Health Insurance I need help

[Anonymous No.187449]

I am thinking about getting health insurance through obamacare. However I am pretty much a minimum wage worker.
I checked and premiums are so high, $6000 wtf is this? So my plan won't cover me untill I have payed that much. Theres a plan with $0 premium for $170 a month. Is this worth it financially?

[Anonymous No.187464]

>>187449

>I'm a minimum wage worker
>Premiums are high

Wut

Either >>>/pol/ or check again faggot.

If you're making less than like...40k, you're eligible for medicare expansion, unless you live in a retarded state like fucking Alabama or whatever that wouldn't take free money because they hate the fact the president is black.

[Anonymous No.187474]

Pay the fine, eat healthy, don't drink and drive.

[Anonymous No.187520]

Yeah the first year's fine is cheaper than the cheapest approved health insurance right? It's when it hits the second year that we need to get insurance. Still it's fucking retarded.

[Anonymous No.187537]

>>187449
Ahh...the shitty fucked up American healthcare system.

OK, here's the deal. American Healthcare System is fucked up. Obamacare tried to fix it but... it's also fucked up.

If you are making minimum wage, that probably mean you don't shit to your name. You're still entitle to medical care at hospital ER. You'll just stick the your healthcare cost up other taxpayer's ass. The hospital can't do jackshit to you, because you're a poorfag.

If you do get health insurance through Obamacare, the premium is depended on your income. If you are poor enough to qualify for "free" premium for bronze plan. Congrats, now you have to shell out $6000 for deductible. What that mean is, if you didn't pay the first $6000 in medical cost to insurance company, you essentially don't have a health insurance.

If you are a minimum wagefag you'll probably too poor to even qualify for Obamacare subsidy. You'll have to apply for Medicaid. It also depend on the states. Some states are retarded and they enjoy fucking over poor people so they didn't expand their medicaid coverage to 138% of poverty level. What that mean is you'll be in "medicaid gap". You did not benefit from Obamacare.

If your state did expand Medicaid, Congrats! You could apply for Medicaid. Medicaid is known for having poor coverage because it's a poor people's program. Poor people don't vote, so politicians enjoy ass fucking poor people's program.

My advice is try to apply for Obamacare. If you could get a "free" $6000 deductible coverage (bronze plan.) Then get it. You'll have to pay $6000 first to have any insurance.

If you don't qualify for Obamacare, then apply for Medicaid. Expect government examining your ass for any sign of hidden money.

Either way, you are fucked. Go find a better job. Quit being a minimum wage bitch. Get an education from REPUTABLE college.

[Anonymous No.187545]

>>187537
Or you could just pay a fine. Since you are so poor, you could even apply for hardship exemption. You don't even need to pay $95 fine.

[Anonymous No.187583]

obamacare doesn't work. just forget about it and vote republican. republicans will make it go away.

[Anonymous No.187789]

>>187464
This. OP don't try to spread your bullshit here. If you read up on the stuff, you more than likely won't have to pay shit. We will all be paying it for you.

If you really want to complain, then you have a valid point with "I don't want to sign up for free care that gives the government another way to track me".

[Anonymous No.187798]

>>187583
It won't go away. It's like a cancer that will keep coming back. The whole core of American medical system is rotten. Removing Obamacare won't cure the disease. Republicans(fuck the poor party) won't do jackshit either.

[Guy with 9 bikes No.188501]

I really don't know who Obamacare helps. Sure, if you are really poor, you get "free" insurance. But yes it is $6,000 deductible. If you are really poor, get sick and can't work how the hell can you come up with $6,000?

[Anonymous No.188508]

>>188501
A lot more easily than you can come up with whatever you would have to pay without insurance.

Do you even know what a deductible is?

[Anonymous No.188594]

>>188501
You also get regular checkups at no cost and I believe money off generally super expensive prescriptions. Particularly when your previous options were not going to the doctor ever or going when you are about to die racking up bills six times higher than the premium. If you make very little money you will also get medicaid unless your state sucks and if your state does suck youwill still be better off with actual regular checkups, a hard limit on medical expenses, and prescription benefits.

[Guy with 9 bikes No.188602]

>>188508
>>188594
My point is that, to the very poor, $6,000 might as well be $60,000 or $600,000. They will never be able to pay medical bills they rack up. Just as some poor do now, they will incur medical bills that remain unpaid...shit! I just realized the Affordable Healthcare Law isn't designed to help the poor; it helps doctors and hospitals who will get paid for the bulk of their services.

[Anonymous No.188610]

>>188501
Do you have any idea what kind of hospital bills you can rack up over and above 6000$? Do you have any idea how much money it costs to have an accident?

Do you have any... ANY fucking clue what "Insurance" is? No?

That must be why you hate Obamacare and are all "muh freedom" retarded. Fuck off back to /pol/ you fucking illiterate, uneducated motherfucker.

[Anonymous No.188612]

>>188602

>6,000 might as well be $60,000 or $600,000.

No. 6,000 you can scrounge from family, friends, or hell maybe you were smart enough to save a little money from your job before you got that heart attack or broke your back or whatever it was.

[Anonymous No.188621]

>>188602
That's why they expanded medicaid too (unless your state hates Obama).

It also gives poor people regular checkups in the at no cost in the cheapest plan and prescriptions. Preventative care is huge for someone who couldn't even afford to go to the doctor before. Chronic shit that people wouldn't get looked at before would be seen here as well.

If they live in a shitty state they still may get a bill they can't pay because they can't afford the 6,000 but its still way better than before. Its not perfect, but it does help. Also, as I said earlier, your argument falls apart when you take into account the law is designed to expand medicaid.

[Anonymous No.188987]

>>188621
>>188610

OK, this is coming from a former Obama supporter who voted for him two times. Obamacare is shit.

Did you even check what's covered under "preventive care"? Check it out.
https://www.healthcare.gov/what-are-my-preventive-care-benefits/
>aspirin use
wtf? how much is that coverage worth? $5?
It is shit. Who would really think that it's useful? Remember this was an ANNUAL coverage.

Think deeper. Why would someone get a $6000 bill from hospital? Why is hospital bill so god damn expensive in land of Freedumb? Hint: hospital billing in Freedumbland is a creative fiction not based on reality. Is Obamacare going to do anything about cost control?

Medical cost in this country is out of control. Obama didn't address the issue of cost control. All it does is all a very expensive insurance plan on top of a broken system.


D

[Anonymous No.188993]

>>188612
>No. 6,000 you can scrounge from family, friends, or hell

You apparently have never been poor

[Anonymous No.189049]

>>187449
>not doing your own due diligence

[Anonymous No.189072]

>>188987
>All it does is all a very expensive insurance plan on top of a broken system.

thats what he was paid to do

[Anonymous No.189125]

>>189049

>estimated cost

conveniently left out what scale that's on.
>per week
lol
>2650 deductible
ROFL

[Anonymous No.189664]

Obamacare is an awful law. We should adopt France's system. It wouldn't be that hard for the USA to do. Just expand Medicare to every citizen. Use ultimate buying power leverage to drive prices down.

[Anonymous No.189959]

>>189664
I would love to adopt France's system. Unfortunately, in the Freedumbland that would mean put millions people in health insurance industry out of work. There is almost no political will to fight the insurance lobby.

[Anonymous No.190167]

>>188987
>https://www.healthcare.gov/what-are-my-preventive-care-benefits/

I like how you picked out the worst one out of a list in the double digits. I'll give you one.
>Immunizations
wait two
>Cancer screening
wait, every single thing on that list besides the one you pointed out is useful Here is one freely available to children like you: Autism screening.

Besides that you get actual checkups at the doctor and you are once again conveniently ignoring the medicaid expansion.

> It wouldn't be that hard for the USA to do.
It would be impossible fro the USA to do. The difficulty of any kind of health reform is entirely in the political side, not on the implementation side.

[Anonymous No.190865]

>>189049
>$2,650 deductible
>Min $40 copay
>Pay a whopping 30% after shelling out $2,650
>Get to pay $140/month for this this "insurance"
>tfw this is for an individual

Lel. Just pay the fine. Most young people have annual medical costs below $2k anyway so why pay $140/month to get the same thing?

[Anonymous No.190898]

>>188993

The guy I was replying to obviously hasn't if he thinks there isn't a difference between 6,000 and 60,000

6,000 is doable if you're serious about your health. 60,000 is a pipe-dream without lots of outside help and donations.

[Anonymous No.190943]

>>190865
In case you get really really sick . Thar's the whole point of "insurance"

[Anonymous No.190944]

>>189664
>We should adopt France's system
So you are saying you hate medical innovation and want people to suffer and die in waiting lines?

Kill yourself.

The ONLY answer to fixing healthcare is freedom.
Look how incredibly cheap healthcare is in countries with market based medicine(hint:not usa)
Singapore and Switzerland.

Look how cheap healthcare was in the united states before the government took it over.

[Anonymous No.190953]

>>189959
>There is almost no political will to fight the insurance lobby.
All france does is gives their medical cartel total power over their citizens.
That's basically what socialized healthcare is.

[Anonymous No.190960]

>>187537
this
neet normals who do jack shit all day get healthcare coverage, you get a bunch of bullshit for working a low wage job. very fair right?

[Anonymous No.190972]

>>190944
some more info on lodge practices from the NIH:
http://www.ncbi.nlm.nih.gov/pmc/articles/PMC1653615/

[Anonymous No.191173]

>>188602
And to those who are mostly poor but not utterly destitute, there is a huge difference between 6k and 60k

[Anonymous No.191333]

>>190167
>Immunization
OK, are you telling me that a healthy adult haven't gotten those immunization before they entered elementary school. Flu shot is what? $20 at walgreen? Hep A and Hep B is not recommended for general population. It's only recommended for high risk occupation, which the employer will pay for it.

>Colorectal Cancer screening
Oh, your doctor found and removed polyps in your colon. Congrats! Your "free" screening just turned in $10000 procedure.

>depression screening
God damn, just get your ass outside and walk 30 minutes everyday.

>fatass screening
If you are fatass, then your are fatass..what's there to screen?

>diabete screen
You can buy a fucking blood sugar test kit from walgreen for $20.

>Cholesterol screening
OK, this one is worthwhile. You can order your own cholesterol test for $50.
>Blood pressure screen
You can get free blood pressure test from walmart.
>Alcohol problems
Just go to AA already.

Only free preventative care that is worthwhile is Abdominal Aortic Aneurysm.

Free checkout from doctor is worthwhile but all other "free" preventive cares are bullshit.

Seriously Anon, have you even try to apply for medicaid? It's a fucked program that will stripe you of all your dignity.

[Guy with 9 bikes No.191356]

>>190898
>The guy I was replying to obviously hasn't if he thinks there isn't a difference between 6,000 and 60,000
The point I was making is that the very poor are going to be unable to pay $6,000. "It might as well be $60,000" as far as the likelihood of the bill getting paid.

[Anonymous No.191358]

>getting sick

[Anonymous No.191749]

>>187583
The individual mandate was a Republican plan to counter Clinton's single payer system plane when he's in office, the Heritage Foundations website even had the entire plan listed before anyone even knew Obama

[Anonymous No.191918]

>>189049
>2650 deductible.

Did you even have health insurance before all this mandatory stuff began?

[Anonymous No.191944]

>>188987
>Is Obamacare going to do anything about cost control?
The price of medical care in our country is because of all sorts of price controls, regulations and subsidies from the government.

If we had a free market system like we had 100 years ago it would be much cheaper. Remember Lazik Eye Surgery 20 years ago? It was expensive as hell, remember? Well now it's not. And the whole time it has almost never been covered by insurance.

And no, socialized medicine doesn't fix that. You just removed one middle man that you have little to no control over (insurance) with another you have even less control over (government).

[Anonymous No.191947]

>>187537
>Poor people don't vote, so politicians enjoy ass fucking poor people's program.
Poor people do vote. If not politicians wouldn't have any incentive to make these shitty programs. They aren't doing this shit for the welfare of poor citizens, they're doing it for votes. It does also help that these programs keep the poor poor and stupid because the dumber and poorer a person is they'll keep voting for you whenever you give them their next entitlement program.

[Anonymous No.191991]

>>190943

Talk to some people who get really sick, the insurance company is there at every single turn trying to fuck you and get out of their end of the deal. Also someone post the maximums they will cover so I can have a giggle.

[Anonymous No.192021]

You guys don't seem to understand Obamacare at all.

Its for the guy who makes $40-$100k a year and spends his money on that sweet new lift for his truck instead of buying some health insurance. Then when he flips his truck he needs $200k to pay for all the surgeries but can't because hes got no savings and can't work because hes all messed up. So he just files for bankruptcy and the tax payer ends up paying for it.

Its not for poor people. They are already covered. Its not for rich people. They have insurance AND all the toys they want. Its for the middle class guy who "could" buy insurance but doesn't because I mean holy crap man have you seen the sweet new Dodge Hemi? Im 100 ft. tall and bulletproof I don't need no insurance.

[Anonymous No.192030]

>>191944
>Remember Lazik Eye Surgery 20 years ago? It was expensive as hell, remember? Well now it's not. And the whole time it has almost never been covered by insurance.
Because its considered voluntary/cosmetic surgery

[Anonymous No.192035]

>>192021
It's also quite nice for people starting a new business. non-group based insurance was expensive, even if you only wanted a catastrophic policy. Now you are part of a large pool, and prices are low.

[Anonymous No.192043]

check into medicare/county health services for your county. gtfo.

[Anonymous No.192047]

>>192035
Yes because its new. And the people in my example are most likely small business people. It won't stay cheap for long though. Obamacare simply increases the number of patients (demand). It does nothing to address the staggering investment of time and money it takes to become a doctor (supply).

It also does nothing to regulate the ridiculous costs and shady billing practices doctors routinely use. The next time you need a minor surgery done, call around and ask how much its going to be. Try getting a straight answer. You never will.

[Anonymous No.192054]

>>192021
poor people weren't already covered, especially if they didn't have children.

[Anonymous No.192321]

>>192047
True story:

I need to get a chest x-ray done. Called area hospitals, they both want $400-500. Found a radiology place 90 miles away could do it for $37. Even after paying for gas to drive there it's still cheaper.

Billing and medical cost in most hospitals are not base on reality.

[Anonymous No.193744]

>>191944
Thank FUCK you made that image