$815.42 To $1,866.18 Per Month Is Our Quote For Affordable Healthcare

I would love to have the opportunity to confront President Barack Obama and Rep. Nancy Pelosi face to face.  They continue to tell the American people that the Affordable Care Act is working and driving costs for healthcare down and making it more affordable for all of the American people.

My wife just got a quote from an independent insurance agent who just sent us his quote.  Here is what we received:

“I have enclosed the 20 Kentucky Health Exchange plan options without using any subsidy amounts.  The rates range from $815.42 to $1,866.18 per month depending on the carrier and benefit levels.”

“Categories are defined by the average share of total health spending on essential benefits paid for by the plan. The ACA identifies specific actuarial value categories as “metal levels” specified as bronze, silver, gold and platinum. Bronze plans have the least generous cost coverage, and platinum plans have the most generous cost coverage”

“Coverage levels are as follows:

  • Bronze = 60 percent of the actuarial value with respect to essential benefits
  • Silver = 70 percent of the actuarial value with respect to essential benefits
  • Gold = 80 percent of the actuarial value with respect to essential benefits
  • Platinum = 90 percent of the actuarial value with respect to essential benefits”

“The ACA provides 10 statutory essential health benefit categories in every plan on the exchange including:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorder services, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness and chronic disease management
  • Pediatric service, including oral and vision care”

“Let me know if you have questions and I can help narrow the search down if these fall in line with your health coverage needs.”

Yeah I have questions, but not for him.  I would like to direct my questions personally to Obama and Pelosi.  My first question is how in the world do they call this affordable and driving costs down?  My second question is who is going to give me a subsidy to pay for my coverage like that given to Congress?  My third question is how in the ^%#% do they expect us to pay this outrageous cost?

My house payment is just under $1,000 per month.  If we were to get health coverage, it would end up costing us more than our house and most of our utilities combined.  The way I figure it, it will be MUCH cheaper for my wife and I to save up and pay the penalty for not having health insurance than to comply with the mandate to purchase it.  This first year, healthcare would cost us between $9,785.04 to $22,394.16 a year.  The maximum penalty for 2014 taxes is $285 per family.  According to Obamacarefacts.com:

  • 2014 = $95 per person per year or 1% of your Income
  • 2015 = $325 per person per year or 2% of your Income
  • 2016 = $695 per person per year or 2.5% of your Income
  • 2017 = Tax Penalty will increase by the rate of inflation going forward, or 2.5% of your Income

The maximum penalty in 2016 may still be equal to about 1-2 months’ worth of premiums.  That also means my wife and I will join the millions of Americans that will most likely die early due to lack of adequate healthcare because we can’t afford that Affordable Care Act.  At this point, I don’t care if the government shutdown continues and the government defaults on its loans if it means that the Republican hold out on Obamacare succeeds!