I applied for Obamacare here are the results

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ChesusRice

Well-Known Member
Monthly premium

$839.10/mo.

Estimated premiumDeductible

$500
group total
Out-of-pocket maximum

$1,250

Copayments / Coinsurance


  • 20% Coinsurance after deductible Primary doctor
  • 20% Coinsurance after deductible Specialist doctor
  • $10 Generic drugs


For a platinum plan. Not bad at all
And the website works pretty fast. Took about 10 minutes total

These rates are for a Tobacco user
 
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ChesusRice

Well-Known Member
Here is a bronze plan
Common Ground Healthcare Cooperative Envision - Bronze 5800/100
  • PPO
  • Bronze
  • National provider network
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Details Enroll
[h=3]Monthly premium[/h]$402.09/mo.


[h=3]Deductible[/h] $5,800
group total

[h=3]Out–of–pocket maximum[/h]$5,800


[h=3]Copayments / Coinsurance[/h]
  • $30 Primary doctor
  • No Charge After Deductible Specialist doctor
  • No Charge After Deductible Generic prescription



 
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ChesusRice

Well-Known Member
Silver plan

Molina Healthcare of Wisconsin, Inc. Molina Marketplace Silver Plan
  • HMO
  • Silver
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[h=3]Monthly premium[/h]$476.32/mo.


[h=3]Deductible[/h] $1,700
group total

[h=3]Out–of–pocket maximum[/h]$6,350


[h=3]Copayments / Coinsurance[/h]
  • $40 Primary doctor
  • $65 Specialist doctor
  • $20 Generic prescription



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ChesusRice

Well-Known Member
Gold plan
Molina Healthcare of Wisconsin, Inc. Molina Marketplace Gold Plan
  • HMO
  • Gold
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Details Enroll
[h=3]Monthly premium[/h]$536.74/mo.


[h=3]Deductible[/h] $250
group total

[h=3]Out–of–pocket maximum[/h]$6,350


[h=3]Copayments / Coinsurance[/h]
  • $20 Primary doctor
  • $50 Specialist doctor
  • $20 Generic prescription



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NLXSK1

NLXSK1

Well-Known Member
Might as well go with bronze and save the money if you are healthy. When you look at the deductible the plans are close to the same payout wise if you get sick anyway...
 
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ChesusRice

Well-Known Member
NLXSK1 said:
Might as well go with bronze and save the money if you are healthy. When you look at the deductible the plans are close to the same payout wise if you get sick anyway...
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I just took a look to see what the prices were. I am covered under my wifes policy. She works for a Big healthcare insurer.
 
GrowinDad

GrowinDad

Well-Known Member
The for an individual for family?

This is the piece I have been curious about and no media is covering, what do the plans look like!
 
GrowinDad

GrowinDad

Well-Known Member
Was just curious. I have it through work and my state has its own exchange. But I priced in the past and those plans look pretty damn impressive. The problem before for someone with kids was that it was impossible to get comprehensive coverage for normal kid illness stuff. These look like normal, good policies and that is great to see.

Can't you just answer that one question ChesusRice to save me the time? Not intended at all to refute you. I am hoping for some good news on ACA!
 
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ChesusRice

Well-Known Member
GrowinDad said:
Was just curious. I have it through work and my state has its own exchange. But I priced in the past and those plans look pretty damn impressive. The problem before for someone with kids was that it was impossible to get comprehensive coverage for normal kid illness stuff. These look like normal, good policies and that is great to see.

Can't you just answer that one question ChesusRice to save me the time? Not intended at all to refute you. I am hoping for some good news on ACA!
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single
Tobacco user
no subsidy
 
A

althor

Well-Known Member
^ For an older person with medical issues, those prices are fantastic...

For a 27 year old, those prices are outrageous.

And that is the trade off. The 27yr old should be paying about 100 bucks a month.


My policy if 406 a month, no deductible, max out of pocket 2250.
10 dollar co-pay doctor and specialist.

I think it will work if all the 27 year olds in America join and pay 3x as much as they should.
 
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ChesusRice

Well-Known Member
althor said:
^ For an older person with medical issues, those prices are fantastic...

For a 27 year old, those prices are outrageous.

And that is the trade off. The 27yr old should be paying about 100 bucks a month.


My policy if 406 a month, no deductible, max out of pocket 2250.
10 dollar co-pay doctor and specialist.

I think it will work if all the 27 year olds in America join and pay 3x as much as they should.
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THOSE PRICES ARE FOR SOMEONE 50 YEARS OLD WHO SMOKES
Why dont you go to the website and copy and paste the numbers you come up with?
 
Rob Roy

Rob Roy

Well-Known Member
Using the term "apply" is a misnomer. Usually when people "apply" it is a voluntary act that isn't motivated by avoiding force. You "complied" with an edict, comrade.
 
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ChesusRice

Well-Known Member
Rob Roy said:
Using the term "apply" is a misnomer. Usually when people "apply" it is a voluntary act that isn't motivated by avoiding force. You "complied" with an edict, comrade.
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Stay out of this you fucking moron
go peddle your slacktivism in an appropriate thread
 
GrowinDad

GrowinDad

Well-Known Member
Just remember, we almost all get old someday. And then there are older people who will be subsidizing some things like birth control that only younger people use. That is the idea behind insurance!!

Think about public schools. i have heard older people or those who don't have kids complain about their taxes going to support it. Yes, another gov edict that forces people to spend their money on something they don't use.

Those rates seem pretty good really, especially since i know they are really sticking it to we smokers. Gives me some hope though ACA does not do enough imo.

Thanks Chesus!
 
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ChesusRice

Well-Known Member
GrowinDad said:
Just remember, we almost all get old someday. And then there are older people who will be subsidizing some things like birth control that only younger people use. That is the idea behind insurance!!

Think about public schools. i have heard older people or those who don't have kids complain about their taxes going to support it. Yes, another gov edict that forces people to spend their money on something they don't use.

Those rates seem pretty good really, especially since i know they are really sticking it to we smokers. Gives me some hope though ACA does not do enough imo.

Thanks Chesus!
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We pay less than that currently for the family for a better plan.

The caveat being, We pay over 500 a month for the policy but my wifes company picks up the other 75% cost of the plan we have

If I had to buy this on the individual market this would be a good deal with or without subsidys
 
Canna Sylvan

Canna Sylvan

Well-Known Member
GrowinDad said:
Just remember, we almost all get old someday. And then there are older people who will be subsidizing some things like birth control that only younger people use. That is the idea behind insurance!!

Think about public schools. i have heard older people or those who don't have kids complain about their taxes going to support it. Yes, another gov edict that forces people to spend their money on something they don't use.

Those rates seem pretty good really, especially since i know they are really sticking it to we smokers. Gives me some hope though ACA does not do enough imo.

Thanks Chesus!
Click to expand...
If I teach my own kids, shouldn't the government pay me?
 
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