flowerlad
Joined 8 years ago
Joined 8 years ago
Not true
It is not obvious to me at all. I like Apple's naming more: iPhone Pro Max is better than iPhone Pro which is better than iPhone.
Sol vs Luna, how am I supposed to know which is better? Is sol a word, what does it mean? Same with mythos and fable. How am I supposed to keep track of these names across multiple companies? Why can't they use Claude vs. Claude Pro vs. Claude Pro Max?
David Hearn, the former Olympic canoeist was accused and indicted for damaging the Lincoln Memorial Reflecting Pool, purely as a scapegoat.
All federal funds to the state of Colorado frozen to force them to release a convicted-and-imprisoned ally of the administration (see https://www.youtube.com/watch?v=DOE6DTMjPEc )
All of this happening out in the open, no checks, no balances. Yeah it isn't "pretty close", it is a police state.
> Large employers are usually self-insured.
They can choose to not be self-insured as well. This needs to be based on what is best for employees, not corporations.
First of all, it is not cheaper. It may be cheaper for young people because ACA marketplace rates are age dependent while COBRA rates are not. It is not cheaper if you are over a certain age, it is significantly more expensive.
Secondly, many ACA marketplace plans have narrower networks. (Which doctors are in-network doesn't only dependent on the insurance company, it also depends on the network, and insurance companies have multiple networks.) In WA, check out Regence's network for ACA plans--most hospitals are excluded, while their regular plans include them.
Unlike COBRA which almost always includes out-of-state doctors and hospitals, ACA networks don't. If you get a rare disease for which the expert doctor is in another state over you're out of luck.
And lastly, ACA rates just went up 20% in many states. If you are a couple in your 60's, you will pay nearly $45,000 for health insurance and then pay $7,000 each in deductible before insurance kicks in. At these rates, most healthy people will decide to forgo insurance. Which will reduce insurance company profits, who will then raise rates even more. This is a death spiral, and ACA will collapse (which is a desirable outcome as far as the current admin is concerned).
Good question, and why limit this question to Microsoft? Why does COBRA have an 18-month limit? There should be no time limit to COBRA at all, especially if you have been with the same employer for many years. The law needs to be updated. Contact your elected representative.