11-11-2016, 10:52 AM
(11-11-2016, 09:41 AM)playwrite Wrote: Obamacare was limited to a pretty narrow set of people - those poor enough to be on Medicaid and those in the lower Middle Class that could not get employer-based insurance. A credit card-like centering of health insurers in the state with the most relaxed regulations will, however, impact the ENTIRE market. I expect the costs will spell the end of employer-based health insurance.I used to be neutral on Obamacare. I agreed with the principle that getting people out of critical and emergency care and into primary care made a lot of sense in terms of reducing the total system costs. The story we're being fed is that the insurers are losing money on all these new enrollees that are sick and receiving care. I don't buy it. If someone is poor enough that they have to have their premium subsidized there is no way that they can be affording the $5K plus deductible on their care. It just doesn't make sense.
I also know that I personally have had my costs skyrocket for my self employed spouse who at the onset of Obamacare was able to get coverage for less money than it would cost me to put her on my employers plan. This year that is no longer the case. Still, it is costing me $6K per year plus another $6K per year that is hidden by my paycheck to have a program that should I need it will cost me another $7.5K to cover the deductible and I am paying so that someone else who chose not to go to school and get a degree like I did that pays too much to qualify for any sort of subsidy can get it on the cheap. It really pisses me off and I find myself not caring about the whining of others because I'm sick of paying for it. It is nonsense like Obamacare, that Clinton swore to double down on, that caused me to vote for Trump.