Ppaca

[gerrym51]

starting a new a upbeat thread.

1.it has made health insurance always available for people with pre -existing conditions.

2.It has lowered single and small group policies in states that have guaranteed issue.

3. it will enable subsidized access to insurance to millions of people who could not afford it.

4. it literally will make it EASIER for people to retire early by making a guarantee that you can purchase insurance

 

[REWahoo]

It has prevented the moderation team from focusing almost entirely on spammers...

 

[steelyman]

It has prevented the moderation team from focusing almost entirely on spammers...

There's my laugh for the day.

 

[gerrym51]

It has prevented the moderation team from focusing almost entirely on spammers...

whats worse-spammers or real posters

 

[steelyman]

whats worse-spammers or real posters

They can be the same thing.

 

[Silver]

I think implementation of the ACA is going to be a train wreck for a few years. But I am grateful that at least there may be a little toe wedged in the health care system doorway that someday may allow for some examination of health care costs.

 

[heeyy_joe]

I think implementation of the ACA is going to be a train wreck for a few years. But I am grateful that at least there may be a little toe wedged in the health care system doorway that someday may allow for some examination of health care costs.

"Experts" said the same thing about Social Security, about Medicare, and even the Civil Rights Act. Biased opponents are already judging it too quickly. It's going to take five to ten years to evaluate what a focus on prevention does for the efficacy of the entire system.

 

[ERD50]

whats worse-spammers or real posters

Since you listed only pros, and no cons, it comes across as spam.

-ERD50

 

[meierlde]

Note recently there have been a couple of reasons saying that medical cost inflation is slowing down siginificantly. Of course a big part is the expiration of patents on popular medicines such as Lipitor, with more big drugs due to go generic in the next 6 years. But the articles suggest that physicians may be becoming a bit more cost conscious, perhaps because sooner or later they will no longer be on a pure fee for service, but likely part of an ACO.

 

[donheff]

Cons: it is still a screwed up system.

Pros: health insurance for many, all who can afford it; we can focus on improvements from a more equitable starting point.

 

[ziggy29]

Cons: it is still a screwed up system.

And in some ways, it actually *increases* the link to employment when the opposite should have been done. The mandate to provide health insurance for anyone working 30+ hours or pay a penalty effectively writes health insurance as an expected employee benefit is now written into law. That is the exact opposite of what should have been done, IMO.

Also, the penalty for avoiding the "individual mandate" is far too weak to be effective for the young, healthy folks who are needed in the system to make the math work for eliminating underwriting and preexisting condition exclusions. IMO the penalty should have been at least equal to the subsidized cost of the lowest cost qualifying program for any given individual, as that would eliminate all financial incentive to "go naked".

On the flip side, it will be a lot harder for people of modest means to be bankrupted by getting sick. And it is also preventing me (and folks like me) from paying $1000+ per month on health insurance now that I've been laid off. Yeah, I could *probably* do considerably better than that (for now) in the individual market but it still does remove a considerable chunk of health insurance risk and uncertainty from retirement planning. Plus, it makes it much easier to stay retired, thus leaving a job for someone who needs it more.

 

[gerrym51]

Since you listed only pros, and no cons, it comes across as spam.

-ERD50

i've already served a 2 week banning. i'm not looking for another one

 

[pb4uski]

I think the reality is that there are too many unknowns and moving parts to reasonably predict what will happen. I'm sure the initial implementation in 2014 will be fraught with confusion and consternation. Beyond that, who knows.

 

[Texas Proud]

It has prevented the moderation team from focusing almost entirely on spammers...

Heck, I don't know why the last one was closed.... I thought it was a great thread....

 

[travelover]

Heck, I don't know why the last one was closed.... I thought it was a great thread....

Eventually all that is known is said and the conversation circles back around to arguing politics and points of view.

 

[ERhoosier]

Heck, I don't know why the last one was closed.... I thought it was a great thread....

Respectfully disagree. I was surprised it lasted as long as it did. Eventually turned into much boringly redundant speculation.

Since ACA was passed & SCOTUS (largely) upheld it, arguing pros/cons is now

Much more useful as things move forward would be a thread limited to actual updates on details of ACA implementation, inc specifics on application procedures & HI premiums for the Exchanges.
If interested you can sign up for e-mail updates here-
Health Insurance Marketplace | HealthCare.gov

 

[Texas Proud]

Respectfully disagree. I was surprised it lasted as long as it did. Eventually turned into much boringly redundant speculation.

Since ACA was passed & SCOTUS (largely) upheld it, arguing pros/cons is now

Much more useful as things move forward would be a thread limited to actual updates on details of ACA implementation, inc specifics on application procedures & HI premiums for the Exchanges.
If interested you can sign up for e-mail updates here-
Health Insurance Marketplace | HealthCare.gov

Sure, there were a number of pro/con posts (heck, me included), but there also was a lot of good info in there... I actually learned a few things...

At this point and time, a lot is speculation so I can see how people go back and forth... for me, I still get a paycheck so it only will affect me for now on price increases...

 

[REWahoo]

Sure, there were a number of pro/con posts (heck, me included)...

Which the mods have repeatedly cautioned about - and closed the thread when they continued.

Next question...

 

[Mulligan]

Which the mods have repeatedly cautioned about - and closed the thread when they continued.

Next question...

RE, Your real name wouldn't actually be Drew "next question" Rosenhaus would it?

 

[REWahoo]

Next question...

 

[gerrym51]

Next question...

 

[bUU]

Please correct me if I'm mistaken, but haven't the moderators made clear that the purpose of this forum is to present actionable information rather than subjective appraisals of how things are?

If that's the case, personally, I think it would make the most sense to just let people post specific questions or their own experiences when it is in the form of actionable advice, each in their own thread, rather than trying to collect-up all actionable information about ACA in one thread; that seems to just leads to subjective comments about ACA itself.