Congress threatening to shutdown unless ACA is defunded/repealed immediately.

[ringthree]

Business blaming shady practices on government regulation. Shocking revelation.

[Cantih]

I doubt Archi was completely serious on putting the blame on ACA/Obama.

[Acevalefor]

I doubt Archi was completely serious on putting the blame on ACA/Obama.

Eh, it's hard to tell when he crosses from serious to sarcasm sometimes. I just place it at about 50% serious and let it ride.

So what's going on in the House this morning? Most of my news websites are talking about football and earthquakes in New Zealand this morning.

[Suvhater]

Sounds like that plan was 225 a month and the new average cost of a plan on the exchange will run around 375 a month

[Cantih]

So what's going on in the House this morning? Most of my news websites are talking about football and earthquakes in New Zealand this morning.

If I remember from news yesterday, nothing can start until the Senate reconvenes this afternoon (the house got the bill back, the GOP added the bullshit the Senate removed back in again, and sent it to the Senate early on Sunday.)
So it's still a few more hours before any non-speculative coverage happens.

[Acevalefor]

If I remember from news yesterday, nothing can start until the Senate reconvenes this afternoon (the house got the bill back, the GOP added the bullshit the Senate removed back in again, and sent it to the Senate early on Sunday.)
So it's still a few more hours before any non-speculative coverage happens.

I read an article on Friday talking about how the republicans see this whole issue. Their reasoning is; "We aren't asking for a complete repeal of the ACA anymore, so the democrats must be happy about that. Since we made such a huge concession in our demands, we believe the democrats in the senate WILL vote across the aisle and support our totally and completely reasonable and sane legislation."

[archibaldcrane]

I doubt Archi was completely serious on putting the blame on ACA/Obama.

Well, i mean, kinda yeah. It's clear that it wouldn't have been cancelled if it wasn't for the ACA, so that sucks.

[Callisto]

My gripe at the moment is that most of the 'affordable' health plans I've seen info about that will be on the exchanges are the same obscenely high deductible plans I currently have through my employer; while I do personally like the majority of the ACA I don't think Obama himself really understands how absolutely useless these plans are for mid-to-low income people. Yes, if I have some sort of terrible car accident or something it will prevent that from bankrupting me for the next 30 years, but when it comes to daily health concerns that aren't a direct you gonna die threat but definitely impact my quality of life, even with spending 13% of my income on insurance I still can't do anything about them because of how high my deductible is. I've been insured for nearly two years and outside of just a general checkup for them to tell me what's wrong, I can by no means afford to do anything about my current health problems because I still would have to pony up $5k out-of-pocket. My employer-matched HSA is the only thing that even makes it worth having any coverage.

[ronin sparthos]

God I love this. Shut the government down but fuck if you cut the ability for Congress to get paid in the meantime.

These clowns work less, get paid more and continually convince Americans they're lazy, entitled and deserving of nothing other than ineptitude and incompetence.

[Ragnus]

I know I'd love to get paid six figures to work 126 days a year and have single payer health coverage.

[archibaldcrane]

My gripe at the moment is that most of the 'affordable' health plans I've seen info about that will be on the exchanges are the same obscenely high deductible plans I currently have through my employer; while I do personally like the majority of the ACA I don't think Obama himself really understands how absolutely useless these plans are for mid-to-low income people.

Well, let's say I'm a single 26 year old dude making 25k a year in CA. For $156 a month (after subsidy), I can get a 0-deductible plan like this:

Key benefits Gold 80
Deductible no deductible
Preventative Care Copay 1 no cost at least 1 yearly
visit
Primary Care Visit Copay $30
Specialty Care Visit Copay $50
Urgent Care Visit Copay $90
General Medication Copay $19
Lab Testing Copay $30
X-Ray Copay $50
Emergency Room Copay $250
High cost and infrequent services (e.g. Hospital Care and Outpatient Surgery) HMO
Outpatient Surgery - $600
Hospital - $600/day up to 5 days
PPO - 20%
Imaging (MRI, CT, PET Scans) $250
Preferred brand copay after Drug Deductible (if any)$50
Maximum Out-of-Pocket For One $6,350
Maximum Out-of-Pocket For Family $12,700

So all you're paying is fairly reasonable copays for all of your medical care. Free yearly checkup (free yearly gyno for women and free birth control pills for women). Now if you get put in the hospital for 3 days or whatever you're looking at an $1800 medical copay, which would definitely suck for someone making $25k a year...but that's a pretty damn rare thing to happen.

If $156/mo is more than you were thinking is reasonable for a mid-low income person, then I apologize. $1900 a year is nothing to sneeze at when you're only making $25k a year.

[Cantih]

I know I'd love to get paid six figures to work 126 days a year and have single payer health coverage.

Run for office then!
(Certainly do a better fucking job, it's statistically unlikely to be any worse.)

Hell, we may as well get some people into Congress to help Zealot out.

[Lucavi]

God I love this. Shut the government down but fuck if you cut the ability for Congress to get paid in the meantime.

These clowns work less, get paid more and continually convince Americans they're lazy, entitled and deserving of nothing other than ineptitude and incompetence.

The hard work is trying to maintain an image to the public that you're actually a hard worker worth one's salt long enough to get INTO these positions. Once you're in there, its like paid retirement.

[archibaldcrane]

I know I'd love to get paid six figures to work 126 days a year and have single payer health coverage.

not even I ball that hard

[archibaldcrane]

Although I do have a small business...what can SHOP do for me?

Is my business eligible for tax credits?↑ Back to Top
Businesses that provide health care coverage are eligible for tax credits if, for the tax year, they have fewer than 25 full-time equivalent employees who are paid an average annual salary of less than $50,000. To qualify for tax credits, the employer must also contribute at least 50 percent toward the employee's premium cost. This contribution requirement also applies to add-on coverage including vision, dental and other limited-scope coverage.
Employers with 10 or fewer full-time equivalent employees paying an annual wage of $25,000 or less qualify for the maximum credit.

I shall have to investigate this further...

[Callisto]

Well, let's say I'm a single 26 year old dude making 25k a year in CA. For $156 a month (after subsidy), I can get a 0-deductible plan like this:

Key benefits Gold 80
Deductible no deductible
Preventative Care Copay 1 no cost at least 1 yearly
visit
Primary Care Visit Copay $30
Specialty Care Visit Copay $50
Urgent Care Visit Copay $90
General Medication Copay $19
Lab Testing Copay $30
X-Ray Copay $50
Emergency Room Copay $250
High cost and infrequent services (e.g. Hospital Care and Outpatient Surgery) HMO
Outpatient Surgery - $600
Hospital - $600/day up to 5 days
PPO - 20%
Imaging (MRI, CT, PET Scans) $250
Preferred brand copay after Drug Deductible (if any)$50
Maximum Out-of-Pocket For One $6,350
Maximum Out-of-Pocket For Family $12,700

So all you're paying is fairly reasonable copays for all of your medical care. Free yearly checkup (free yearly gyno for women and free birth control pills for women). Now if you get put in the hospital for 3 days or whatever you're looking at an $1800 medical copay, which would definitely suck for someone making $25k a year...but that's a pretty damn rare thing to happen.

If $156/mo is more than you were thinking is reasonable for a mid-low income person, then I apologize. $1900 a year is nothing to sneeze at when you're only making $25k a year.

No that's certainly reasonable, I pay $230~ month for $4k~ deductible without copays(every dollar until I hit my deductible is 100% out-of-pocket at full price including prescriptions) and only general checkups/dental cleanings free making $41.6k gross; only upside to the plan is there's no maximum coverage amount once I pass the deductible. I would personally just cancel my current coverage and head to the exchange, but I believe I'm just barely over the cap to receives subsidies and there'd be no employer matching on my HSA if it wasn't done through their coverage plan. This is as a 30 year old male with no(officially diagnosed) pre-existing conditions.

[archibaldcrane]

No that's certainly reasonable, I pay $230~ month for $4k~ deductible without copays(every dollar until I hit my deductible is 100% out-of-pocket at full price including prescriptions) and only general checkups/dental cleanings free making $41.6k gross; only upside to the plan is there's no maximum coverage amount once I pass the deductible. I would personally just cancel my current coverage and head to the exchange, but I believe I'm just barely over the cap to receives subsidies and there'd be no employer matching on my HSA if it wasn't done through their coverage plan. This is as a 30 year old male with no(officially diagnosed) pre-existing conditions.

Yeah, that's a pinch right there. However, having access to an employer-matched HSA is pretty pimp - HSAs in general are awesome.

[Ragnus]

How do HSAs work? My job offers either an HSA or a PPO. I currently have the PPO for about $1250 a year but the HSA is cheaper.

[Celeras]

If there's one thing that wooshes over my head its when people talk about their plans/copays and shit. Maybe it's because I've never been sick in my life and haven't been to the doctor since high school. Currently 28/male and I pay like $55/month for this shit. Maybe it's just garbage I don't even know, but ya'll bros with families quoting $200+/month makes me cringe.

[archibaldcrane]

Although I do have a small business...what can SHOP do for me?



I shall have to investigate this further...

Notes:
Owners are excluded, and should not be counted in number of employees, wages, or premium contribution amount.

MOTHERFUCKER
FUCK

thought i was onto something there