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Uninsured not learning about ACA exchanges


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#1    questionmark

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    Cinicus Magnus

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Posted 18 October 2013 - 07:45 PM

Washington Post said:


Despite the health-care exchanges having been up now for almost three weeks, uninsured Americans aren't learning much about the new program.

A new Gallup poll shows 71 percent of uninsured people say they are not familiar with the exchanges, while 28 percent say they are familiar.

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#2    and then

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Posted 18 October 2013 - 08:22 PM

If the ACA requires the uninsured who are currently doing the ER shuffle to have to pay ANYTHING to try and stay healthier, I doubt that many will sign up.  Yeah, I know I'm a cynic but look at it from their perspective - pay nothing versus paying something - why would they do it?  I hope I'm wrong but that's the way it seems to me.  And if that DOES happen then we get the worst of all worlds with this.  Education and some form of inconvenience to those on the dole who refuse to pay even a little for their care might help.

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#3    Rafterman

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Posted 18 October 2013 - 10:56 PM

You can lead a horse to water....

Face it, some folks are just too stupid or lazy to care.

But hey, I'm glad we're borrowing a trillion or so from the Chinese to make this happen.

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#4    Kowalski

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Posted 18 October 2013 - 11:15 PM

View Postand then, on 18 October 2013 - 08:22 PM, said:

If the ACA requires the uninsured who are currently doing the ER shuffle to have to pay ANYTHING to try and stay healthier, I doubt that many will sign up.  Yeah, I know I'm a cynic but look at it from their perspective - pay nothing versus paying something - why would they do it?  I hope I'm wrong but that's the way it seems to me.  And if that DOES happen then we get the worst of all worlds with this.  Education and some form of inconvenience to those on the dole who refuse to pay even a little for their care might help.

A lot of people who are uninsured, are going to keep doing, exactly what their doing....You can't FORCE people to do something...Whether it be drug laws or prohibiting alcohol. People are going to do what their gonna do...You can cry and scream about people not having insurance, but there are those who are uninsured who aren't gonna pay anything....

Now, there are your uninsured who choose to remain that way, because it's cheaper for them, Or because they choose natural or homeopathic rememdies, except for major health issues, and they would rather pay the hospitals and doctors for their service than some mega insurace corporation on Wall Street.....I just don't understand why people want to just give their money to Shylocks.....

I think our health car system needs to be overhauled....We need to do somethng about healthcare prices, because whether your uninsured or have insurance, if a surgery or treatment or office visit is affordable, that helps everyone out, regardless.... Have a major heart surgery for $1,000 and pay it off, like you do a car or house...

I think there are MANY ways we can overhaul the healthcare system, and there are a lot of good ideas out there....Just my two cents....

Edited by Kowalski, 18 October 2013 - 11:18 PM.


#5    lightly

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Posted 19 October 2013 - 12:31 PM

What happens when the fines  "tax"  goes unpaid...  and the arrest warrants are issued?  There aren't enough jails to hold everyone who will be non compliant.

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#6    lightly

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Posted 19 October 2013 - 03:27 PM

.. another question,   will people who remain uninsured postpone or go without help for conditions out of fear of being discovered as  one of the  "criminally uninsured "  ??
     one more question ...  aren't these  "CREDITS"  given in the form of tax deductions?   Which means a person still has to pay the complete selected policy premium  up front . ?   ( if you think about how that works,  you should see it for what it is..  a public subsidy to the insurance companies•)

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#7    questionmark

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Posted 19 October 2013 - 03:43 PM

View Postlightly, on 19 October 2013 - 03:27 PM, said:

.. another question,   will people who remain uninsured postpone or go without help for conditions out of fear of being discovered as  one of the  "criminally uninsured "  ??
one more question ...  aren't these  "CREDITS"  given in the form of tax deductions?   Which means a person still has to pay the complete selected policy premium  up front . ?   ( if you think about how that works,  you should see it for what it is..  a public subsidy to the insurance companies•)

Those credits are given in advance and are sent directly to the insurer from the IRS, for the first time as I recall.

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#8    Kowalski

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Posted 19 October 2013 - 05:08 PM

View Postquestionmark, on 19 October 2013 - 03:43 PM, said:

Those credits are given in advance and are sent directly to the insurer from the IRS, for the first time as I recall.

Yes, and those subsidies only pay for 1/4 of your premium, it doesn't go toward your deductible. A lot of hospitals and clinics are asking people to pay their deductible and copay up front before they can see the doctor....

Link: http://mobile.bloomb...les-spread.html

Quote

The practice of upfront payment for non-emergency care has been spreading in the U.S. as deductibles rise. Now, the advent of the Patient Protection and Affordable Care Act is likely to accelerate that trend.
Many of the plans offered through the law’s insurance exchanges have low initial premiums to attract customers, while carrying significant deductibles and other out-of-pocket cost sharing. The second-lowest tier of Obamacare plans in California, for example, carries a $2,000 annual deductible.
Hospitals say they need to charge patients prior to treatment because Americans are increasingly on the hook for more of their own medical costs. And once care is provided, it’s often difficult for hospitals to collect.
“It used to be taboo to look like you were looking for money at a time when you were supposed to be focused on patient care,” David Williams, president of Boston-based consulting firm Health Business Group, said. “It’s not taboo anymore.”


Edited by Kowalski, 19 October 2013 - 05:09 PM.


#9    lightly

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Posted 19 October 2013 - 05:10 PM

ah,  well,  that's better.    Thank You questionmark.

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#10    ninjadude

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Posted 19 October 2013 - 07:18 PM

View PostKowalski, on 19 October 2013 - 05:08 PM, said:

. A lot of hospitals and clinics are asking people to pay their deductible and copay up front before they can see the doctor....

gee pretty much how insurance works. But I forget you don't have any.

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#11    ninjadude

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Posted 19 October 2013 - 07:24 PM

View Postlightly, on 19 October 2013 - 12:31 PM, said:

What happens when the fines  "tax"  goes unpaid...  and the arrest warrants are issued?  There aren't enough jails to hold everyone who will be non compliant.

You really don't understand how the IRS works. If you don't pay your taxes, they make every effort to work with you. If that doesn't work they will make a levy against your wages.  If that's not available they may levy any property you own. Unpaid taxes are a civil case. Not criminal. The only time anyone is arrested for taxes are very extreme cases like tax fraud and massive dollars. Certainly the 95.00 tax for not doing what you should, is not one of those.

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#12    lightly

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Posted 19 October 2013 - 07:35 PM

View Postninjadude, on 19 October 2013 - 07:24 PM, said:

You really don't understand how the IRS works. If you don't pay your taxes, they make every effort to work with you. If that doesn't work they will make a levy against your wages.  If that's not available they may levy any property you own. Unpaid taxes are a civil case. Not criminal. The only time anyone is arrested for taxes are very extreme cases like tax fraud and massive dollars. Certainly the 95.00 tax for not doing what you should, is not one of those.

  Oh,  ok thanks ninja.   Your right,  I really really don't understand how any of it works.. but i'm learning.   I never had to give it much thought before, that has been my tax guy's job. I don't have  "wages"  anymore,  Self employed. (sometimes)   So.. i guess my puny bank accounts and house and land are at jeopardy.   great.

  So, your saying the most a person can be fined for non compliance is $95.00  ???

   {{{  welcome back  Kowalski  .. i like that name :)  }}}

Edited by lightly, 19 October 2013 - 07:47 PM.

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#13    Kowalski

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Posted 19 October 2013 - 07:40 PM

View Postninjadude, on 19 October 2013 - 07:18 PM, said:

gee pretty much how insurance works. But I forget you don't have any.

I used to work in medical billing, so I know exactly how health insurance works...And when I did have insurance, when I saw the doctor, all I had to pay was the copay, no deductible up front....

You guys can take all these digs at me, mock me,  and look down your nose, at me and my family all you want, but at least I'm not throwing money away to banksters and Shylocks who already have millions of dollars....


View Postlightly, on 19 October 2013 - 07:35 PM, said:

  Oh,  ok thanks ninja.   Your right,  I really really don't understand how any of it works.. but i'm learning.   I never had to give it much thought before, that has been my tax guy's job. I don't have  "wages"  anymore,  Self employed.   So.. i guess my puny bank accounts and house and land are at jeopardy.   great.

Me and my family are in the same boat as well.....


#14    ninjadude

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Posted 19 October 2013 - 07:54 PM

View PostKowalski, on 19 October 2013 - 07:40 PM, said:

I used to work in medical billing, so I know exactly how health insurance works...And when I did have insurance, when I saw the doctor, all I had to pay was the copay, no deductible up front....

did you go to the hospital like you allege in your post? What you're engaged in is fear mongering.

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#15    Kowalski

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Posted 19 October 2013 - 10:49 PM

View Postninjadude, on 19 October 2013 - 07:54 PM, said:

did you go to the hospital like you allege in your post? What you're engaged in is fear mongering.

I Am not engaged in fear mongering, but in spreading truth among mainstream media lies.....If this same Affordable Healthcare Act had happened under a Republican President, you would be mad about it, but because it's the Democrats and Obama, the Savior, you can't say anything bad about it....The difference between me and you, is I don't care what party passed this law, it's a bad law, that only benefits the insurance companies. But, you and many others can't see that, because of partisn rhetoric...

Obamacare is. A reincarnation of Hillarycare and it got booted in 1993.....

There is a Judicial Watch Freedom of information act, that is a memo from Sen. Jay Rockefeller to Hillary Clinton, about this...Everyone should look it up and read it....





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