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 My Heart Be Happy
Posts: 9159
   
Location: Arkansas | jd&ez - 2016-10-26 6:36 PM
Bear - 2016-10-26 3:12 PM jd&ez - 2016-10-26 2:05 PM streakysox - 2016-10-26 7:49 AM Obama care was a ploy to help the insurance companies. $3000 deductible is insane while you are stil paying the monthly premiums. This was put into effect illegally anyway. Any candidate but Hillary. Lot of truth in that. W signed the MMA, Medicare Modernization Act, into law as a gift to the insurance companies. That was the beginning of privatizing medicare. It's a been a boon to the insurance companies. Big burden on the taxpayers.
When Bill Clinton wanted national health care he wanted a single payer system. Which is really the only viable option if a country is to have national health care.
The reason Clinton couldn't get it passed was because the insurance companies weren't involved and they fought it tooth and nail. They spent billions on advertising against it and filled the pockets of connections to lobby against it.
Obama als wanted single payer but he knew it couldn't be passed against the insurance companies. So he included the insurance companies. They then filled the pockets of connections to lobby for it.
It will always be a mess if the insurance companies run it.
If you are opposed to this stuff then Trump is certainly not the answer. He is more of a democrat than Hillary ever thought about being. But even if he wasn't, he would not lift a finger to repeal national healthcare now that we have it.
It's pie in the sky thinking to believe that there will be a nickel's worht of difference no matter which one wins the white house. Spoken like a true Yellow Dog Progressive plebe. Socialism is the answer and the insurance companies are Satan incarnate......even though you sell insurance.....don't you? If Trump is "more of a Democrat then Hillary", why would you, Mr Yellowdog Democrat, vote for Hillary? I'll grant you there is a smattering of truths in your remarks, but your simple solution is to turn it over to the government. 20% of our economy, to be more exact. Rather than identify precisely what's wrong with something, you prefer to turn it over to the most inept, incompetent, insolvent, corrupt enterprise the world has ever seen.....the United States Federal Government.
And yes, I do sell insurance. Maybe that's why I know what I'm talking about? I deal with the stuff everyday that you only speculate about.
I have several insurance agents as clients and they HATE dealing with this insurance debacle. Said it's the worst thing ever. Course they probably don't know what they're talking about. . . . | |
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 A Somebody to Everybody
Posts: 41354
Location: Under The Big Sky Of Texas | jd&ez - 2016-10-26 6:36 PM Bear - 2016-10-26 3:12 PM jd&ez - 2016-10-26 2:05 PM streakysox - 2016-10-26 7:49 AM Obama care was a ploy to help the insurance companies. $3000 deductible is insane while you are stil paying the monthly premiums. This was put into effect illegally anyway. Any candidate but Hillary. Lot of truth in that. W signed the MMA, Medicare Modernization Act, into law as a gift to the insurance companies. That was the beginning of privatizing medicare. It's a been a boon to the insurance companies. Big burden on the taxpayers.
When Bill Clinton wanted national health care he wanted a single payer system. Which is really the only viable option if a country is to have national health care.
The reason Clinton couldn't get it passed was because the insurance companies weren't involved and they fought it tooth and nail. They spent billions on advertising against it and filled the pockets of connections to lobby against it.
Obama als wanted single payer but he knew it couldn't be passed against the insurance companies. So he included the insurance companies. They then filled the pockets of connections to lobby for it.
It will always be a mess if the insurance companies run it.
If you are opposed to this stuff then Trump is certainly not the answer. He is more of a democrat than Hillary ever thought about being. But even if he wasn't, he would not lift a finger to repeal national healthcare now that we have it.
It's pie in the sky thinking to believe that there will be a nickel's worht of difference no matter which one wins the white house. Spoken like a true Yellow Dog Progressive plebe. Socialism is the answer and the insurance companies are Satan incarnate......even though you sell insurance.....don't you? If Trump is "more of a Democrat then Hillary", why would you, Mr Yellowdog Democrat, vote for Hillary? I'll grant you there is a smattering of truths in your remarks, but your simple solution is to turn it over to the government. 20% of our economy, to be more exact. Rather than identify precisely what's wrong with something, you prefer to turn it over to the most inept, incompetent, insolvent, corrupt enterprise the world has ever seen.....the United States Federal Government.
And yes, I do sell insurance. Maybe that's why I know what I'm talking about? I deal with the stuff everyday that you only speculate about.
LOL.... Whos name calling?  Your the one that loves calling Trump people white trash on here , you really dont think that some of us have forgotton that now do you?  | |
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 Hugs to You
Posts: 7550
Location: In The Land of Cotton | jd&ez - 2016-10-26 7:37 PM 3canstorun - 2016-10-26 2:27 PM jd&ez - 2016-10-26 3:05 PM streakysox - 2016-10-26 7:49 AM Obama care was a ploy to help the insurance companies. $3000 deductible is insane while you are stil paying the monthly premiums. This was put into effect illegally anyway. Any candidate but Hillary. Lot of truth in that. W signed the MMA, Medicare Modernization Act, into law as a gift to the insurance companies. That was the beginning of privatizing medicare. It's a been a boon to the insurance companies. Big burden on the taxpayers.
When Bill Clinton wanted national health care he wanted a single payer system. Which is really the only viable option if a country is to have national health care.
The reason Clinton couldn't get it passed was because the insurance companies weren't involved and they fought it tooth and nail. They spent billions on advertising against it and filled the pockets of connections to lobby against it.
Obama als wanted single payer but he knew it couldn't be passed against the insurance companies. So he included the insurance companies. They then filled the pockets of connections to lobby for it.
It will always be a mess if the insurance companies run it.
If you are opposed to this stuff then Trump is certainly not the answer. He is more of a democrat than Hillary ever thought about being. But even if he wasn't, he would not lift a finger to repeal national healthcare now that we have it.
It's pie in the sky thinking to believe that there will be a nickel's worht of difference no matter which one wins the white house.
Why do you think it is okay for people who make more -to have to pay more?
Where is the logic in this?
Then answer the questions -
I understand you sale insurance - that is fine. One question though - the higher the premiums - do you as an agent make more, as compared to a policy where the premiums are less? Most sales jobs are like that.
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 Expert
Posts: 1612
Location: Cocoa, Florida | Chandler's Mom - 2016-10-26 8:20 PM
RnRJack - 2016-10-26 3:03 PM
So I have a question, if I had full coverage insurance in 2016 at my old job, but I left to start my own business, when do I need to purchase my insurance? Will I get fined for every month I haven't had it until 2017? Or do I need to get it by the new year? I've heard both...
You will need to have it every month. There was a small gap period that was acceptable like a month or two last year, but not sure that's on the table this year.
Thank you, I've heard that since I left a company with benefits I can still pay for them independently through my old company, that they have to honor it. It's called cobra I believe.
Looked at some plans yesterday, found one for $158 a month with a $6500 deductible!!!!!!! I won't use that in 3 years if not more.....looks like we're gonna have to do a quick court house wedding if my boyfriend agrees so can use his benefits, we plan on getting married anyway but it sucks that we may do it under these circumstances. | |
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 I'm doing it!!
Posts: 2332
| Is there just a cancer plan? I've had cancer, and my surgery, chemo, and radiation was almost $200,000.00
I don't know what I would have done with my bcbs ins. I was only out less than $7,000.00 out of pocket. My monthly premiums are $735.00 just for me. | |
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Industrial Srength Barrel Racer
Posts: 7264
| RnRJack - 2016-10-27 10:20 AM
Chandler's Mom - 2016-10-26 8:20 PM
RnRJack - 2016-10-26 3:03 PM
So I have a question, if I had full coverage insurance in 2016 at my old job, but I left to start my own business, when do I need to purchase my insurance? Will I get fined for every month I haven't had it until 2017? Or do I need to get it by the new year? I've heard both...
You will need to have it every month. There was a small gap period that was acceptable like a month or two last year, but not sure that's on the table this year.
Thank you, I've heard that since I left a company with benefits I can still pay for them independently through my old company, that they have to honor it. It's called cobra I believe.
Looked at some plans yesterday, found one for $158 a month with a $6500 deductible!!!!!!! I won't use that in 3 years if not more.....looks like we're gonna have to do a quick court house wedding if my boyfriend agrees so can use his benefits, we plan on getting married anyway but it sucks that we may do it under these circumstances.
I have a friend who is doing JUST this - they have lived together for 10-15 years (old, like me, in their 50s) and now they HAVE to get married because he is on O-Dumbo Care and it's insanely expensive while it won't cover anything.
It USED to be you "had" to get married if you got "knocked up" now people "have" to get married for insurance!  | |
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 BHW Resident Surgeon
Posts: 25351
Location: Bastrop, Texas | Here he is, Jonathan Gruber, one of the masterminds behind ObamaCare. To refresh your memory, this is the guy who openly gloated about Obama's 3 big lies he had to use to get ObamaCare passed. This is the guy who had the temerity to openly remark that ObamaCare's passage was predicated on the stupidity of the American voter. This guy actually thinks the NEXT step Hillary should take is to stiffen the mandate.....by increasing the penalties for not having "qualified" insurance. That's right....you heard me. They want to increase the penalties, in the face of skyrocketing premiums that, in some states, will increase by over 100% this year. For those of you who feel you are better off with no insurance because it's cheaper to pay those penalties, that option will be eliminated. Welcome to the fight!
This guy is like Herpes to the Hillary campaign. He keeps popping up.
https://m.youtube.com/watch?v=bJLsn-Hc2uU | |
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BHW Resident Surgeon
Posts: 25351
Location: Bastrop, Texas | Here's what we can expect: INCREASED penalties, if you elect to be uninsured. Those of you who think you are getting off easy without getting insurance and just electing to pay the penalty, they want to ratchet up the pressure to buy into the exchanges by increasing the penalty.
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Common Sense and then some
Location: So. California | jbhoot - 2016-10-26 2:01 PM Anniemae - 2016-10-26 3:07 PM JBhoot -
Yes, I am mistaken. 1 bill in 6 years, that had a snowball's chance if you are speaking of HR 3762.
https://www.congress.gov/bill/114th-congress/house-bill/3762
Well, at least we know that the GOP can pass 1 bill every 6 years!! I'm so happy we are getting our monies worth out of this group!! 
You do realize that the house has passed Obama care repeal over 50 times in one from or another since they took over in 2010 only to be blocked by the Harry Reid and the Dem's until the Republican's took control in 2014 don't you? The Dem's had all three branch's of the government when they passed this crappy bill and it's going to take the Republican's to win all three branch's of government to get rid of it. Unless you want to change the Constitution there are rules on how to get rid of a crappy law and it is not easy. The Dem's knew that when they rammed this down our throat's.
It was all for show... 50 bills between 2010 and 2014, and 1 since? And it was buried in the budget bill... Think about that for a minute. Do you really think the GOP has repealing or repairing Obamacare as their priority?
The reality is that the insurance and pharmaceutical companies contribute to the Republican coffers just as much as they do the Democrats. It's all a shell game. It's a great talking point, get's the base riled up, but NOTHING gets done, because it's not in their best interest. Go listen to some of Trumps youtubes on political contributions. Yep, both sides of the aisle, that is how it is done.
Special interst $$ wins every time. 
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BHW Resident Surgeon
Posts: 25351
Location: Bastrop, Texas | I'm afraid Anniemae is right. They're all plutocrats.....just a bit different on the outside, for appearance sake.
We are suckers. | |
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My Heart Be Happy
Posts: 9159
Location: Arkansas | RnRJack - 2016-10-27 10:20 AM
Chandler's Mom - 2016-10-26 8:20 PM
RnRJack - 2016-10-26 3:03 PM
So I have a question, if I had full coverage insurance in 2016 at my old job, but I left to start my own business, when do I need to purchase my insurance? Will I get fined for every month I haven't had it until 2017? Or do I need to get it by the new year? I've heard both...
You will need to have it every month. There was a small gap period that was acceptable like a month or two last year, but not sure that's on the table this year.
Thank you, I've heard that since I left a company with benefits I can still pay for them independently through my old company, that they have to honor it. It's called cobra I believe.
Looked at some plans yesterday, found one for $158 a month with a $6500 deductible!!!!!!! I won't use that in 3 years if not more.....looks like we're gonna have to do a quick court house wedding if my boyfriend agrees so can use his benefits, we plan on getting married anyway but it sucks that we may do it under these circumstances.
Yes, cobra is horrendously expensive from my experience. Insurance is the ultimate insult any way you look at it!!
And the penalties are gonna increase harshly every year. . . .
Edited by Chandler's Mom 2016-10-28 10:36 PM
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BHW Resident Surgeon
Posts: 25351
Location: Bastrop, Texas | Insurance alone is not the answer, whether it's provided by your employer, COBRA, purchased privately, or on one of the ObamaCare exchanges. We'll either have single payer, where 20% of the U.S. economy gets turned over to a corrupt, inept, hopelessly indebted government....or something else. That "something else" will fail miserably unless free market forces are used to drive down the cost of healthcare. The existence of health insurance, in its current form, is an impediment to driving down the cost of healthcare. Something has to be done so that the majority of citizens have some sense that they have skin in the game, and therefore become consumers in a free market system. That's where tax deductible HSAs come into the picture. Obviously, something will have to be done to provide assistance to the indigent, and obviously insurance will play a role in making catastrophic insurance available. Eliminating barriers across state lines to competition between insurers, tax deductible HSAs, some form of torte reform, and a Medicaid type program controlled by the individual states is the best solution.....unless we just roll over and dump the responsibility on the federal government. | |
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 Elite Veteran
Posts: 933
Location: north dakota | Here is Trump's plan for healthcare. I agree that his plan would be a much better solution than Obamacare that is crippling the middle class.
http://www.caintv.com/trump-releases-seven-point-hea
Edited by ndcowgirl 2016-10-29 8:57 PM
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BHW Resident Surgeon
Posts: 25351
Location: Bastrop, Texas |
I agree with this plan, and I'd add torte reform. Defensive medicine accounts for about 20% of healthcare costs, according to some estimates. | |
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Folks on-line