Family health insurance notification last week.

[palepainter]

Anyone else? After holding the same police for nearly 15 years, paying upwards of 7600 a year, I was given notice my police with no longer be in compliance with the AFA. It has been climbing in price for the past 4 years. Really pissed off. Anyone else been cancelled and what are your plans if so?

[Bailey Guns]

Obviously, you're wrong. Because I heard the president say several times over many months, "If you like your doctor you can keep your doctor. If you like your health plan you can keep your health plan. Period."

You should probably re-read the letter until you understand.

[/sarcasm]

[hurley842002]

Obviously, you're wrong. Because I heard the president say several times over many months, "If you like your doctor you can keep your doctor. If you like your health plan you can keep your health plan. Period."

You should probably re-read the letter until you understand.

[/sarcasm]

This ^^^ Obama would NEVER lie, and to think otherwise makes you a racist!

On a serious note, sorry you fell victim to the BS, I think many of us are just waiting for the letters...

[Robb]

Mine is also cancelled at the end of the year. I'm still holding out hope I can find a real job with real insurance. If not I may be forced to enroll in Oblamer care. Not sure what else to do, but I haven't looked into it yet. From what I've seen all the AFA is is just catastrophic insurance, with the high deductables it doesn't really do me any good unless i have a heart attack or get cancer, I'll still be paying for everything out of pocket.

Someone educate me.

[kawiracer14]

I received the notice a while ago as well. For mine, I was able to keep it for another year before it is canceled completely.

There are different levels of insurance in the market place - starting with Bronze (I think) and going up to Platinum. The better the coverage, the higher the level, and of course price. They should all include preventive care and coverage for things like heart attacks and cancer - your level depends on how much of a deductible you will have and your total coverage.

It will likely be more expensive than what you're paying right now unless your income is low enough to qualify for tax rebates.

[palepainter]

That is what mine is right now. Catastrophic, 6500 deductible. I pay for all office visits and full payment for services and prescriptions. That privilege cost me 7600 a year right now.

[mahkcod]

I'm sorry to hear some of our members are feeling the pain already. I don't think it will be more than a year and many more of us will be getting forced off our employers plans to the market as well.

[Great-Kazoo]

If you don't travel out of state often, look at one of the PPO, HMO's.

[losttrail]

Myself and our daughters are currently covered under my wife's employer coverage. We just went through the sign-up process as usual.

But I imagine that next year we will be told that costs are so high that her employer will be dropping coverage.

It is Marxist-Mulim Obama's plan. This is not ineptitude, stupidity, lack of understanding of healthcare. This is a well thought-out plan to get the government in control.

[mountainjenny]

I received my letter back in August. I knew it was coming, they kept sending letters changing my plan and price to meet the ACA requirements. Turns out Rocky Mountain Health Plans has dropped all their grandfathered and non grandfathered plans.

I've been searching for insurance, but all the plans I find are on the exchange. Even plans I find that are offered by specific carriers are the same as the plans on the exchange.

I contacted a health insurance broker and he over enthusiastically told me how much ACA was going to save me and what a large tax payer subsidy I qualify for (almost 200 a month). I really don't want a plan that is tax payer subsidized, but the plans are so expensive I'm not sure I can afford one without the subsidy.

I have about 45 days to figure out what to do about healthcare.:(

[MarkCO]

Mine is cancelled too (HDHP). I prepaid my premium in September to try and save some $ and in "hope" that I can have a bit more time to figure out what is in the bill. :( Anyway, my HI carrier will keep that in place until the last day of September 2014.

[merl]

That is what mine is right now. Catastrophic, 6500 deductible. I pay for all office visits and full payment for services and prescriptions. That privilege cost me 7600 a year right now.

Does not meet minimum coverage levels. 'Hit by a bus' level coverage is no longer available.

Was not his statement more like "If you like your coverage you can keep it." ? If so you must not like your coverage. Even if you say you do, you just don't know any better and really don't.

[Gman]

Company I work for was one of the first 150 to get a waiver. Our high deductible plan healthcare used to look unappealing, but it's looking better by the day.
36291

[MarkCO]

This is one of the pages that just makes my blood boil: http://www.whitehouse.gov/ondcp/healthcare

[Skip]

Really sorry to hear this guys.

OP, take your preium and double it--that is what an ACA approved plan will cost you. I know because that is what I pay and I am close to not being able to justify it. My plan isn't changing, but I am one of the lucky ones who will continue to see premiums skyrocket.

If you are thinking about bending your knee and enrolling in Obamacare, I have mixed feelings. This is a manufactured crisis designed to get us all on Obamacare eventually. It's easy to say "screw 'em I won't do it" but it's much harder to risk a loved one's life and going without insurance.

This is where I say fighitng is easier, but the complancy/idiocy of the average Merican disagrees...

[sniper7]

My company still offers the same plans for next year and I'm all done signing up. Saw a slight increase in premiums for the same coverage.
sorry to hear for all the troubles, I expect nothing less from the chief idiot.

[merl]

This is one of the pages that just makes my blood boil: http://www.whitehouse.gov/ondcp/healthcare

Not into paying for addiction treatment you won't use?
(nor am I from general funds, that is the one acceptable use of a sin tax to me)

[Jim B]

I contacted a health insurance broker and he over enthusiastically told me how much ACA was going to save me and what a large tax payer subsidy I qualify for (almost 200 a month).

I think, AND I COULD BE WRONG (so don't take my word for it), you have to pay the premiums up front and get the "subsidy" at tax return time.

[merl]

I think, AND I COULD BE WRONG (so don't take my word for it), you have to pay the premiums up front and get the "subsidy" at tax return time.
Nah, the free money comes every month, it has to. I'd be interested to know the details on how (what happens if you don't pay for instance) but alot of people would be unable to pay and even more would be ready to tar & feather someone if the rebate came all at once.

[Rooskibar03]

$562 x twice a month (13,488 a year) for Shitty ass Kaiser for 3 people. Can't wait to see what next year brings.

[JMBD2112]

I think, AND I COULD BE WRONG (so don't take my word for it), you have to pay the premiums up front and get the "subsidy" at tax return time.

We had our annual insurance meeting this past Friday, everyone's rates doubled. But that question was asked, and I think that "subsidy" only applies if your employer doesn't offer insurance, at least according to the kaiser rep. Thank God I have VA coverage.

[sniper7]

$562 x twice a month (13,488 a year) for Shitty ass Kaiser for 3 people. Can't wait to see what next year brings.

Holy crap. I think at that point I would risk it. Do they have a health savings account option or something? At least then you could be saving money tax free for healthcare deductibles and copays

[MarkCO]

Not into paying for addiction treatment you won't use?
(nor am I from general funds, that is the one acceptable use of a sin tax to me)

Not really the amortization of addiction treatment, more the whole ball of wax. We have servicemen who can't get proper treatment, but I'll bet my bottom dollar that we are going to be significantly increasing "treatment" for other issues. While various "religious" groups have been offering (and for the most part helping) people with various mental, emotional and psychological issues for the last 200 years, the Federal Government is more and more forcing them out, hiring nanny state social workers and the results are getting worse. It is a brave new mess as I see it.

[Madeinhb]

We had our annual insurance meeting this past Friday, everyone's rates doubled. But that question was asked, and I think that "subsidy" only applies if your employer doesn't offer insurance, at least according to the kaiser rep. Thank God I have VA coverage.

The subsidies are only applied with individual plans. If you have insurance through employer, there are no subsidies. Except for people with Medicare.

[kawiracer14]

The other huge issue with this whole thing is the lack of correct information/amount of misinformation out there. It hasn't been well explained to anyone and now you have until march to do it or pay the fee.

[merl]

Was there a provision that the portion your employer pays is going to become taxable income? I seem to recall some thing about that.


edit:
Seems to not have made it into the law.

Now in 2013 there are 4 items (maybe you could call them tax increases or deduction limits) that will be implemented: 1. Increase in Medicare tax on high-income taxpayers
2. Medicare contribution tax on investment income
3. Health FSA (Flexible Spending Accounts) limits decreased
4. Increase in medical itemized deduction threshold
High income being defined as 200k.

http://www.hhcpa.com/blogs/income-tax-accountants-cpa/patient-protection-and-affordable-care-act-new-taxes-part-i

[hghclsswhitetrsh]

Was there a provision that the portion your employer pays is going to become taxable income? I seem to recall some thing about that.

I remember there was talk of this. I would like to know as well.

[davsel]

Don't enroll.
Illegals have been receiving healthcare without insurance for generations.

When the money for the subsidies is not available, the whole scheme will come crashing down.

Disclosure: I have VA benefits.

[Rooskibar03]

Holy crap. I think at that point I would risk it. Do they have a health savings account option or something? At least then you could be saving money tax free for healthcare deductibles and copays

oh and did I mention $260 per month on co-pay for wife's RX. I haven't been to Dr all year nor has my daughter and wife is lucky if she gets to see psychiatrist 3 or times a year. It's a joke but its what comes with work.

FSA account maxes out at 2500 but we cannot get her RX without Dr. Kinda a royal PITA, company is full of old farts getting new hips, knees and other parts while we foot the bill. It's like a mini Obamacare system.

[merl]

Kinda a royal PITA, company is full of old farts getting new hips, knees and other parts while we foot the bill. It's like a mini Obamacare system.

At the other end of that scale is the business that are mostly staffed by young women. Baby after baby after baby. Thats how insurance works.

[Madeinhb]

I remember there was talk of this. I would like to know as well.

Only if your plan is considered a "Cadillac" plan

[Skully]

Ours went up 30% taking another $80 out of our monthly income.

[Beer]

[Gman]

Only if your plan is considered a "Cadillac" plan
...which is where the unions are really pissed. A bunch of them had Cadillac plans.

Some folks are healthy enough to opt out and pay the $95 penalty for the first year to see what changes come about next year.

The progressives that built this strategy say they need the young healthy people to pay in to offset for claims by older Americans. They also put in coverage under their parents' plans until age 26...which took them out of the insurance market. Brilliant!

This whole mess is unsustainable. It will come crashing down.

[Singlestack]

I'm on Cover Colorado, which is gone beginning in April. Decided to say on CC until then, Have to enroll in early March to be covered in April. Will be about a 30-50% premium increase for me, and much higher deductible.

One thing I'm considering is going without after April, and paying the penalty. Deductible is so high I will be paying out of pocket for everything, anyway. Plus, I can sign up right away if anything happens since pre-existing can't be denied coverage. The penalty will be MUCH lower than my premiums, and if anything serious really does happen, I can get signed up right away. Definitely F***ed up, but all of us are looking at the tradeoffs and alternatives. Just watched Terminator and think I could do X-acto surgery on myself if I had to. [Beer]

[jerrymrc]

Not really the amortization of addiction treatment, more the whole ball of wax. We have servicemen who can't get proper treatment, but I'll bet my bottom dollar that we are going to be significantly increasing "treatment" for other issues. While various "religious" groups have been offering (and for the most part helping) people with various mental, emotional and psychological issues for the last 200 years, the Federal Government is more and more forcing them out, hiring nanny state social workers and the results are getting worse. It is a brave new mess as I see it.

I think the big part is the no part as in we have no clue what we are going to do but we are thinking about it.[Flower]
The specific substance abuse services that will be covered are currently being determined by the Department of Health and Human Services, and will take into account evidence on what services allow individuals to get the treatment they need and help them with recovery.

[Great-Kazoo]

The subsidies are only applied with individual plans. If you have insurance through employer, there are no subsidies. Except for people with Medicare.

Providing they make under $xx. Which is very few, based on the paperwork they sent me. Own a house, disqualified.

[Big E3]

It's my understanding that if you don't get insurance and opt to pay the penalty, the only mechanism to collect the penalty is through the IRS. And the IRS can only do that by withholding your refund on a tax return, they can't bill you for the penalty. So it looks like you could just not get insurance and adjust your withholding from you check so you don't have a refund due at years end. Then if you get sick the new law says they can't deny coverage because of a pre-existing condition, so you get insurance then.

[palepainter]

I am truly hoping for more options by the time my plan collapses in June. We are just over 700 a month now as a family. Quite honestly, it is about all I am willing to absorb. It is a damn mess. My wife has been looking into a co-op plan with Christian Ministries who have some kind of exempt status. When I get more information, I will pass it along.

[BREATHER]

This IS bullshit... What they are really doing is putting all the crackheads, methfreak, deviants and criminals on MEDICAIDE.. Pure and simple. All the butt nuggets where I work are all getting on the MEDICAIDE..... As always, the DEMOCRAPS, are punishing the working citizen. Emperically even low level "civilian" dumbocraps punish the working man.... even punishing the people trying to get oof the dole.

[Mtn.man]

Signing up for the welfare/medicaid.

[kidicarus13]

One thing I'm considering is going without after April, and paying the penalty. Deductible is so high I will be paying out of pocket for everything, anyway. Plus, I can sign up right away if anything happens since pre-existing can't be denied coverage. The penalty will be MUCH lower than my premiums, and if anything serious really does happen, I can get signed up right away.

Sounds like a reasonable plan considering all of the other craptastic options. It's too bad good, honest people have to spend time figuring stuff like this out to make ends meet. Who benefits from Obamacare again?

[R&S]

this whole situation, like the current administration, SUCKS!