Obamacare… Tell me what you know

posted 3 years ago in Legal
Post # 4
Member
667 posts
Busy bee
  • Wedding: October 2013

There’s a lot of misinformation out there. Here’s the basics:

1) Obamacare AKA the Affordable Healthcare Act first got rid of prohibitions on restricting insurance for preexisting conditions, prevented insurance from dropping people when they got sick, and allowed those under 26 to stay on healthcare plans. This is already in effect.

2) Next, it provides for FREE preventive care and contraception (with the exception of the religious nonprofit exemption which Obama relented to) under all insurance plans (so happy not to have to pay for my BC anymore!)

3) What is now being implemented is this:

a) Everyone must have health insurance or face a penalty (a “tax” under the supreme court interpretation)

b) Employers with more than 50 employees must provide that insurance

c) if you don’t qualify for employer coverage, you can enter the individual exchange. Some exchanges are state-run, but others OPTED to have the Federal government run it. There are 4 levels of insurance under the plan that vary the premium, copay, and deductable. If your HHI is less than a certain threshold, you get a subsidy to help pay the premium.

 

That’s IT!

Post # 5
Member
667 posts
Busy bee
  • Wedding: October 2013

Oh and where I got this? Reading the Bill, actually listening to the News that isn’t pundits, etc.

Post # 7
Member
538 posts
Busy bee
  • Wedding: May 2014

@classyashley:  so where I work I am not offered insurance bc I am a student employee, but there are WELL over 50 employees……….. will my job now have to offer me insurance? Also for BC do I still just go to the pharmacy and pick it up with my prescription?

 

Post # 9
Member
1397 posts
Bumble bee
  • Wedding: September 2013

I know that it does not effect me because my husband and i get health insurance through my employer.

Post # 10
Member
11668 posts
Sugar Beekeeper
  • Wedding: November 1999

@jny1179:  That video made me want to cry.  It basically confirmed what I already thought – which is that some people are simply opposed to it because it was introduced by Obama and got that nickname.  I am 99.9% sure that if Bush introduced it and it was called BushCare, all the conservative Bush lovers would be all about it.  I saw an interesting statistic the other day that said while the majority of Americans oppose “Obamacare”, the majority of people opposed admit to not being informed about it, whereas the people who are informed about what it entails are in support of it.  I think that says a lot.

I know Obamacare has become the nickname of it, but I honestly can’t take anyone’s argument about it seriously if they refer to it as Obamacare.

I work in health care consulting so I am very well versed in the Affordable Care Act and my opinions come from being familiar with the law, as well as from the work I do every day around health care reform. 

Post # 11
Member
11772 posts
Sugar Beekeeper
  • Wedding: May 2013

@jny1179:  That complete innacuracy about congress being exempt drives me UP THE WALL!

I also have private health care, so it doesn’t affect me. 

Post # 13
Member
11668 posts
Sugar Beekeeper
  • Wedding: November 1999

@jigga143:  Employers are only required to offer nsurance to full time employees.

Post # 14
Member
1081 posts
Bumble bee
  • Wedding: March 2014

All I know is you have to pass the bill so you can find out what is in it 😛

Post # 15
Member
11668 posts
Sugar Beekeeper
  • Wedding: November 1999

@jny1179:  Good to see someone in Mass that hasn’t had issues with the system.  It’s been hard for me to get a good read on what the opinion is there.  Public opinion and outcomes seem mixed.  However, I think it’s important to note that The ACA is built on many of the same principles as Romney’s Mass Health is.  So, it’s interesting but not surprising that so many are okay with the Mass plan but not okay with the ACA.  I think it comes down to the fact that Mass Health is state run whereas the ACA is federal government run.  I also found it entertaining that Romney did not recommend what is essentially his own plan for the rest of the country. Again though, I believe he thought health care should be left up to the states and not the federal government. But, when left up to the states, look how few do anything.  The majority of states will be having a federal run exchange instead of setting up their own. I think it’s ineffective and confusing to consumers to have vastly different systems from state to state.

Post # 16
Member
1093 posts
Bumble bee
  • Wedding: May 2014

@jigga143:  only if you are full time will you be offered insurance

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