Author Topic: Will I ever be able to get health insurance?  (Read 16217 times)

Gin1984

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Re: Will I ever be able to get health insurance?
« Reply #50 on: March 05, 2015, 07:47:35 AM »
I will tell you my son's experience because it is much closer to yours than my own.   He is 29.   He had been paying $150/month for a private health insurance policy.  His policy was grandfathered, so he kept it last year (If you like your policy you can keep your policy,  no, it's canceled, wait, you can keep it after all).   This year he got a part time low paying job, so he qualifies for ACA subsidies.   His new ACA policy has a list price of $250/month but he is paying $46/month.    ACA definitely sucks big time for people who don't make enough money to qualify for subsidies and live in a state where they cannot get Medicaid.   It also sucks for people who make just too much to qualify for subsidies because the policies tend to have higher list prices.
Really?  You have a source for that.  Because it is false.  Health insurance, if you were not 100% healthy and remember they could kick you off if you got sick, has always been expensive.  Comparing employer based insurance to the exchanges, in the same states, they are not much different (if you take into account the increase in historical premiums).

netskyblue

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Re: Will I ever be able to get health insurance?
« Reply #51 on: March 05, 2015, 08:24:12 AM »
A year ago I was a completely healthy 30 year old.  Never, ever sick.   Literally, my only use of health insurance was my annual women's exam and birth control.

Then on Easter Sunday I went outside to play with my parents' dog.  In a freak accident, I fell and shattered my femur.  2 ambulance rides, X-rays, surgery, a rod & 2 screws through my leg, 3 days in the hospital, several bags of blood, months of physical therapy, more months of chiropractic care, and I STILL can't walk quite right.  Over $70,000 worth of care. 

But still some small part of me feels like I "won."  I was a good risk for the insurance company.  The likelihood of their having to pay out more than I paid in premiums was low.  If something like that happened to you, you'd have to pay premiums for over 20 years to equal what they paid out for one accident.

Sibley

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Re: Will I ever be able to get health insurance?
« Reply #52 on: March 05, 2015, 09:09:24 AM »
I will tell you my son's experience because it is much closer to yours than my own.   He is 29.   He had been paying $150/month for a private health insurance policy.  His policy was grandfathered, so he kept it last year (If you like your policy you can keep your policy,  no, it's canceled, wait, you can keep it after all).   This year he got a part time low paying job, so he qualifies for ACA subsidies.   His new ACA policy has a list price of $250/month but he is paying $46/month.    ACA definitely sucks big time for people who don't make enough money to qualify for subsidies and live in a state where they cannot get Medicaid.   It also sucks for people who make just too much to qualify for subsidies because the policies tend to have higher list prices.

I've seen in the news that more states are giving in and expanding Medicaid, so that helps on that end.

For the fact that policies cost more - of course they do. They cover more, including people that previously either would have paid obscene premiums or would have been denied coverage entirely.

The ACA stuff is new. The insurance industry is in turmoil adjusting, and the political dust hasn't settled yet. The current framework has problems, so expect changes. If nothing else, it'll be amusing (in a sick, sad way because I don't like either party) to see the blowback that happens if the Republicans scrap ACA. I can see the commercials now "Grandma didn't have insurance for years, and finally got it because of ACA. Then [insert name] took it away, and grandma's real sick and can't afford the doctor..."

GuitarStv

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Re: Will I ever be able to get health insurance?
« Reply #53 on: March 05, 2015, 09:39:21 AM »
Please forgive my ignorance . . . but my understanding of Health practices in the US are that health care is private and must be paid for, but is provided at emergency rooms to people who have no means to pay.

If you want to avoid buying health insurance couldn't you just leave all your identifying information at home and collapse at the nearest ER when in distress?

bacchi

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Re: Will I ever be able to get health insurance?
« Reply #54 on: March 05, 2015, 10:28:49 AM »
Please forgive my ignorance . . . but my understanding of Health practices in the US are that health care is private and must be paid for, but is provided at emergency rooms to people who have no means to pay.

If you want to avoid buying health insurance couldn't you just leave all your identifying information at home and collapse at the nearest ER when in distress?

If a hospital accepts Medicare, ER has to treat an emergency. They won't treat, for example, cancer.

sol

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Re: Will I ever be able to get health insurance?
« Reply #55 on: March 05, 2015, 11:03:51 AM »
This thread confused me at first.  OP seemed to be saying that with the new ACA he could buy insurance but didn't want to, without recognizing that before the ACA there were millions of people who could not buy health insurance at any price due to pre-existing conditions.

Right now all Americans can get health insurance for the first time in history.  So the obvious answer to the original question is YES you can now get health insurance.  Uncle Sam will even help you pay for it.

Gin1984

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Re: Will I ever be able to get health insurance?
« Reply #56 on: March 05, 2015, 11:16:19 AM »
Please forgive my ignorance . . . but my understanding of Health practices in the US are that health care is private and must be paid for, but is provided at emergency rooms to people who have no means to pay.

If you want to avoid buying health insurance couldn't you just leave all your identifying information at home and collapse at the nearest ER when in distress?

If a hospital accepts Medicare, ER has to treat an emergency. They won't treat, for example, cancer.
And they only have to stabilize you, nothing else. 

paddedhat

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Re: Will I ever be able to get health insurance?
« Reply #57 on: March 05, 2015, 11:38:21 AM »
Meh.


LOL.  Predictable, but still a good laugh.

GuitarStv

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Re: Will I ever be able to get health insurance?
« Reply #58 on: March 05, 2015, 12:20:14 PM »
Please forgive my ignorance . . . but my understanding of Health practices in the US are that health care is private and must be paid for, but is provided at emergency rooms to people who have no means to pay.

If you want to avoid buying health insurance couldn't you just leave all your identifying information at home and collapse at the nearest ER when in distress?

If a hospital accepts Medicare, ER has to treat an emergency. They won't treat, for example, cancer.
And they only have to stabilize you, nothing else.

So in the US ERs they'll let you die of cancer, but not of a gun shot wound?

Sibley

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Re: Will I ever be able to get health insurance?
« Reply #59 on: March 05, 2015, 12:29:39 PM »
Please forgive my ignorance . . . but my understanding of Health practices in the US are that health care is private and must be paid for, but is provided at emergency rooms to people who have no means to pay.

If you want to avoid buying health insurance couldn't you just leave all your identifying information at home and collapse at the nearest ER when in distress?

If a hospital accepts Medicare, ER has to treat an emergency. They won't treat, for example, cancer.
And they only have to stabilize you, nothing else.

So in the US ERs they'll let you die of cancer, but not of a gun shot wound?

If you meet the requirements, you can get government provided health insurance (Medicare or Medicaid). If you don't qualify and don't choose to buy insurance, then yes, that could happen. It's not perfect, but ACA has been a step in the right direction at least.

GuitarStv

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Re: Will I ever be able to get health insurance?
« Reply #60 on: March 05, 2015, 01:13:11 PM »
It just seemed weird to me that the ERs will treat some conditions for free but not others.

Gin1984

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Re: Will I ever be able to get health insurance?
« Reply #61 on: March 05, 2015, 01:35:41 PM »
It just seemed weird to me that the ERs will treat some conditions for free but not others.
The law requires them to treat all emergencies regardless of ability to pay, if it is not an emergency you should not be going to the emergency department.  You still owe the money but they can write off the loss on their books (for taxes) and they do that based on ability to pay.

Sibley

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Re: Will I ever be able to get health insurance?
« Reply #62 on: March 05, 2015, 01:46:34 PM »
It really comes down to what an Emergency Room's purpose is. ERs are not meant to be ongoing care providers. They're the "I'm hurt or sick suddenly out of the blue, it's bad and I need to see a doctor asap" place. But they then transition you to somewhere else, who will do the ongoing care.

You break a bone, yes they stabilize you and set the bone. But they don't do the follow up care, make sure it's healing right, remove the cast, etc. That's not their job.

Say you get extremely ill suddenly, like with diabetes. The ER will see you, try to figure out what the problem is and stabilize you. But then it's turned from an emergency to long term management and care. Not their job - by design.

The problem is when people don't have access to medical care on a regular basis, they start to treat the ER differently. Ideally, if you have diabetes, that should have been identified by your PCP, who would have started the treatment so it didn't become an emergency.

But because sometimes things do happen unexpectedly - like some illnesses, or injuries, you need a place for urgent, unexpected care. That's the ER.

beltim

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Re: Will I ever be able to get health insurance?
« Reply #63 on: March 05, 2015, 02:00:54 PM »
Please forgive my ignorance . . . but my understanding of Health practices in the US are that health care is private and must be paid for, but is provided at emergency rooms to people who have no means to pay.

If you want to avoid buying health insurance couldn't you just leave all your identifying information at home and collapse at the nearest ER when in distress?

If a hospital accepts Medicare, ER has to treat an emergency. They won't treat, for example, cancer.
And they only have to stabilize you, nothing else.

So in the US ERs they'll let you die of cancer, but not of a gun shot wound?

Oddly enough, the US has better cancer care than Canada (indeed, better than most of the rest of the world, depending on type of cancer):
http://www.cancer.org/acs/groups/content/@epidemiologysurveilance/documents/document/acspc-027766.pdf
http://www.webmd.com/cancer/news/20080716/cancer-survival-rates-vary-by-country
http://theincidentaleconomist.com/wordpress/how-do-we-rate-the-quality-of-the-us-health-care-system-disease-care/

merula

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Re: Will I ever be able to get health insurance?
« Reply #64 on: March 05, 2015, 09:11:09 PM »
It just seemed weird to me that the ERs will treat some conditions for free but not others.

The tow truck driver will give you a jump, but he's not going to fill your tank and change your oil.

randymarsh

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Re: Will I ever be able to get health insurance?
« Reply #65 on: March 08, 2015, 09:20:24 PM »
It just seemed weird to me that the ERs will treat some conditions for free but not others.

They didn't even have to do that until 1986. http://en.wikipedia.org/wiki/Emergency_Medical_Treatment_and_Active_Labor_Act

It's also not really free. Patients are legally responsible for payment. Much of this debt will end up charged off though.

BCBiker

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Re: Will I ever be able to get health insurance?
« Reply #66 on: March 13, 2015, 08:07:51 PM »
It just seemed weird to me that the ERs will treat some conditions for free but not others.

As thefinancialstudent notes, it is not free.  In fact many people in the US go through bankruptcy as a result of required emergent care provided in the ED. Dead or bankrupt? Pretty crappy choice...

Obamacare will likely reduce the number of folks who end up in this situation by requiring (potentially poorly enforced, we shall see...) people to be insured.

Despite our good numbers on cancer care, it should be noted that the people with inadequate access in the past definitely receive care far inferior to places like Canada (and well every other advance country) that guarantees care to its citizens.

BCBiker

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Re: Will I ever be able to get health insurance?
« Reply #67 on: March 13, 2015, 08:10:33 PM »
Lots of good information and input on this topic. First I'd like to apologize for my absence since starting this topic. I'm glad I have been to busy to post but this forum has the best collection of knowledge I've found online so I can't stay away long!

In a most unlikely turn of events, I am now fully insured under the ACA. I guess it was just something new that didn't sit well with me, since I now have a near $200/month payment where there was no payment before. I think any Mustachian can relate. As of three days ago I am covered for all the future illness and disease that has been building up for the past 31 years. Even Obama sent me a personal letter of thanks for my support of his program. Just kidding about that one, of course! :)

I guess there is nothing to do now but post back when this plan actually saves me money. Here's to good health and a long frugal life!

Awesome to read! I'm glad you came around! I think this thread could serve a lot of people.  I emailed MMM himself about potentially writing a guest post spin off of this thread.  He tentatively agreed. I just have not had time to organized it properly.

Sibley

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Re: Will I ever be able to get health insurance?
« Reply #68 on: March 22, 2015, 03:43:24 PM »
The supreme court may mess things up though, depending on their ruling. If they eliminate the subsidies unless your state runs the marketplace, then things are going to be very interesting. I suspect that if that happens, Congress will have to put a patch in - the negative publicity will be extreme.

cbgg

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Re: Will I ever be able to get health insurance?
« Reply #69 on: March 22, 2015, 07:10:47 PM »
We spend around $500,000,000,000.00 more than we have every year as a nation.

Don't tell me "Obamacare depends on people who can afford coverage to pay for it so that the rest of us don't have to bail you out by indirectly paying for uncompensated care"

because this nation runs on funny money anyway

How about we just pay for it with inflation, so everybody pays, instead of unfairly taxing the young and the healthy that had nothing to do with pre-existing conditions that may or may not (plenty both ways) have anything to do with poor life/health choices...

(EDIT: I just want to say, I hope I'm not offending anyone with what I'm saying...  I'm just trying to consider all sides of the issue and don't mean to offend)

I can't tell if you are being sarcastic…I hope you are?  If you aren't…WTF?  You're thinking is totally illogical.