Displaying 2 Forum Posts 
  • Nov 17, 2015 02:58 PM
    Last: 2yr
    7.5k
    It's as easy as ever to sign up for health care as long as your income and circumstances fall within the lines drawn by the buerocratic machine, and you live in the right state. Otherwise it's cheaper to risk paying the penalty down the road. The market place provides me with plans whose premiums are higer than my gross income, and deductibles that are that much more again. I dont qualify for Medicaid in my state. My income is to low for tax credits to apply. And as I said, premiums exceed my gross income. Yeah it's exactly as easy as it was last year to.sign up. I could at least afford a small policy before the "afforable" health care act, but oddly those policies are no longer available. This entire system is a disaster, and a money eating machine.
  • Jul 27, 2015 03:55 PM
    Last: 17d
    16k
    The problem with the entire health care system now, is that there is not enough money in the system, and not enough money available in the economy to provide all the servicess, promised, and now demanded by tax payers, and there never will be. The problem is compounded by people like me who simply can not afford the premiums of plans I qualify for, because my income is to small for tax credit help, and live in states without expanded Medicaid benefits. Universal health care was presented to us as a way of controlling health care costs, and making health care available to us all. Of those I've spoken with, I have yet to talk to anyone whose costs have gone down, or their benefits have improoved other than those who are now on medicaid and had no coverage. So not only have the premiums increased for those who buy their own insurance, but they are also paying more into Uncle Sam for medicaid benefits. And those of us who fall in the middle are subject to $5000 fines for not signing up, which in my case is more affordable than the costs of insurance, particularly when you figure in the out pocket expenses before using the coverage. And the plain truth is there is no way to fix it without wrecking the ecconoky long term. I'm not ever going to complain about my station in life, because even though I've been dealt a few bad hands through the years. I paid my own though and now our government has forced me into a position of having to going on the dole, which I apparently would need to find a state where a lower leg amputation qualifies you for medicaid, or work harder so I can at least afford the $5000 penalty. I'm not alone. Even though the others like me that I know are from small town or rural locations, where our costs of living are much less, the rates of market place plans are often more than our gross income. Check the number of uninsured. Most are not without coverage because they want to be. We can discuss fixing this mess for the next five decades, but everyone can not recieve the same level of heathcare and have the overall level rise. There is simply not enough money in the world to provide everyone the finest care available, but with government controlling the system we are all going to receive expensive inferior care. I accept the fact that at some point I may die because I can afford care, and at some point in the future, if we continue down this path, many people will face that prospect, becausse government can not provide us with new expensive care, and insurance companies are not going to bankrupt themselves. I could afford a policy for a catastrophic care policy in the past and small emerceny policy, but those are no longer available, so now all I have is life insurance to help pay after I leave the building. I've wrote most of this waiting to see my prothletist about getting a new leg built, which insurance is not going to cover. Medicare and most insuranc will pay $14,000 for the leg I need. Since I'm paying cash I'll get it done for about $8,900 whch should say a lot about health care in this country.