So let's lay it out

[1Admin]

How exactly is the new obama (lack of) care health plan going to affect you?

Let's take a standard has insurance from their job type person and
a family with no medical insurance that self pays.

Break it down dollar for dollar, every piece that will be crammed down our throats.

[610Alpha]

Ok I'll bite and use some numbers. 2 person family 1 income no kids.

36,000 Gross Annual Salary

21,600 Net Annual

1800 Bring home/month
-535 Rent
1265
-109 Car Insurance
1156
-125 Utilities Elec/Gas
1031
-600 Health Ins. Required by Obamacare this was the premium at last job back in 2007
431
-265 Student Loan Payment
166
-100 Car Gas
66
-125 Food to eat for a month
- 59 in the hole

This leaves out a phone and/or cell phone, no internet, no hygiene products (eww stinky), no clothes, and a whole slew of other items...$600 premium or pay the $200/month fine.

I haven't heard of one persons premiums going down...has anyone else?

[BioG8r]

For those of us who already have a decent policies...
1. Millions of newly insured will probably make the wait quite a bit longer to get care.
a. Time spent with doctor will be less, less truly personal care.
b. Scheduling will be more of an issue, probably more emeregency room visits.
2. I am personally afraid that assembly line health care will cause Drs. to miss new medical issues, allowing them to slide by until they become major.

I understand there maybe an increase in co-pay in the long run - That will no doubt come in the near future.

All in all, I don't forsee big changes for my wife and I right now.

[1Admin]

So someone with NO medical insurance, doesn't go to the doc for a sniffle, treats most non life threatening things at home, takes decent care of their health etc........

[MustangGal]

My BIL, a small business owner, predicts that lots of people will lose their current insurance, because it will be cheaper for businesses to pay the fine.

[Not_Yet_Prepped]

I have been places that have "unversal health care". UK, France and Hungary and in cases I would rather have my expensive health care here. My wife is Hungarian and they have had this "Free" Health Care for a very long time... But when you go to the doctor or hospital you bring a wade of cash with you and you expect a simple visit to take all day.

#1. The cash is for "tips"... If you dont tip the doctor very well when he walks in, you are NOT going to get good service
#2. The wait is for ever.... Think of the line at the DMV. 10 test givers, 100 people waiting, only 5 people taking a test at a time... If your not there when the doors open you will be there ALL DAY WAITING.
#3. Goverment Red Tape and Goverment policies doing their best to make sure no work actually happens.
#4. Comfort does not matter any more. Your in pain... Oh well you will live. You dont requre LOCAL ANESTHESIA before minor procedures... And sense it is only desired not required the goverment is not going to pay for it... And since the goverment would not pay for it, neither will your goverment sponsered insurance.

So free health care is NOT FREE, and NOT CARING either.

[BioG8r]

So someone with NO medical insurance, doesn't go to the doc for a sniffle, treats most non life threatening things at home, takes decent care of their health etc........

Will pay for insurance or the fine....

[SeldomSeenSlim]

No affect on me.

[SCinPNW]

My husband works for a fairly large company that has had top of the line health benefits, however, once Obamacare was passed the company immediately started their planning as to what they would do should the new healthcare laws be implemented. Last year we were informed that major changes would be implemented in 2013. What we do know is that our out of pocket expenses will be going up significantly and that less things will be covered. I am thinking our coverage will look more like an HMO/Grouphealth type of coverage. And no offense to anyone, but I am not a fan of Grouphealth. With a medically fragile/special needs kid I prefer to be able to pick the doctors we think will offer our son the best care, and with a Grouphealth type of plan I don't think that will be as much of an option--I could be wrong.

The other serious affect of this new law will be a shortage of doctors and medical professionals. My guess is that we will see a lot of doctors retiring early or changing careers, and alot of people considering the medical profession choosing something else.

My other big concern with the socialization of medicine is that we will see rationing of health care as is seen in other countries. The thought that my son or my mother, who is very ill, could be told that they are not eligible for needed medical care just infuriates me.

Keep praying!
SC

[Not_Yet_Prepped]

We are looking at the small picture here, being the cost to your house hold, which I think most working class people will be paying more for insurance than they already are.

But, What about the big picture?

My wife works for a "Non Profit" rehab hosiptal. When the bill first past, the business office had to do a "study" to determine how this was going to affect them. Well with their current expenses and their current patient base, they realized that 6 years after the bill is in full affect they will be closing the doors. If a "Non Profit" will have to close the doors because the "allowed charges for services" is less than the services actually cost, what is a for profit hospital going to do?

THEY are going to reduce the level of service to the point where they can continue to make money. This does not sound very good to me.

Insurance or not and you have a life threating injury you walk into the ER and you get service (and ER care here in the US is the best in the world), that seems like a pretty good thing to have.

But Now it seems that soon there... will be more people in the ER, Fewer doctors and nurses there to do their thing, Fewer medical "Toys" and Fewer "New Toys". So your injury might not be seen right a way and your doctor will have fewer options to treat your injury.

So we are trading in the best "Trauma Medicine" in the world so that everyone can go to a doctor when they have a runny nose or a headache. Just does not sound like a good trade to me!

[1Admin]

Will pay for insurance or the fine....

And the "fine" is $600. correct?

Still cheaper than paying a couple thousand a year for something you do not use.

[BioG8r]

And the "fine" is $600. correct?

Because of phasing in and income levels.......
here is the best info on it I have found-

http://www.businessinsider.com/how-much-is-the-obamacare-penalty-tax-2012-7

[610Alpha]

And the "fine" is $600. correct?

Still cheaper than paying a couple thousand a year for something you do not use.

The fine will be LESS THAN $1000 in 2014 and increases to $2400 in 2016 IIRC. So if you don't carry insurance you get TAXED. Since it is a TAX it can be overturned with a simple majority I do believe.

[Matt In Oklahoma]

We have been told to expect up to a 12% premium increase with a decrease (unknown factor at this point) in benefits

[blankstare]

not affecing me presently...but everything can and will change....i'm waiting for the rumored "tagging" clause to go into action in march 2012