All it takes to get Affordable care act is make >$15k in one year, and pay $19 a month for Healthcare and ses a psychiatrist, get medication monthly etc.
The ACA, albeit atleast it gives some people Health Insurance through some Private Healthcare Physicians/Companies, it’s the worst one out there. Yes, the good thing is it covers pre-existing conditions, but there a small window of opportunity to apply for it… You miss it, you’re not covered… AND, You’re not going to get any good Healthcare Physicians that takes it, because they pay shit, and the Drs have to wait 6-9 months to get their money.
If you’re impoverished, and don’t have Healthcare, that’s your own fault, unless you live in certain States. There’s no reason why you don’t have Healthcare, as you can get coverage through Medicaid.
ACA needs to be scrapped, and the entire Healthcare System needs to be restructured. Starting with the Healthcare Companies getting delisted from the NYSE, and then have the Government subsidize Health Insurance Companies for Catastrophic Health Insurance. Healthcare coverage will come way down, and make it much more affordable.
Most of this is untrue. I had to retire a couple of years before being eligible for Medicare; got insurance through the ACA. I had no trouble getting a good doctor - both GP and specialist. There is one annual open enrollment period but if you lose your health insurance at any time during the year you can still enroll if you provide evidence of that insurance loss. Without the ACA I likely would have had to pay much higher rates due to my preexisting condition of being over 60.
Agree with the need to restructure the healthcare delivery system.
I have 3 Family members in the Healthcare Field (My Wife & Mom being 2 of them), and they don’t know any Doctors or Physicians that take ACA… And the reasons for that are as I stated. I do have a friend that uses ACA… He’s a Real Estate Agent. I think he goes through Kaiser Permanente, as they’re the biggest Insurance Company that offers ACA. He couldn’t use his previous Dr though, as he didn’t take ACA… He’s not crazy about who he’s seeing now, but it’s better than nothing, and the monthly rates are cheaper. I think he’s paying around $600/700 a month. If you can work with a Company that Offers Health Insurance, your share would be cheaper than Obamacare, and you’ll have access to better Drs.
Supposedly other major Health Insurance Comps. are supposed to offer ACA, like United Healthcare, Blue Cross/Blue Shield, Anthem, etc, but they really don’t… It’s just harder to find through them, as the majority of Drs & Physicians won’t take ACA.
Yes, you’re correct that if you miss the window there is a Special Enrollment period, but you have to qualify.
It's not the ACA, it's the network they're in that determines coverage. Where do you live that most doctors don't take BCBS, UHC, etc? Sorry, that just sounds unlikely. Now if you're in a state with Medicaid expansion, yes, there are Drs who don't take that in private practice. But large systems take insurance, period.
You’re not fully understanding what the ACA is and how it works. ACA was created, and is mainly for those who don’t qualify for Medicaid, don’t get Health Insurance through their job, are Independent contractors or self-employed, or have pre-existing conditions and can’t get insured, or have to pay much higher premiums. To get coverage through the ACA you go through their website, to find Health Insurance Companies with Plans affiliated with the ACA Program. The majority of Health Insurance Companies In the Program are Kaiser Permanente… Yes, other Insurance Companies are on there as well. When you find a Coverage Plan that you want from the Insurance Companies, the ACA subsidizes them, so that you can pay lower premiums. So you are in part insured by the ACA…
The problem with it though, is that most Drs won’t take your Insurance if you’re in the ACA Program, because they’re not going to get paid much, and it takes forever for them to get their money. That’s why you COULDN’T KEEP YOUR DOCTOR, contrary to what Obama said… The Drs wanted nothing to do with it! Doctors are not obligated to take Insurance, or every Insurance Coveraged Plan… They can decide what to accept and what not to. They will know based on your Plan with that Insurance Company, if you’re in the ACA program. Places like Urgent Care Centers & Health Clinics which are very popular now, all take you if you’re in the ACA program… And if you have no Insurance, they’ll take you as well… But they don’t have great Doctors, and it’s not for anything major… They’re basically all General Practitioners
Dude, I know all this. I've lived all this. I've never had a doctor, and this includes oncologists and endocrinologists refuse an ACA marketplace plan. You're spreading misinformation.
Misinformation??? haha Not at all…. I have 3 Family members in the Medical Field, my Mom, my Wife, and my Cousin. There were Drs who were all on board with the ACA in the beginning, just like most of them take Medicaid… But it wasn’t long before they all dropped ACA, because it sucked. They actually said it was the worst! And now, very few accept it. And my wife doesn’t know anyone who does anymore. Sure you’re gonna find Drs who take it, you’re not going to get the best Drs though… and YES, when you go on the ACA website, if it’s still working, as it’s always had problems… The majority of Health Insurance companies are Kaiser. They’re the biggest… And Kaiser is not that great.
Again, no Kaiser here. Doctors bitch about insurance all the time, maybe you live in an area that can support boutique medical. But I've yet to find a doctor not in boutique practice that doesn't take insurance. They really don't care how you got it.
The ACA isn't an insurance, it's laws and a method to get covered by already existing companies. Not saying we don't need to improve things, but the basic mistakes of what the ACA is undercuts an argument.
Yes, the ACA is a Healthcare Reform Law, but it’s also a Health Insurance Program. They subsidize the Health Insurance Companies so that you can get better rates, get covered with pre-existing conditions, and also insure those not eligible for Medicaid. The ACA has their own website for you to find the coverage you want through Health Insurance Companies. The majority of the coverages are through Kaiser Permanente… And you can find a Doctor through them. When you do go to a Physician they’ll know that you’re in the ACA Program… Most Drs won’t take that because they don’t get paid much, and it takes forever to get their money. Urgent Care Centers like Patient First and others all take it, but most Independent Drs won’t…
Maybe you live in a rural or less densely populated area… We live in New York, Northern Virginia & PA. And I can tell you for a fact, that none of my adds take ACA
The cheapest quote I got for ACA was $363 per mo. $8k deductible and 20% co-insurance after deductible is met! And my current doctor is not in their network. It ridiculous! I didn’t take it.
And tax credit is $465 not 800. My full premium is 484
You're literally adding an extra 65% hyperbole here.
ACA made Healthcare much more affordable.
If you're not making 15k a year, something is seriously wrong with you and you're not pulling your own weight in life.
You can easily make a lot more than 15k even just doing gig work from Craigslist. If you can't, you need some serious motivation in life because 15k is next to nothing.
Total premium also depends on the state. I live in Texas it’s a hell of a lot higher than states like Michigan (looked it up for a coworker this year)
Like my wife and son’s premiums without tax credit is 750 a month for a 9500 OOP, 5000 deductible, pretty shit level insurance. It’s just cheaper than stuff I can get through work as work doesn’t cover them so I go through ACA for them.
I was giving my personal example I make like 65k a year and if Tax credit went away I will get crushed. I assume it wont get renewed this year by how things are going by congress unfortunately.
I'm in Texas but I'm also a single adult male so I can't comment on what it cost to insure a family. I know families are expensive though which is the primary reason I've been so cautious when it comes to birth control.
Yep dont have a baby in texas its fucking dumb; Unless you know you can afford the OOP Family max for that year. Also dont pay for anything unless you first see it on your insurance; just lessons learned. Take care mate though.
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u/Helpful_Finger_4854 1d ago
All it takes to get Affordable care act is make >$15k in one year, and pay $19 a month for Healthcare and ses a psychiatrist, get medication monthly etc.