Is obama care un-american?

  • by dan
  • Nov 15,2017
  • 16 answers

I'm forced to pay about $12000 per year for health coverage that has a $2500 deductible. If I don't I have to pay a large fine. I have never in my life spent more than 6k in a year on health care and that year my insurance had a $6000 deductible. So, of coarse it didn't pay a penny. Due to my income I don't get any assistance with paying the 12k (because that assistance is all give to the people who arent earning it). Plus now that heath insurance is mandatory they can just charge whatever they want and I have to pay (No mater how much they're screwing me). They are taking more money from me than those welfare rats are making a year, and they get better coverage. This is taking away my right to choose. I can choose to smoke...or shoot myself in the face, but I can't choose to pay for my health care bills out of pocket. Which by the way I already am because I never exceed my deductible. I hope Trump proves to be smarter than I think


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Insurance Answers (16)

Jenny 3 days ago

Nope

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Love big words 3 days ago

Thank Nancy Pelosi

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kevin 4 days ago

No

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jakemcclake 4 days ago

No. It is American...for what that label is worth.
In 1986 the US of America came up with the Emergency Treatment and Labor Act (EMTALA) and in fact Ronald Reagan signed it into law.
This law forced hospitals to provide emergency healthcare for people who need it, regardless of whether the person can pay.
As a result many people in the US never bought healthcare insurance, and sent hospitals into tremendous debt. Hospitals responded by inflating their charges for people who paid for healthcare without healthcare insurance.
The Affordable Care Act attempted to fix this situation.
Hospitals were a major beneficiary of the Affordable Care Act
The mandate was an attempt to make people who could afford healthcare insurance pay for healthcare insurance, instead going into bankruptcy when a major medical issue came up, and not paying anything to the Hospital causing the hospitals to lose money as indicated above.
However, when they passed the ACA they also discussed the public option, (Medicare/Medicaid by in) which if it was enacted would have kept the price of healthcare insurance down. But they eventually decided to forgo the public option, allowing healthcare insurance to be ran by healthcare insurers only, which essentially resulted in the individual market we have today, with high premiums, high deductibles, and a lack of healthcare insurers. Healthcare insurance premiums are limited by the ACA to 125% the costs, so the healthcare insurers can not just charge whatever they want.
Republicans do not want to fix the ACA they simply want rid of the ACA, which will be worse than what is happening today.
However, when Democrats get back the majority in the House and Senate. they will eventually vote in the public option.
That will lower and limit the power of the healthcare insurance industry over this individual healthcare insurance market.
By the way Trump as the President of the US aside from executive orders interpreting various aspects of the ACA, can not do anything. It is not part of his job.

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abouzemaa 5 days ago

Bah oui , Obama est un americain

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Casey Y 5 days ago

While I don't inherently disagree with your argument, you are missing the true reason to have insurance. Its not about the "less than $6k in any year" you've paid in medical expenses...its for the one incident which would cost $600k...
So, unless a hospital can turn you away when that happens, you become one of those welfare rats you seem to dislike...unless you buy insurance...

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Donald B 5 days ago

But you voted for Hilary who you knew would keep Obamacare.

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H. Marie 5 days ago

in your case it would appear it definitely is not beneficial to you, to call it un American is hard to say, one has to define what American is
as for the Canadian and their socialized medicine, Natsha RIchardson is a prime example of the really great care that allows(or the lack of it, had she had American insurance she likely would not have died)
and as for waiting time, I used to frequent chat rooms where there were people in the UK who needed medical care but were waiting months for something in the US might have been a month at most just to see the doctor

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Leafsfan29-Embrace the dr 6 days ago

The ACA is the plan that the conservative Heritage Foundation championed. Your issue isn't with the plan, it's with the private insurance companies that set prices (a quick glance at earnings reports show that the private insurance companies are making billions).
Trump doesn't understand a damn thing about health insurance (or anything else- given that he's failed in nearly every venture he went into and is so toxic American banks stopped lending him money), and he hired a lobbyist from Big Pharma to take over HHS.
Look, I'm one of those socialist Canadians (actually I'm not- I'm conservative on some issues and liberal on others) who has insurance (and yes, I pay for mine through a deduction in my paychecque), and I don't pay anywhere near what you pay (and anyone telling you stories about 'oh but you have to wait for months to see a doctor' are pure fiction). You probably pay less in taxes than I do, but I know I'll have healthcare for the rest of my life. Things cost money.
In talking to Americans, the other issue is that people who get their insurance through their work are seeing skyrocketing premiums but nobody seems to want to take on the private insurance companies (and Trump is definitely not going to do a damn thing other than make it worse).
Now your government "could" lower the Medicare/Medicaid age to 25 or 30 (which would be far better than trying to create something from scratch) but there's no way that'll happen given how much money the health insurance industry and the pharmaceutical industry gives to your elected representatives.
Doesn't help when Trump takes away the subsidy payments which were helping to bring down costs through some executive order.
Part of me feels really bad for the people who voted for Trump who are going to get screwed over by him, but if you didn't look at his four decade long record of failed businesses, not paying suppliers/contractors/vendors, screwing over his business partners and all of the bankruptcy filings that American taxpayers paid for (not to mention his reprehensible behaviour) and go another direction, then this is what you get.

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Beverly S 6 days ago

Yeah if you are middle class ACA insurance absolutely sucks!

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A Hunch 6 days ago

You get the in-network rate for insurance, regardless of whether you have met your deductible. So home much would have the $6000 in medical bills cost you? $10,000 had you paid cash??
How old are you?
How many people are on your plan?
What is your deductible?
It's unbelievable that you have a high deductible plan and paying $1000 a month coverage for a single individual.

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StephenWeinstein 6 days ago

Actually, you have it backwards. Because of Obamacare, now they can't charge whatever they want. Obamacare set the maximum that they can charge at 25% over what they pay out in benefits, meaning the benefits have to be at least 80% of what they charge. Before Obamacare, they could charge whatever they want. Obamacare stopped that.
Before Obamacare, you couldn't "choose to pay for my health care bills out of pocket" for your entire life -- you could only choose to do that before they got too high.
They might be under $6000 a year now, and they probably will be for most of the years of your life.
But in the last year of a person's life, the medical bills tend to be at least a few hundred thousand dollars.
And for organ transplants and certain types of emergencies, the bills would be several million dollars. You couldn't choose to pay that, because you don't have enough money.

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dan 6 days ago

It's supposed to say I'm spending over $6000 per year not $12000. It 12000 for myself and my wife

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Oldlady 6 days ago

SO you think mooching off the public when you get sick is American because you are too cheap to have insurance?
I'm betting you never even went through the exchange because if you are paying that much, you are rich. By the way, the mandate you are whining about was a republican add on to Ocare.
And you are lying about welfare. You rich jerks get more welfare than the poor do.

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leah 6 days ago

America was built on invading, raping, and inslaving. I think you’ll be fine

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Amy 6 days ago

I'm only paying $3000 per year, so clearly you just picked a bad plan.
Making insurance mandatory is what would bring the price down, if healthy people would actually obey that law instead of expecting Republicans to destroy it.
Most importantly, the ACA expressly FORBIDS insurers from "just charging whatever they want." If they charge more than they actually spend on patients, they are required to refund you the difference.
Doctors can still charge whatever they want, because as long as insurance pays for it, people don't bother to question the price. High deductibles might ultimately reduce medical costs by making consumers care about price.

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