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How is ObamaCare helping me?



To start, I want to say that I am NOT a political person. I don’t follow them closely, I tend to not care as much as I know I should, and I also don’t like getting involved in arguments with people about politics. But this has been weighing on my mind for months now, and I am deciding to post it. For all of those who can hopefully answer my questions, this is for you.

To start, let’s talk about Obama Care. I don’t know everything about it. However, I have done my research. As goes for everything that I can see, Obama Care is only making it harder for Trevor and I to afford it. Here’s the situation. Trevor is self-employed. When I got a quote for the most basic health insurance coverage, it came back at about $350/month! And that is BEFORE ObamaCare.  I truly feel like this plan is making middle-class people become a lot more poor. And it saddens me. Second, I read a quote that talked a lot about how Christians are supposed to give to the poor. And if we don’t do that our taxes and other forms of income, we aren’t considered Christians. I am all for giving and helping through people out. However, when we are forced, that is not okay with me. And when people do nothing, sit on their butt all day and don’t work on getting a job, I have a problem helping people who don’t try. Are there legit circumstances where people deserve to be placed on welfare? Absolutely. Third, I saw on Facebook some “facts” about welfare.  One of them was “The majority of families who leave the welfare system do so after a relatively short period of time – about half leave within a year; 70 percent within two years and almost 90 percent within five years.” Now, I don’t know if that is true or not. However, as far as I’m concerned, I can think of 8 people off the top of my head that have been on welfare (and completely abusing the system) for over three years. Fourth, I read the Presidents speech four years ago. A part of it said, “I will not sign a plan that adds one dime to our deficits – either now or in the future.” (cited from Whitehouse.gov) Okay, that is GREAT Obama. If you actually stood by that. From obamacarefacts.com, they say that Obamacare will cost between 3% and 9.5% of our income. Helloooo! That’s a heck of a lot more than I’m paying. Liar much?

Here’s where you come in.  I would absolutely LOVE to understand how Obama Care is helping my family. Every single thing I read about Obama Care has no way of protecting my husband, my future kids, and myself. I feel like it’s the opposite of a blessing. And I’m just wondering, to all those who are for it….HOW IS THIS HELPING ME?  I don’t want to cause arguments at all. I would love if people could speak simple English since I’m not the smartest political person on the planet. Cited sources are always the best, and when the sources are legitimate and not biased, that’s when I’ll believe them. I appreciate everybody’s answers. And I love you all. Long time.

17 comments

  1. I wish I could help you out.. but I haven't seen any positive from ObamaCare either. I get health insurance through my job, so I haven't looked into too much detail. My parents own a small business though, and she has told me a lot about her end of the spectrum. It doesn't sound good at all. I am all for providing health care to the poor. That's a great idea. BUT I think they did a terrible job of going about it.

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  2. I agree I don't know a lot about it. But all I know is i'm going to be taxed next year if I don't have it. And it makes me mad. I do NOT like the looks of how its going to turn out. My father is very political and is very strongly against this. I would recommend listening to Glenn Beck or Rush Limbaugh.

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  3. I agree I don't know a whole lot about it. All I know is that i'm going to be taxed next year because I don't have it. and that makes me annoyed. My father is very political and if he would say anything to you about the subject, he'd say listen to Glenn Beck or Rush Limbaugh.
    Hope it helps :)

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  4. thank you for putting this out there, I have the exact same issues with it, I have insurance through my job, HOWEVER if we ever needed to use Obamacare we would be screwed because we couldnt afford it and the fine would hurt too, im sorry but that is Socialism, total socialism and it is WRONG. I'm the same I dont "Hate the poor" I don't have lack of compassion, I just know darn well people ( not all abuse the system) and sit of welfare for-ev-er, free free free, this country just gives away everything, there is no incentive to work, and it's sad.How much longer do we have with this goober???

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  5. You should listen to Bill O'Reilly's talking points show, he gives really good facts on Obamacare and totally puts it to the president for not standing by his word. Obama has had his health care program in the back of his mind since before he became president, so he isn't going to back down from the idea. Even though it is helping virtually no one, costing the middle class a ridiculous amount of money, and causing more businesses to cut full time job opportunities because they can't afford to provide healthcare…even after all these facts, he is ignoring them out of his own pride. It's pathetic :/

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  6. during my internship i actually did a lot of work around obamacare, however, it was mainly based around children and the state of california so i'm not sure exactly what is happening in utah to say enough. however, i know of some positive things it has done. its great that you can no longer get denied for health insurance because of pre-existing conditions, you can stay on your parents health insurance until you are 26 regardless of education or marital status, and it has made it so a lot more people have been able to get health insurance. ya our health insurance costs a little bit more than it did before, but we are also paying half of our income to our rent, so i think there are bigger fish to fry. i have a lot more i could say, but i don't feel like having a bunch of people yelling at me haha.

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    1. Thanks for your comment, Kirsten! I miss you by the way. The preexisting conditions have always made sense to me, however, what about the healthy (and hardworking) ones? We are having to pay MORE because of that. And if you're paying half of your income to rent, that's rent. Insurance is a whole other story. According to the website listed to Fran below, I would be paying about 20% of my monthly income to health insurance. That isn't affordable. Alllso, I'd love to hear what you had to say! I'm totally not yelling at you, just wanted to have a discussion because I see no good coming from it (from me, someone who has a job and is healthy). Love youuuu.

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    2. Yeah I can stay on my parent's health insurance plan until I'm 26 but Obama made it so I am being charged the full adult rate, as if I had my own separate plan. So in theory, it sounds good but it actually made it insanely expensive and I have to look into other options because my dad's company won't pay that rate.

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    3. Yeah I can stay on my parent's health insurance plan until I'm 26 but Obama made it so I am being charged the full adult rate, as if I had my own separate plan. So in theory, it sounds good but it actually made it insanely expensive and I have to look into other options because my dad's company won't pay that rate.

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  7. Have you checked out an calculator that more or less gives you how much you would pay? NPR has a good one here - http://www.npr.org/blogs/health/2013/09/30/226456791/how-much-will-obamacare-cost-me-try-our-calculator

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    1. Hey Fran! I actually DID check that out, and still, I would be paying almost double annually.

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  8. Joe is very political and keeps himself really informed on all fronts. The only good thing I have seen in Obamacare so far is that Joe and I are still able to be on our parent's insurance until a year from now. And honestly, that wouldn't be too big of a deal because I have really good benefits with my job. I listen to what Joe says about it and I have no clue what it all means, but I know that it's not an awesome thing, it's going to do more harm than good from what I understand.

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  9. I am not even offered health insurance through my work. But my husband is, but if we got it through his work we would be paying roughly $400 a month and that's not even including the baby! Between rent, daycare, and health insurance, we would have little left over for our other bills let alone food; and I work 2 jobs! Forcing us to get it just isn't a good idea. Obama says that he is all about the middle class, but it seems he just wants to make us all lower class.
    But the thing that bugs me about the whole thing, is that he doesn't include himself in any of it. For some reason, he is exempt from Obamacare. I am really not a fan of this guy.

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  10. I work in healthcare - I'm a site supervisor of an urgent care office and for my husband and i, we have an insurance plan through my employer. it's a high deductible with crazy out of pocket minimums before it begins to pay anything and since he and i never go to the doctor to even have a chance of meeting our deductible, we are basically self-pay without insurance as far as pricing goes.

    when it comes to what affect obamacare has had on people thus far, i honestly don't know if anyone could say how it would hurt or help you or anything at this point - it seems to have been such a struggle to get the site up and running, and the wording within obamacare is such jargon and so vague - blah... all of this rambling to say i hope you and your husband can figure out the best option! i would suggest looking into this article by a fellow blogger - it chronicles what insurance choice she and her husband chose for their family: http://snyderstellall.blogspot.com/2013/07/medical-insurance-savings.html

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  11. My husband and I are very informed about all aspects of this "Affordable" Care Act. While certain aspects are good (like staying on our parent's insurance until we're 26, which is great for me because I am 20 and a newlywed, plus the pre-existing condition clause), the entire bill was crafted away from the public in private closed door meetings and the White House administration knew that 80% of Americans wouldn't be able to keep their insurance plans under the act because their plan wouldn't qualify under their specifications.

    They also pressured Insurance agencies to keep quiet about the rising rates and have continually lied about the website traffic and amount of people able to sign up for coverage. On the first day the website launched, only SIX people signed up in the ENTIRE United States. On the second day, they only had 200 more people. The numbers given to the media were grossly exaggerated.
    The only way this bill could possibly be successful is if they have more younger, healthy individuals sign up for a plan to balance out all of the people with pre-existing conditions.

    What makes me upset (besides the rising cost and the amount of fees for those who choose not to get insurance and/or can't afford it) is that the act was passed without hardly anyone reading it and they (House and Senate) exempted themselves from it. If this isn't defunded and repealed, it will tank our economy. People won't have money to spend, which will cause our already slow economy to get worse with no money circulating. What truly terrifies me is that other countries are trying to disregard the US Treasury and start a global currency, which will push us into another Great Depression. The US Treasury is the only thing keeping our country afloat with our enormous debt.

    Sorry for a long comment, but this is definitely a scary time and is very upsetting.

    http://www.dailymail.co.uk/news/article-2478673/The-White-House-knew-Most-Americans-individual-health-insurance-plans-cancellation-notices-Obamacare.html

    http://nypost.com/2013/10/29/white-house-finally-admits-obamacare-truth/

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  12. Basically I don't know anything about it. And I went through and read all the comments to become more informed. Thanks for asking so I could learn a little more :)

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  13. $350 for both of you? that doesn't actually sound too terribly bad. i know people that pay more than my mortgage, and that is WRONG. i'm glad about the pre-existing condition, cause that will help a lot of people. we have been lucky so far, with jake's company offering health insurance. we still have to pay a good amount, but we pay for one of the best ones available because i feel like it's better to be safe than sorry. but with all the changes coming, i haven't dared open any of the stuff they've sent. too afraid of what it will say. i'm going to give myself another week to prepare, but then i have to open it all up. SCARED!!!

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