Jackson Jambalaya

I'm already paying Golden Rule $246/mon for a catastrophic private policy. I'm 58. $5k deductible. I've changed a couple years back from Humana for a cheaper premium. Got $130 back on the policy this year due to provisions in the Obamacare law.

Well that settles it. People who couldn't afford it before still won't be able to afford it. Stupid democrats.

Holy mother of G_d, why would they do the spreadsheet like that and why would the filters be designed by ESL programmers?

Yes, this website is a trainwreck. Good thing that Obamacare is so awesome, dreamy.

Very objective, to leave out the subsidies. Not hackish at all.

I assumed at this point everyone knew there were subsidies. My readers have a higher reading level than do those of the newspaper. However the amount of the subsidy is not known until one completes the process on healthcare.gov sufficeth to say $45,000 or below for individuals, $85,000, I think, for families.

To calculate 400% poverty level for your family! go to the kaiser family foundation subsidy calculator.

These rates are lower than I expected given what I had to pay for my children once they graduated from college and before working long enough at their jobs to be covered.

20 years ago BCBS was $360 a month/$5000 deductible for a 23 year old female.

People pay more for their car payments. Which is more important?

6:44, 9:02 shows that was a faulty assumption on your part.

The rates are a complete joke. And here is why: You have no idea what doctors and hospitals are accepting those rates and plans. The last I heard, no major Jackson hospital had signed a contract with Magnolia and only HMA had signed up if you are on Humana. So good luck finding a doctor or a hospital regardless of the plan!

Another day for the water carriers here on JJ to pretend that Obamacare is some screaming sweet deal.

@7:57 which part were they assuming? The affordability or that democrats are stupid. Sounds spot on to me!

7:36, that's just the point. Some people would rather have a car, some would rather have health insurance, but it's up to them to decide. Their car payments are so they can have a car, not so someone who can't afford a car can now get a government subsidy to buy one.

Thanks for doing this, KF. Would it be possible to post the deductible amounts with the premiums?

Your readers should also factor in premium subsidies based on tax credits, depending on income,up to 400% of FPL , for persons purchasing insurance through the exchange. Here is a subsidy calculator set up by Kaiser, and mirrors the one on federal web page.http://kff.org/interactive/subsidy-calculator/
It is also too bad that Mississippi did not act to expand coverage for low income working people though Medicaid expansion. Also new tax credits for small businesses offering health insurance should be explored.And don't forget CHIP. I found this brief on the law to be helpful.
http://kff.org/health-reform/issue-brief/quantifying-tax-credits-for-people-now-buying-insurance-on-their-own/

SAM BEGLEY

I would like to see a chart over 40 years, year to year, on the percentage of income health insurance takes. At this point we are saying that health insurance for a young family of 3 or 4 just outside of the subsidies should roughly be 10% of their income.

Remember this is insurance that pays a portion, not full pay, so there will still be health costs each year to add on top of that.

I feel like the health industry and insurance industry is very satisfied with the way they have re-organized our budgets over the years.

Hashing and re-hashing, it's still an accounting adjustment (re-aligning the expense classification, and liability for the feds vs. the states) and a tax increase. Those in the lower classification (poverty) group will continue to pay nothing and use the ambulance service as their cab to the hospital emergency room. Everybody, except the beauracrats, will be screwed. Everyone hopes they'll never have to use hospital insurance, and with few exceptions, the over 60 crowd will be the ones most needing coverage. In the meantime youngsters will be tied to high priced insurance that could have been invested in a home to build equity. A simple synopsis, but a valuable viewpoint.

Bill at 10:10-

That's all true, but have you considered the benefit to us all that requiring private health insurance provides? Specifically, that people with private health insurance will not end up on Medicaid/Medicare for their inevitable healthcare needs (including cancer, serious injuries, etc)?

"Some people would rather have a car, some would rather have health insurance, but it's up to them to decide."

Except if they don't have a car, my dollars don't pay for driving them somewhere. Whereas if they choose the car over health insurance, and then get injured in a wreck, the cost gets passed along to the public.

Today's GOP: the party of freeloading. Reagan wept.

12:37 That was the point I was making. Most will have coverage, except the poverty group, that will end upon on Medicaid or defaulting on their responsibility. Even if forced to buy obamacare, they wont be able to pay the deductibles or co-payments if any. Im no lawyer or insurance expert, but common sense and the ability to read drives my point.

1:00PM Unfortunately there are plenty of unemployed and unemployable. Most of the problems have been created by beauracrats, locally, statewide and nationally, albeit down through generations, through regulation and taxation. There's something wrong when businesses like mcdonalds and casinos have employees receiving food, housing, and other govt. benefits. They can buy prime locations, build expensive buildings, etc. but not pay a livable wage. With a small business unable to obtain financing through issuing stock, they are married to the bankster, and much more susceptible to being screwed by vendors and employees. Oh hell, it's just a helluva' mess!!

Whereas if they choose the car over health insurance, and then get injured in a wreck, the cost gets passed along to the public.

Too funny.

In other words you want to assume that everyone will sooner or later get in a wreck -- a highly flawed worst case scenario -- and pass along those costs (in the form of redistribution) to actual taxpayers right now by forcing the purchase of an insurance product that may never be used, ever, by a purchaser to cover the costs of a car wreck.

Get some new comfortable shoes real quick so your feet won't hurt standing in the bread lines.

Love it, LOVE IT, when Sam and the other members of the Obama personality cult pass along that Kaiser calculator because it shines the light on the idiocy of braying Donkeys.

Family of 4 makes $94,200 and receives a 27% subsidy. Same family makes $94,201 and receives NO subsidy at all.

Brilliant! Donkey Brilliant!

In other words you want to assume that everyone will sooner or later get in a wreck -- a highly flawed worst case scenario -- and pass along those costs (in the form of redistribution) to actual taxpayers right now by forcing the purchase of an insurance product that may never be used, ever, by a purchaser to cover the costs of a car wreck.

No, but I assume that SOME citizens will, and when they do, I prefer that they have private health insurance (assuming they are not already on Medicaid). Don't you? And it doesn't have to be a car wreck. Any injury, cancer, diabetes, heart attack/stroke, MS, Parkinson's, ALS.

what are the plans benefits? deductible, out of pocket, co-pays etc? you think people who get treated at the ER for free are going to pay a monthly premium and pay a co-pay now?

If they don't get coverage, they will pay the penalty... which I hope will increase over time.

That's IF they file taxes. The first year is $95. That's YEAR not a month.

I know how insurance works and I understand why it's good to have it. I have a good bit of it myself. However, I chose to buy it, and there are insurance products available that I choose not to buy. I suggest you fight for a tax increase to be used for Medicaid funding if you are worried that someone without insurance won't be able to afford emergency care.

This isn't about people already on Medicaid or Medicare, nor is it about people who will end up on Medicaid. It's not about people who already have health insurance through their employers and will be continuing that coverage, albeit with a price increase much like all the other price increases they've paid since President Obama was smoking pot at his fancy private school in Hawaii. This is about the people who don't qualify for Medicaid, even under the expanded programs some states are foolishly offering, and who don't have insurance through their places of employment. There are lots of people like this, and the goal is not to provide them with health insurance as it is to redistribute wealth to them, further eroding the middle class, because that's who has to pay for something of this magnitude.

Don't want Young Healthy Man's emergency health care to be paid for by the taxpayers? Let him die. Change the Medicaid rules if you don't like them, but don't force Young Healthy Man to buy anything he doesn't want to buy.

NBC News: President Obama Lied

President Obama repeatedly assured Americans that after the Affordable Care Act became law, people who liked their health insurance would be able to keep it. But millions of Americans are getting or are about to get cancellation letters for their health insurance under Obamacare, say experts, and the Obama administration has known that for at least three years.

Bill: This isn't about people already on Medicaid or Medicare, nor is it about people who will end up on Medicaid.

I disagree with that. For me, requiring people who can afford it to buy health insurance keeps people off of Medicare/Medicaid when a health disaster inevitably strikes. If/when your "healthy man" gets injured or is diagnosed with cancer/diabetes/has a heart attack, he will end up bankrupt and on Medicaid/Medicare.

Which part of that do you disagree with?

October 28, 2013 at 5:31 PM = beyond hope

The penalty in 2014 is calculated one of 2 ways. You’ll pay whichever of these amounts is higher:
•
1% of your yearly household income. The maximum penalty is the national average yearly premium for a bronze plan.

•
$95 per person for the year ($47.50 per child under 18). The maximum penalty per family using this method is $285.


The fee increases every year. In 2015 it’s 2% of income or $325 per person. In 2016 and later years it’s 2.5% of income or $695 per person. After that it is adjusted for inflation.

If you’re uninsured for just part of the year, 1/12 of the yearly penalty applies to each month you’re uninsured. If you’re uninsured for less than 3 months, you don’t have a make a payment.

It is a no-brainer if you are young and healthy. Pay the penalty and skip the insurance. Plus, if you adjust your payroll withholding correctly, the IRS will not be able to collect the penalty from you.

5:31, I don't disagree with any of it. You're exactly right, but that's a Medicaid eligibility issue. Change the rules so Young Healthy Man knows he won't qualify for Medicaid under the scenarios you describe and will be facing bankruptcy over his hospital bills and maybe he'll decide to buy health insurance without being forced by the federal government. As 1:48 above pointed out, millions upon millions of young healthy people make it all the way to Medicare without a single "inevitable disaster" and do just fine paying for routine care out of their pockets. Those people are the ones the Obama administration is forcing to pay for the ACA, and that's my protest.