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Lyft and Uber Drivers Will Suffer When ObamaCare is Repealed.

Discussion in 'News' started by AllenChicago, Dec 28, 2016.

  1. grams777

    grams777 Moderator Moderator

    Location:
    Nashville
    I receive an almost $20k per year obamacare subsidy (wife and I). Insurance rates in TN are insanely high now. $1k per month for each person age 50. We pay zero monthly.

    This is a silver plan with a further subsidized zero deductible, 50% copay up to the first $800 per year max out of pocket.

    Because of this, it doesn't pay at all to make any more money than the minimum to live off. Any money I make over about $25k a year as a couple would go almost entirely to increased premiums and the loss of the very low deductible.

    This is mostly why I drive because of the windfall of the tax deduction for miles when operating a vehicle at a substantially lower cost.

    It's really a backwards system in my opinion that severely punishes anyone earning more than poverty level wages that needs to purchase health insurance. But, for the time being, I just adapt to it like any other tax strategy.
     
    Michael - Cleveland likes this.
  2. Do tell

    Do tell Well-Known Member

    Location:
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    That was the plan by design.The ones that are cheerleaders for Obamacare are the ones that aren't paying much for it,or nothing at all.Ask the millions of Americans who can't afford it.Because deductibles are too high and they make too much money.But they still can't afford healthcare.

    I'm not sorry about it.Healthcare is a privilege,not a right.Who said life was fair?They were lying.

    Ask most uber drivers is it fair what they're getting paid from uber.Most will say it's not fair.
     
    Another Uber Driver and grams777 like this.
  3. Another Uber Driver

    Another Uber Driver Moderator Moderator

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    (any emphasis in this quote is mine)


    1. I am an Uber driver, my tax bracket is not low, thus the so-called "Affordable Care Act" ain't affordable for me. Some people seem to confuse "should" and "is". Without going into a discussion of semantics, syntax and grammar, let me state simply that the former indicates "potential" while the latter indicates "real". This confusion is something that the Left does frequently. "It should be" is not the same as "It is". While the concept of the We Are Telling You That You Can Afford This "Health Care" Act originated on the Right (Romney in Massachusetts), it is the Left that has embraced it on the Federal Level. I will make every effort to leave out both parties' throwing Wall Street a bone as well as the Nanny State for which the Democrats are so tirelessly labouring from this discussion.

    2. I do hope that you are not implying that I blindly support Republicans. This is a trap into which the Left falls frequently. They put anyone who disagrees with them on even the smallest point into automatic lockstep with the Extreme Right. Much of this is due to the lockstep/beehive mentality of the Left. Further, please do understand that my remarks about the Left do not necessarily associate you with it. Marry, they are directed more at those who support this so-called "ACA" as well as those who put it into effect.

    In fact, one of the reasons that I liked Obama when he was campaigning in 2008, was that he spoke strongly against the compulsionist "individual mandate". He characterised it as "fining people for being poor" or words similar.

    3. If everyone was supposed to be signing up for this, and, according to the compulsionist provision commonly called the "Individual Mandate", they were; this would mean that you would have both young and less likely to be ill signing up as well as the older and more likely to be ill.

    4. If these young and less likely to be ill people have been signing up as time passes, the effect has not been what you describe. I have received increases every year in both premiums and deductibles. This year, both were double digit increases. In the past, only the deductibles showed double digit increases, which meant that instead of getting reamed twice, I got reamed only once. This year, I received a double digit increase in both premiums and deductibles, which means that I can afford this even less and have to find money that I do not have to be able to afford even to use this thing that the government compelled me to purchase with money that I do not have.

    5. The current "solution" has compelled me to purchase something that I can not afford to use or purchase. While I am aware that the poor and the formerly uninsurable now can receive coverage, and, I do agree that this is wonderful for them. Still, I need to worry about my own problems before I can worry about anyone else's. I can not afford the fines. I can not afford the premiums. I can not afford to see the physician too many times because of the ridiculously high deductibles. Effectively, I can not afford to use this thing enough to get my money's worth out of it because I can not afford to pay the doctor's fees until I reach the deductible threshold. Essentially, the government is threatening to fine me a ridiculous amount of money if I do not become my own primary insurer and pay some insurance company for the "privilege".




    Far too often, the designed performance and empirical performance of something differ wildly. Seat belt laws are another example (something for which the insurance companies pushed). If compulsory use of seat belts is supposed to reduce injuries and fatalities, that would mean that the insurance companies are paying out less money. If the insurance companies are paying out less money, then there should be a rate war going on among the insurance companies. The only "rate war" that has happened anywhere is in states where the legislatures removed the prohibition on insurance companies' selling direct. Other than that, premiums keep going higher. Further, if there are supposed to be fewer injuries and fatalities, there would be fewer of these ambulance chasing television lawyers. There are more and more of them every day and the established ambulance chasing firms are doing better than ever they have. How many injuries and fatalities are these seat belt laws really preventing?

    Indeed, those who love Reid/Pelosi/Clinton Care are those who receive it for little or nothing or those who could pay for "insurance" but could not get it because the companies deemed them "uninsurable". Many of these people could not get even the poor "insurance" that his so-called "Affordable" Care Act provides and they could not get it at ANY price. Those people love it. There are many, however, especially in the middle class, who can not afford to buy it, can not afford to pay the consequences of not buying it and can not afford to use it.

    Goody for those who like it and benefit from it. Just as they must worry about their problems before they can worry about mine, I must worry about mine before I can worry about theirs. I am tired of being compelled to pay to solve other people's problems with the result that I can not pay to solve my own.
     
    Last edited: Jan 10, 2017
  4. ChortlingCrison

    ChortlingCrison Well-Known Member

    Location:
    Westwood
    If Obama care is repealed, there's always UberCare or TrumpCare.
     
    Michael - Cleveland likes this.
  5. Another Uber Driver

    Another Uber Driver Moderator Moderator

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    Will lower premiums and lower deductibles mean higher earnings for Uber?

    Rii-i-i-i-i-i-i-i-i-i-i-i-i-i-i-ighttttttt
     

  6. ChortlingCrison

    ChortlingCrison Well-Known Member

    Location:
    Westwood
    Which = more $$ for driver. You are so right!! hahahahaha.
     
  7. Oscar Levant

    Oscar Levant Well-Known Member

    Driving:
    UberX

    Guess what, the rate of increase during Bush years were a lot higher than under Obama. Take away the ACA, and I gaurantee rates will continue to increase, and if history is any indication, they will increase at a faster pace.

    Unless they can tax the super rich, or take money from defense spending, to make it affordable for those in the middle who are squeezed by ACA, the ACA will be problematic for that group. Since the republicans are unwilling to do this, then I fault the republicans because that is the solution . The only other solution is UHC ( medicare for all ).

    Thing is, without the ACA, if you still want "not being turned down with pre-existing conditions, and kids on parents health care until they are 26", and the positive aspects of the ACA, health care will still be more more expensive that it was prior to ACA because of these added values. Many cheap insurance policies prior to ACA were pure junk, i mean, you coudl be paying for 20 years, and get a catastrophic illness, and the insurance company would figure out some way to deny your claim, it happened with a significant number of claims. There was a whole 60 minutes episode on this very subject. Without these things, we are back to the dog eat dog world of insurers having whole floors in their buildlings with hundreds of claims people whose sole purpose is to figure out ways to deny claims. Do you want to return to that world, where the poor's only option is to go to emergency rooms, that are crowded, with over worked interns, a world where, if you apply for insurance, and have a pre-existing condition they wont' insure you? I was in that world, and compared to ACA, well, there is no comparison. If your sole income is Uber, and you take the 57 cents per mile deduction, your income should be low, legally, to qualify for a big subsidy the ACA. I do, so why dont you?

    That being said, I, as many progressives believe, the real solution is Univeral Health Care ( medicare for all citizens ). and for those anti-socialists who can't stand the idea, then why not let both UHC and private doctors and clinics ( who don't take subsidies ) co-exist? If you don't want medicare, then refuse it and go buy it wherever you want to. What the heck is wrong with that idea? Most western countries have UHC, so you mean to tell me the most powerful nation in the world, the richest nation in the world, where the top 1/10 of one percent own half the nations wealth, cannot? You'll never convince me of that, never ( not saying you, but many on the right make this argument ).

    I keep hearing the argument from the right that, well, "canadians come to america 'cause the dont' like waiting in line in Canada". I think this is misleading. yeah, a few, very few, actually do, but they come hear because of advances in health care are superior and unavailable in a lot of countries, not so much because of "waiting lines'. That being said, every time I get a canadian, a swede, a dane, etc, in my car, I ask them this question " would you replace your health care system for that which exists here in the USA". The answer is a unanimous NO. That should tell you something.
     
    Last edited: Jan 10, 2017
  8. Oscar Levant

    Oscar Levant Well-Known Member

    Driving:
    UberX

    First off, there are t0o many republican senators ( about six, so far ) who are cold to the idea of repealing ACA without a replacement.

    The good news is, that although they require 51 votes ( the repubs have it ) to repeal, they will need 60 votes to replace ( they will need about 8 dems on board ). No dem is going to vote for a replace that isn't better than the ACA ( in their view, which means subsidies for poor, and NO VOUCHERS ).

    So, they dont' have 51 votes to repeal without an immediate replace, and they dont' have a replace without dems approval.

    The long and short of it is, THEY CAN'T REPEAL IT.

    Obamacare is here to stay, so the big question is, will the repubs have the cajones to fix it? ( lowering costs for those in the middle who got squeezed).
     
    phillipzx3 likes this.
  9. elelegido

    elelegido Well-Known Member

    Location:
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    This is the most advanced nation in the world. Why can't it take care of its people's medical needs? Even lowly third world Cuba can do this, with limited resources, and still be recognised by the World Health Organisation for providing excellent standards in health care. It's quite embarrassing, really.
     
  10. Another Uber Driver

    Another Uber Driver Moderator Moderator

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    1. This statement does nothing to address my predicament. I could not afford it then, I can not afford it now, and, if your statements are correct, I will not be able to afford it at that point, either.

    2. Everyone knows what happens when you try to tax the super rich. The super rich can fight back and do so effectively. The poor have nothing to take. This is why both the Left and the Right go after the middle class. They have something to take but can not afford to fight back against the thieves. The Right picks on us because once they steal what we have, we find ways to recover so that they can steal from us, again. The Left seeks to impoverish us so that we must depend on it for handouts thus must support it. Both sides try to call us the "backbone" of this country, but have no qualms about squeezing us and compelling us to give away everything for which we have worked. We are the "backbone", allright, because we pay for every damned thing at the expense of ignoring our needs. We are tired of it.

    3. I need to worry about my own problems before I can worry about anyone else's. The way that this thing is set up, I can not afford it. Until something arrives that addresses my problems, I will support none of it. This nanny state horror scam places intolerable burdens on the middle class. Even that liar Clinton had to admit that "We realise that this will be a heavy lift for the middle class". She was in the Senate when this thing passed Congress. "Heavy lift"? Try "Direct Assault". The Fourth Estate, as usual, is misinforming the public when it publishes these articles about Americans not wanting the so-called ACA repealed. They do want to be able to purchase affordable health insurance, something that the so called ACA is not offering them. They do not like it the way that it is. If the press were to tell the truth, it would state that Americans want it replaced with something that actually is affordable to all, including the middle class. Currently, the middle class can not afford it.

    4. This is not untrue. There was one Life and Health insurance company in New Orleans that had a job description for entry-level Claims Adjuster that read, in short, "Your cubicle will be provided with a red ink stamp pad, a stamper, a copier and Company envelopes. Mail room personnel will make daily deliveries of claims. You will open the claim, copy it. You then will take the stamp that reads DENIED and stamp it across both original and copy of claim form. You will then put the copy in its designated place, put the original into the company provided envelope, address said envelope to the claimant and put it into its designated place. If you exhaust the claims assigned to you, you will inform your Supervisor who will take appropriate action. Every evening mail room employees will collect completed claims." It took you three and four submissions of the claim to get it past the entry-level Adjuster. It then took four more submissions where you had to submit copies in the policy where it specifically stated that this WAS COVERED. I never used a cheap insurance company. I always used reputable ones. In fact, I have obtained the best results from Kaiser.

    5. I do not want to pay for those people while I can not pay for my own health care. As this thing is, I am subsidising those people but I can not use what I have been compelled to buy to help myself. Until the day comes that I can afford to buy this "insurance"
    , I am not going to worry about those who have problems. Worrying about others problems while neglecting my own makes my problems only worse.

    6. I never stated that Uber is my sole income, nor is it. I do drive Uber. I have other sources of income. I am middle class, but thanks to
    the Oppress-ER-uh-PROGRESSives and their Bright Idea Programmes, I am being driven into poverty. The We Are Telling You That You Can Afford This "Health Care" Act is a major contributor to the construction of my path to poverty. If I work enough to pay my bills, I am ineligible for subsidies. If I do not work enough to pay my bills, I will be thrown out into the street. If I work enough to pay my bills, still I can afford neither the premiums nor the fines. Regarding the fines, why should I give my money to the government and receive nothing in return for it? I do that for two governments every 15 April as it is. All that I get for it is subsidising the lifestyles of irresponsible people; stupid wars fought with aeroplanes that will not fly, warships that sink and tanks that burn more fuel than can be kept to fuel them; subsidising the room service in five star hotels for junketing legislators and re-imbursing fatcats who steal from me and waste the money that they do steal. I tend to be harder on the Left than I am on the Right only because the Left screams louder about how it is on the side of little guys like me then proceeds to demonstrate that it is on any side but mine. Further, I resent having my private life micromanaged, something that the Left does more than the Right. In truth, I have more than a little contempt for both.

    7. I am not opposed to the idea of parallel systems. Canada and Great Britain allow it. What would interest me is to know if this has created any competition among insurers and forced them to offer more reasonable policies with reasonable premiums and deductibles.





    (emphasis mine)

    ^^^^^This^^^^^, but I doubt it. The Right makes no bones about its not being for the middle class. The middle class is useful to the Right only as a source of funding. Remember, the most successful thieves are not those who make the one time Big Score. Marry, the most successful crook is he who steals a little bit from a large number of people over a long period of time. The Right excels at that.

    On the other hand, the Left tells me that it is for me, then stabs me not in the back , but in the gut and then slits my throat. What is worse is that the Left expects me not just to thank it for doing that; it expects me to applaud.

     
  11. LAuberX

    LAuberX Moderator Moderator

    Location:
    Los Angeles
    Driving:
    UberX
    Suffer? no Rejoice!

    Everybody has a different situation, I land solidly in the zone of I can't afford it and will pay a penalty for not having it. It is based on "family" income, and my wife has a real job.

    The "subsidy" does drop the monthly premium for me down to a still not affordable $360.00/month, $4,320.00/year for a lousy Bronze plan.

    For me the worst aspect is the Deductible! Not even xrays are covered until the Deductible is paid for each and every year... how much is the Deductible you ask? $6,000.00!!

    So in any year I actually need some medical care I would have to come up with $10,320.00 before the "health care" kicks in... plus co pays for doctor visits and prescriptions.

    The way I look at it the $10,320.00 is a tax. No other way to look at it. Instead we will pay a nearly $2,000.00 penalty for my NOT having ANY health care. Can you say re distribution of wealth?

    Obama, don't let the door hit you in the ass on the way out.
     
    ABC123DEF likes this.
  12. Another Uber Driver

    Another Uber Driver Moderator Moderator

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    What this has done to me, and, it appears has done to you, is that it makes you pay for the dubious and ecstatic "privilege" of being your own primary insurer. Why do you need to pay ten or even two thousand bananas every year to do that? You could do that before this so-called ACA went into effect without the added expense.

    I thank God every day for my health. I do not remember the last time that my health care costs were more than two thousand dollars annually, and then, it was for dentists (and the dental "insurance" that these plans "provide" is piss poor and few dentists accept them). Add to that I am a guy who is old and in poor shape.
     
    ABC123DEF and LAuberX like this.
  13. Do tell

    Do tell Well-Known Member

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    I'm an anti-socialist,because I'm an American.I'm not going to keep beating on a dead horse.For those who think we should pay for everyone because we are America.They should move to a socialist country and let them take care of you.

    Socialism is a mental disorder that must be cured.I look forward to eight years of greatness after living eight years of sadness.
     
  14. Oscar Levant

    Oscar Levant Well-Known Member

    Driving:
    UberX


    Cool, then the next time your house or apartment is on fire, you call the fire department and you can pay for it, because I'm tired of paying for it for you.
     
  15. Do tell

    Do tell Well-Known Member

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    Took a little offense there did you.None intended,my apologies.Thank goodness I have a volunteer fire department a quarter mile from my house.You don't have to pay for any of it.

    Socialism is a mental disorder that must be cured.
     
    Last edited: Jan 10, 2017
  16. Oscar Levant

    Oscar Levant Well-Known Member

    Driving:
    UberX
    These are defects in the ACA, if the right would cooperate, could easily be fixed. Health care should be a right. Whether or not it is or isn't, will be decided by voters. Trump won because.....

    [​IMG]
     
  17. Another Uber Driver

    Another Uber Driver Moderator Moderator

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    He does pay for the Fire Department. Please do not tell me that "progressives" have forgotten all about something called "taxes", you know, the "progressives' " universal solution to all problems: taxes, Taxes, TAXES, TAXES and MORE TAXES
     
  18. Do tell

    Do tell Well-Known Member

    Location:
    Home
     
  19. Oscar Levant

    Oscar Levant Well-Known Member

    Driving:
    UberX

    Well, if you do move somewhere where there is not a volunteer fire department, I'll expect you to pay for it should
    you need their services, and any other service provided by the government.

    Agreed?
     
  20. Oscar Levant

    Oscar Levant Well-Known Member

    Driving:
    UberX
    No, that's not quite right.

    You've been watching and listening to too many right wing radio shows, fox news, etc. if I believed half of the things republicans sayabout democrats, I would be a republican.

    No, progressives want middle class and poor to pay less or no taxes. Progressives want the rich to pay them, for one simple reason, they can afford it. We say if someone makes one billion per year, he can probably manage to squeak by on a million per day, ya think?
     

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