Re:Myocarditis after Covid vaccination: Research on possible...
by HarryHirsch on Monday November 14, 2022 @07:37PM
(#33603567)
The problem is that incidence for individuals is 100 %, and someone who gets to pay the full yearly deductible is likely so sick that he can't work. Lovely. Not only do you get to pay the hospital, now you are missing a chunk of income, too, when you can least afford it!
An Obamacare Bronze plan is like the bank extending credit - they carry the umbrella after you when the sun is shining, but at the first drop of rain they disappear.
Re:Myocarditis after Covid vaccination: Research on possible...
by toast0 on Monday November 14, 2022 @09:16PM
(#33604431)
My point is the Platinum or whatever plan isn't any better. It's probably worse for most people. Total out of pocket is going to be higher because out ot pocket max + premiums is worse than the Bronze.
Of course, paying the hospital is usually sort of optional. They're most often happy to bill you later and send you to collections, and you can let it accrue. It's not great, but if you're so sick you can't work, what are you going to do about a debt you can't afford to pay? Better to not pay it.
The low premium option is the least cost option if you don't use much healthcare, or if you use a lot; but there's a range somewhere in there where the higher premium plan may lower your total costs. Of course, if you're getting a premium subsidy, the calculation changes.
But yeah, Obama promised access to healthcare and delivered access to healthcare insurance. It's not unuseful, but it's not really enough.
If it were up to me, I'd lower the medicare eligibility age every year, and gradually grow the system, a couple decades later we'd have Medicare for All (ish, not all seniors are eligible).