• ERROR: Earth.exe has crashed
    link
    fedilink
    English
    44 days ago

    I genuenly don’t know how ACA works. Most people get insurance through their employer, is that affected by ACA? Not sure of the exact search terms to find the answer for it.

    • @[email protected]
      link
      fedilink
      English
      324 days ago

      The ACA is a massive bill that affects basically every part of healthcare in the US. That being said, here are some of the major parts that affect people who get their coverage through their employer:

      1. Minimum coverage standards - The ACA sets minimums about what must be covered by employer insurance, including drugs, procedures, family planning and mental health care.
      2. No lifetime caps - Before the ACA insurers could set a lifetime cap on how much they would pay out for any individual. This meant that people who had long term chronic or very expensive medical needs would get kicked off their insurance eventually and have to figure something else out. Or, more likely, either go into massive medical debt or forego care, or both.
      3. Pre-existing coverage - Before the ACA insurers could choose not cover issues that you got before you signed up with that insurer. So, again, if you had a chronic condition and changed jobs, you could lose all coverage for those treatments.

      There is probably a lot more, but those are the big ones for most people.

      • ERROR: Earth.exe has crashed
        link
        fedilink
        English
        124 days ago

        Oh fuck so my depression could be considered a pre existing condition then. Im currently on my parents insurance plan since I’m still a dependent, but when I eventually have to get my own insurance, thats a pre existing condition according to the prospective new insurer?

        Fuck. Im kinda pre-diebetic since my depression fucked with my will to live, soon I might be diabetic and without ACA protection I’m kinda fucked when insurance eventually decide to not insure diabetic people.

        My parents have some investments, but even if I inherit some of it, not sure if that would cover expensive big pharma bills.

        I’mma go cry in a corner. (actually im too numb from the horrors on tuesday, too sad to even cry 😥)

        • @[email protected]
          link
          fedilink
          English
          194 days ago

          I hate to tell you, but it’s worse than that. Pre-ACA mental health wasn’t covered at all except in extremely expensive private coverage for the wealthy, so it wouldn’t matter if it was preexisting or not.

        • @thesohoriots
          link
          English
          74 days ago

          Here’s what happened to me before the ACA: I started grad school at ange 22 in a state where my parents’ coverage didn’t work, and therefore had to buy into the school plan through Blue Cross (may they forever burn in hell). For an entire year, I paid for all medical care out of pocket PLUS paid for an insurance plan, so that after a year Blue Cross would go “ok, I guess you paid enough to get on our plan for next year.” This is to say nothing of the ensuing years spent fighting tooth and fucking nail with Blue Cross over literally every medical decision my providers made. Absolutely nothing went without needing an appeal or a peer-to-peer due to “pre-existing condition.” The ACA made some of this easier, but Blue Cross figured out they could do stuff like drop drug coverage from their formulary to “pass on savings,” which brought back the need to do peer-to-peer on literally everything to get a high-copay “formulary exemption,” etc. It’s going to be a nightmare you can’t possibly imagine.

        • @[email protected]
          link
          fedilink
          English
          64 days ago

          Don’t worry, with the FDA neutered, diabetes meds might just randomly not work anyway! Who needs quality control on medicine!? (Depressed /s, because this is liable to kill both of my parents)

          • ERROR: Earth.exe has crashed
            link
            fedilink
            English
            24 days ago

            Bruh, if Covid happened under this 2025 trump administration, I might actually become vaccine skeptical, at least for the hypothetical covid vaccine in this scenario.

            Would trust a trump-vaccine? Or more like a RFK Jr. -vaccine?

            • @[email protected]
              link
              fedilink
              English
              1
              edit-2
              4 days ago

              Well, with typical no-WFH (telework) US government policies, another pandemic will kill off our government fast.

              • ERROR: Earth.exe has crashed
                link
                fedilink
                English
                24 days ago

                Great, so a trump-appointed high ranking general gets to take over and establish a military rule? (You know he’s gonna be firing generals and the senate will allow him to install a maga general.)

                • @[email protected]
                  link
                  fedilink
                  English
                  24 days ago

                  Bold of you to assume they’re not already MAGA. You don’t get far in the military without being able to kiss ass and hype yourself up.

                  • ERROR: Earth.exe has crashed
                    link
                    fedilink
                    English
                    14 days ago

                    The military currently leans conservative, but not nessesary maga-conservative.

                    If the military was maga-conservative, they would just refuse to recognize the 2020 election and illegally keep trump in office.

                    A future restructuring of the military might actually make it maga-conservative.

        • 0^2
          link
          fedilink
          English
          24 days ago

          Hims.com, no insurance required. I get generic zoloft for $50/month without needing to pay for the $300ish for insurance.

      • @leadore
        link
        English
        94 days ago
        1. Another popular thing was children being able to stay on their parents’ insurance until the age of 26.
    • @[email protected]
      link
      fedilink
      English
      144 days ago

      Your employer offers you insurance by pooling its employees together to get a bulk rate. Your employer then subsidizes your plan (in most cases) and pays a fixed amount for your participation.

      Essentially, the government did the same thing except it pools everyone who purchases through them.

      Fun fact: if everyone purchased through the exchange, it would overall be cheaper for everyone but then tHaT iS sOcIaLiSm!

    • @bitchkat
      link
      English
      94 days ago

      The ACA ensures you are covered for preexisting conditions, birth control, etc.

    • @Sam_Bass
      link
      English
      44 days ago

      back when the aca was new and neat, i was unemployed long enough to need it. back then the govt subsidized premiums enough to make it affordable. earlier this year i was unemployed again for a bit and looked into it again. literally no better than cobra. all it offered now was helping you sign up for a full price policy the cheapest of which was $850/m with no subsidy or even tax break at all. coulda been because i live in texas but i dunno. didnt go through with it