this post was submitted on 23 Mar 2025
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It's not universal, it's based on income. When I signed up for the ACA I put down my income at $3,000 a month, which makes my monthly bill $30.19 a month. If my average income for the year exceeds $3,000, I owe the difference to the government.
My small income works for me because I live alone and don't have any dependents. But if I had kids I would need to double or triple my income to support them, in which case my monthly ACA payment would also increase. It's possible for people with families to be priced out of the ACA.
It's definitely not universal.
Where are you getting $30 a month? When i looked at it, the cheapest is like $300 with a $10k deductible
Washington State. My deductible is $600. It's income based, so my low rate requires me to make very little. That is fine with me, since I have no desire to work more than 32 hours a week and I've learned how to live cheaply.
The insurance my job offered me is $100 a month with a $4,500 deductible, which is absolutely awful in comparison.
lol do you guys seriously still have deductibles with the affordable care act? God I feel for you guys sometimes.
What I especially love is that providers charge a much higher price if you use insurance. A $100 procedure becomes a $1000 procedure if you try to use insurance to pay for it. Then your insurance says "sorry, you haven't reached your deductible", and the provider bills you the full amount.
That sounds like a fucking nightmare.
You can wake up from a nightmare.
$300 before or after the subsidy?
True, it's universal but garbage. So not really universal.
No, it's neither universal nor garbage. You didn't bother to read my comment. If you had, you would've seen me mention how I pay $30.19 a month for health insurance. That is a fantastic deal. The ACA works well for people like me, it just has a limited scope and sends tax payer dollars to greedy health insurance companies.
That is not a fantastic deal. When insurers are denying 1/3 of claims, and providers are charging insured rates 10 times higher than uninsured rates, that is not a good deal at all.
It is a travesty that government props up this horseshit system. They should be arresting everyone involved with the health insurance industry for perpetrating a massive fraud on the American people.