I lost mine! Anybody else?.. thanks yo mamma!

You should be able to go to the exchange.

Sad. When will this country wake up that the government only screws things up......although we have some badarse military toys.

Fortunately, I still have mine but who knows next year or in a few years....

There are things about Obamacare that I do like and agree with... My 11 yr old niece is battling a rare brain tumor and we don't know what the future holds for her and God willing and hoping she gets to be an adult that she will be able to get health insurance (even though it will be unaffordable and useless) but at least it is there for her....

With that said though, I do not expect or believe my neighbors or anyone on this site should have to sacrifice for her either... It would be one thing for me to sacrifice everything (which I would)for her because she is family and the future of my family but no one else should have to...

Could someone please answer this question for me.... How many poor people do you know that has $6,000 lying around to pay for deductibles? Heck if poor people can't even pay for their light bills, heating bills, food bills how in the heck are they going to pay for their doctor bills?

The answer is.... They won't pay... So how is this law going to work then?... Bad enough that this law was written by the insurance companies for their benefit not ours... They are in for the money and not doing one darn thing from the kindness of their hearts... I know the way the law was written its intention was to fail in Congress so the Democrats could blame the Republicans and get a super majority so they could pass a single payer system but it passed and now the Democrats own it and I hope they answer big time...

2010 might have been a "shellacking"....
Hoping 2014 is a historic beatdown....

Yes! And most likely MY doctor! Don't even get me started. That's what my wife and I are trying to figure out right now!

Maybe people liked the insurance they had and never wanted to enroll in some Government BS insurance plan....

Yup...

Not an issue anymore of whether its good, bad, right or wrong, it just is what it is from now and the exchange is the intended vehicle. Actually, the State isn't allowing the insurance companies to continue the plans that people had since the feds agreed to provide that option for insurers. The State could have decided to allow it but even then I doubt that the insurers would reinstate those plans.

I know this much .. I liked what I had and what I didn't have I didn't need.... now my premium will double. Good thing I'll maternity coverage since neither my wife or myself can have kids!

Another redistribution of wealth is what it comes down to.. socialism..
Worst program that has come along in my life time..why not do something with tort reform first?

Just checked on insurance for me and the wife. we need it for 90 days until new employer policy will accept us........ $1788.00 per month for the two of us! OBAMACARE, no questions about our health needs age, background....... they did ask what our annual salary is.

Cheaper for me to just skip insurance for 3 months and take the risk.

We are figuring out the same thing Joe. We have to cover our son also! Even CRAPPY, $5000.00 deductable coverage is going to cost us more than the mortgage on the farm! Looking like even a little more than what you were quoted, for the 3 of us. For people like us on a tight budget, ANd now throw in an extra $700 to $800 per month, its not going to be good at all! Retirement and living modestly vs. health care is what it is going to boil down to.

But just think about all the less fornuate you are helping with your generous donation to the cause!...

This flat out sucks!

Joe, don't take the risk!!!! Yaz, retirement for most Americans two generations, maybe one, will be a thing of the past. Part of the intent is to reduce bad debt from uninsured and then hopefully hold the inflationary trend in the future years to single digits instead of the double digits that most have experienced over the last few years. Health insurance was only about 5 to 7 years away from being totally removed by most employers because of how much it was going to cost. The other thing folks have to keep in mind is that insurers have no incentive for premiums to ever go down. They must have high single digit, at a minimum, premiums increases every year to feed the revenue growth the Wall Street demands. That is a major influence that has nothing to do with Obamacare or the ACA. The insurers have been able to refuse coverage for those who were really sick and thus pushed those people to federal and state plans, which taxpayers have had to fund. Now, the argument could be made that federal and state taxes needed to fund those programs will no longer be needed as much as in the past so taxes should be able to go down. But, of course, they won't because even government doesn't want to give up revenue. It's a vicious circle.

Go for it Joe... if you go broke we will pick up the tab.. heck we will even get ya free phone!! Oh and food stamps!. Just remember to not get a job or you will screw up everything!

Nanny state... good lord!

I lost mine too. I'm so upset with the way things are going that I about snapped!! Had to slap myself back into reality!! I just can not believe what is going on. I don't know what I'm going to do for insurance?

I'm a health insurance broker......I'm not even selling it yet! Just me and my medicare customers until I can sort it all out!

DP, my wife is the Administrator for her company. They are in the medical field. All of the reps she is talking to are also having a hard time getting a grip on it all.

And how many doctors are we short? That is just now coming into play. The newest game in town really has no rules, they will be made up as the clock keeps ticking.

FYI.....HMOs are being offered! Do your homework to understand how they work! To this point of my life......I have never sold one!

In most of the bigger cities we aren't short doctors for most specialties. In rural indiana there is a shortage. So a lot depends on where you live. In the big here cities many if the physicians are employed by the hospitals. In the exchange, Anthem went with a reduced network and so did MDWise. So, instead if the typical PPO plan here in indiana that has all the providers in the plan, the exchange networks are smaller and don't have the wide range of doctors or hospitals. Much of that decision came down to provider price. Now, in 5 to 10 years as many of the older physicians start to retire we will have a growing shortage.

I work in medical sales. My customers (major hospitals) have no idea what the Obamacare changes for medicare/medicaid reimbursement mean for them (no one really does) until they go into effect.

No one is buying much equipment or wanting to make any long term decisions until they see how much they will get reimbursed per test, per patient, etc..

Some small hospital labs will go under, some large labs will pick up their work and become more efficient. Diseases are not going away and the treatment and monitoring work still needs to be done.

The market is changing rapidly like most have never seen. Ultimately, I think it will be good for the patient (which is all of us) but the changes are going to hurt in the short term.

Retirement?? What is that? Not working for 1/3 of your life? =)

My plan is to stay healthy and work as long as I can doing work I enjoy and hopefully making some money.

Nice post Chevy. The short term pain is certainly an outcome to a large degree of lack of personal funding and personal accountability from years past. Also, when Medicare was originally put in place the average life expectancy was only around 67 to 68 years old. That alone has created huge financial issues in funding health care for "retired" folks. Any you are so right about hospitals having no idea as to what is going to happen in the next year or two.

Like Delaney said, cost was going up so much that this was gonna have to happen anyway. It sucks, but mine has been going up radically for 10 years. I make a good living and it's getting tough to afford... What did everyone expect the people to do who HAD it but their company cut it or moved their job to mexico or china? Point is, there are millions of people out there who don't have it that aren't LAZY. I certainly didn't want this because I hate for the government to run ANYTHING. Look no further than homeland security... What a Farce.

Good points, but I would disagree with your statement that Hospitals don't know what is coming. Why did St V's and IU Health cut a combined 1500 + employees this summer?

They did it because they are preparing/planning on getting reimbursed at a Medicare type rate for all of their patients.

Profit margins at the big Indianapolis hospitals are down from last year so far this year. Inpatient services have also been down overall which creates real issues in regard to trying to cover fixed overhead. They all over built for a number of years and now have some real issues looking forward.

When signing up make sure you check to see what hospitals are accepted under that policy. As of a week or so ago, Community Health was the only hospital in Indianapolis that was permitted under the policies being sold up there. Hopefully that changes. Remember if you like your doctor you can keep it, nope that's not true either.

The hospital I work at is not accepting patients from an adjoining county because the insurance company selling those policies have not reached any deal with our hospital. So those people who prefer to come to our hospital will not have this as an option.