Affordable mandated private insurance - the BIG lie - A look at the actual numbers on a MA site - Democratic Underground

Affordable mandated private insurance - the BIG lie - A look at the actual numbers on a MA site - Democratic Underground
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Well, I just went to the site in Massachusetts that helps uninsured families find and enroll in these plans. I typed in my income was above the 54,936.00 limit for assistance for a family of three and choose to find plans for a family of three of the following ages - 38, 41, & 14.

Here are the results:

Low premium. Most have deductibles and co-payments. Prescription drug coverage included. 4 plans $836.84 - $952.45/mo

- Okay, there is your first option....for between 836.84 - 952.45, you can buy a family plan with high premiums, deductibles, and co-payments. Now if you make 55,000 dollars a year, you and choose this plan, you would be paying 19.63 percent of your income for health insurance that DOES NOT FULLY COVER YOU, CAN DENY CLAIMS, & WILL COST YOU MARKEDLY MORE IF YOU ACTUALLY USE IT....(I used 900 dollars a month as a mid-way figure between the costs presented for purchasing this plan). It may be slightly more or slightly less.
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Low co-payments. No deductible. Prescription drug coverage included. 4 plans $1,493.62 - $1,739.38/mo

Whew, I am getting sticker shock at this point. Okay, let's start with the mid-level range for one of these plans, say 1,600 bucks a month. Or, to put it another way, for a mere 34.9 percent of your income you can have nearly full coverage health insurance that still can be denied, but it may cover a lot of if you ever need to use it. Fingers crossed.

Looking at a plan that matches the price I choose, the maximum out of pocket expenses is 2000.00. You STILL HAVE out of pocket expenses with the most expensive plan. Co-payments for meds were as high as 90.00 dollars per script. Durable medical equipment costs were 1,500 dollars before they pay a dime.

There you have it! That is the reality of health insurance costs for a family that makes too much to get government subsidies. And, from what I am reading about the national plan, the income rate for subsidies will be much lower. Also, you might want to know that the MA plan is becoming financially insolvent and they have been paying for the subsidies for purchasing health insurance by cutting benefits to lower income people...the poor sacrificing for the slightly better off. A reality that will be happening to people on Medicare and Medicaid across the country, if this current plan passes.

Here is the link to the site -

https://www.mahealthconnector.org/portal/site/connector /