Completed my Application at healthcare.gov

[bleedingpurple]

I have fully completed my application, but have not officially signed up, just comparing as suggested by my employer. The process took me about 20 minutes and was fairly easy. Now I am single with no dependents and there were several options that I qualified for. State is Wisconsin

Bronze Packages were available to me with monthly premium average of $270.. All of these had a $5000 - $6000 deductible. Can't remember what the most out of pocket expense could be.

Silver Packages were also available with monthly premiums in $330 range. Deductibles were $2,000 - $3,000 with most out of pocket expense of $6600

My employer health care is changing, so I have yet to see what that is about, but now I am paying in about the same as the bronze package with about the same coverage.

There were many dental plans available too. I think I seen $25 per month with $250 deductible and $35 per month with $100 deductible.

So for a 40 year old single guy the premiums and coverage are a decent deal. I would opt for the Silver Package, I did not qualify for the gold package.

My buddy with a family of 4 is going to go on tonight and see what he comes up with, be interesting to know what it is at

 

[hedgehog]

I have fully completed my application, but have not officially signed up, just comparing as suggested by my employer. The process took me about 20 minutes and was fairly easy. Now I am single with no dependents and there were several options that I qualified for. State is Wisconsin

Bronze Packages were available to me with monthly premium average of $270.. All of these had a $5000 - $6000 deductible. Can't remember what the most out of pocket expense could be.

Silver Packages were also available with monthly premiums in $330 range. Deductibles were $2,000 - $3,000 with most out of pocket expense of $6600

My employer health care is changing, so I have yet to see what that is about, but now I am paying in about the same as the bronze package with about the same coverage.

There were many dental plans available too. I think I seen $25 per month with $250 deductible and $35 per month with $100 deductible.

So for a 40 year old single guy the premiums and coverage are a decent deal. I would opt for the Silver Package, I did not qualify for the gold package.

My buddy with a family of 4 is going to go on tonight and see what he comes up with, be interesting to know what it is at

5000-6000 DEDUCTIBLE IS RIDICULOUS LOOKS SHITTY TO ME, I would pay the fine before I paid for that. Silver is reasonable though

 

[bleedingpurple]

5000-6000 DEDUCTIBLE IS RIDICULOUS LOOKS SHITTY TO ME, I would pay the fine before I paid for that. Silver is reasonable though

What do you think I'm paying $270 per month now for? Yep $5000 deductible, been doing tgat for 3 years.

I would pay the extra $60 for the silver plan

 

[Penguinfan]

What do you think I'm paying $270 per month now for? Yep $5000 deductible, been doing tgat for 3 years.

I would pay the extra $60 for the silver plan

Seriously or are you just another politics forum troll?

 

[hedgehog]

Seriously or are you just another politics forum troll?

He has been posting in politics for a long time, we may not agree much politically but he is one of the few in here that is reasonable

 

[bleedingpurple]

Seriously or are you just another politics forum troll?

I am at a loss to this? I am paying the same now for about the same plan I can get through ACA. I can pay a little bit more and get a better plan. I am not really trolling, I guess I should of been more clear, I was wondering about other's experiences and what their family coverage has to offer, I know it depends on income as well. Buddy of mine is really sweating it out, but he hates Obama so much he won't look into it.

 

[Penguinfan]

I am at a loss to this? I am paying the same now for about the same plan I can get through ACA. I can pay a little bit more and get a better plan. I am not really trolling, I guess I should of been more clear, I was wondering about other's experiences and what their family coverage has to offer, I know it depends on income as well. Buddy of mine is really sweating it out, but he hates Obama so much he won't look into it.

OK, I was curious because these prices are crazy high IMO. Last year I paid $190/month out of my paychecks, which I believe was pre-tax, for $1000 deductible. I'm married with two kids.

This year that went up to $210/month out of my checks and $2000 deductible. I feel like I got killed in the deal because of BHO and his ACA plan, and I'm nowhere near the prices his plan is charging.

I'm curious as to what kind of subsidiary you qualify for at those prices? If you don't want to say I understand.

 

[bleedingpurple]

I do not qualify for subsidized

 

[theGibber1]

I have fully completed my application, but have not officially signed up, just comparing as suggested by my employer. The process took me about 20 minutes and was fairly easy. Now I am single with no dependents and there were several options that I qualified for. State is Wisconsin

Bronze Packages were available to me with monthly premium average of $270.. All of these had a $5000 - $6000 deductible. Can't remember what the most out of pocket expense could be.

Silver Packages were also available with monthly premiums in $330 range. Deductibles were $2,000 - $3,000 with most out of pocket expense of $6600

My employer health care is changing, so I have yet to see what that is about, but now I am paying in about the same as the bronze package with about the same coverage.

There were many dental plans available too. I think I seen $25 per month with $250 deductible and $35 per month with $100 deductible.

So for a 40 year old single guy the premiums and coverage are a decent deal. I would opt for the Silver Package, I did not qualify for the gold package.

My buddy with a family of 4 is going to go on tonight and see what he comes up with, be interesting to know what it is at

Nice I was wondering if anyone had signed up yet. Currently I have insurance through my wifes job. Unfortunately do to rising costs a spouse wont be covered much longer. As a self employed guy Im on my own. It really rubs me the wrong way the govt forcing me to do anything but I do need insurance so here we are....

Looks like your costs stayed about the same. Thats good I guess I had heard horror stories. And not to leave the door open for Skul here but what happened to the 2500 dollar annual savings? Wasnt this supposed to be cheaper for everyone? That being said if its about the same im ok with that.

Curious how it worked out for your buddy with family of four?

Thanks!

 

[Duff Miver]

ts about the same im ok with that.

Curious how it worked out for your buddy with family of four?

Thanks!

It depends on the state you live in and family income. I put in average USA, $50K income, two adults + 2 children.

For a silver plan the annual premium is $8290 with a subsidy allowance of $4925, bottom line is $3365/yr, $280/month.

Here's a link, you can input whatever parameters you like -

http://kff.org/interactive/subsidy-...e-plan-family=individual&adult-count=2&adults[0][age]=21&adults[0][tobacco]=0&adults[1][age]=21&adults[1][tobacco]=0&child-count=2&child-tobacco=0

 

[theGibber1]

It depends on the state you live in and family income. I put in average USA, $50K income, two adults + 2 children.

For a silver plan the annual premium is $8290 with a subsidy allowance of $4925, bottom line is $3365/yr, $280/month.

Here's a link, you can input whatever parameters you like -

http://kff.org/interactive/subsidy-...e-plan-family=individual&adult-count=2&adults[0][age]=21&adults[0][tobacco]=0&adults[1][age]=21&adults[1][tobacco]=0&child-count=2&child-tobacco=0

Had to read this twice... No curse words. It was a bit jarring. Lol

Thanks!
Ill try this tonight.

 

[THE KOD]

it couldn't be that it will be about the same payments and deduct could it ?

the neo cons will just shit themselves when this works out for most Americans. It will come down as all Americans are on the program.

 

[Skulnik]

it couldn't be that it will be about the same payments and deduct could it ?

the neo cons will just shit themselves when this works out for most Americans. It will come down as all Americans are on the program.

:mj07:

 

[THE KOD]

"You won?t hear many Republicans say it, but Mitt Romney?s health-care insurance program in Massachusetts, seen as a model for the Affordable Care Act, has been largely successful and popular.

At first, there was a lot of skepticism in Massachusetts ? from those on the right against ?socialized medicine,? and from those on the left pushing for a single-payer system..."

http://m.csmonitor.com/USA/DC-Decod...s-for-today-s-shutdown-debacle-video/(page)/2

And one from Forbes: http://www.forbes.com/sites/leonard...nt-be-shuttered-if-obamacare-were-romneycare/

 

[Cie]

I answered the questions and checked off that employer healthcare is not provided. We have coverage thru my wife's employer, children's hospital. This is what I was quoted:


You could receive a government tax credit subsidy of up to:$0 per year
(which covers 0% of the overall premium) Amount you pay for the premium:$10,655 per year
(which equals of your household income and covers 100% of the overall premium)
OTHER LEVELS OF COVERAGE

The premium amounts above are based on a Silver plan. You could purchase other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).

For example, you could enroll in a Bronze plan for about $7,507 per year (which is
of your household income). For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.

OUT OF POCKET COSTS

Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $12,700. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.

A Silver plan has an actuarial value of 70%. This means that for all enrollees in a typical population, the plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.

OTHER COVERAGE OPTIONS

Children and young adults under age 30 are eligible to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014). However, preventive services are covered with no cost sharing required.

 

[Cie]

If I had to rely on this system, my coverage would include higher OOP maximum and cost would be several times what I was quoted 3 years ago through Humana when my wife considered leaving her job.

The part I do not like is the lack of available subsidy for those in my income group, which I feel is middle class.

 

[saint]

If I had to rely on this system, my coverage would include higher OOP maximum and cost would be several times what I was quoted 3 years ago through Humana when my wife considered leaving her job.

The part I do not like is the lack of available subsidy for those in my income group, which I feel is middle class.

Cie,

i've stated the same a bunch of times. I do not qualify for anythig as a self-employed person so I will be paying basically what you were quoted. 10k or so in premiums and OOP max at 12,700.

I don't want maternity coverage for my kids. I don't need dental- I certainly understand making certain benefits mandatory but some of them go overboard.

I've said it probably 3 times here at the very least. No subsidies over 90k for a family of 4. Yet their premiums will go up roughly 200% at the least and their deductible and oop max will skyrocket. This isn't political to me. This is plain and simple. This is going to CRUSH the middle class. The same people responsible for the economy finally turning the corner.

I guess people still have their heads in the sand but once Jan 1 rolls around it will be different.

 

[Skulnik]

I realize that BleedingPurple posted this in Political, but this kind of thread would be HELPFUL to most people in the General Forum, where it would get more VIEWS.

Not Bitching, just stating the obvious.

 

[Trampled Underfoot]

If I had to rely on this system, my coverage would include higher OOP maximum and cost would be several times what I was quoted 3 years ago through Humana when my wife considered leaving her job.

The part I do not like is the lack of available subsidy for those in my income group, which I feel is middle class.

The median household income in the US is around 50K. How do you figure 200K is middle class?

 

[hedgehog]

200k per year for a couple is not middle class :facepalm: your wife must have a hell of a good job