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re: First Obamacare Premium Notices For 2015 Show Double Digit Increases
Posted on 5/15/14 at 10:24 am to UncleFestersLegs
Posted on 5/15/14 at 10:24 am to UncleFestersLegs
quote:
Great link.
Looks to me like the rate of increase was steadily decreasing until the time that the ACA was passed. At which point it started to well... increase alot faster than it was decreasing. Wiping out a 5 year trend of decreasing in just one year.
Edited to add: Which would be exactly what darkhorse said, only before I said it.
This post was edited on 5/15/14 at 10:26 am
0
Posted on 5/15/14 at 10:26 am to NC_Tigah
quote:
First Obamacare Premium Notices For 2015 Show Double Digit Increases
But Obama said we were all gonna save $2500!
Posted on 5/15/14 at 10:26 am to lsu13lsu
quote:
You guys have to be patient. Janitors are going to take a three hour course and become surgeons. We are also going to recruit the best doctors from third world countries to come over. It is a temporary supply and demand issue.
I know you're joking, but the supply/demand aspect is a real issue.
The medical community in this country purposely suppress supply to help keep wages high. This starts at the med school level.
You know that lots of schools would want to open medical schools (rich doctor alums = $$$$ for stupid shite that colleges spend money on).
Tons of foreign medical students and doctors would love to come to America to practice medicine.
Posted on 5/15/14 at 10:27 am to Truckasaurus
Posted on 5/15/14 at 10:28 am to UncleFestersLegs
quote:
What can't be sustained wont be. Popularity wont matter.
we have long passed what can be sustained, and we still continue to spend way more than we take in, and continually increase the size and scope of gov't.
We are passed the point of no return. we passed than 25 years ago. Maybe 50.
Posted on 5/15/14 at 10:31 am to NC_Tigah
So someone paying 200 a month now will pay 220 next year. Somehow I think everyone can handle that.
Posted on 5/15/14 at 10:33 am to Eurocat
quote:
So someone paying 200 a month now will pay 220 next year. Somehow I think everyone can handle that.
What is the lowest non subsidized premium?
Posted on 5/15/14 at 10:33 am to Hawkeye95
But speak to the promises made about the product in order to sell it to the American people, not just those with pre-existing conditions. The goal posts can't be moved now. The CEO of the ACA made specific advertising claims about the product that were not truthful.
The FTC has Truth in Advertising standards to protect consumers from misleading sales pitches. If I purchased a vehicle based on a posted fuel economy rating giving me 32 mpg and it only gave me 22 mpg, that would constitute fraud and I would be be able to get compensation. When is Government going to be held accountable?
The FTC has Truth in Advertising standards to protect consumers from misleading sales pitches. If I purchased a vehicle based on a posted fuel economy rating giving me 32 mpg and it only gave me 22 mpg, that would constitute fraud and I would be be able to get compensation. When is Government going to be held accountable?
Posted on 5/15/14 at 10:36 am to Clete Purcel
quote:
The FTC has Truth in Advertising standards to protect consumers from misleading sales pitches. If I purchased a vehicle based on a posted fuel economy rating giving me 32 mpg and it only gave me 22 mpg, that would constitute fraud and I would be be able to get compensation. When is Government going to be held accountable?
This is very, very true... If this was any organization or corporation besides the government they would be calls from the left for punishment and huge fines, perhaps calls to break them up an massive oversight... :crickets:
Posted on 5/15/14 at 10:38 am to Hawkeye95
quote:
for many people it is better than before, especially those that can get coverage due to pre-existing conditions.
Except they're still not buying insurance because, here's a shocker, the premiums are still really high. You have probably 2-3M people (charitable estimate) who have insurance now that didn't last year. And we disrupted the entire system and raised premiums 10ish% to accomplish that. It's a monumental disaster and there's no way around that.
Posted on 5/15/14 at 10:40 am to Truckasaurus
quote:O M G
The medical community in this country purposely suppress supply to help keep wages high. This starts at the med school level.
Yep the medical community in this country does that.
quote:The stupid is strong with this one.
You know that lots of schools would want to open medical schools (rich doctor alums = $$$$ for stupid shite that colleges spend money on).
Posted on 5/15/14 at 10:42 am to Eurocat
quote:
So someone paying 200 a month now will pay 220 next year. Somehow I think everyone can handle that.
You are probably an Econ major? Outstanding analysis.
Posted on 5/15/14 at 10:49 am to Truckasaurus
quote:
It seems like the only effect on cost by Obamacare is that poorer folks and folks with pre-existing conditions can afford it.
If by "afford it" you mean force others to pay for them and their poor decisions then yes
Posted on 5/15/14 at 10:50 am to NC_Tigah
We recently had a staff meeting to discuss health insurance, as our group policy renews this summer. We are in the 50 employees or less group size.
As of current, we only offer one plan - a high deductible plan.
Starting this summer, we will offer two plans - the high deductible one (with no changes to coverages, deductibles, etc), and a Point of Service plan with copays and a $500 per person deductible for non co-pay stuff.
For those people who will stay on the high deductible plan, the premium is decreasing $65/month. For those people who will switch to the new POS plan, the premium will be $30/month less than what we are currently paying. This is for employee-only coverage.
It should be noted that our company isn't kicking in any more money. It's just that our premiums actually went DOWN.
Why? The benefits company rep said basically that our company has a lot of old, sickly people, high claim history, etc. So we were paying premiums that are dramatically higher than normal. However, with O-care, due to eliminating certain ratings, everyone pays close to the average.
Some will pay more, some will pay less. Our group is going to pay less.
Of course, your mileage may vary.
As of current, we only offer one plan - a high deductible plan.
Starting this summer, we will offer two plans - the high deductible one (with no changes to coverages, deductibles, etc), and a Point of Service plan with copays and a $500 per person deductible for non co-pay stuff.
For those people who will stay on the high deductible plan, the premium is decreasing $65/month. For those people who will switch to the new POS plan, the premium will be $30/month less than what we are currently paying. This is for employee-only coverage.
It should be noted that our company isn't kicking in any more money. It's just that our premiums actually went DOWN.
Why? The benefits company rep said basically that our company has a lot of old, sickly people, high claim history, etc. So we were paying premiums that are dramatically higher than normal. However, with O-care, due to eliminating certain ratings, everyone pays close to the average.
Some will pay more, some will pay less. Our group is going to pay less.
Of course, your mileage may vary.
Posted on 5/15/14 at 10:51 am to Eurocat
quote:
So someone paying 200 a month now will pay 220 next year. Somehow I think everyone can handle that.
Sadly, I'm in the middle class and my rate of pay did not rise by 10% to pay for this increase.
Posted on 5/15/14 at 10:53 am to Clete Purcel
why are there no Obamabots posting in here?
Posted on 5/15/14 at 11:01 am to Mr.Perfect
quote:
why are there no Obamabots posting in here?
I wouldn't call myself an "Obamabot", but I do think that the ACA is a net improvement to society.
Before we argue, here is the top 3 things I would change in Obamacare:
Required coverages (that list of ten) - I think the list can exist and insurers just need to be up front about which ones are covered (not buried in contracts). A good idea would be to put a checklist by each plan on the exchange. Let people choose what they want covered.
Subsidy size - anyone paying as little as some people pay is ridiculous; I'd prefer something along the lines of subsidizing anything people pay above 10% of their income.
Exchange websites - the individual insurance companies can handle everything on their websites.
Posted on 5/15/14 at 11:02 am to LSUFanHouston
quote:
Why? The benefits company rep said basically that our company has a lot of old, sickly people, high claim history, etc. So we were paying premiums that are dramatically higher than normal. However, with O-care, due to eliminating certain ratings, everyone pays close to the average.
Or to put it more accurately, the cost of caring for older people is shifted even more to younger people.
Posted on 5/15/14 at 11:18 am to Truckasaurus
quote:So.. why do we need Obamacare?
That's the rate they were growing before Obamacare too!!!
Posted on 5/15/14 at 11:20 am to LSUFanHouston
quote:Buyer beware! A PPO w/o the PP's in the O is not worth much. Not saying that is the situation, but it is a broadly recurring theme.
Starting this summer, we will offer two plans - the high deductible one (with no changes to coverages, deductibles, etc), and a Point of Service plan with copays and a $500 per person deductible for non co-pay stuff.
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