How Are You Affected By the ACA?

All this talk about the Affordable Care Act... or "Obamacare," if you want to use it as a dirty word. Has me thinking, let's share how it has affected us personally since its first inception, and how it will affect us personally in 2014.

 

Has - my 24 and 22 year old sons are able to stay on our insurance because they can't afford their own right now. We LOVE this aspect of the ACA. The older one expects to get hired on by the company he is temping at when they pull off their national freeze, and the younger one had started his own business this summer, so I expect him to stay with us for awhile.

Will - we won't see any changes in 2014, and I just received our premium statement for the past quarter, and our insurance premiums went down.

Minnesota has set up it's own exchange, and I have not personally heard of any problems with it.

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Comments (1)

  1. true1patriot

    I work for a major corporation and my coverage has not changed, nor has my premium gone up any more that it has yearly for the past ten, fifteen years. It is my understanding that the only ones affected are those who were privately insured and the uninsured, which is a very small segmant of the population. Can’t wait for the consrvatives to show up here with their lies and talking points. The True Patriot

    October 31, 2013
    1. jillsthoughts

      Yep, that is my point. We keep hearing how this is “going” to affect everyone, but the actual effects haven’t panned out for anyone that I am aware of. But here is the place to tell us if things are changing. If the republicans don’t show up, we’ll assume that there are no changes in their status.

      October 31, 2013
      1. true1patriot

        I haven’t run across anyone I know that has been adversely affected by the ACA.

        October 31, 2013
    2. jillsthoughts

      What state are you in, TP?

      October 31, 2013
      1. true1patriot

        Virginia

        October 31, 2013
  2. lamebull

    Annie got notification that nothing would change on her Blue Cross plan…. as for me and the VA health care system they are certainly cutting back on services….

    October 31, 2013
    1. livelonger

      If everyone has health care services available, including Congress, from the same source, why do we need a VA hospital?

      October 31, 2013
    2. livelonger

      We don’t hear complaints from conservatives about a socialist state-run medical system for veterans.

      October 31, 2013
    3. Delmarva

      I get my health care from the VA in Baltimore. No cahnges there. The care has been excellent. Actually, it has been better than when I had coverage through my old place of employment. There I used to wait in the waiting room for hours. Here at the VA I get to see my doctor usually within 15 minutes of the appointed time.

      October 31, 2013
      1. lamebull

        The VA here (Gallup and ABQ) have eliminated some things such as automatic notifications every 6 months for blood work etc. and have discontinued (except at their discretion) the use of fee base services

        October 31, 2013
        1. jillsthoughts

          Interesting. I wonder why they are doing that? And what replaced the fee-based services? Thanks for responding, by the way.

          October 31, 2013
          1. lamebull

            As to the fee base services at the ABQ VA, all I was told is “we don’t do that anymore”…. a bummer because driving to ABQ from the Zuni Mtns., especially in winter is a real trial…. after I mentioned Annie’s Blue Cross, today came a notice raising her premium by 30 dollars per mo….

            October 31, 2013
  3. morningafter7

    That’s good that (so far) it is working for you. But the affects go beyond what it does to our insurance. For instance, a major grocery store chain in our area has quit hiring full-time employees at all. From now on, unless it’s management, anyone they hire will be 27 hours or less so the company is not required to provide insurance for them. This is going to affect the economy as a whole.

    October 31, 2013
    1. wirelessguru1

      jill only cares for herself…

      October 31, 2013
    2. jillsthoughts

      Sounds like a sucky company. I’d be boycotting it. We haven’t seen anything like that here. What state are you in, MA7?

      October 31, 2013
      1. morningafter7

        Florida.

        October 31, 2013
    3. true1patriot

      But all the others still offer coverage. What does that tell you. It tells me that the grocery store in question is in trouble financially. The True Patriot

      October 31, 2013
      1. jillsthoughts

        And the owner is a dickhead. Just sayin’…

        October 31, 2013
        1. true1patriot

          Yes, that too. He will pay as those other crocers will get the best employees. Those with the best benefits always do. The strong will survive. The smart owners will survive.

          October 31, 2013
          1. jillsthoughts

            Yep, goodness will prevail, despite greedy people.

            October 31, 2013
      2. morningafter7

        I worry that other companies will do the same.

        October 31, 2013
  4. livelonger

    Well, good for them. If they can get away with keeping people’ schedules below 27 hours and there are enough people who can work for that little, they’re in the black. The question is what happens when they drive the town population down so low they won’t buy.

    October 31, 2013
    1. morningafter7

      I think in the long run it’s bad for them. That’s the problem is that there are NOT enough people who can work for that little. If they take that job, their options are to maybe work two part time jobs and try to adjust their schedules around both. Most likely, they won’t be able to make enough money, won’t be able to buy things, will be FORCED to pay for insurance on top of that (so will be even more broke), or if they are lucky will qualify for Medicaid (thus adding to the burden on tax payers). If the store can’t hire enough part-timers, they will remain short-handed, shelves will go unstocked, sales will go down. The list of negatives goes on and on…………………

      October 31, 2013
  5. Docinbird

    The state insurance exchanges based on the ACA look promising. I intend to check them out once the initial rush is over. The policy I bought doesn’t expire for another six months or so.

    October 31, 2013
    1. jillsthoughts

      Yes, I am not hearing any complaints in Minnesota over the state exchanges, but I think our state has a higher than average number of adults already on insurance.

      November 01, 2013
  6. deaconjim

    I don’t anticipate anything different for me or my wife. She is on Medicare and I have employee/spouse coverage at work. My insurance is primary for her and Medicare picks up what’s not paid by BC/BS. The premium went up a little, but no more than usual.

    November 01, 2013
  7. i_ching_chong

    Not buying into it. I would rather take the “fine” hit than prop up more cigar chomping boars lazing around
    wall street. imagine what would happen if we all did the same, but nooooooo, too insecure about what may result in the event of an genueen uprising!!

    November 01, 2013
    1. jillsthoughts

      I appreciate your honesty.

      November 01, 2013
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  9. jillsthoughts

    This ^ is a speculation. What I want to hear from you, Troll, is how your health plan has changed, or if it has not.

    October 31, 2013
    1. mrmacq

      Obama will now pay for his lobotomy
      no more will troll have to stick that ice pick up his nose
      wiggling it to and fro
      to get the desired results….and then some

      October 31, 2013
      1. jillsthoughts

        Troll is a she. From Norway, I believe, but now living in the US.

        October 31, 2013
        1. mrmacq

          she…says shes from Norway
          she…also says she came from a socialist country
          “Norway’s impressive gains in economic freedom have moved it once again into the “mostly free” category. The government has focused on containing expensive welfare programs, with the accumulation of assets from hydrocarbon production in the National Wealth Fund providing a cushion for fiscal stimulus. With the budget deficit narrowing, public debt remains under control. However, state ownership in key industries continues to be substantial.

          The strong competitiveness of the Norwegian economy is built on openness and transparency, with policies that support dynamic trade and investment. The quality of the legal framework is among the world’s highest, providing effective protection of property rights. The rule of law is well maintained, and a strong tradition of minimum tolerance for corruption continues."
          .
          Norway is not socialist
          I will give you “partly”
          so if “she” is lying about that
          what else could “she” be lying about?
          (more than likely the size of the icepick is my guess)

          October 31, 2013
          1. gbakere

            Troll and I recently had a lengthy argument. I finally told her that she really wasn’t participating because she never substantiated any of her claims. All she did was spew the same kind of crap she just said to Jill. I said, “Do me a favor. In the future, keep your stupidity, ignorance and insults off my posts. You’re a waste of everyone’s time.” She said, “Dream on.” So I blocked her. Problem solved. No longer any need for me to dream.

            October 31, 2013
          2. mrmacq

            I don’t know what it is about your right down there
            nary a one of them
            ever bring facts to the table

            October 31, 2013
    2. gbakere

      October 31, 2013
    3. jillsthoughts

      Their working on the website has nothing to do with people getting healthcare. It doesn’t start until 2014. Speculating is saying, “wait until…” that is not based on facts. You might just as well say wait until the cows come home.

      October 31, 2013
  10. livelonger

    As medicare is a system that most Americans like, that takes care of the elderly, what’s the objection? It, too, makes use of bids to profit-making insurers. Is the problem that it provides care to people that can’t afford health care, so they should die?

    October 31, 2013
    1. livelonger

      You’re entitled to your paranoia.All we have to watch out for is the newbie Teaparty amateur politicians trying to dictate what laws they want passed.

      October 31, 2013
    2. livelonger

      The question is how to insure them by directly insuring them. It would be least socialistic to pay profit-making insurance companies to insure them.
      You’re describing Obamacare which does that for the poor exactly that way.
      Any other way would be to pay for medical care directly to hospitals, which is what you call socialistic.

      October 31, 2013