[Crown@club]

Originally Posted by Riot

The insurance exchanges are not yet in force, are they? That means your insurance company isn't dealing in an open, competitive market yet - they still have a bit of a monopoly over you this last year.

However, rest assured, right now, that if your insurance company doesn't spend at least 80% of that premium dollar on your health care, you will get a rebate, thanks to Obamacare. 12 million Americans already got the first rebate this year first week of August.

Right now, you, Dell, and everyone else here, have the following great benefits from Obamacare:

- You can no longer be kicked off your insurance for reaching a lifetime dollar cap

- You can never be denied coverage for a pre-existing condition.

- Your out-of-pocket medical expenses are capped.

- If you are single and make less than $43,320 a year, you will be eligible for assistance to purchase insurance on exchanges if necessary

- If you own a small business, you are except from providing insurance to your employees; if your company is more than 50 employees, you qualify for a tax credit for offering insurance to them.

- There is a new Consumer Assistance Office to help you file a complaint or appeal a decision from your insurance company.

- Insurance companies can no longer make excessive rate hikes; those doing so may be barred from participating in the exchanges.

- If you have children age 26 or less, they can stay on your family insurance.

- Your parents have had the Medicare Part D "donut hole" closed, and now they pay only 25% of drug costs up to $4550, and only 5% of drug costs above that.

Republicans want to take all the above current benefits away, and vow to repeal it January 2013.

This is such BS! As premiums sky-rocket. These employees, who do not covered has to find their own coverage that they can't handle. Yea that's some help to the lower class.