U.S. Budget & OBBB | OCT 1 - Gov’t Shutdown Begins

[NOVAHEEL13]

My first thought is that he was on a plan that didn't really cover very much but was terribly cheap and a lot of the provisions that allowed the plan to be so inexpensive were made illegal by the ACA.

Of course, that's just a guess, but it would be interesting to compare his before and after ACA plans beyond the simple cost.

I was on an ACA plan bc I was a self employed independent contractor from the first year until last year. I was on the same (or a similar plan) for years which was a mid-tier plan and it nearly tripped in cost even with a subsidy for the years I needed it.

I would think that despite being on a super cheap plan before, with the cost of even the cheapest ACA plan ridiculously expensive even with a modest subsidy,I can see why people would be irritated paying a shitton for it wishing they had their old insurance.

That all said, we missed our chance to roll healthcare insurance into a single payer Medicaid for all system. I doubt that shit will ever happen anytime soon despite it being the best option for everyone

 

[Callatoroy]

Who is winning the messaging?

 

[NOVAHEEL13]

lol ... everyone knows this is the pubs doing this shit. Even if they can/won't admit it. Hell even my fellow MAGA government employees have agreed the pubs are the cause of us being excepted - so working for free.

This will end when the services important to MAGA constituents are no longer available or whenever the ATC decided to take mass sick leave for several days.

 

[bridgetender]

I have a friend that really hates the ACA. I believe him but he swears his rates doubled after this passed. Self employed family of 4. Less than 100k a year in pay on paper. Coverage went from 1000 a month to 2000. One of the only people I know who says it made their life worse.

I used to have a union plan with yearly and lifetime caps on coverage. ACA wiped that out and turned our plan into a Cadillac plan. I didn’t really know anyone with a better plan.

Your friend should not be paying anywhere near that much through the marketplace. Either he is lying to you or he's taken ridiculous advice.

 

[NOVAHEEL13]

No.

The cheap plan would not have paid if you got cancer or some other long term major illness. You were counting on getting health care without you or your insurance having to actually pay for it if that eventuality came up.

Listen, if you want socialized medicine, vote for politicians who will give us all socialized medicine, otherwise you need to pay your fair share (but at least you get a subsidy, you should be happy for that).

I'm having a pretty shitty night emotionally so I'm gonna just believe I'm seeing everything in a pessimistic fog instead of thinking you're trying to be a super douche with your response.

Have a good evening

 

[HandsonFire]

Your friend should not be paying anywhere near that much through the marketplace. Either he is lying to you or he's taken ridiculous advice.

I don’t think he’s lying (I’ve known him for 30 years and he’s pretty trustworthy). They have had a lot of health problems, no idea if that factors in. I have asked him for specifics and I never seem to get any other than the policy doubled 1k to 2k. He’s kept up the anger too, he’s still pissed about it.

 

[superrific]

I was on an ACA plan bc I was a self employed independent contractor from the first year until last year. I was on the same (or a similar plan) for years which was a mid-tier plan and it nearly tripped in cost even with a subsidy for the years I needed it.

I would think that despite being on a super cheap plan before, with the cost of even the cheapest ACA plan ridiculously expensive even with a modest subsidy,I can see why people would be irritated paying a shitton for it wishing they had their old insurance.

That all said, we missed our chance to roll healthcare insurance into a single payer Medicaid for all system. I doubt that shit will ever happen anytime soon despite it being the best option for everyone

I don't want to accuse you of lying, but I am also having trouble making sense of this claim. It's true that community rating means that health insurance went up in prices for certain demos (young white men, especially), but it didn't triple. So, some possibilities:

1. Maybe you mean it tripled in cost over the time you were on it? That is, it went from X in 2013 to 3X in 2025? That's not how I interpret your sentence, nor the other poster, but maybe that's what you meant and you just misspoke.

2. Maybe you don't remember the details of that old plan, or you didn't fully understand them. It was a long time ago; memories get fuzzy.

I doubt very much that your health insurance from good plan to good plan tripled with ACA implementation. That's just impossible.

 

[superrific]

I don’t think he’s lying (I’ve known him for 30 years and he’s pretty trustworthy). They have had a lot of health problems, no idea if that factors in. I have asked him for specifics and I never seem to get any other than the policy doubled 1k to 2k. He’s kept up the anger too, he’s still pissed about it.

Did he switch jobs? If he went from a job where employer subsidized premiums to an ACA plan, then maybe. But that just means he took a pay cut (or less of a raise than he thought).

 

[Ddseddse]

I'm having a pretty shitty night emotionally so I'm gonna just believe I'm seeing everything in a pessimistic fog instead of thinking you're trying to be a super douche with your response.

Have a good evening

Gah! So sorry! I deleted but wasn’t fast enough!

Was multi tasking and helping with homework and totally misread your OP. When I reread it, I realized how I misread your post and deleted my post as quick as I could and was hoping no one had noticed.

You’re all good. That was all on me!

 

[superrific]

Gah! So sorry! I deleted but wasn’t fast enough!

Was multi tasking and helping with homework and totally misread your OP. When I reread it, I realized how I misread your post and deleted my post as quick as I could and was hoping no one had noticed.

You’re all good. That was all on me!

explain it to me, then, because I read it the same way as you did, I think.

 

[NOVAHEEL13]

I don't want to accuse you of lying, but I am also having trouble making sense of this claim. It's true that community rating means that health insurance went up in prices for certain demos (young white men, especially), but it didn't triple. So, some possibilities:

1. Maybe you mean it tripled in cost over the time you were on it? That is, it went from X in 2013 to 3X in 2025? That's not how I interpret your sentence, nor the other poster, but maybe that's what you meant and you just misspoke.

2. Maybe you don't remember the details of that old plan, or you didn't fully understand them. It was a long time ago; memories get fuzzy.

I doubt very much that your health insurance from good plan to good plan tripled with ACA implementation. That's just impossible.

Super, as I said above I'm having a shitty night so if I'm a bit more abrasive than usual... and I'm a bit drunk so apologies in advance

Yes, from year 1 to 2 years ago the amount without the subsidies nearly tripled. I took the subsidies-well 1/2 the amount I could bc I didn't think it was right considering I could pay for my premiums but it would've been harder since I was a single dad with full custody of 3 and 6 yr old boys.

I did understand my old plan and still do. My LLM is in Health Law and Policy despite me being a professional poker player for 13 years before becoming a DOD employee, I do actually still have my law license and understand the health regulations quite well.

ETA- dammit...that last paragraph was super dickish... I'm leaving it but want everyone to know I didn't intend for it to come out as such.

 

[Ddseddse]

explain it to me, then, because I read it the same way as you did, I think.

I was conflating HansonFire’s post with Nova’s friend.

I think my broader point stands, but was 100% misdirected at Nova, who is (or appears to me to be) an ally, and if I had better reading comprehension tonight, I would have known that. His last sentence is basically saying he’s all for single payer Medicare for all.

 

[NOVAHEEL13]

Gah! So sorry! I deleted but wasn’t fast enough!

Was multi tasking and helping with homework and totally misread your OP. When I reread it, I realized how I misread your post and deleted my post as quick as I could and was hoping no one had noticed.

You’re all good. That was all on me!

We're good man, we've been on the same boards for 20+ years. Like I said, I'm probably reading everything wrong anyway. Might need to put the keyboard down

Cheers Dd!

 

[superrific]

Super, as I said above I'm having a shitty night so if I'm a bit more abrasive than usual... and I'm a bit drunk so apologies in advance

Yes, from year 1 to 2 years ago the amount without the subsidies nearly tripled. I took the subsidies-well 1/2 the amount I could bc I didn't think it was right considering I could pay for my premiums but it would've been harder since I was a single dad with full custody of 3 and 6 yr old boys.

I did understand my old plan and still do. My LLM is in Health Law and Policy despite me being a professional poker player for 13 years before becoming a DOD employee, I do actually still have my law license and understand the health regulations quite well.

ETA- dammit...that last paragraph was super dickish... I'm leaving it but want everyone to know I didn't intend for it to come out as such.

Oh, I get it now. I thought you had meant that they tripled overnight. I'd believe they have tripled since then; almost insurance has gone way up, but you know that.

I had thought you were an attorney, but wasn't sure. I think it's funny that DOD hires professional poker players. I mean, there's no reason not to, except that popular stereotypes are not consonant.

I don't think your last paragraph was super dickish. Maybe a little dickish. But also I might not be the best judge.