If you are forced to procure health insurance on you own, you will end up in the market place (healthcare.gov) whether you want to or not. I did. My eighteen months of Cobra was nearing an end and I had to get health insurance on my own. I chose a middle of the line policy and still my premiums rose by close to 50%, my deductible rose, my co-pay rose, and my policy is not as good as what I had from my former employer and subsequently through Cobra.
And what about subsidies? In order to qualify for subsidies, your projected income for the coverage year must be close to $12,000 for a single person. If your income is less, you don’t qualify for subsidies and have to go through Medicaid if your state has expanded Medicaid. Medicaid, of course, is not as good as having your own insurance.
When House Minority Leader, formerly Speaker of the House, Nancy Pelosi indicated that you can quit the job that you hate, write that great American novel, or follow whatever dreams you might have and not have to worry about having health insurance or access to health care.
Well, let me tell you something! If you’ve put some money away or have access to savings that will allow you to take months off from work to follow your dreams, you won’t qualify for subsidies unless that money is coming out of a retirement account of some kind where it’s counted as income and you have to pay taxes on it.
If you estimate you income as being over $12,000 and you qualify for subsidies, at the end of the year, you will have to reimburse the government, if your income doesn’t hit that level. That’s surely to hurt. So, you quit your job to write that novel and you’re living off of savings that took years to accumulate. Because you have no taxable income, you can’t qualify for subsidies, so you end up paying the full premium amount or go on Medicaid which is not as good. As far as I’m concerned, Nancy Pelosi lied. She’s a cold hearted snake, look into her eyes, oh, oh, oh, she’s been telling lies. We all know that the current president lied when he said, “If you like your doctor, you can keep your doctor. If you like your current plan, you can keep your current plan.” But Pelosi sure told a whopper, also.
This also opens the door for other questions. We all know if you don’t make your $12,000, you have to pay the government back. Now, what if you estimate that you will make, let’s say, $15,000 and qualify for subsidies, but good things come to you and by late in the year, you’re are able to pick up enough income where you don’t qualify for subsidies, do you still have to pay all that back? What if you write and publish that novel, having projected $15,000 income for the year? Then the book sales take off in December at Christmas. Are you going to have to pay all that money back? There are many unanswered questions and it will be interesting to see what problems arise after this year. I hope I’m wrong, but I have a feeling that these subsidies that were promised and not going to end happy for everyone.
While you still purchase health insurance from private sector insurance companies, the ultimate goal of the far left and some center left is to have a single-payer system, government run, cradle to grave, womb to tomb. Health insurance companies will disappear with everything being controlled by the government.
According to conservative radio talk show host, Rush Limbaugh, all of the chaos that is now part of Obamacare is part of the design, including the difficulty that ordinary people have when procuring insurance and eventually getting treatment for whatever is ailing them.
On Wednesday, May 27, the New York Assembly voted for legislation to establish publicly funded universal health coverage in a so-called single payer system. The Assembly is the lower house and the bill will make its way to the Senate which is Republican controlled. However, there is no guarantee that the bill will be killed in the Senate.
Because it’s health care, and because Obamacare is now woven deep into society, Republicans are scared to death at the prospect of killing it. They don’t want to take anything away from the people. And while the Senate Republicans in New York might be poised to kill it, they are working on their own version of a healthcare bill.
The New York bill parallels Obamacare. Everybody can enroll, so it would extend coverage to the uninsured, but many of the uninsured can’t afford to use it because they can’t afford the deductibles and co-pays. So, for all intents and purposes, they are not insured.
In other words, Obamacare is a disaster and the governing people in the state of New York want to fix it with a single-payer system. Once an entitlement is implemented, it’s never repealed.
Imagine having access to health care without having to pay premiums, deductibles, co-pays, etc. Plus there would be no evil insurance companies to deal with. Doesn’t this sound great? There are people out there that would sign on to something like this in a heartbeat. The government would have to approve every procedure and every treatment. The government would then have the power to let you suffer, and perhaps die. To get treatment, you would have to go to a government-run clinic where all the medical professionals are employees of the government.
Think about this folks, is this what you really want?