for meat

Already said, there will be no differance for the gov. payed artist that draw welfare checks or funding by tax payers f
                                                                                                                                          Not entirely true, on the auto insurance. The insurance companies take into acount all the unisured driver's in your area, not just your driving record. You pay for them, the unisured,  also, when they don't obey the law. Trust me, I live near Houston Tx., and we have one of the highest rates in the country because of it. We were sold the auto ins. BS in Texas as a way of lowering rates, in the early 1980's and all it did was raise them.
ALL insurance is based on "RISK". If you want cheaper insurance, move to College Station. Just 90 miles away and one of the cheapest areas in the USA. If you want cheaper health insurance, join a pool with a bunch of young healthy men.
 Bingo    I still have this choice at the current time. Hope my heath care insurance stays this way also?Question Suspect 
Problem is the national coverage is going to absorb national costs. Doesn't matter if you live in CN or LA. MS LA AL SC have statistically higher obesity, heart disease, diabetes, etc. Those states and the people in them should absorb a higher cost of the pools, but they wont. CO, NH, CT, MN, ND, SD, NE, tend to have thinner people, lower heart rate disease, lower diabetes rates, etc... people living in those states should absorb less cost. But they wont. The system is loaded to penalize the young and healthy for the fat, lazy, and disease burden applicant. There isn't an option to move to a state of healthier people to avoid the penalty... auto insurance, still able to move/live where rates don't rape you.

If there is any sort of government assistance to medical care, it should be a states level service.

There are far to many exemptions in the law to mandate the law on anyone. Certain states have exemptions, if you practice the muslim faith, your exempt... etc. The law, although determined a legal tax by the supreme court, is not legal, as it is not applied equally to all people.

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Re: ACA tax now required to Breath

Post  supervel45 on December 6th 2013, 10:39 pm

The auto insurance parallel with health insurance has brought some good points to light, and I started the thread with it as a pretext, for a reason. It did take on somewhat of a twist though, and brought out some good coments I never expected. What if they do a ACA type deal for auto insurance to. After all everyone should be able to afford to drive and needs coverage? Like Blake pointed out, health insurance used to be a benifit you earned, not an entitlement, it was for the good of the company and employee's, as a whole. I will add, as well as the country too, since it was widely available, to full time employee's. Will everyone who supports the health insurance bill, jump on the bandwagon for ACA auto plan? If you have a company car, it likely has company insurance, and is a benifit you earn. I hear the same logic used with cell phone's for the finalically challenged. Yes I know this is getting to be an apples and oranges comparison, since they are not as life and death serious, but they do follow a line of thought that applies, in general terms.

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Re: ACA tax now required to Breath

Post  LivermoreDave on December 7th 2013, 1:36 am

Great job of editing Super. Thank you.

Dave.

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Re: ACA tax now required to Breath

Post  supervel45 on December 7th 2013, 8:34 am

Your welcome Sir. Thanks for your posts also Dave.

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Re: ACA tax now required to Breath

Post  supervel45 on December 7th 2013, 9:25 am

Curt wrote:
IDT-572 wrote:
Good response.............
Why not offer us the same plan our politicians have, at the same premium they pay?  It must be better, because none of them want to be held to the same standards.

Why are they needing to offer exemptions from ACA. If its "affordable" and good for all, why are people trying to avoid it like the plague. Why are lawmakers exempting themselves and their employees and contributors from it?
This post stuck in my head after reading it a few times. 1. If the heath care act was passed as a normal law, with criminal penalities attached, it would have to be applied to everyone, without exemption's. 2. The sponsors knew it would not stand Constitutional Challenage as a criminal type mandate, for everyone. 3. The sponsors where lawers, and skated around this knowing it would have to be considered a Tax, in the first place to survive, Supreme Court challenages. The auto insurance requirement laws survived, because there was an out, you did not have to drive, on a public roadway, if you did not want to buy it. It oringinated in the wrong house of congress for a tax bill, so it can still be challenged this way at least.

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Put ACA up for a re-vote

Post  supervel45 on December 25th 2013, 11:27 pm

Please Mr. President: Help repeal ACA or put it up for another vote. If it's so great I am sure it will pass again, now that congress has read most of it.

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Re: ACA tax now required to Breath

Post  jeffgfg on December 26th 2013, 11:40 am

As A person who is disabled and not yet on Medicare I went to the Government website and after months finally got through and actually got a price on how affordable ACA would be for my wife and I....I am 58 and have worked in construction since I was 13 years old. It will cost me 245.00 a month after the Government's subsidy ..not bad you say....well that's with a 4500.00 deductible!!! So now it will cost me 7,440.00 a year for my wife's and mine health care. which boils down to 620.00 a month !!! Or put another way even though I have Health coverage through ACA the first 4500.00 of my health care gets paid by me before the ACA benifits kick in. So all my doctor's visits are out of pocket, any testing, blood work, x-rays, outpatient procedures, all get paid by me out of pocket until I reach 4500.00. I'm sorry I don't see how that is affordable. Plus EVERYONE has to have all the coverage under the law so Yes my wife and I have to have maternity coverage, etc. I agree that they should have started with revamping the Healthcare system first. I have many friend and relatives who are union or retired union and they all said "what's the big deal" until I explained what it really cost people like me then they didn't have much to say

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Re: ACA tax now required to Breath

Post  Moodyblues on December 26th 2013, 12:13 pm

jeffgfg wrote:As A person who is disabled and not yet on Medicare I went to the Government website and after months finally got through and actually got a price on how affordable ACA would be for my wife and I....I am 58 and have worked in construction since I was 13 years old. It will cost me 245.00 a month after the Government's subsidy ..not bad you say....well that's with a 4500.00 deductible!!! So now it will cost me 7,440.00 a year for my wife's and mine health care. which boils down to 620.00 a month !!! Or put another way even though I have Health coverage through ACA the first 4500.00 of my health care gets paid by me before the ACA benifits kick in. So all my doctor's visits are out of pocket, any testing, blood work, x-rays, outpatient procedures, all get paid by me out of pocket until I reach 4500.00. I'm sorry I don't see how that is affordable. Plus EVERYONE has to have all the coverage under the law so Yes my wife and I have to have maternity coverage, etc. I agree that they should have started with revamping the Healthcare system first. I have many friend and relatives who are union or retired union and they all said "what's the big deal" until I explained what it really cost people like me then they didn't have much to say  

This is wrong on so many levels. I know of nothing that the government has ever done correctly and I was a government employee for years.
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Re: ACA tax now required to Breath

Post  supervel45 on December 26th 2013, 12:19 pm

Alot of people are forgetting to include the high deductables in the final cost per year. If they try to raise the tax penality on people who can't afford insurance in the first place, how are they going to pay the tax? It just does not make any sense to me. People are still going to abuse the emergy room's and the prices will continue to go up, it would seem? The union's apparantly are not happy because it will effect their plans also, from what I have heard, guess their costs are going up to?

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Re: ACA tax now required to Breath

Post  cool40 on December 26th 2013, 3:23 pm

I got 0 deductible with $1600 out of pocket max.$220 a month. S08S is the plan i got. I pay 20% for all in network and 20% on drugs. Thats for me and the wife.kids are already covered. We had bcbs before and with copay bs it was about like the plan i picked.after she lost the job i wanted to keep the ins but it was a damn joke....$2200 a month. I got $404 credit with this aca plan so it is damn sure affordable. Less than the cell phone bill!
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Re: ACA tax now required to Breath

Post  jeffgfg on December 26th 2013, 9:21 pm

Cool40 I'm glad to hear that the plan worked for you. You are the only person that I know of who has applied for ACA and actually got a decent plan. Congratulations!!! Unfortunately that doesn't help most people like me who simply can't afford that much a month let alone the deductible. My wife had insurance for both of us but she lost her job when her company closed. She has been unable to find another job with benefits. The fine part is easy, if you file a tax return and get a refund they take it before you see it. It is truly sad that it has come to this in this country. Fortunately both my children have great jobs one in health care and one in government, so they are okay except both are paying roughly 20% more because of ACA. I'm sorry but it still stinks.

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Re: ACA tax now required to Breath

Post  kim on December 26th 2013, 9:27 pm

The few that feel they've come out ahead, are very very very few indeed. Looked into it for my son, who is coming due for his own insurance.

$6000.00 out of pocket annual, and $450 a month. So really $900.00 a month for medical. That pretty much is his monthly income. WTF is he going to use to pay car insurance, gas, and of course actually live????

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Re: ACA tax now required to Breath

Post  cool40 on December 26th 2013, 10:04 pm

i looked at all the plans on the site and best i can tell the cheaper plan,which didn't cost shit for me,had the big deductible.you can buy a plan with less deductible i'm sure,just look.Kim i couldn't say what your son could buy but i'd keep looking.i sure dont see it costing him all his monthly income.the cost is based on your income and family size etc.the insurance cost has been way out of hand far too long,same as the drug and healthcare.
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Re: ACA tax now required to Breath

Post  Dave De on December 27th 2013, 11:20 am

The initial insurance rates are set based upon a certain ratio of age cross section. If that cross section is not met for profitability to the insurance company the FED (our tax dollars) will make an adjustment while the rates will go up over time. This is part of the law.
Today I can see that about 20% of the working class will have plan policies that are cost effective with pre-health care act premiums. It will take 2 to 3 years for the balancing act to take place where that 20% will be paying much higher. We will all see what the FED does to shore up the insurance companies balance sheets at the end of 2014 with our money. If they dont pay out our premiums will rise with the end result that we pay anyway.

I hate to generalize but why stop now. We are now more of a socialist government.
Was it Margret Thatcher that said "socialism works until you run out of the other guys money"?


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Re: ACA tax now required to Breath

Post  res0rli9 on January 4th 2014, 5:06 am


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Re: ACA tax now required to Breath

Post  supervel45 on January 5th 2014, 2:41 am


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Re: ACA tax now required to Breath

Post  cool40 on January 5th 2014, 1:53 pm

supervel45 wrote:http://www.yellowbullet.com/forum/showthread.php?t=632057                                                                                                                                                    This ones almost as entertaining.
if you like an argument with 4th grade level intelligence.
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Re: ACA tax now required to Breath

Post  supervel45 on January 6th 2014, 10:24 am

cool40 wrote:
supervel45 wrote:http://www.yellowbullet.com/forum/showthread.php?t=632057                                                                                                                                                    This ones almost as entertaining.
if you like an argument with 4th   grade level intelligence.
Thats what was so entertaining,(scary as well), as well as the tittle of the thread.

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