I'm somewhat effected. I live on a Navy base. A lot of the civilians who work here are getting furloughed though so some services are not available to us right now. Still getting paid though 
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How is the government shut down affecting you?
- Thread starter krichardson
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This. And why it seems like quite a few businesses will be getting rid of their affordable health care, now that there will be other options their employees can go ... to save a metric crapload of cash. Hopefully insurance companies get smart and lower their individual rates knowing most people won't being able to afford the government plan. A penny from millions will make them more than a dollar from a few dozen.
if you think OBAMACARE IS VOODOO public healthcare , wait till your on social security ,,, it's this x1000,,, every aspect is govt provided or subsidized(yes ALL OF IT),,but it WORKS
PS it's NOT the govt that's screwing you here, THE INSURANCE COMPANIES are the ones jacking up the rates ,you can still buy private health insurance its the companies that make it unafordable... they are trying to keep the stockholders happy ....if this plan doesn't work the biggest possibility is that the insurance companies pearl harbor it... they seem to do fine with providing subsidized healthcare in medicare advantage plans, maybe your former insurance company was subsidizing those plans with your overpriced premiums.The "government plan" is insurance companies. That's who's competing for your business on the exchanges...
The government involvement is in setting up the marketplace (i.e. like Expedia for health insurance) so that you can go to one place and get apples-to-apples quotes for quality coverage for all of the (commercial) insurance companies that have chosen to participate.
Matt
The government involvement is in setting up the marketplace (i.e. like Expedia for health insurance) so that you can go to one place and get apples-to-apples quotes for quality coverage for all of the (commercial) insurance companies that have chosen to participate.
Matt
So essentially this monopoly created by the select few insurance companies that the government has decided to subsidize (and fine you if you don't get a plan!) is somehow creating all this "competition?" This is hilarious.
I'll tell you what... 9/10 people I talk to are facing increased costs and/or less coverage (like myself) from what they currently have. If you're my age and actually work in the private sector for a living making over $24,000 a year, watch out buddy!
If you work for the government or are already on government aid and keep touting how great this is, I don't even want to hear it... I pay for it.
...Bunch of foxes guarding the henhouse and serving up more free kool aid. Is the end game just handing over 100% of my paycheck so the all mighty government can distribute their "services" to me as they see fit?
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I'll tell you what... 9/10 people I talk to are facing increased costs and/or less coverage (like myself) from what they currently have. If you're my age and actually work in the private sector for a living making over $24,000 a year, watch out buddy!
If you work for the government or are already on government aid and keep touting how great this is, I don't even want to hear it... I pay for it.
...Bunch of foxes guarding the henhouse and serving up more free kool aid. Is the end game just handing over 100% of my paycheck so the all mighty government can distribute their "services" to me as they see fit?
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IMO "THE GOVT . SUCKS" isn't a valid point to bring into this discussion)Fortunately that's not how it works: the government didn't choose to subsidize a "select few insurance companies". Commercial insurance companies choose to participate or not.
Here's a great study by RWJF on insurance company participation in exchanges: http://www.rwjf.org/content/dam/farm/reports/issue_briefs/2013/rwjf406939
In a nutshell:
Respondents in the study states
suggested that most commercial insurers, though not
all, are indicating they are likely to participate. In New
York, all the major commercial carriers have shown an
interest in participating. These include Anthem/Empire,
Excellus/Lifetime and Health Now. All of these are Blue
Cross entities that operate in different parts of the state.
Emblem, Aetna and United are also major players that are
expected to participate, along with some new entrants.
How the commercial insurers who have chosen to participate in the exchanges choose to price their products is also up to them. Some are pricing aggressively and others not-so-much. It's really a business decision by commercial entities (i.e. the marketplace at work).
How insurers will price their plans is a subject of great
uncertainty. Concerns about massive increases in rates
have proliferated. Clearly, some insurers will price high
to avoid adverse selection, but they then could end up
with very few takers. Others may price low to gain market
share. Narrower network plans should be able to price
low relative to other insurers.
If folks would investigate a little deeper than the talking points, they might find that the ACA - while not perfect - is definitely a step in the right direction and IS NOT the so-called "government takeover of healthcare" that some have portrayed it to be.
Matt
Here's a great study by RWJF on insurance company participation in exchanges: http://www.rwjf.org/content/dam/farm/reports/issue_briefs/2013/rwjf406939
In a nutshell:
Respondents in the study states
suggested that most commercial insurers, though not
all, are indicating they are likely to participate. In New
York, all the major commercial carriers have shown an
interest in participating. These include Anthem/Empire,
Excellus/Lifetime and Health Now. All of these are Blue
Cross entities that operate in different parts of the state.
Emblem, Aetna and United are also major players that are
expected to participate, along with some new entrants.
How the commercial insurers who have chosen to participate in the exchanges choose to price their products is also up to them. Some are pricing aggressively and others not-so-much. It's really a business decision by commercial entities (i.e. the marketplace at work).
How insurers will price their plans is a subject of great
uncertainty. Concerns about massive increases in rates
have proliferated. Clearly, some insurers will price high
to avoid adverse selection, but they then could end up
with very few takers. Others may price low to gain market
share. Narrower network plans should be able to price
low relative to other insurers.
If folks would investigate a little deeper than the talking points, they might find that the ACA - while not perfect - is definitely a step in the right direction and IS NOT the so-called "government takeover of healthcare" that some have portrayed it to be.
Matt
If this is such a great system, then why are rates going up for so many people? If we can keep our insurance, why are so many people being dropped by their employers?
This program is garbage if you're a healthy middle class person.
Before the "A"CA went into effect, my quotes for my wife and I were about $500 a month out of pocket for a "platinum level" equivalent, high quality low out of pocket comprehensive plan. After the "A"CA went into effect, for the same cost my wife and I can only get a bronze plan for $567 a month, and that's not even considering my son in the quotes as I wanted an apples to apples comparison. For what its worth, my wife has a preexisting condition, as well.
The scary thing is though, to get less coverage for more money, I have to have a taxpayer funded subsidy to help pay for it! Without that subsidy, my rates would go up even more.
How is any part of this affordable? This law is going to negatively affect millions of producers such as myself.
You can keep the change.
This program is garbage if you're a healthy middle class person.
Before the "A"CA went into effect, my quotes for my wife and I were about $500 a month out of pocket for a "platinum level" equivalent, high quality low out of pocket comprehensive plan. After the "A"CA went into effect, for the same cost my wife and I can only get a bronze plan for $567 a month, and that's not even considering my son in the quotes as I wanted an apples to apples comparison. For what its worth, my wife has a preexisting condition, as well.
The scary thing is though, to get less coverage for more money, I have to have a taxpayer funded subsidy to help pay for it! Without that subsidy, my rates would go up even more.
How is any part of this affordable? This law is going to negatively affect millions of producers such as myself.
You can keep the change.
I have used UNITED as an insurance carrier .. AND MAY AGAIN... as a perscription drug insurance plan.. the are pretty good overall.. funny though lots of people that are worried about the deficit are fighting this deficit lowering attempt...
fair point ..at first lots of people may (will) experience some cost increase...this of course is insurance companies pricing.. NOT GOVT....you are still buying from insurance companies ....as far as pre -existing conditions .. INSURANCE COMPANIES WERE GLAD TO take your premiums ,and provide day to day coverage, it was during a catastrophic claim that they often decided to bring in the pre existing condition clause , as a way to NOT cover your huge medical bills already incurred , leaving you holding a 6 or 7 figure debt ,they can't pull that nonsense on anybody now
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