Trump restores health care option Obamma took away

[reflechissez]

@zantax

@reflechissez

@zantax

@lulubee

@Snow96

@Excast

and are essentially useless.

That’s the part I’m questioning.

So say my Daughter moves to next summer to continue her education. She’s on my health plan till she turns 25 (still 3 more years). But my health insurance won’t cover a damn thing in the state she is moving to. So say she gets one of the “short term plans” – she’s young, healther. Say it saves her money on her premium. Say she gets an annual physical once a year that isn’t fully paid (co pay and she pays the rest).

Is it worthless to my daughter?

Probably not. There might be thousands who fall into the same situation. One size doesn’t fit all. But that’s what the affordable care act does. You WILL get a plan that covers everything, you will NOT have any other options other than full coverage.

25?

ACA require plans to have kids on parents health insurance until age 26.

Hopefully, by age 26 your daughter will have a job with employer health insurance.

Every university also offers health insurance plans for students as having insurance is required. I’d be surprised if they even will accept these short term don’t cover anything plans as being covered.

I wouldn’t let my kid buy one of those crap policies. They are good for nothing. If my kid couldn’t afford to purchase proper health insurance, I’d pay for it.

■■■■ happens to even those who are young and healthy.

It’s been great for my kid to be on our insurance (he’ll be on it until August 2019 when he turns 26.) He takes the money saved and puts it in his 401k. He’ll still be able to put money into that once he’s on his employer’s insurance as he’s making quite a bit more than when he first got out of college.

I’m thrilled ACA required plans to cover kids until age 26.

You could always keep your kids on your healthcare plan as long as you liked, you just had to pay for it instead of spreading the cost among the people who didn’t have kids.

If you had subsidized group health insurance, I don’t think you could just plop your adult children onto it.

Of course you could, insurance companies would always sell you coverage for as many people as you cared to insure, you just had to pay for it.

That’s not the same thing as keeping your adult kids on your insurance. That’s the adult kid getting his/her own insurance.

[DMK]

@adroit

Well, that’s the thing - you don’t know if you may or may not develop a pre-existing condition or some other ailment that is otherwise not covered by the plan, and then you’re screwed. Health is unpredictable and having a skimpy plan is playing russian roulette. I’d rather cover all my bases and switch to a modern system like one of the other top developed countries implements that is much cheaper, covers everyone and has similar or better aggregate results than our system. Because math.

Developing a condition while on a plan is not a pre-existing condition. If you do develop a condition not covered at the renewal of a short term policy then you can switch to an ACA plan (if you can afford the premiums and co-pay).

[DMK]

@lulubee

But the insurance company is not required to renew it.

I wonder what the reason for them not renewing it would be? Hmmmm…

Then you shop for a plan from an alternate provider or sign up for ACA…

[DMK]

@lulubee

Insurers offering these short term plans, which are not ACA compliant, are not required to renew anyone’s policy. If you use it (and now have a pre-existing condition, for example) they will likely not renew your policy because you cost them money.

That is correct. Then you shop for another provider or go to an ACA plan.

[DMK]

@Plasmaball

It speaks to the reality that everything doesnt need to be complicated

No, not everything needs to be complicated. But, if shopping for insurance, a mortgage or financing a car, it pays to do your research and the math associated with the costs.

[Plasmaball]

Right and under single payer you take one of those off your lists…

[koushi_shinigami]

@Plasmaball

Right and under single payer you take one of those off your lists…

And allow someone without a vested interest in your well being make decisions about paying for your health care. No thank you

[Plasmaball]

That’s private insurance…so you gained. Nothing with your comment

[koushi_shinigami]

@Plasmaball

That’s private insurance…so you gained. Nothing with your comment

Then there’s not reason to change to single payor.

[koushi_shinigami]

@lulubee

Imo, that’s another horrible choice.

Penny wise pound foolish.

Who are you to make that decision for him. What I’d the car in question was a 1990 saturn sc2 with over 200,000 miles. would you still be buying full coverage for such a car?

[Plasmaball]

Well it costs less …so there is that…and everything is covered basically…so there is that as well…you wont go bankrupt…so add that as well…but yes there is no reason…that why no other nation has it…
Like zero…nadda…zip…

[lulubee]

@DMK

@lulubee

Insurers offering these short term plans, which are not ACA compliant, are not required to renew anyone’s policy. If you use it (and now have a pre-existing condition, for example) they will likely not renew your policy because you cost them money.

That is correct. Then you shop for another provider or go to an ACA plan.

No other short term provider will issue you a plan, either - because with a pre-existing condition you are too expensive now for them to insure you.

Yes, you can then get an ACA plan - if the Republicans don’t do away with ACA or take away the pre-existing requirement. When that happens (and it will) your only option will be a employer subsidized policy - which requires getting a job with benefits. Easier said then done for a lot of people.

Once you have a pre-existing condition, without guaranteed issue, getting individual insurance becomes problematic. That’s why ACA required insurance companies to cover those with pre-existing conditions.

[lulubee]

@koushi_shinigami

@lulubee

Imo, that’s another horrible choice.

Penny wise pound foolish.

Who are you to make that decision for him. What I’d the car in question was a 1990 saturn sc2 with over 200,000 miles. would you still be buying full coverage for such a car?

That car can still injure or kill people in an accident.

[koushi_shinigami]

@lulubee

Imo, that’s another horrible choice.

Penny wise pound foolish.

Who are you to make that decision for him. What I’d the car in question was a 1990 saturn sc2 with over 200,000 miles. would you still be buying full coverage for such a car?

That car can still injure or kill people in an accident.

1. The level of insurance coverage won’t prevent that.
2. The state mandated minimum is set to cover that.

[lulubee]

@koushi_shinigami

And allow someone without a vested interest in your well being make decisions about paying for your health care. No thank you

You mean like insurance companies do now?

They deny coverage for certain treatments all the time.

They do that because they have a vested interest in not losing money.

Once ACA is no more those companies who now write individual policies will get out of the market completely.

People without employer issued insurance coverage will be left with the crap plans that don’t cover much and kick you out when you use it as you now have a pre- existing condition - because again, insurance companies are not in the business of losing money.

[lulubee]

@koushi_shinigami

@lulubee

Imo, that’s another horrible choice.

Penny wise pound foolish.

Who are you to make that decision for him. What I’d the car in question was a 1990 saturn sc2 with over 200,000 miles. would you still be buying full coverage for such a car?

That car can still injure or kill people in an accident.

1. The level of insurance coverage won’t prevent that.
2. The state mandated minimum is set to cover that.

In Florida, for example, the minimum liability amount is $10k. If you believe that is enough to cover one injured person, let alone several, I have a bridge to sell you.

[koushi_shinigami]

@lulubee

You mean like insurance companies do now?

Now there are multiple insurance companies to choose from. Single payor would take that one last freedom away.

@lulubee

Once ACA is no more those companies who now write individual policies will get out of the market completely.

People without employer issued insurance coverage will be left with the crap plans

ACA is a crap plan. If it isn’t, why the cry tho change it and go to single payor.

[reflechissez]

@koushi_shinigami

@lulubee

You mean like insurance companies do now?

Now there are multiple insurance companies to choose from. Single payor would take that one last freedom away.

@lulubee

Once ACA is no more those companies who now write individual policies will get out of the market completely.

People without employer issued insurance coverage will be left with the crap plans

ACA is a crap plan. If it isn’t, why the cry tho change it and go to single payor.

ACA is better than what we had. Single payer is better than what we have.

[koushi_shinigami]

@lulubee

In Florida, for example, the minimum liability amount is $10k. If you believe that is enough to cover one injured person, let alone several, I have a bridge to sell you.

Depends on the injury. If you don’t like it then lobby your Florida representative to change it.

[koushi_shinigami]

@reflechissez

ACA is better than what we had.

No. it isn’t.

@reflechissez

Single payer is better than what we have.

No. it isn’t.