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Feeling kinda fucked with what I discovered (imgur.com)

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[–]kilomcorrido 49 ポイント50 ポイント  (35子コメント)

To be fair, you live in California. That wasn't exactly the best choice if you wanted to have money at the end of the month.

[–]OFF_TOPIC_[S] 7 ポイント8 ポイント  (33子コメント)

SF in finance. doing fine.

[–]Zeppelin415Libertarian Conservative 14 ポイント15 ポイント  (8子コメント)

Downvotes! r/conservative HATES San Francisco

[–]YosoffNatural Rights Conservative 13 ポイント14 ポイント  (5子コメント)

San Francisco is what Gomorrah would be like if it was ran by Hitler, Pol Pot, Stalin & Mao.

[–]thenorthremembers85 3 ポイント4 ポイント  (3子コメント)

What does that even mean?

[–]YosoffNatural Rights Conservative 21 ポイント22 ポイント  (0子コメント)

I'm not sure, but it sounds really bad.

[–]adlpSHITLORD 5 ポイント6 ポイント  (0子コメント)

sodomy up the wahzoo.

your asshole is the wahzoo

[–]FurbyFarts 0 ポイント1 ポイント  (0子コメント)

Extremely expensive and filled with victorian style homes?

[–]figecLibertarian Conservative 1 ポイント2 ポイント  (1子コメント)

But...but...crab legs and Anchor Steam beer!

[–]Zeppelin415Libertarian Conservative -1 ポイント0 ポイント  (0子コメント)

You just reminded me that crab season just started

[–]kilomcorrido 34 ポイント35 ポイント  (17子コメント)

That's even worse. You can live in a lot of places all across the country if you are in finance, but you chose literally the most expensive place to live and expected the insurance there to be cheap.

[–]redditreddit1234 8 ポイント9 ポイント  (1子コメント)

He. Is. not. a smahhrt. man.

[–]WolfeBane84 2 ポイント3 ポイント  (0子コメント)

Hence the living in Kalifornia.

[–]djk21108 3 ポイント4 ポイント  (2子コメント)

SF is a really nice city. Decent public transportation and a lot of amenities. It's pretty crazy on the municipal legislature side, but it's still a very nice city.

[–]kilomcorrido 5 ポイント6 ポイント  (1子コメント)

I never said it wasn't. I rather enjoyed the city when I went.

[–]djk21108 2 ポイント3 ポイント  (0子コメント)

Yeah agreed. Not really trying to lay into you or anything. Just wanted to make the point that yeah, it's expensive, but in some ways it's worth it.

[–]totesnotsarcasm 11 ポイント12 ポイント  (3子コメント)

I just want to know where you found a $1000 plan a year with $20 copays. That's unheard of anywhere in the employee/employer market.

[–]HawkEgg 2 ポイント3 ポイント  (1子コメント)

Nah, that's about the deal that I have through my employer, but the actual cost of the insurance is much more than $1000, it's just that the employer is paying for the remainder.

[–]Gabrielsword 2 ポイント3 ポイント  (0子コメント)

So really his employer just gave him a pay cut? Because that's how it is starting to sound to me.

[–]559 0 ポイント1 ポイント  (0子コメント)

How is the job market for financial/research analysts in SF?

[–]dirtybeans -1 ポイント0 ポイント  (0子コメント)

Go live in walnut creek, fremont or Pleasanton. Somewhere along the bart. You will be able to afford what ever health care you want and maybe even a house with more than one bedroom.

[–]pipechapLibertarian Conservative -1 ポイント0 ポイント  (0子コメント)

To be fair, some of us were born here, some of us can't leave because of family or other obligations.

It isn't as easy as simply being an individual and having the will to move.

The largest population of registered Republicans in the country lives in California. I honestly doubt all those people purposefully choose to live here while being fully unhindered and fully able to move to somewhere else.

[–]co_radioConstitutionalist Conservative 28 ポイント29 ポイント  (2子コメント)

Please show me this magic plan which costs $1000/yr and has a $20 deductible.

[–]mobed 1 ポイント2 ポイント  (0子コメント)

I would LOVE to pay 3k a year for family insurance. I live in MI and my plans didnt change much and I still paid 430 a month for myself and my wife before obamacare, 440 after obamacare. Yeah, 5k a year for insurance for myself and my wife. Trust me, you are lucky to pay that little...

[–]joshuad80Centrist 0 ポイント1 ポイント  (0子コメント)

my employer pays 90% of my premium and docked my pay by $1/hour when my insurance kicked in (contract work for telecommunications). currently, i'm paying ~$2600 out of pocket with a $500 deductible for my wife and i.

i am in an exceptional situation though as my small contract company can afford to pay so much. but there it is. my last job was the exact opposite. paid about ~$3000/year with a $10,000 combined deductible.

[–]madmike78 24 ポイント25 ポイント  (7子コメント)

health insurance for $1,000 a year?

does not really sound credible .. no offense

[–]cranktheguy 12 ポイント13 ポイント  (5子コメント)

Seriously, where did you get insurance for $1000/year with tiny co-pays? I pay more than that for a high deductible plan!

[–]wethedownvotedNeoconservative -2 ポイント-1 ポイント  (4子コメント)

pre-ACA you could get catastrophic plans with high deductibles for pretty cheap, they were basically bankruptcy insurance. i was paying ~$100 a month. co-pay was $50 though, but it doesn't matter now; ACA has blessed me with $325/mo premiums. praise Obama! praaaaaiise himmmmmmm!

[–]cranktheguy 3 ポイント4 ポイント  (3子コメント)

OP claimed he had copays of $20 and $5. That's not catastrophic coverage. Some information is either incorrect or omitted.

[–]General_Hide 0 ポイント1 ポイント  (2子コメント)

That's exactly how mine is, but it's through my company

[–]cranktheguy 1 ポイント2 ポイント  (1子コメント)

So is OP comparing his current subsidized company insurance to the open market? That would be important to the comparison.

[–]General_Hide 3 ポイント4 ポイント  (0子コメント)

Can't really tell, only that his plan sounds similar to mine and I can't imagine any open market plan beating the one my company gives me. It's one of the best offered anywhere

[–]General_Hide 0 ポイント1 ポイント  (0子コメント)

I pay $75 a month for my insurance. Full coverage including dental and vision, $20 copay, $5 prescription, $250 deductible

[–]SlephenX 30 ポイント31 ポイント  (25子コメント)

Great post man, I can't believe just how bad it is. You should post this in other subs too, it would be great to see how some of these people defend it.

[–]nicksvr4 15 ポイント16 ポイント  (6子コメント)

Obamacare is only a "deal" if you get huge subsidies. That's the point of it. Not to insure those that can get it, but provide a near single payer system for those who can't afford it. A giant expansion of Medicaid.

At least, that's how I see it.

[–]conservynatorQ 3 ポイント4 ポイント  (2子コメント)

Health insurance is, for the most part, only a deal if you are very sick or get subsidies.

Most people get their subsidies from their employer (and the government through tax deductions). My employer provided insurance is more than $1000/month and I have never used it. My employer covers 80% of the cost and won't give me the money if I decline the insurance so I spend the $200/month to get a "$1000 perk" but I would drop it in a second if I had to pay the full $1000.

[–]JobieWanKenobi 1 ポイント2 ポイント  (1子コメント)

You can't drop it now, you're forced by obamacare to have it

[–]joshuad80Centrist 0 ポイント1 ポイント  (0子コメント)

it's only an expansion of medicaid for those who qualify for medicaid. most people will qualify for a subsidy and end up with one of the private policies that are available on the marketplace.

[–]emagdnim29 -3 ポイント-2 ポイント  (0子コメント)

One more incentive for people not to work and stay on the government's tit.

[–]rob_s_458Libertarian Conservative 33 ポイント34 ポイント  (12子コメント)

It would probably be downvoted into censorship.

[–]SlephenX 12 ポイント13 ポイント  (10子コメント)

Yeah, you're right. Can't ask you to commit karmic suicide.

[–]Day_C_Metrollin 10 ポイント11 ポイント  (9子コメント)

Kind of sad how posting true facts and actual empirical evidence is asking for karmic slaughter.

[–]mswilso 22 ポイント23 ポイント  (6子コメント)

Can confirm. I'm a Christian who replies to /r/debateachristian. Pure karmic suicide.

[–]Day_C_Metrollin 21 ポイント22 ポイント  (2子コメント)

That's ridiculous. People are literally asking for an opposing view just so they can downvote it. Good for you for arguing in good faith

[–]mswilso 12 ポイント13 ポイント  (0子コメント)

Thanks for the encouragement. I thought I was losing my mind. ;)

[–]my_socrates_note 1 ポイント2 ポイント  (0子コメント)

Upvote for the excellent pun

[–]chordialReagan Conservative 15 ポイント16 ポイント  (0子コメント)

/r/berateachristian

FTFY

[–]sucka_puncha 5 ポイント6 ポイント  (0子コメント)

Jeeze, I've never seen a bigger bunch of loaded questions together in one spot.

[–]Warbick 1 ポイント2 ポイント  (0子コメント)

Keep fighting the good fight :)

[–]OFF_TOPIC_[S] 12 ポイント13 ポイント  (1子コメント)

Unfortunantly, we do it here in /r/conservative as well when we see a post we dont like. The censorship goes both ways because they see the others beliefs as lies.

[–]DonVito1950 -1 ポイント0 ポイント  (0子コメント)

downvote missile away!* but nuh uh!

[–]dirtybeans -1 ポイント0 ポイント  (0子コメント)

It wouldnt be down voted at all. The number one comment will be "we need single payer"

[–]conservynatorQ 18 ポイント19 ポイント  (4子コメント)

It isn't a defense but this is what you have when you move to community rating.

I have never been able to get a health plan for ~$1000/ year, let alone the full coverage that you are describing but that is because I have always gotten my healthcare from my employer. Employers have always been forced to charge all their employees the same price for health insurance, so secretly it has always kind of been a bad deal for a young, single guy, but it is a very good deal for large families and/or sick people. The younger people at the company pay more than they otherwise would but the families and older people pay much less. Everyone gets the security of knowing that as long as they have that job, they can't be kicked off or have their rates jacked when they do get pregnant or sick.

Obamacare does the same thing for everyone that employers used to do for employees. From the details of your imgur captions, I surmise that you are a young, single guy, or the very, very cheapest person to insure. When you were rated and charged based on your likelihood of needing healthcare, you got the very cheapest rate. Now you are charged basically the community rate, without regard to your health or gender. The same rate as the person with a genetic disorder, high-risk pregnancy, or older person. It is going to be higher now, but if Obamacare sticks around for 25 years, your insurance at 55 will be much cheaper than it would have been.

The only people I know who are actually on Obamacare (selection bias warning), and not receiving subsidies, saw their rates go down because they were families with a history of health problems. They were constantly being subject to recision and nonrenewal prior to Obamacare, as well as sky high rates.

Obamacare was always going to raise rates for young people but the trade off is that young people eventually get old and then recoup it in lower rates at that time.

[–]Gavin1123 7 ポイント8 ポイント  (3子コメント)

young people eventually get old and then recoup it

Sounds like Social Security.. And that has a great outlook for young people now.

[–]conservynatorQ 0 ポイント1 ポイント  (2子コメント)

You are talking about one of the most popular government programs in the history of America and it is popular across every demographic. Politically this isn't the strongest argument for why Obamacare is bad. Most people probably benefit or aren't hurt by community rating so they like it.

[–]PHProx 5 ポイント6 ポイント  (1子コメント)

What do you mean popular? Social Security is compulsory.

[–]conservynatorQ 0 ポイント1 ポイント  (0子コメント)

I mean that in most polls and surveys it has the highest support of any government program or policy ever. It is literally referred to as the third rail of politics because of its popularity

[–]FurbyFarts 13 ポイント14 ポイント  (5子コメント)

Holy shit that is way cheaper than what I pay.

[–]pinchmeplease 2 ポイント3 ポイント  (4子コメント)

Seriously??

[–]FurbyFarts 6 ポイント7 ポイント  (3子コメント)

Single person HMO premiums are about 2700 a year and married is about 7000 a year.

[–]UnoriginalMike 0 ポイント1 ポイント  (2子コメント)

OP said this was for a single adult male, no kids

[–]FurbyFarts 4 ポイント5 ポイント  (1子コメント)

The 2700 a year is single adult for just the premiums. Not adding any out of pocket costs.

[–]SMSgtBrownReagan Conservative 12 ポイント13 ポイント  (4子コメント)

"You'll take your "Afordable" health care and like it!". This isn't healthcare, this is a tax.

[–]baldyloxRight Social Libertarian 0 ポイント1 ポイント  (2子コメント)

The only way that the SCOTUS was able to uphold the ACA was by calling it a tax.

[–]FarsideSCConservative 3 ポイント4 ポイント  (1子コメント)

Well to be more correct about it, one justice called it a tax. All the rest of the justices made disagreements with that.

[–]PHProx 1 ポイント2 ポイント  (0子コメント)

Well to be more, more correct, ACA is just regulation/mandates. This includes a 'penalty' which will be assessed on those who choose not to purchase a qualifying health insurance plan. This penalty is collected by the IRS and has been called a tax.

SCOTUS has ruled that the constitution gives the federal government the power to collect taxes, period. Arguing that this money is a tax versus a penalty is an argument concerning its constitutionality.

[–]not-Kid_Putin -2 ポイント-1 ポイント  (0子コメント)

Then the liberal says "its tax because you're not paying enough already to me"

[–]mastaxn 2 ポイント3 ポイント  (1子コメント)

That's less than half of what I pay for me and my wife per year.

[–]baldyloxRight Social Libertarian 0 ポイント1 ポイント  (0子コメント)

Same here, but we're in our 40's - that does make a difference.

[–]Sumner67 2 ポイント3 ポイント  (2子コメント)

I need to get a surgery done that costs 30k+. I am signing up for a bronze obamacare plan so come January, I will not have to pay the penalty. Then I will be able to get the surgery and only pay 5k for the deductible thanks to family giving me what they can help with, then cancel the insurance after the surgery is done because I can't afford the monthly. Sucks but it's all I can do.

[–]T-S-Erik 1 ポイント2 ポイント  (0子コメント)

Holy shit, man. Hey, but it's a 4-star plan, so...You got that going for ya.

They really need to add scare quotes to the ""Affordable" Care Act" title.

[–]worldspawn00 6 ポイント7 ポイント  (0子コメント)

Who do you get your insurance from? What's the plan designation? I honestly don't believe you're getting any sort of real coverage at $1K/year. I haven't seen any sort of decent coverage for less than $2K/yr anytime in the last decade, and I'm in my early 30's. if you're getting this amazing deal don't be an asshole and share the details, there are people who can't afford the exchanges who would love to know.

[–]RangerGranger 5 ポイント6 ポイント  (0子コメント)

You are now paying for people who are unhealthy. Welcome to Obamacare. The biggest lie ever perpetrated on the American people and, evidently, we are too dumb to notice.

[–]NolanChancellor 9 ポイント10 ポイント  (5子コメント)

This is why I don't have insurance

I am not paying $300 a month as a 26 year old

I haven't had to visit a doctor for the last 2 years thankfully. But why pay $3600 a year for something I might not even have to use.

I wish there were an option for catastrophic plans, but those are illegal now. AKA what insurance should be, insuring against something major, not every single health related item under the sun.

[–]FurbyFarts 16 ポイント17 ポイント  (3子コメント)

It takes one ER visit to go bankrupt.

[–]ayrnieu -3 ポイント-2 ポイント  (1子コメント)

Until they repeal Obamacare. Then he can buy insurance again.

[–]baldyloxRight Social Libertarian 0 ポイント1 ポイント  (0子コメント)

This is exactly what's wrong with the way the law was written. Healthy, young, single people simply aren't going to spend all of their leftover disposable income on a bad product that they do not want or need. They'll simply pay the pittance of a fine when tax time comes around.

[–]UnoriginalMike 4 ポイント5 ポイント  (2子コメント)

Thankfully I still have healthcare available to me that isn't nearly this bad. I am a hug proponent of health insurance, as my son is a high needs kid and has spent an inordinate amount of time at the hospital.

He has eosinophilic esophagitis, fructose malabsorption disorder, underdeveloped lungs, and severe allergies including anaphylactic reactions to rare things like milk, meat, and nuts. He has a g-tube, was diagnosed with failure to thrive and microcephaly when he was an infant. He wears out very easily and regularly has breathing and lung problems, he has a nebulizer and inhaler, super fun for a child to need to deal with. We take an epi pen literally everywhere as milk can kill him. School has been an extreme difficulty, he is in preppy-K, thankfully the school district has done backflips to accommodate us. We have to test foods individually to insure they are safe, we have never gotten to 20 before needing to pull all food to reset his system. He is currently off all food.

We are regulars at the local ER, which is thankfully close. The local children's hospital is excellent, and so I consider us very lucky. My son is up to 19 individual stays in this hospital that were at least overnight, stays lasting over a week are common, this number does not include hospital visits where we did not stay overnight. Had we not been insured through tricare, his first overnight stay would have cost us more than $60,000. Others would have cost similar, that is not including ER trips, doctors appointments (we have a lot of these), massive amounts of prescriptions and medications. My son is a medical anomaly and most doctors won't touch him, the few that do are completely out of their depth, his health problems are new and rare.

With the healthcare we had, we were ok. Again, I am strongly for health insurance. Then the government decided to get involved. I don't know when it's going to catch up with my son, but the new mandate has cut my hours from 40+ a week to between 8 and 16. See, I work in the medical field and with the new mandate my job is no longer covered by insurance cost. Me doing my part comes directly out of doctor profit. If the new mandate catches up with my son, I am going to be flat broke in no time. Without sarcasm I say thanks Obama. The policies you pushed for since you campaigned for president have hurt me directly and are likely to catch up with my high needs son.

Side note: every time I try to talk about this subject I seem to attract some hate mail. Reddit can be a pretty cruel place full of some pretty big assholes. My son is highly functional, very bright, likes Star Wars, batman, Legos, sword fighting, and playing baseball. He, like his sister, is the light of my life and I would give my life for him. Inb4 maybe the universe is telling you your son shouldn't live. Inb4 maybe you should just let your son die. I guess telling someone their son should have been aborted is ok if it doesn't fit the narrative.

[–]cranktheguy 4 ポイント5 ポイント  (1子コメント)

My son was born with a chronic disease as well. He spent his first 6 months in a hospital, and that was only a taste of what was to come. Even with insurance I was drowning in debt from associated cost (travel to hospital, time off of work, parking garage fees, fast food while living in a hospital, etc.). The problem crept up a couple of years later as he was about to hit his lifetime maximum benefit. Obamacare got rid of those. I have coverage through my employer, and the cost went up every year until Obamacare passed- since then it hasn't gone up. I guess I'm one of the ones who benefited from the law passing.

All of it payed off: my son is thriving and in public school (something I never thought would be possible). I hope the best for you and your son.

[–]UnoriginalMike 2 ポイント3 ポイント  (0子コメント)

That is excellent news! I'm glad obamacare did something positive

[–]spiderfish13 5 ポイント6 ポイント  (1子コメント)

Were where you guys finding these plans. When I was in my twentys, well over a decade ago, all I could find was $120+ a month for 80% coverage and $10,000 deductible insurance with a $500,000 max pay out.

I stayed uninsured.

[–]juslen 0 ポイント1 ポイント  (0子コメント)

5 years ago I purchased my own private insurance. 97 dollars a month. 3k dollar deductible. 100% covered after the deductible. No copays. Needless to say, after a year it went to 127, then a year later it was 156 and then a few years after that, it went up to 197 dollars a month. Oh and of course, It's no longer ACA compliant and will be phased out in August 2015. It was a HSA insurance plan as well. So my expenses were tax deductible.

[–]RangerGranger 0 ポイント1 ポイント  (0子コメント)

My previous insurance was a $1000 deductible family plan. 10 copays for Dr visits and 20 copays for hospitals and ER visits. It cost me $530 per month. I got an ACA compliant policy which raised my deductible to $10,000, Dr visits are now $60, and ER visits are now $200. Oh, and it is now $1526 per month. I dropped it like a hot potato. I can't afford the affordable care. So we sent my wife to work and we now have affordable healthcare again but my poor wife, who has been a stay at home mom now works 50 hours a week. I worked very hard my entire life so that my kids would have a parent at home always but now it's over.

[–]uberpowerLibertarian Conservative Traditionalist 3 ポイント4 ポイント  (3子コメント)

The ACA coincidentally screws single healthy white men the most. Hmm, I wonder, which group voted against Obama in the largest numbers?

[–]thenorthremembers85 1 ポイント2 ポイント  (2子コメント)

No, you are a single healthy white man, and you have a persecution complex so you jump to conclusions.

Out of your list, only 'healthy' really matters, with 'man' possibly making a negligible difference. Who was actually "screwed the most" is healthy people who make more than double poverty-level wages. Which is me and probably you.

This isn't because of our race or voting record, but because we had the best deal before (and probably still do) and thus had the most to lose.

Stop turning everything into a giant racial conspiracy out to ruin your day, and you'll be a lot happier.

[–]ezfrag 5 ポイント6 ポイント  (0子コメント)

We had the best deal before because we were the most insured group in the country, and the premium to payout ratio was much more in favor of the insurance company than for females (who generally go to the Dr. more), children (who tend to get sick more often than adults), or minorities (who tend to go to the ER for treatment, even when insured).

[–]uberpowerLibertarian Conservative Traditionalist 0 ポイント1 ポイント  (0子コメント)

I'm married and require regular physical therapy visits. My insurance now costs more, is less widely accepted, and my copays went up too (since the ACA). My wife's medical situation can be described as a total mess.

Apparently, screwing me & my wife & children is OK, and putting us into debt is good because Obama voters need my earnings more than my family does, where both my wife and I have medical issues.

Fairness. It doesn't happen by targeting middle class families of a certain race.

[–]GibbsAH 0 ポイント1 ポイント  (0子コメント)

My wife and I both 34 in good health no kids non smokers. Cheapest plan $375 a month $12,000 deductible.

[–]___ok 1 ポイント2 ポイント  (0子コメント)

My employer insurance didn't really change but my prescription went up 460%, which is charged to my insurance, but they only allow 1/4 the amount to be filled, so my out of pocket costs went up 4 times.

I can't say for sure why it went up so drastically, but I have a good guess.

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[–]wiseprogressivethink -1 ポイント0 ポイント  (0子コメント)

But you've finally got health care now, racist. Shut up. Obama probably saved your life.

[–]MechDork -2 ポイント-1 ポイント  (1子コメント)

I was paying $100/month for my healthcare... 1500 deductible, ZERO copays and 100% coverage and $50 ER fee. Then Obama care hit and the closest I could get was $230/month for $5500 deductible, $40 copays, $250 ER and 90% coverage.

Luckily I was able to get covered through my new employer... costs me about $150/month for $2500 deductible, $50 copays and $500 ER fee! Still ridiculous!

This is for just me, almost 40 in Missouri with no major health issues.

What I don't understand is if people can't afford healthcare in the first place how in the hell are they gonna afford a $5000-10000 deductible?

[–]ezfrag 0 ポイント1 ポイント  (0子コメント)

They can't. That's the whole "stupidity of the American voter" issue. Everyone wants "healtcare", but no-body bothered to see how it would get paid. Premiums went up, but we were prepared for that, but the $5000 deductible is freaking insane. If not for the other 3 members of my family, I'd never hit a $5k deductible.

[–]ezfrag -2 ポイント-1 ポイント  (0子コメント)

The $60 co-pay for a Primary Care visit (After Deductible) is what my primary care physician charged to uninsured people before Obamacare went into effect. Also, my daughter's allergy prescription that was $17 cash, is now a $25 co-pay. WTF?!?!