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Old 04-02-2013, 12:07 PM   #81
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Is it cheating? Let's assume two people who made the same total amount of money over a 40 year period of working.

Suppose Mr. Spender spent most of his working life spending every penny he made on booze, fast cars, faster women, casino vacations, and sports tickets. As a result his retirement benefit is SS and a very small 401K account. He easily gets a subsidy.

OTOH, Ms. Saver has lived below her means, denied herself many of the better things in life, and shopped the sales only for things she really needed. She has accumulated fat IRA accounts and can easily withdraw $70,000 a year if she needed it. No subsidy for her.

So, now we reward Mr. Sender with a subsidy, but deny it to Ms. Saver?? Is that fair? I think not.

That will teach Ms. Saver to save....



But there are a lot of things not fair in our system... but I agree that income is the best determination for subsidy for now...
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Old 04-02-2013, 12:08 PM   #82
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Boy- you guys are clobbering me.

I have to be more specific.

insurance providers under ACA will compete for our(your) business.

the plans are differentiated by bronze,silver,gold,platinum. that is the percnentage of costs paid 40,30,20,10.

so whats a plan to do.

i can't speak for all states but in mass the traditional managed medicaid providers offer the cheapest plans-because they already are the cheapest providers.

most states already have managed medicaid provider plans that are run by the cheapest providers.

regular big name plans that are not into managed medicaid plans can't compete on price.

so they compete on larger provider networks.and they don't make bids on non-subsidized plans
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Old 04-02-2013, 12:46 PM   #83
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credits/ subsidies based on 2nd lowest silver plan

lowest to highest silver insurance plans

1. medicaid managed providerA
2.mangaed medicaid provider b
3.managed mediciad provider c
4.manged medicaid provider d
5. managed medicaid provider e
6. Big name provider A
7. big name provider B
8. big name provider c
9. big name provider d
10 big name provider e.


the biggest name providers can't compete on price so they either don't offer plan or eventually pull out because most of the buyers went o lower priced.

if manageded medicaid provider 2 is the basis of silver price and big name provider d is 300 more a month-you see what happens

you will only be subsidized based on 2
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Old 04-02-2013, 12:53 PM   #84
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Originally Posted by gerrym51 View Post
Boy- you guys are clobbering me.

I have to be more specific.
Being more specific will help, but links to provide third party confirmation of your beliefs and opinions would be better than a Kevlar vest...
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Old 04-02-2013, 12:58 PM   #85
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Being more specific will help, but links to provide third party confirmation of your beliefs and opinions would be better than a Kevlar vest...
what are you talking about. the subsidy/tax credit is determined by the price of the second lowest silver plan. you can easily google that.

I have never been able to do links

in mass. although it is somwhat different as been pointed out to me-the private companies that manage medicaid are always the lowest providers in the connectors private pay plans.

the bigger name insurers are always higher



ps actually is there an easy way to do links-i have never figured it out
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Old 04-02-2013, 01:09 PM   #86
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what are you talking about. the subsidy/tax credit is determined by the price of the second lowest silver plan. you can easily google that.

I have never been able to do links
If you are unable or unwilling to provide support for your opinions and beliefs, perhaps you should reconsider before posting.

I'm done here.
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Old 04-02-2013, 01:19 PM   #87
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....ps actually is there an easy way to do links-i have never figured it out
1. Go to the page you want to link and highlight the webpage address
2. Press Ctrl and C at the same time to copy the address
3. Go to the ER.org message that you want the link in and put the cursor where you want the link to appear
4. Press Ctrl and P at the same time to paste the address in the message
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Old 04-02-2013, 01:21 PM   #88
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ps actually is there an easy way to do links-i have never figured it out
When you write a post, highlight the portion of the text you'd like to make into a link (say, the article title that you just typed). The, look at the top of the screen and you'll see an icon that looks like a globe with a chain link. Click on that ans a small screen will appear. Inside that screen, paste in the URL of the site you are linking to (it's easiest if you keep that screen open as you are working on the post). The URL is usually shown in the window at the top of the screen when you are at the "target" site, and will start with "www" or "http:"). One "gotcha"--take off any final " / " that might be on the URL after you paste it into the little window. Then close the window and the link will be in blue in your post.

It is easy. Providing a link allows users to see and confirm what you are talking about. Also, using capitals and punctuation is a courtesy to those who read these posts.
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Old 04-02-2013, 01:28 PM   #89
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this,

http://www.kff.org/healthreform/upload/7962-02.pdf


it worked . yoo hoo. this is how its based on second lowest silver plan


now that i know how to do it i will endevour to provide linkes REWHO
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Old 04-02-2013, 01:34 PM   #90
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this is link to mass connector subsidized plans.

all these plans are/and started as private medicaid providers before the Romneycare was made.

https://www.mahealthconnector.org/po...tte.cachetoken
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Old 04-02-2013, 01:38 PM   #91
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Rut-roh. I think we just created a link monster.
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Old 04-02-2013, 01:46 PM   #92
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That will teach Ms. Saver to save....

But there are a lot of things not fair in our system... but I agree that income is the best determination for subsidy for now...
Yes, there is plenty of unfairness in our system - parts of the tax code come to mind. Still I would hate to see Ms. Saver be deprived of the fruits of her labor, or feel that she must reduce her spending level (and quality of life) to get some medical subsidy. She can't take it with her - a lesson that Mr. Spender learned all to well.
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Old 04-02-2013, 01:57 PM   #93
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compare this
https://www.mahealthconnector.org/po...sAndCopays.pdf


with this


http://www.coveredca.com/media/10745...itsSummary.pdf


look familiar.

mass subsidized plan chart california subsidized plan chart. see any bronze,silver gold,platinum mumbo jumbo
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Old 04-02-2013, 02:20 PM   #94
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not just my opinion

The New Obamacare Insurance Is Looking More Like Medicaid - Forbes



and another
http://www.realclearmarkets.com/arti...ve_100176.html
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Old 04-02-2013, 02:29 PM   #95
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Gerry, not picking on you, but we do prefer linked articles to have summaries or snippets provided. Naked links, as defined in the community rules (here)
Quote:
links posted without explanation, interpretation or contex
It is a courtesy to our fellow members to post enough information so they don't have to open the link to know what it is about.
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Old 04-02-2013, 02:33 PM   #96
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Gerry, not picking on you, but we do prefer linked articles to have summaries or snippets provided. Naked links, as defined in the community rules (here)
It is a courtesy to our fellow members to post enough information so they don't have to open the link to know what it is about.
oh god. i just learned how to do links-how do i do that
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Old 04-02-2013, 02:36 PM   #97
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oh god. i just learned how to do links-how do i do that
Well, a summary you write yourself. A snippet you copy from the linked article and paste it here. Do you know how to copy and paste?
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Old 04-02-2013, 02:39 PM   #98
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Well, a summary you write yourself. A snippet you copy from the linked article and paste it here. Do you know how to copy and paste?
i can't win i started linking because rewho said i offered no proof of things
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Old 04-02-2013, 02:44 PM   #99
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i can't win i started linking because rewho said i offered no proof of things
Sure you can.

Lots of us are looking for answers, want to know what is going to happen, and how to plan. I have to get my insurance from the Florida exchange - no other option. So it's important to know what has already been announced as part of the program, what someone thinks might happen, and what is just journalism. We are just trying to separate fact from opinion, so we can plan with the facts.
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