Obamacare... 'Affordable'???

ehBeth ... You still have neglected to share with us how much you're going to pay for your health insurance. How much were you paying before Obamacare and how much will you be paying after? Perhaps you can't see these questions, or perhaps you just don't want to share with us because you're paying nothing (or a fraction of what I'll be paying)... which is what I suspect.

It's easy to sit there and tell someone... Sure, why wouldn't you pay $20,000 it's worth it. I know I'm paying nothing... but if I had $90,000 I'd have no problem paying that. Try paying $22,200 in taxes. I'll bet you didn't have to do that. How much did you pay in taxes?

You people are incredible... acting like I should be happy that out of the $90,000 Obama wants me to pay $22,000 in taxes and $20,000 in health insurance. That's almost half of my money. I'm greedy? Did they take almost half of your money? I'm going to go out on a limb and guess a resounding NO.

Oh... and you know the $15,000 of student loans we paid last year (we have over $370,000 in student loans just so you know)... we were only able to claim $2,500 as a tax deduction out of the whole $15,000. Why? Because it's not a tax deduction... even though we had to go to college to run the business we run. Only a tax deduction of $2,500 towards your personal taxes is allowed if you paid that much in interest (interest was over $8,000). If that wasn't bad enough, we are only eligible for ONE $2,500 deduction from taxes as a couple even though they want both of us to pay our loans back. Maybe we should just get divorced and have a bunch more kids and get $3,500 tax credits. Yeah... that would be swell.

So many things are wrong with today's society... and our weak president.

You have student loan debts because of your current president?

Interesting.

Here's the deal, glitch. You may be a shill or you may be for real. If you're for real then my suggestion is to get you and your family into an insurance plan. Do you have car, homeowners, life, disability, long term care coverage? It's all money we hope ends up in the toilet.

You have to set your priorities. Insure against the risks or be prepared to pay the costs.

Wow... you have nerve. You can't answer any questions.. because you are benefiting from this Obamacare. Enjoy your subsidies that are meant by our socialist president to try and boost you up so you can have the same life I earned. That's what this is all about... redistributing the wealth.

I mean really... why the heck did I go to school for so long. Why go to college for years and years and owe hundreds of thousands of dollars all so I can make close to what someone who didn't put forth the effort that I did.

Is that the new American dream?

Interesting you haven't answered any questions.

You're going to have to show where ehbeth indicated that she's benefiting from Obamacare. I believe that was me. Focus, man.

JPB... I am not a 'shill'. All someone has to do is look up how much it costs for someone with a family of four making 90,000ish. Are you saying I'm complaining only because I want to make Obama look bad? Are you saying it's hard to fathom someone could be upset because out of the $89,346 they made last year, that I'm suppose to pay over $42,000 (taxes and health insurance... if I pay the family deductible... which by the way has a cap of $12,500 because it's 75/25 OH BOY until $12,500 is met).

I really don't get how you think I should be happy out of $89,346 roughly 47% of it should go to taxes and health care? Where are we... France? We're moving towards it that's for sure.

Maybe you're a shill. You're an Obama lover. (I don't believe that about you.) I'm just saying. I believe that about that ehbeth person though.

The last thing I'm going to say about this is... yeah, we could cut back on a lot of things. We could have a car that's not that nice. We could get rid of our cable and internet. We could get rid of our cell phones. But then you have to ask yourself... why did I go to college all those years? Why did I risk everything and go so far into debt... all so I could have less than people around me? People that are making far less than me have those things. Why do they have those things? Because they are getting all types of breaks from the government... which is why the minorities put Obama in the house for a 2nd term. Many of them don't have to pay for anything and they are walking around with an iPhone. I see it all the time. Then somehow, they are getting free healthcare... Medicaid. How free food... EBT... how about Section 8... how about free child care... how about a $3,500 earned income tax credit per child? How about disability fraud because they are just too lazy. It happens... I see it. Some are my patients. It's hard to bite my tongue sometimes.

I'm not saying people that make more than the average shouldn't pay more. I'm just saying they shouldn't pay that much more, especially when you consider the amount of taxes we also have to pay compared to others that pay nothing.

Make it a little hard on them. Have a family of four pay $350 a month with a deductible of $5,000. Then lower mine to $650 a month with a $5,ooo to $7,000 deductible.

They have to even this up at least a little.

She's purposely ignoring the questions I'm asking her. She refuses to say how much she's paying for insurance. She's acting like I should be thrilled to pay $20,000 for healthcare and what's my problem.

I simply want to know how much she's paying... what she was paying and how much she's going to save with her new healthcare.

The facts are... if you make more money... you're insurance is going to go up. So you probably aren't going to find too many people THRILLED with their insurance going up about double. When was the last time you've seen someone at WalMart looking at a 50 inch TV and saying YEAH BABY... IT JUST WENT UP TO FROM $800 TO $2,000!!!

You don't.. and that's why I question her.

You're not doing your "real" self any favors here. What's your honest gripe?

$95 in penalties if you choose not to sign up this year.

Just sayin'

Have you not been reading?

What's my honest gripe?

Apparently to you I should just buckle up and get rid of all the things that I don't need. Get rid of the car we're paying for... get a clunker instead. Get rid of our cell phones. Get rid of our cable and internet. All so we can afford to pay $20,000 a year in health care that's being forced on us.

I would have appreciated it as a small business owner (just like millions of them out there) if there was some sort of effort to reduct the price we pay since we can't get our insurance from our workplace. The cost is so much more.

What's my honest gripe? That people making far less than me don't have to pay for things I do... they've been given entitlement after entitlement... yet they walk around with Smart Phones. How is it they are able to afford those things? And why is it I need to give those things up to pay for insurance I have to pay for out the nose?

I take offense to you thinking I'm some sort of 'shill'... like I've been paid to be here saying this.

I find it amazing that you can't understand that me paying 47% of my $89,346 from last year on JUST health care and taxes is driving me insane.

What's my honest gripe? Get real.

Nope, I totally get all of that. You don't feel you can afford to insure yourself and your family. So, what do you have against paying the $95 penalty for that position?

"95% in penalties if you choose not to sign up this year."

Well... now I guess we see who the faker is.

You don't have any clue what you're talking about.

If you were making the money you claimed to have (you said you own a business and acted like you're in the same boat I'm in)... but you're not.

How do I know that? Because you wouldn't have said... Just $95 in penalties this year.

HELLO? It's $95 in penalties OR 1% of your gross income (WHICHEVER IS HIGHER).... $890 based on my last year. That's not a ton and we can handle that.

Next year it goes to 2%... that makes it $1,780 based on the same figure.

Finally the following year it goes and stays on 2.5% or $2,225 unless we make more which then we could be looking at $3,000 or more.

I would LOVE to have insurance, but we can't afford $20,000 a year. Forgive me if I'm not stoked about a penalty of a couple thousands of dollars each year either.

if you are not a shill, you are dramatically misinformed.

I'll be nice for just a little longer, but your story rings mighty false...

Explain where it rings false. I'm interested. I'm sick of this shill crap too.

What am I 'misinformed about'.

Am I also crazy that somehow the healthcare (dot) gov isn't the biggest train wreck? Oh, I'm sorry, I didn't spend 7 hours trying to figure out what my insurance costs were going to be on there... I just made it all up. (eyes rolling to the very back of my head).

"that me paying 47% of my $89,346 from last year on JUST health care and taxes is driving me insane."

that is insane and kinda dumb.

how are you able to earn that much money and still be this clueless...?

LOL, you're not doing your "real" vs "shill" self any favors here.

Either way, it still all comes down to priorities.

Insure yourself and your family or pay the penalty. The choice is yours. Take the first year penalty (whatever that number is for your family) and see how the tide rolls. You don't like $20K, but $95 or $895 will sink you?

Seriously, get a grip.

Last year I paid $22,200 in taxes from $89,346.

My federal was $18,600... my state tax was $3,600 = $22,200.

I met today with an insurance guy that's in my business networking group. He showed me a chart for a male 44 years old with no subsidy the premium: $271. For my wife, also 44 years old... $270. Then our children were each $125. That total is $791 per month or $9,492 per year in just premiums.

He then told me our individual deductibles are $5,000 or a family deductible of $10,250 and caps out at $12,500 (between those numbers the percentage is 75 /25... then it's 100... I believe).

So when you add the lower deductible number of $10,250 plus our $9,492 in premiums and then add the taxes of $22,200 that comes to a total of about $42,000 or roughly 47% of my $89,346.

Actually... in one place on your stupid post you are right... it is kinda insane and dumb that I have to pay that much when 6 out of 10 Americans pay nothing or next to nothing. You got that right.

I hear that pain. I've been there. It sucks. Seriously. And, it's what turned me against the insurance industry. You've been pushed into looking at real numbers for the first time. But, seriously, those numbers are small in comparison to what you may face with a medical event.

I didn't say $890 will sink me.

And I'm not in love with next years number of $1,780... or the following year of $2,225.... especially since I'm still going to be without insurance.

Are you paying $20,000 of $89,346? Are you paying $22,200 in taxes? If you're making far more than me... than it's no big deal because you have plenty of money to live how you want and still save.

Tell you what... go throw away a $900 in the garbage right now.

Then next year throw away $1,800.

Then each year after that throw away $2250... then tell me how you feel each time you do it. I get a panicked look on my face if I misplace a $100 bill (which I rarely have).

it's kinda early in our discussion for you to be calling me stupid.

just sayin'...


I am one of those poor people that are possibly going to get a subsidy. maybe. some day.

but I don't have a smart phone, I fix my own thousand dollar beaters, and I have a big pre-existing condition.

and I don't take a dime from the government in any form of assistance. other than my tax bracket...