How Obamacare will affect me.

• jmog

  bigkahuna;561979 wrote:In my situation, my parents do not pay a dime. Nobody at Honda pays for their insurance, so there isn't anyone within the company getting the bill for my benefits.

  
  Naivety at its best, yes, someone is getting the bill, its the company paying your mother's benefits. Like I said, its great for you and your family, but the overall health care industry this makes health care go up.
• BoatShoes

  Should it even be the case that HSA's should be allowed to be used for purchases of prescribed medicines that are readily available over the counter? Conservatives as I can tell want a world wherein consumption activity is taxed. This is clearly consumption and yet this money used to purchase it is untaxed. To me policy such as this implies a desire towards a world wherein income available for discretionary use is what we would desire to be taxed as I suppose the idea is that expenditures on prescribed tylenol, etc. isn't really "discretionary" and therefore should avoid consumption taxation. This is trending toward a more contemporary liberal view of what the tax base ought to be, it seems to me.
• goosebumps

  

  stlouiedipalma;562130 wrote:goosebumps,
  
  If you can't handle the extra work you claim you'll be doing, perhaps you should find another job where you can do less.

  
  Lol, really? Do you think thats why I was ranting? The 25% remark was meant to show you how widespread and outrageous this is going to be, not a complaint of how much I work lol. Don't worry I work in one of the busiest stores in the area... makes the day go by quicker.
  
  Try finding something else to attack.
• fan_from_texas

  bigkahuna;561979 wrote:In my situation, my parents do not pay a dime. Nobody at Honda pays for their insurance, so there isn't anyone within the company getting the bill for my benefits.

  
  This increases costs to the company, as adding people certainly isn't "free" on their end. What this means, practically, is that employees will give up something else to make up for the cost--e.g., if the net result is an average increased cost of $1,000 per employee per year, it's true that the employees won't directly pay an extra $1,000 each year. Instead, raises will be reduced by that amount, or future investment in the company will be reduced by that amount, or prices charged to customers will go up by that amount, etc. The money doesn't magically appear--it comes from somewhere. It's a question of which party has to pay for the increased costs.
• fan_from_texas

  Al Bundy;562200 wrote:It does after a certain point, and I think a day shy of someone's 27th birthday is well past that point.

  
  Agreed. It's one thing to be 21, in college, and on your parent's healthcare. It's quite another to be pushing 27 and still be on the parental teat.
• QuakerOats

  I Wear Pants;561942 wrote:I still don't think Obamacare is particularly good but I also don't think it's the harbinger or the apocalypse or anything.

  
  Indeed it is the WORST piece of legislation in the history of the nation. It is not just 2,500 pages of garbage; it is ANOTHER 3 MILLION pages of NEW regulations; and another 169 NEW panels, commissions, and organizations full of thousands of bureaucrats.
  
  Don't fall prey to the incrementalism and the undeniable encroachment of government onto your liberty.
• CenterBHSFan

  

  QuakerOats;562450 wrote:Indeed it is the WORST piece of legislation in the history of the nation. It is not just 2,500 pages of garbage; it is ANOTHER 3 MILLION pages of NEW regulations; and another 169 NEW panels, commissions, and organizations full of thousands of bureaucrats.
  
  Don't fall prey to the incrementalism and the undeniable encroachment of government onto your liberty.

  Too late. Not trying to be picking on Pants, either. Because it's really easy to not even think about those pesky incidentals that will affect everybody in one way or another. And, it happens in all spheres of our lives, inch by inch, and not everything gets caught by our radar. And THAT is where we get and are caught. That is the "gotcha" moment.
• Bigdogg

  Wow, I wonder how many people on here have actually done in research on the new health care rules other then watching Fox news. Here is some information that I think will a least give some unbiased information and it's even in a format I think the majority on here will be able to understand.
  
  http://healthreform.kff.org/the-animation.aspx
• OneBuckeye

  

  All I know is my company has to pay more for healthcare and made major changes to the plans. They are now unable of offer a 90/10 plan. Hiring someone at my company just got more expensive, therefore less people will be hired. That is all you need to know.
• Manhattan Buckeye

  "They are now unable of offer a 90/10 plan."
  
  My wife and I are each having surgery in the next few weeks (not life-threatening, but still recommended - if I post weirdly in December its because I'm on painkillers) because her company hasn't guaranteed the 90/10 next year. So we're going under the knife this year.
• QuakerOats

  OneBuckeye;562761 wrote:All I know is my company has to pay more for healthcare and made major changes to the plans. They are now unable of offer a 90/10 plan. Hiring someone at my company just got more expensive, therefore less people will be hired. That is all you need to know.

  
  Reality sets in ....................... change we can believe in ..............
• Writerbuckeye

  

  I'm sure these same 25 year olds who are latching onto Mommy's health insurance have no problem paying monthly fees for their phones, music and various other "necessities".
  
  It's all a matter of priorities and a misplaced sense of entitlement.
• BoatShoes

  Writerbuckeye;563081 wrote:
  It's all a matter of priorities and a misplaced sense of entitlement.

  
  If we suppose this is true...that the healthcare problem is in many ways a problem of perfectly capable individuals not being good citizens and taking their fair share of society's burdens...why might it be so egregious in your and other conservative's eyes for our elected representatives to pass a law that would allow our government to use its taxing power to encourage person to pay their fare share by purchasing health insurance from other private market actors?
• goosebumps

  

  ^^^^ I'd say most people don't want a nanny state telling us what to do and how to do it.
  
  My biggest beef with the healthcare reform is that they are ignoring common sense solutions and trying to do too much.
  
  Start with the FDA and reduce the red tape. Drugs take too long to get to market and they allow way too many "me too" drugs to get by (in europe you not only have to show that a drug works as good or better than current therapies, but also show that it will be economically advantageous to use the medication). We have too many meds being cranked out that cost too much money and the ends don't justify the means.
  Also the FDA doesn't allow research done in other countries to work towards an NDA (new drug application). Why not use solid data that was produced in the EU??? its crazy. We could approve drugs much faster and the result would be much cheaper medications.
  
  Medicaid spending is out of control. Generic only formularies need to be the norm and not the exception. There are very few medications that are brand name only that you can't get similar results with a generic product. Ohio medicaid should also limit the number of ER visits that are allowed per year. If you're on medicaid it doesn't cost anything to go to the ER, so when they get a sinus infection on a saturday, where do they go? the ER. Urgent cares are cheaper but if you're not paying anything for it, who cares right?
  
  which brings me to my next point. Medicaid needs copays for everything. Even if its very small. How about 1 dollar for generics and 3 dollars for brand (right now its 2 dollars for brand 0 for generics). MD visits should be 5 dollars, ER should be 50 dollars. Urgent care should be 20 dollars. We need to monetize these services so people don't overuse them just because they're free.
  
  I seriously could go on all day about this stuff. So I'll stop there, but we need to take care of the small things first and then see where we sit.
• CenterBHSFan

  

  BoatShoes;563138 wrote:If we suppose this is true...that the healthcare problem is in many ways a problem of perfectly capable individuals not being good citizens and taking their fair share of societies burdens...why might it be so egregious in your and other conservative's eyes for our elected representatives to pass a law that would allow our government to use its taxing power to encourage person to pay their fare share by purchasing health insurance from other private market actors?

  I might be having a moment, but I've read this twice and not sure what you're asking?
• Ty Webb

  

  iclfan2;562006 wrote:The leachers have come out in full force on this thread. Color me SHOCKED that Gibby is still on his parents insurance. Unless you are planning on being a PHD (in which case you'd be the worst one of all time) you shouldn't have a need to be on your parents insurance after age 24. Get a job, or quit being a douche bag and join the military. Pretty easy options.

  
  I have a job asshole....I get 25 hours a week and get paid $8.20 an hour with a car payment of $165 a month...how in the hell do you expect me to be able to afford that plus my insurance with would have cost me 170 a month?? I'm not a fucking leech you prick,I work just as hard as anyone else
• goosebumps

  

  Ty Webb;563192 wrote:I have a job asshole....I get 25 hours a week and get paid $8.20 an hour with a car payment of $165 a month...how in the hell do you expect me to be able to afford that plus my insurance with would have cost me 170 a month?? I'm not a fucking leech you prick,I work just as hard as anyone else

  
  Just curious what you do for a living, not trying to be a smartass and you don't have to answer if you don't want to.
• Ty Webb

  

  I work thirds as a cashier at Meijer
• majorspark

  

  Ty Webb;563192 wrote:I have a job asshole....I get 25 hours a week and get paid $8.20 an hour with a car payment of $165 a month...how in the hell do you expect me to be able to afford that plus my insurance with would have cost me 170 a month?? I'm not a fucking leech you prick,I work just as hard as anyone else

  
  That $170/month. Is that for high deductible catastrophic health insurance? What was your deductible? Also do you have a cell phone? Do you personally pay for it or is it a line on your parents plan. How are you getting access to the internet? Are you paying for it? If so how much?
• Ty Webb

  

  1.No,it was for middle of the road insurance,my deductible was $650
  
  2.Yes,I pay for my cellphone
  
  3.I'm still in college,so therefor I still live at home and pay for a third of the internet bill.
  
  Anymore questions
• Manhattan Buckeye

  Someone as old (or I should say young) as Ty Webb shouldn't pay $170/mth for health insurance. There is no reason to. For people that age they should be able to take out a catastrophic event policy, pay much less in premiums and just pay any routine expenses out of pocket.
  
  Between the age of 18 and 31 (needed a physical for health insurance purposes)....I went to the doctor's office once.
• majorspark

  

  BoatShoes;563138 wrote:If we suppose this is true...that the healthcare problem is in many ways a problem of perfectly capable individuals not being good citizens and taking their fair share of society's burdens...why might it be so egregious in your and other conservative's eyes for our elected representatives to pass a law that would allow our government to use its taxing power to encourage person to pay their fare share by purchasing health insurance from other private market actors?

  
  Didn't Obama tell us this was not a tax?
  
  Taxes should be for the sole purpose of funding the government in general. Or mostly at the state and local levels I can see taxes levied for specific purposes. Using the power of taxation to coerce or force its citizens to participate in an activity they would choose not to and harming them financially if they don't participate is wrong.
• bigkahuna

  Like I said before. I teach part time for 2 different school districts. My wife's company got bought out and now will not cover spouses. I'm not a leach like some are claiming on here. I was on my wife's insurance because I do not get offered insurance. When I was booted a few months ago, we looked into HAP or something similar. Like Gibby said, it would have been about 150/month (Everything is more expensive in Michigan). When this opportunity came up, I jumped on it knowing it would be for a max year and a half. My parents are still going to get their cost of living raises, profit sharing checks, and their benefits aren't being altered at all. Is someone paying down somewhere? Sure.
  
  To group everyone in this age group as lazy asses isn't really fair. I know there are some people out there still living at home and playing playstation all day. I'm not one of those people. I own a home with my wife, and I pay all my bills.
• believer

  

  majorspark;563237 wrote:Didn't Obama tell us this was not a tax?
  
  Taxes should be for the sole purpose of funding the government in general. Or mostly at the state and local levels I can see taxes levied for specific purposes. Using the power of taxation to coerce or force its citizens to participate in an activity they would choose not to and harming them financially if they don't participate is wrong.

  You have it all wrong, Major. Big Government confiscates our wealth for our own good.
  

  bigkahuna;563292 wrote:To group everyone in this age group as lazy asses isn't really fair. I know there are some people out there still living at home and playing playstation all day. I'm not one of those people. I own a home with my wife, and I pay all my bills.

  Good for you...seriously.
• Shane Falco

  My lord some of you need to grow up and let go of the tit!!!
  
  
  By the time I was 27 ( in 2001) I had been married for 5 years, been employed with the same place I am now for 5 years, , paid all of my bills, built a new house, and had a new born son!
  If I'd have asked to still be on mom and step dads insurance I wouldn't have needed it! I would have needed a casket!!
  
  I would be embarrassed!
  geeezzzz!
  
  
  EDIT-.... In the three years before I was married and for three years after I also worked a second job! I would leave the house around 3 am and not return until around 9- 10 pm everyday. So don't get the idea that things were handed to me!