ACA: Understanding “Deductible” means you pay most of the bill…

In general, when you see the word
deducted attached to something
you’re going to have to pay for,
it’s good thing, right?

But it’s not so good when we’re
talking health insurance.
That’s because of the peculiar
figure/ground reversal, down the
rabbit-hole world, that is the reality
of health insurance today.

A deductible in the context of your
health plan benefits isn’t something
you won’t have to pay. In fact, it’s
something that you must pay before
the insurance company pays a dime on your behalf.

Even though it’s often described as “your” deductible, the reality is that it’s actually what the insurance company has deducted it from its own bill, not from yours.

http://www.dailykos.com/story/2013/10/08/1244896/-ACA-Understanding-the-details-Deducing-the-deductible-something-you-DO-need-to-think-about#
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The average deductible for an individual enrolled in a bronze plan in 2015 was $5,181, or $100 more than 2014 limits. For families in bronze plans, the deductible was $10,545, or $159 more than in 2014.

Individuals in silver plans in 2015 had average deductibles of $2,927, or $20 more than 2014. While “HealthPocket” didn’t see big hikes in the average deductible limits, Coleman noted, “Those are very high amounts” for people to have to pay.”

http://www.cnbc.com/id/102204181#.
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The only real solution is universal, single-payer, non-profit health care.

Single-Payer National Health Care

Single-payer national health care
is a system in which a single public or
quasi-public agency organizes health
financing, but delivery of care remains
largely private.

Currently, the U.S. health care system
is outrageously expensive, yet inadequate.
Despite spending more than twice as much as the rest of the industrialized nations
($8,160 per capita), the United States performs poorly in comparison on major health indicators such as life expectancy, infant mortality and immunization rates. Moreover, the other advanced nations provide comprehensive coverage to their entire populations, while the U.S. leaves 31 million completely uninsured and millions more inadequately covered.”

The only solution is to take the insurance cartels off the table, we can guarantee our own money instead of having these predators gambling against our health.

http://www.pnhp.org/facts/single-payer-resources
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Health Care is a Human Right:
We need a single payer system

A universal single payer healthcare system guarantees quality health care for everyone.
While providers of healthcare remain private, the system of paying for it becomes public, almost like Social Security.

The problem

There are thousands of people
who are currently uninsured or
under-insured. Healthcare is the
number one cause of bankruptcy
in America, and part of the reason for the high cost of healthcare is lack of access to affordable preventative care. At the same time, private health insurance companies
make billions of dollars in profit each year.

The solution

Take the transnational insurance cartels off the table and provide universal care.

Why Pass it?

1. Health care is a human right. The United States is the only industrialized nation that doesn’t recognize this and ensure universal care.

2. The U.S. has one of the most expensive health care systems in the world.

If everyone has preventative and primary care,the need for expensive critical and emergency care would be greatly reduced.

Public health care systems have proven track records of
eliminating the costs of profit margins and greatly reducing administrative overhead.

3. Universal health care would eliminate the single largest cause of personal bankruptcy and would eliminate the single largest barrier dissuading would-be entrepreneurs from starting new businesses.

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https://www.mainepeoplesalliance.org/content/health-care-human-right-need-single-payer-system