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Politics : Formerly About Advanced Micro Devices
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TideGlider
To: i-node who wrote (876741)7/31/2015 4:43:22 AM
From: THE WATSONYOUTH1 Recommendation  Read Replies (1) of 1577986
 
lets take a look at what bronze plan gets you from Health Republic of NY....a not for profit COOP subsidized to the tune of over $200M for the first three years. Take someone making about $22K ($10.60/hr) a year (I maintain it is not possible to live independently on that in NY and have any semblance of a reasonable life)
You would get about a $260 subsidy in NY at that income level........But even the bronze plan costs $305/month............so your monthly premium is about $45/month. Now look at a few details of that bronze Individual plan.

healthrepublicny.org

$3K deductible
$6350 out of pocket limit
50% copay after deductible on doctor's visit
50% copay after deductible on diagnostic tsts (x ray, blood work, etc)
ER visit 50% copay after deductible
ambulance to ER......50% copay after deductible
hospital stay.......50% copay after deductible

It is absolutely clear that if you are actually living on that income with this plan......you will be BROKE if you get
sick beyond the flu and seek health care. A lot of people in that income range don't realize this and it only becomes clear when they do get sick.

contrast that with the platinum plan at about $520/month. With the same $260 subsidy, this fellow would pay about $260/ month

$0K deductible
$2000 out of pocket limit
$15 copay on doctor's visit
515 copay on diagnostic tsts (x ray, blood work, etc)
ER visit $100 copay
ambulance to ER......$100 copay
hospital stay.......$500 copay each admission

....by the way, those bronze plans are going up perhaps 18% next year.
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