Hunter Gate

[SHallguy2]

I don’t believe that is correct. Biden won the Latino vote by about the same margin that Obama won in 2008.

Trump did better than expected with that group, but I don’t think you can point to the ACA as the reason especially since the public views the ACA more favorably now than they have at any point over the last 10 years.

Something is better than nothing but would love the approval rating to be based solely on the folks who have the insurance. Don't get me wrong don't want it repealed rather improved. I work with Latino companies so I've been in the lunchroom during discussions. My opinion is probably biased, but I have seen first hand how devastating a $5,000 deductible can be to an average worker whose paycheck is garnished weekly.

 

[Merge]

Something is better than nothing but would love the approval rating to be based solely on the folks who have the insurance. Don't get me wrong don't want it repealed rather improved. I work with Latino companies so I've been in the lunchroom during discussions. My opinion is probably biased, but I have seen first hand how devastating a $5,000 deductible can be to an average worker whose paycheck is garnished weekly.

I get that they aren't offering great plans, but did these people have better plans pre-ACA? A $5,000 deductible is rough but the shift towards high deductible plans started before Obama was president.

 

[SHallguy2]

I get that they aren't offering great plans, but did these people have better plans pre-ACA? A $5,000 deductible is rough but the shift towards high deductible plans started before Obama was president.

They did have much better plans. The company had to switch after ACA started. Under the company plan prior to ACA deductible was $500. This is part of modern day slavery in my opinion, again my opinion. Lack of good school choice in inner cities again part of modern day slavery. Making it difficult for individuals working and obeying the laws to become citizens again part of modern day slavery. Let's see if Joe fixes these problems or simply blames Republicans that always works. Plenty of chances to right the wrongs in the last 47 years. We will see who frees the modern day slaves probably neither party.

 

[Merge]

They did have much better plans. The company had to switch after ACA started. Under the company plan prior to ACA deductible was $500. This is part of modern day slavery in my opinion, again my opinion. Lack of good school choice in inner cities again part of modern day slavery. Making it difficult for individuals working and obeying the laws to become citizens again part of modern day slavery. Let's see if Joe fixes these problems or simply blames Republicans that always works. Plenty of chances to right the wrongs in the last 47 years. We will see who frees the modern day slaves probably neither party.

Lots of variables in there so it is hard to compare.
I am sure it is possible that company was offering health insurance with a $500 deductible, cancelled their insurance and told their employees to look for a plan on the exchange. Those people would then choose the plan that works for them. Even 10 years ago though, a plan with a $500 deducible wasn't cheap so I assume they were paying some kind of premium there we would need to compare as well.

Using your example of someone making $30k in NJ, there is a plan that costs $100 a month with a $3k deductible.
$200 a month for a $1.5k deducible. If they have a kid, their subsidies increase and the premiums are cut in half.

I'm not arguing that the plans are good. They aren't, but I do believe in a lot of what the ACA did. Just need to be improved upon.

 

[SHallguy2]

Lots of variables in there so it is hard to compare.
I am sure it is possible that company was offering health insurance with a $500 deductible, cancelled their insurance and told their employees to look for a plan on the exchange. Those people would then choose the plan that works for them. Even 10 years ago though, a plan with a $500 deducible wasn't cheap so I assume they were paying some kind of premium there we would need to compare as well.

Using your example of someone making $30k in NJ, there is a plan that costs $100 a month with a $3k deductible.
$200 a month for a $1.5k deducible. If they have a kid, their subsidies increase and the premiums are cut in half.

I'm not arguing that the plans are good. They aren't, but I do believe in a lot of what the ACA did. Just need to be improved upon.

I can see you are not aware of how it works. Everyone has to have the exact same coverage from the owner down to the janitor. So folks under a company plan can not alter the insurance. My wife was the controller at this company they had to take the $5,000 deductible because the cost for the company insurance escalated after ACA. They got worse insurance across the board owner on down and paid more for it. My company insurance went from $670 to $1700 and my deductible skyrocketed plus I was limited to where I could go. I had to make a very difficult decision when I joined the cost sharing network Christian Healthcare Ministries. Think about it for a minute, this was truly a leap of faith cancelling my traditional insurance for something unknown. (Put yourself in that position and think about it) I now pay $170 for full coverage and I'm confident it works. Now you can understand why I resent posters calling Obama Great. I ask you to follow the money United Healthcare was a big donor. Keep in mind, I'm 5 years removed from the traditional system so maybe things have changed inside company policies that I'm not aware of.

 

[Merge]

I can see you are not aware of how it works. Everyone has to have the exact same coverage from the owner down to the janitor. So folks under a company plan can not alter the insurance.

I am well aware of how insurance works.

You are talking about someone on the exchange. I gave you real world examples of what the exchange offers for people making 30k a year.

My wife was the controller at this company they had to take the $5,000 deductible because the cost for the company insurance escalated after ACA.

Blaming the ACA for that is misguided.
Premiums were increasing more than 10% per year before Obama was elected. They slowed down after the ACA.
In fact.

Section 1: Cost of Health Insurance - 9335 | KFF

In 2019, the average annual premiums are $7,188 for single coverage and $20,576 for family coverage. The average premium for single coverage increased by 4% since 2018 and the average premium for family coverage increased by 5%. The average family premium has increased 54% since 2009 and 22%...

www.kff.org

9 years prior to ACA - 104% increase
9 years after ACA - 42% increase.

Now part of that was because of the cost shift with deductibles increasing... but again, that shift started around 2006.

Think about it for a minute, this was truly a leap of faith cancelling my traditional insurance for something unknown. (Put yourself in that position and think about it) I now pay $170 for full coverage and I'm confident it works.

That's good that it works for you.

 

[cernjSHU]

I do get your point we disagree as to whether they were decent to excellent. I will admit that yes there could be a good president that was a senator but I'm personally not fond of senators as presidents. My original post again below. noticed the words prefer and personally. My opinion that the current bunch in the senate are bought and paid for period. The approval rating for our elected officials in the legislative branch is very low and has been for awhile, so I'm not alone. I counted Washington and Lincoln to push your button and get you going. I wanted to make sure you were paying attention. We are having fun right?

Personally cannot stand Senators as Presidents, lots of talk no action. Most have never run anything their entire life. I prefer to see Governors run for President, at least they had to run something. Voted for Joe Biden in the 1990's when he ran against Clinton, but Clinton was a Governor and in my opinion a very decent president. Reagan was a Governor and again a very good president. I don't expect to see anything positive get done the next 4 years, maybe not the worst thing. Really cannot think of anything positive coming from Joe over his years in the senate, he's been on the wrong side on lots of decisions. Do I think most of these guys are corrupt yes both sides. Personally, I would like to eliminate the senate completely and let the people vote and decide what gets done. The senate is bought and paid for, anyone who thinks otherwise is mistaken.

I am curious how old you are. You can't stand Senators as Presidents. Obama is the only Senator that has become President since the 60's. Before LBJ it was Kennedy and Truman. So I just don't get this hatred for Senators. I understand that a person generally may feel that governors are better suited due to their executive experience. But, I suspect you hated Obama so much so that all Senators are dead to you. Many have run for the White House but lost i.e., Clinton, McCain, Gore, Kerry, Dole. That is actually a pretty good group of Senators that would have made good Presidents,.

 

[Hallsome]

I am curious how old you are. You can't stand Senators as Presidents. Obama is the only Senator that has become President since the 60's. Before LBJ it was Kennedy and Truman. So I just don't get this hatred for Senators. I understand that a person generally may feel that governors are better suited due to their executive experience. But, I suspect you hated Obama so much so that all Senators are dead to you. Many have run for the White House but lost i.e., Clinton, McCain, Gore, Kerry, Dole. That is actually a pretty good group of Senators that would have made good Presidents,.

Gore, Kerry and Dole would not have been good presidents IMO. HRC too but for different reasons.