It's November 30th - Healthcare.gov still broken

[kid.fx.cross]

Quote from piezoe:

the insurance exchanges are a helter skelter mix, a total mess

We should have gone to a single payer, 80/20, medicare-like plan for most plus expanded medicaid for the indigent in all States Oh Well.

I hear ya, who's ideology does that violate?

and make it pay as you go, 100% flat tax

when costs goes up, taxes go up

then everybody from rich to poor is paying attention to the cost and tax debate

we are not talking about a lot of money here. Same with food stamps, just fighting over the crumbs

If everybody is so sick that they are all going to go bankrupt then it really isn't a population worth saving

otherwise, if I am paying for it, I would just as soon get rid of the middle man (namely, the insurance company, and for good measure you could throw in the federal reserve) and just pay directly to the doctor.

(I just mention the federal reserve, because they serve the same function as the insurance company, namely to smooth out the risk.)

 

[DHOHHI]

Quote from kid.fx.cross:

well, why not "choose" a $500k deductible? See how the bank goes for that

your deductible and the banks deductible are one and the same

if you can't cover the loss before the deductible is hit, that is the banks risk

if you have equity, no problem, they don't really care what happens to you and your equity

they require "mandate" you have coverage to protect their interest

You can't choose a deductible of $500K on a $500K house. There are rules on max amount. It can be a dollar amount of a percentage. Where I live our hurricane deductible is 2% whereas our deductible for other damage is a dollar amount.

http://www.forbes.com/sites/ashleae...omeowners-insurance-move-a-100000-deductible/

 

[kid.fx.cross]

Quote from DHOHHI:

You can't choose a deductible of $500K on a $500K house. There are rules on max amount. It can be a dollar amount of a percentage. Where I live our hurricane deductible is 2% whereas our deductible for other damage is a dollar amount.

http://www.forbes.com/sites/ashleae...omeowners-insurance-move-a-100000-deductible/

I know how you hate it when people don't answer you, so I will answer, "Make up your mind"

first you bitch that ACA doesn't allow you to choose your deductible like auto or homeowners, then you defend homeowners because "They have rules"

which is it?

what you are missing is, you are now a ward of the state, and soon instead of being pissed off that you have to pay for fat peoples health care, you will be bitching that the government is now telling you what you can eat

 

[DHOHHI]

Quote from kid.fx.cross:

I know how you hate it when people don't answer you, so I will answer, "Make up your mind"

first you bitch that ACA doesn't allow you to choose your deductible like auto or homeowners, then you defend homeowners because "They have rules"

which is it?

what you are missing is, you are now a ward of the state, and soon instead of being pissed off that you have to pay for fat peoples health care, you will be bitching that the government is now telling you what you can eat

I'm guessing you are in fact just a "kid" with very limited life experiences.

Yes, there are rules in that you can't have a deductible on a house that is the value of the house. You don't seem very intelligent. Your analogy would be parallel to wanting to have a health insurance policy with a $300,000 deductible. Or you may not comprehend how insurance works (in part maybe due to your age). I was not defending homeowners insurance ... I pointed out the fact your example was so absurd. Anybody with an IQ over 85 knows you can't have a house deductible that is 100% of the value of the property.

Next, you apparently FAIL to understand that my biggest complaint about Odumbocare is not the deductible. Rather it is being FORCED to buy coverages that are irrelevant or not needed. Just as with pie-guy ... you don't face the reality that with homeowners or auto insurance you have choices on what coverage you want. You don't have to buy collision coverage. You don't need to buy comprehensive coverage. That creates risk .. if you cause an accident you pay out of pocket to fix your vehicle. That is the same as having a catastrophic health insurance policy. Just as plenty of safe drivers, who may not drive high mileage might opt out of having collision or comprehensive healthy people who work out often choose catastrophic policies. And health insurance used to work as other forms of insurance did. But Odumbo has eliminated our right to have the freedom to choose what is best for us. So health insurance is no longer like other types of insurance.

Hey maybe Odumbo will require all homeowners to have flood insurance. That way he spreads the risk to everyone whether they live in a hurricane area or not. Those of us who live on the ocean will see our premiums decline and people in North Dakota and other land locked states can help us out. Exact same thing as with Odumbocare forcing us to buy maternity coverage even though we can never use it at our age. We have to have that to subsidize people who can have kids. So why no force people who can never endure a hurricane to subsidize those on the coasts?

It's mind boggling that some here don't grasp the most basic concepts regarding insurance. Maybe one day when you own a house and/or car you'll better understand that their are choices in what coverage you want and associated risk with minimizing some coverage.

 

[piezoe]

Quote from DHOHHI:

...
And why pay for coverage I'll never need? Simple. I'm not a SLOB. ...

Congratulations to DHOHHI. Sebelius has announced that those who had their policies cancelled will be able to choose a high deductible catastrophic coverage even if older than 30. The ACA remains a mess, but you'll at least get the choice you wanted now, and according to the news those who had their policies cancelled will not be penalized if they don't sign up by the deadline.

WARNING: I used the Lucrumous technique of quoting out of context in a sick attempt to make DHOHHI look like more of a fool than he actually is. So you should go to DHOHHI's post if you really want to know what he said.

 

[gwb-trading]

Options set for those lacking new health coverage
http://www.wral.com/options-set-for-those-lacking-new-health-coverage/13235162/

People whose existing health care insurance has been canceled because of the Affordable Care Act will not be hit with tax penalties for failing to line up new coverage as required under the law.

Health and Human Services Secretary Kathleen Sebelius says she will use authorities in the law to issue a "temporary hardship exemption" from those penalties.

Under another stopgap option Sebelius announced Thursday, those whose plans were canceled will be able to buy a bare-bones catastrophic plan regardless of their age. Such plans had been intended for those under 30.

A dedicated hotline for people who got cancellations, 1-866-837-0677, is being set up by the Health and Human Services Department as part of the effort to head off more bad news coming from the chaotic rollout of President Barack Obama's health care law.

(more at above url)

 

[Ricter]

Quote from piezoe:

Congratulations to DHOHHI. Sebelius has announced that those who had their policies cancelled will be able to choose a high deductible catastrophic coverage even if older than 30. The ACA remains a mess, but you'll at least get the choice you wanted now, and according to the news those who had their policies cancelled will not be penalized if they don't sign up by the deadline.

WARNING: I used the Lucrumous technique of quoting out of context in a sick attempt to make DHOHHI look like more of a fool than he actually is. So you should go to DHOHHI's post if you really want to know what he said.

Lol @ your warning. : )

 

[DHOHHI]

Quote from piezoe:

Congratulations to DHOHHI. Sebelius has announced that those who had their policies cancelled will be able to choose a high deductible catastrophic coverage even if older than 30. The ACA remains a mess, but you'll at least get the choice you wanted now, and according to the news those who had their policies cancelled will not be penalized if they don't sign up by the deadline.

WARNING: I used the Lucrumous technique of quoting out of context in a sick attempt to make DHOHHI look like more of a fool than he actually is. So you should go to DHOHHI's post if you really want to know what he said.

First, my insurance company was pro-active ... as I've stated here previously. In mid October they sent us a letter stating they would cancel our current policy and start a new IDENTICAL policy on December 1 due to so many complaints they'd received from clients who were 100% happy with their policies and didn't want the crappy, more expensive policies Odumbo was forcing on people. This was before Odumbo backed off and said people could keep their cancelled policies. This was to buy us and others a year of not having to buy a product that was inferior to our existing policy.

I noticed you and 'kid' failed to reply as to why every person in the US who is a homeowner shouldn't be required to have flood insurance. As I stated people in Iowa, Nebraska, etc. don't have worries of hurricanes as we do on the coast. But since you feel we ALL need to be in a big pool to subsidize others with health insurance then let's expand to homeowners as well. Tell me why my logic is flawed.

Next, as I've repeated ... PLEASE explain to me WHY health insurance is now different than other forms of insurance. Until Odumbocare a person could CHOOSE that coverages they wanted based on what made sense. We were not all lumped into a one size fits all.

I'm sure it's frustrating for you when simple questions like posted above have no answers.

Not to mention we had 85% of the country covered and 87% were happy. And of the 15% uninsured half of those were okay with it (likely young healthy people). All we had to do was worry about the 7.5% who wanted/needed insurance. And there were many ways to accomplish that without seeing everyone's gross premiums (before subsidies) increase. Odumbo has an ego and wouldn't admit his plan is both flawed and not cost effective.

 

[DHOHHI]

Quote from piezoe:

Congratulations to DHOHHI. Sebelius has announced that those who had their policies cancelled will be able to choose a high deductible catastrophic coverage even if older than 30. The ACA remains a mess, but you'll at least get the choice you wanted now, and according to the news those who had their policies cancelled will not be penalized if they don't sign up by the deadline.

WARNING: I used the Lucrumous technique of quoting out of context in a sick attempt to make DHOHHI look like more of a fool than he actually is. So you should go to DHOHHI's post if you really want to know what he said.

Yeah but many cancelled policies are not being reinstated. Plenty of policies in blue states are not being offered. My wife's son lives in CA. He was paying $85 to $90/month. He's 26. His was cancelled. he has to go look for a policy. Last night he was seeing an annual premium of over $3100, or $260/month. So his costs will triple.

 

[piezoe]

Quote from DHOHHI:

Yeah but many cancelled policies are not being reinstated. Plenty of policies in blue states are not being offered. My wife's son lives in CA. He was paying $85 to $90/month. He's 26. His was cancelled. he has to go look for a policy. Last night he was seeing an annual premium of over $3100, or $260/month. So his costs will triple.

A primary reason it is such a god awful mess is McCarran Ferguson. Your wife's son should keep checking. According to the news, if he had his old policy canceled he would be eligible for low cost catastrophic coverage. The decision was just announced. It may take a few days to go into effect.