o8医疗保险 - ACA

Yahoo 看到这篇文章 "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，只是还没有用过， 也希望自己保持一个好的健康的状态，近可能不用了。
尤其是这些process和收费，很confuse，估计真用的时候，收费只多不少。


这是一个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. .

....


不知这的人有何见解。

所有跟帖： 

• Bronze 1 $800算便宜吗?我现在每个月 -闽姑- ♀ (443 bytes) () 04/25/2014 postreply 11:11:25

• 没办法.PPO的.据说在当地还不算最贵. -闽姑- ♀ (0 bytes) () 04/25/2014 postreply 12:46:02

• 如果单位没有付一部分的话，你这可真不贵。 -viewfinder- ♀ (0 bytes) () 04/25/2014 postreply 15:26:54

• 替我付了25%.替全职的付60%.但明年起倒过来,全职的人得自付60%.所以反对声一片. -闽姑- ♀ (0 bytes) () 04/25/2014 postreply 17:24:59