Depends on what state you're in. I pay for a catastrophic policy for my 52 year old brother in California. 5K deductible 2 million cap $360 a month Blue Cross.

Might have been able to do a bit better, but I'm fairly certain BC isn't going to suddenly go out of business.

MM MD

so when you cancel obamacare because you got a job and are going to get insurance through your employer, thy extend your insurance until the 15th of the next month... are they gonna try and penalize me over on the subsidies they pay to the health insurance company for those two weeks?

They will just think it's gods will/they didn't pray hard enough.

Depending on how much you make in your job, you may have to pay back past subsidies.

Obama silver plans look a lot like what people used to call catastrophic plans.

wat

I have $15 PCP copays on ACA Silver, $2500 deductible. Not sure in what universe that resembles old catastrophic plans.

Yep, my wife had an Obamacare plan last year and received subsidies that we as a couple didn't qualify for, so they deducted it from our refund.

Old catastrophic plans had reasonable copays as well though not as low as 15. 50-75 was typical for PCP and 100-150 for specialists, basically passing the cost of office visit entirely to insured. (Ballpark, I don’t remember clearly but I used to work with the data). Lowering copays to 15 doesn’t change actuarial values much. 2500 deductible was not out of ordinary either. And this was by design organized around qualifying for HSA accounts.

I know these were the cheapest plans you could get because I was in those plans from mid 2000s all the way to Obamacare. They costed me, a non smoker NJ male in his 20s, 50-100 a month.

There were cheaper plans but none that I could find with guaranteed renewal with limited rate increase. There were also some cheaper plans that had no maximum out of pocket spending and or had maximum spending by insurance company. I doubt this is the type of catastrophic insurance people in this thread are talking about since these policies don’t really cover catastrophes.

Given that the IM repeal passed under the tax bill, we should probably change the title, right?

They didn’t repeal Obamacare.

They are just trying to destroy it so rubes die.

Ali Velshi: What is this Kentucky Medicaid work requirement about?

Matt Bevin: It's about giving the people of Kentucky their dignity back!

I mean, that's refreshing. Caretakers and the disabled might have ****ty lives and limited employment opportunities, but at least now they can have their dignity.

Kind of betrays the dignity idea if the Kentucky Gov is threatening to end the Medicaid expansion in toto if the courts strike down any part of the work requirements.

For previous tax years or only the current year?

It's year-by-year.

when i choose my healthcare plan from a list at work, they showed me what they were paying for each option. are they legally required to be telling the truth here or could it be bull****?

Probably, but even if not any reasonable company is not going to be lying to you here. Do you also worry that they will stiff you on your paycheck every two weeks?

Wait, do you work for the Trump Organization?

Looks like we're going to be getting long waits to get diagnosed and treated because if you go to the ER under the US system you're going to get charged an arm and a leg, might as well make it single payer

https://www.vox.com/policy-and-polit...-inappropriate

results-oriented claim approval for ER visits is such unambiguously, abjectly horrible policy on SO MANY LEVELS

#murica

It's obviously terrible and there are other much better ways to address the problem.

I can at least anecdotally confirm the problem exists though. I've been watching an ER status screen for the past couple months at my PT job and at any given time at least half the patients are there for routine ****, and of those I'd guess 2/3 are medicaid.

Finding a PCP that accepts Medicaid can be a challenge in many locales.

Wow. That's so evil that it's unbelievable. I guess a lot of things are though, nowadays under Trump.

So is this correct - if a 65 year old man goes to the ER because he is experiencing all the symptoms of a heart attack, but it turns out not to be a heart attack - the insurer says he is responsible for 100% of the ER bills? (Even though the ER is "covered" under his policy?)

You would fall under Medicare and entirely different set of circumstances.

I doubt if you were +55 and complaining of chess pains you would be denied coverage from ER visit, but who knows.

I'm about to be an outpatient therapist who doesn't accept Medicaid. I see 25 or 30 people a week, and when 1/3 are Medicaid and Medicaid clients reimburse 30% less and no show / cancel twice as often it really ****s up the bottom line.

lol wow