General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsHow to opt out of Obamacare
From Grammar Jedi on Facebook:
How to opt out of Obamacare in seven easy steps:
1: When you buy insurance, don't go to the exchanges and get the best deal, just pick a policy off a company website or similar information source, they will take care of you I'm sure.
2: Keep track of your lifetime health costs, and when you get to an arbitrary amount spent, say $250,000, start paying all your own bills and don't bother that insurance company or any other anymore.
3: If you are already sick or have a condition when you get insurance, be sure to pay all the bills related to that condition yourself for the first year.
4: If your insurance company sends you a refund check because they spent less than 80% of premiums on health care, send it back!
5: If the government says you should only have to afford (for example) $250 per month, and your policy is $350, don't apply for the $100 per month subsidy. You may be poor, but you are not a socialist!
6: If you qualify for Medicare now but you didn't before, don't take it. It's a trap, the government is trying to take over your health care by paying the bill for you. You are too smart for that old trick!
7: Pay the $750 annual tax penalty for not having insurance, and the whole thing goes away. Now you are free to pay all your own bills. No fair using the emergency room unless you have cash!
See, there's nothing to worry about, you can be free from the socialist grasp of the government takeover of your medical bills by simply paying them all yourself. Free Dumb!
Got to share this one.
Recursion
(56,582 posts)Kick your children off your health insurance when they leave college
Do not use any Federally Qualified Health Clinics, which charge on a sliding scale
Don't use any evidence of providers' quality of care in deciding whom to see
NYC_SKP
(68,644 posts)Hoyt
(54,770 posts)Plus, if you hate commercial insurers, they get to take the risk of insuring those currently uninsured until we understand the risk involved. Medicare for all is close.
liberal_at_heart
(12,081 posts)If the ACA cannot substantially reduce that I may chose to opt out.
sheshe2
(83,654 posts)Is that for family or individual coverage? That sounds huge.
I pay less than $100 a month and that includes dental, vision and health. My coverage is through the company I work for. The coverage is for me alone. BCBS of Illinois.
Yours it outrageous.
Brewinblue
(392 posts)For single employee coverage, many employers will pay more than a 50/50 share.
sheshe2
(83,654 posts)I just wanted to know if LAH, is buying on an outside plan.
If it was individual or family. That is one scary amount to pay.
bhikkhu
(10,711 posts)...a couple with one child making 50k per year, for instance, would pay $345 per month, and have a $6250 per year maximum out-of-pocket. I figured that for my boss the other day. His insurance is currently $900 per month, with a $20k per year out of pocket maximum.
liberal_at_heart
(12,081 posts)I don't have an extra $6000 a year to pay for copays. Right now all of my copays go to collections. And if all joining the exchange is going to do is allow me to pay my copays I may just opt out. I'm tired of spending this ridiculous amount of money on insurance. I would much rather spend it on sending my son to a school that will actually treat him like an individual and not some test score.
sheshe2
(83,654 posts)Great post!
Love the "Free Dumb" comment!
SleeplessinSoCal
(9,082 posts)I didn't think the ACA had anything to do with qualifying for Medicare.
SHRED
(28,136 posts)indie9197
(509 posts)None of those scenarios seem realistic to me.
If you really want to opt out of Obamacare buy your own policy even if it is not an "approved" policy. Or don't buy one. Don't pay the penalty either. The IRS or government cannot force you to pay. There is no mechanism for collection. Just make sure you never get a federal tax refund from which they can deduct the penalties
You can always decide to buy an approved policy at a later date if you need to.
I have my own semi-decent policy (not through work) that costs me $169/ month and I am 53 yo. I am curious to see what ACA will do for me.