o8醫療保險 - ACA

Yahoo 看到這篇文章 "Obamacare hurt these people the most"

finance.yahoo.com/blogs/the-exchange/here-s-who-obamacare-hurt-the-most-175034164.html

自己也enroll了，隻是還沒有用過， 也希望自己保持一個好的健康的狀態，近可能不用了。
尤其是這些process和收費，很confuse，估計真用的時候，收費隻多不少。


這是一個comments：


"And many switchers who got a new policy through one of the healthcare exchanges set up under Obamacare probably got a better deal than they would have before the law." Really? As an insurance broker, I can tell you that's nonsense. Other than those who got heavily subsidized Obamacare policies (i.e. mostly paid for by other taxpayers), and those uninsurable due to cancer, heart disease, diabetes etc., almost all who previously had policies found their deductibles ballooned (e.g., the lowest-price Omamacare policy, Bronze 1, has a $6,000 PER PERSON deductible - i.e. $24,000 for a family of four), and no fixed-rate for doctor office visits, or prescription drug plan, unless they chose the much higher-premium Silver 2 or higher than that in one of the Gold or Platinum plans. .

The typical policy I obtained for people had much lower premiums than the Obamacare ones; like the example family above, which would have cost around $650 a month, but even the Bronze 1 would be closer to $800, and Silver 2 more like $1,100. There are two reasons for this: First, since there is no way that Obamacare is going to attract young, healthy people (except those where they are subsidized by 80 or 90%), the only way for the system to have even a chance of working is to charge the typical middle-class, middle-income family as I have shown. Second, in a typical example of "only a government bureaucrat could think of this," EVERY policy must cover ten "mandates." These include: Maternity, childbirth and well-baby care (even a policy for a single male or a woman past childbearing age); Substance abuse treatment (even for those who don't use drugs); Psychiatric care (whether likely to be needed or not); Children's dental care (whether you have children or not) - and on and on. No wonder the premiums are so high. Waste, stupidity and political ideology, rather than health care. .

....


不知這的人有何見解。

所有跟帖： 

• Bronze 1 $800算便宜嗎?我現在每個月 -閩姑- ♀ (443 bytes) () 04/25/2014 postreply 11:11:25

• 沒辦法.PPO的.據說在當地還不算最貴. -閩姑- ♀ (0 bytes) () 04/25/2014 postreply 12:46:02

• 如果單位沒有付一部分的話，你這可真不貴。 -viewfinder- ♀ (0 bytes) () 04/25/2014 postreply 15:26:54

• 替我付了25%.替全職的付60%.但明年起倒過來,全職的人得自付60%.所以反對聲一片. -閩姑- ♀ (0 bytes) () 04/25/2014 postreply 17:24:59