How Is Obamacare Working Out for You?

[Rupert Pupkin]

Originally Posted by GenuineRisk

Sweet Jesus. Do you have any idea what a crappy plan you were buying from them? An almost $9,000 deductible per year? Was there a lifetime cap on it after that? The reason many of these low-premium, high deductible plans were ended is because they were TERRIBLE. They were the Yugos of the health care industry (to show my age).

Rupert, none of us are getting any younger. At this point you should be on your knees, thanking the ACA for requiring young, healthy people to get insurance, because that's what brings the rates down on older folks. The ACA is what will keep health insurance even possible for you.

You honestly think Anthem wants you as a customer? Please. They want young non-smoking men in their 20s. That's it. No olds, no people with chronic conditions and no women who have an annoying habit of getting pregnant and having expensive babies. THEY DO NOT WANT PEOPLE WHO ACTUALLY NEED HEALTH CARE.

You didn't answer my early question- how did you vote on Prop 45, which would have made it illegal to arbitrarily raise health care premiums by 15 or 20 percent? How did you vote on it?

I'm sorry about your miscarriage. That is a shame.

I don't remember Prop 45 at all. I usually remember most propositions. I would think I would have had to vote yes on it. How could anyone be in favor of insurance companies raising rates by huge amounts? Are you sure that there wasn't more to the proposition? I don't know how a proposition like that could have lost. Although the prop about labeling GMO food lost, so it shows you that the voters can easily be fooled by tons of misleading advertisements by one side.

With regard to having a really high deductible and a low premium, I think that is the way to go for a really healthy person. For me, the point of insurance is to insure against a catastrophic illness. My medical bills are extremely low. I take good care of myself. I eat right and exercise daily. Even though I'm in my 40s, my blood pressure is 105 over 70. I certainly don't want to pay $4,500 a year for insurance when my medical bills are typically less than $1,000 a year.

With regards to what you were saying in another post about an emergency room visit, if I have a cheap deductible I am saving close to $2,000 a year. When my monthly premium dropped from $520 a month to $210 a month, I was saving $3,600 a year. So over just a 3 year period, I was going to save almost $10,000. I would have no problem spending $2,000 on an emergency room visit once every 5-10 years. I would much rather do that than spend an extra $2,000-$3,000 a year on premiums.