The Unaffordable Care Act

forkush, you are one sad piece of work. The only mistake here is you.

The smart 25 year old excepting those that are independently wealthy will conclude that if they have to use the insurance it means they are going to be looking at going broke so the insurance isn't worthwhile.

You said the typical premium for someone that age was $146 a month so that gives them up to $1752 dollars a year to spend on medical treatment instead of insurance. If they need to spend more than that on medical treatment in any given year it is likely they have suffered an illness that will cause them to max out their out of pocket and bankrupt them.

So the insurance through the exchange is a bad deal for a healthy 25 year old.
Oh yes and my attorney tells me that yes my family will hit the maximum out of pocket every year like clockwork. Looking at the likely premium plus the out of pocket I have concluded I simply don't have an extra 25k sitting around to pay for treatment especially now that medical profession has sucked every last cent out of me.

So I suspect for my wife and me it will be much like it has been the last three years go to the family doctor. They order this test and that test and say take this medicine and that medicine. We simply say no. Eventually my wife gets so sick she collapses they cart her off to the hospital and put her in intensive care. They tell her to go to this specialist and that specialist after she gets out. Only no specialist will see her because she has no insurance. So it is back to the hospital a month or so later for the same thing rinse repeat.

One of the things Obama care was supposed to do is get people with preexisting illness coverage. Here is a little secret a lot of those folks like me will not be able to afford the insurance because the coinsurance and deductibles are too high. The cost of having insurance isn't just the premium paid it is the annual out of pocket limit. So yes the taxpayer will be paying my families medical costs for the foreseeable future because we simply have no other option.

My insurance normally renews in October but since nobody can understand the law the contract has been extended until January

I bet if you ran their numbers for car insurance you'd come up with the same conclusion. Also a really bad idea however.

Malibber proves there is much to be desired in our healthcare system post Obamacare. We are still the only nation in the industrialized world where the consequences of getting sick can equate to bankruptcy.

Are you saying the 12,000+ page program is not enough?

WHAT WE ACTUALLY NEED IS A SINGLE PAYER SYSTEM IN THIS COUNTRY..bUT I BELIEVE ACA IS AN IMPROVEMENT ON THE PRESENT...

Exactly.

I totally agree with you. It is funny I know some hardcore, ultra conservatives who would swear Obama is the anti Christ yet when they moved to Canada they couldn't wait to get their kids into the healthcare system, funny how that works.

We could spend the next millennium trying to come up with the perfect healthcare system or we could do what Obama did, which is at least get the wheels moving. What we had was obviously not working for an awful lot of Americans. At least something got done and as with all major projects it will be tweaked as we go along.

I know many here will say this is the end of life as we know it. In response to that all I can say is when it comes to healthcare I hope they are right.