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Comment: Re:Free points! (Score 1) 667

by jeff4747 (#46554935) Attached to: Creationists Demand Equal Airtime With 'Cosmos'

So you claim "paying attention" is a means to avoid being born with a genetic disease.

Also, the law made a liar out of Obama. Either he didn't know and lied because he wasn't told about the details and content of the law or he knew and he's exactly as evil and deceitful as people believe.

Well, we've already established you're a moron for thinking "being careful" means you won't be born with a genetic disease. Or develop cancer.

The reason you're a moron here is the reason those people couldn't "keep their plan" is they already dropped their old plan. Insurance companies routinely re-write the plan every single year, which creates a new insurance plan. These upset people were already on a new plan after the deadline for keeping your old plan passed.

The only thing Obama should have done is included "And your insurance company wants to offer it" to the quote.

And what do I get for my trouble of paying for affordable healthcare I never used for all these years? QUADRUPLE THE RATE. Thanks a lot Obamacare.

Given your poor reasoning skill so far, I'm going to guess that your nice, cheap plan actually sucked. Probably covered almost nothing with a very low lifetime cap. The kind of plan that people think is a great deal until they get unlucky and have to really use it.

Comment: Re:Why is it people utterly ignore history? (Score 1) 578

by jeff4747 (#46474323) Attached to: White House: Get ACA Insurance Coverage, Launch Start-Ups

And instead you cherry pick one small aspect of one industry that you feel supports your opinion.

It's called "an example".

Interest rates are one thing that many people easily recognize. And many states cap interest rates much lower than South Dakota or Delaware.

There's also other aspects of those state laws that favor banks over consumers. For example, you're not allowed to sue. Instead, you get binding arbitration. Nevermind that the arbitration system is set up by the banks, so the job of the person "hearing your case" is dependent on the banks.

Comment: Re:I went back to corporate America because Obamac (Score 1) 578

by jeff4747 (#46474259) Attached to: White House: Get ACA Insurance Coverage, Launch Start-Ups

It's the case for every plan you looked at. It's in the law.

the insurance on most of these plans seem to only pay about 70% tops of the bills.

Until you hit the out-of-pocket cap. That cap varies by plan, with the "higher" metals having a lower cap.

Unfortunately, the complexity of the plans means there is no universal "this is your cheapest option" plan.

For very healthy people, a bronze plan will probably be cheapest.

For people who see a doctor regularly, a silver plan will probably be the cheapest - lower co-pays, deductible and out-of-pocket cap. So they will pay less overall even though they pay more for the insurance.

Comment: Re:I went back to corporate America because Obamac (Score 1) 578

by jeff4747 (#46472785) Attached to: White House: Get ACA Insurance Coverage, Launch Start-Ups

Keep in mind deductibles are not the same as they used to be.

The deductible you're talking about in your old plan would pay nothing until you reached the deductible.

The deductible in an ACA plan does not apply to a large number of routine procedures. Those are covered with a co-pay instead. For example, instead of paying full price for a check-up because you haven't hit the deductible, you pay around $10-40 depending on plan.

Comment: Why is it people utterly ignore history? (Score 5, Insightful) 578

by jeff4747 (#46472717) Attached to: White House: Get ACA Insurance Coverage, Launch Start-Ups

allowing more interstate (and international) competition in health finance options would help on that front, too

Yeah, how'd that work out for banking? Interstate competition was supposed to do things like drive down credit card interest rates.

Instead, almost every credit card in the US is issued out of Delaware or South Dakota. And interest rates are quite high. Why? Interstate competition also means competition between state legislatures for laws that are most favorable to banks.

So what would happen with interstate health insurance? Legislatures would compete for the most insurance company-friendly laws. Which would be the least consumer-friendly laws.

An adequate bootstrap is a contradiction in terms.

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