I Hate Obamacare

Here I go again. The problems never seem to end with this program.

People are penalized for not having insurance yet the average person could never, ever figure out the program.

i have my masters in insurance, maybe the other kind, but i am constantly battling this monster.

My brother was given a credit and now they take it away. They gave him a BIGGER credit this year and now we are receiving threatening letters demanding more information but they don't tell us what is needed. It is entrapment.

I sent in so many payroll docs, it cost me almost 4.00 to send yet they shredded it. Since they are questioning his income, i have to resend not only this years but last.

the letters state to call the Marketplace yet those yahoos can't answer any questions at all AFTER being on the phone with them for 45 minutes at a shot.

I honestly have had enough.

This page is a permanent link to the reply below and its nested replies. See all post replies »

SmartKat

I'm not crazy about it myself.
.
I live in a state that refused to expand Medicaid.
.
A couple of years ago, I was unemployed. I couldn't afford to buy insurance on my unemployment benefit. So, I had no insurance. At least I wasn't fined for NOT having it, because I could prove I was unemployed.
.
Fast forward a few months. I found contract work (temporary.) I could either pay a little for substandard "insurance" through the contacting company, or I could go to the "Marketplace" and select expensive insurance that still wouldn't cover anything I actually need.
.
Luckily, after another few months, I found a permanent job - for those jobs, companies usually offer group insurance that's reasonably adequate and not too expensive.
.
So - IMHO, things are about the same as they were before. If you don't have a permanent full-time job, you'd better hope you don't get sick.
.
And employers are always coming up with new excuses to avoid providing group health insurance as an employee benefit. A lot of places hire mostly contractors (like I was for a few months) because they're considered "temporary" or "not a full-time permanent employee" - and thus, they can get away with not offering the insurance benefit.
.
Not that the employers really have it easy. The insurance companies keep raising the prices on policies, and they save themselves a lot of money by refusing to cover different things. (In this regard, the ACA helped somewhat. There are certain preventive care things that insurers are now required to cover.)
.
Anyway, because insurance companies keep raising prices, the HR department of the company you work at has to devote hours to looking around for the best deal on group policies Every. Single. Year.
.
So, I guess because my annual dental and health checkups now MUST be covered, I'm a little better off than I was before.
.
As long as I can hang onto a permanent full-time job.

akindheart · 61-69, F

We even had clients divide their company so they did not meet the required employee amount of 50
We are grateful for the coverage. it saved my brother's life but the hoops we had to jump through was unnecessary. Substandard doctors, evasive paperwork, incompetent marketplace reps all amount to frustration I don't see in my plan.
Last night i went to the post office to mail 2 years of docs..Priority mail or first class was going to get there Saturday...which one did i choose? first class.
so if this round does not go though, they shred it again and i have to resend it..awful.

Hikingguy

you bring up some great points and I am glad you have a full time job in this wonderful economy!

akindheart · 61-69, F

I wish i didn't have this job but there is no way my brother would understand the jargon much less the process!