Premiums after reform

[ProSense]

A few caveats:

• Specific subsidies for cost sharing and what people might pay out-of-pocket for deductibles and coinsurance are not illustrated on the calculator.
  
  
• In many cases coverage will be more comprehensive and accessible than what is typically available today in the non-group market, so premiums cannot easily be compared to what people buying insurance on their own are now paying.
  
  
• The calculator does not apply to people with coverage available through an employer, where the firm is generally paying for a substantial portion of the insurance premium.

link

Go here and play around with individual premiums.




more

[NYC_SKP]

1. Someone cancelled my rec. How utterly ridiculous. Anywho, nice post. kick! n/t

[ProSense]

3. Hey

some people want to remain in the dark and turn the lights out on others. They prefer to build their opposition on speculation, rumors and alleged secret deals.

You can tell people they're not getting a check every day until they receive the check. The same kind of distortion surrounded the stimulus, and now it's tax time.

[TreasonousBastard]

4. Some useless, sorry son of shit is still unreccing this. Must...

be one of those "progressives" who can't understand the difference between propaganda nad a learning experience. A post with useful knowledge must be a terrifying thing to some.

After all, you can't post about healthcare without lip service to the the magic triad:

Insurance companies suck and must be destroyed

Medicare for all or at least a public option

Dennis is God.

[ProSense]

5. Maybe they think

the unrec an edit button that changes the facts?

One never knows. LOL!

[texastoast]

2. K&R n/t

[leftstreet]

6. Hey...wait. Wasn't this McCain's idea?

Premium subsidies are provided in the form of refundable tax credits through the federal income tax system.

:shrug:

[ProSense]

7. No. n/t

[leftstreet]

8. Yes, actually

(CNN) -- A tax credit to help individuals and families buy health insurance is at the heart of a health care proposal Sen. John McCain unveiled Tuesday.

The credits will spark greater competition among insurance providers and put "individuals and families back in charge," the presumptive Republican presidential nominee said during a speech in Tampa, Florida.

"Millions of Americans would be making their own health care choices again," McCain said. "Insurance companies could no longer take your business for granted, offering narrow plans with escalating costs."

Under McCain's heath care plan, individuals would be eligible for a $2,500 credit and families a $5,000 credit to help pay for health insurance if they do not subscribe to, or do not have access to, employer-provided health care coverage. The government would send the money directly to insurers.

McCain's plan would cost $3.6 trillion over 10 years, the campaign said. McCain would pay for the program by eliminating the tax break employers get for offering insurance.

Doug Holtz-Eakin, a McCain senior policy adviser, said the tax credit would allow individuals to obtain health coverage "tailored to the circumstances of your life" rather than being forced to accept the insurance provided by an employer.

:shrug:

[berni_mccoy]

12. No. A tax-credit was the sum total of McCain's health plan.

There is much more to this plan than this. And the tax credit is not the only form of subsidy on the current HCR bill. Please take time to read the bill and inform yourself.

[WCGreen]

9. well, at least I got it closer to 0 with my vote...

[Cleobulus]

10. Based on plans with an actuarial value of .70, in other words, plans many people...

most likely the majority of the uninsured can not afford to use, so you have "comprehensive coverage" that isn't worth the paper its written on.

[berni_mccoy]

11. Which is what most individuals and small businesses buy. Individuals and small business

can't afford actuarial values greater than that, myself included. Any plan that pays more is going to be an employer based plan. They are trying to show premium differences between current plans people buy out of pocket and plans they will be able to buy under the HCR Bill.

[Cleobulus]

14. If the only plan you can afford premium-wise is one you can't use when you need to...

to pay for medical care, what the fuck is the point of the government in offering it?

[berni_mccoy]

16. Lol! You might want to check the actuarial value of Medicare.

:rofl:

[Cleobulus]

17. Yes, and? I can't afford to use that either, never claimed otherwise...

We need a robust PUBLIC plan without having people shell out thousands of dollars for medical care, is this honestly too much to ask for?

[ProSense]

15. Actuarial value for Medicare is .76 and the

coinsurance is uncapped at 20 percent.

Out of pocket expenses in this bill are capped at about $5,900 for and $11,900 for a family.

[Cleobulus]

18. Yeah, and that's way too fucking high, no way I could afford that...

I make 10 bucks an hour, I'll be "covered" by the insurance companies and still can't get treatment. What the fuck is the point?

[berni_mccoy]

13. K&R. Thanks for posting.