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Started By
Message
re: Health insurance rate spike
Posted on 3/8/16 at 10:12 am to lsufan1971
Posted on 3/8/16 at 10:12 am to lsufan1971
quote:
It just isn't sustainable for employers that actually pay the majority of the costs.
There is a difference between this, which is happening as many companies all over (as premiums rise, companies are not increasing their contributions, so more and more of the premium is paid by the employee) and the OP, where it appears the employer actually cut back on the amount they are spending.
Part of the problem with our current health care insurance model is that for many people, they don't know the trust cost of health insurance, because they only pay a portion of it (and that portion they pay is with before-tax dollars).
0
Posted on 3/8/16 at 11:12 am to Epic Cajun
quote:
Mine is very similar, $87 per month $500 HSA. I didn't realize how good it was.
and I will ask you yet again.
Do you use the BLUESAVER HSA with BCBS??
shite my bad, this was meant for LSU GUMBO
This post was edited on 3/8/16 at 11:15 am
Posted on 3/8/16 at 11:13 am to LSUFanHouston
quote:
everyone else on your parent's plan, and everyone else who is insured by the same company as your parents, is paying for your insurance.
So they can all give a big EFF U to that youngster now?
This post was edited on 3/8/16 at 11:15 am
Posted on 3/8/16 at 11:29 am to Fat Bastard
No, I don't.
Posted on 3/8/16 at 12:37 pm to Polar Pop
I have Aetna and had a similar extreme rate hike. Went with the high deductible family plan and it has been a nightmare. Can't wait for my wife to go back to work as a teacher and take advantage of state insurance. This is a nightmare for young families on company assisted insurance plans.
Posted on 3/8/16 at 12:57 pm to Rhino5
What's wrong with the HDHP? I just enrolled in mine and it seems like it'll work great for me. 
Posted on 3/8/16 at 12:58 pm to Epic Cajun
Anybody remember that old commercial from early 80's,
"Aetna I'm glad I met ya"!
Plenty are not so glad now.
"Aetna I'm glad I met ya"!
Plenty are not so glad now.
Posted on 3/8/16 at 1:25 pm to Epic Cajun
I'm on BCBSoT high deductible. I pay ~$100/ month with a deductible of 4800 and max out of pocket of 8500. This is an 80/20 plan.
With my old plan I was paying $70/ month and only had a deductible of 3500 and it was 100/0. obamacare sucks so bad.
With my old plan I was paying $70/ month and only had a deductible of 3500 and it was 100/0. obamacare sucks so bad.
Posted on 3/8/16 at 1:28 pm to b-rab2
Even my liberal buddy who supported BO has buyers remorse as his insurance has rocketed up. The ACA really has worked 
Posted on 3/8/16 at 1:41 pm to iron banks
quote:
The ACA really has worked
The ACA has worked exactly as many of us have said it would...
Posted on 3/8/16 at 1:48 pm to Polar Pop
I know an agent you can talk to...you actually met him. Mr. Manny in Houma. Could you imagine?
On a serious note, our company has over 50 employees so we have been grandfathered in so far. That will change this May. In a nutshell, our company has to pay health insurance premiums for every employee here per the new law. (At least offer it) BUT, what will change is before this cluster frick of ACA, our company would pay for 1/2 of our FAMILY premium, but now they are not obligated to pay any premiums for my wife and kids since they have to pay for all employees full premiums. (Which I understand) So yeah, I get my insurance paid for in full now instead of paying half, but now I have to come out of pocket for my wife and kids entire premiums. Of course I won't qualify for any government subsidies, cause heaven forbid I actually bust my arse and make some decent money. I told my boss that he will have to give me a raise to make up for any additional out of pocket premiums I have to pay for my family and he said we can try to hash that out. Screw this law....I really don't understand how families will be able to absorb these extra premiums unless I am missing something.
On a serious note, our company has over 50 employees so we have been grandfathered in so far. That will change this May. In a nutshell, our company has to pay health insurance premiums for every employee here per the new law. (At least offer it) BUT, what will change is before this cluster frick of ACA, our company would pay for 1/2 of our FAMILY premium, but now they are not obligated to pay any premiums for my wife and kids since they have to pay for all employees full premiums. (Which I understand) So yeah, I get my insurance paid for in full now instead of paying half, but now I have to come out of pocket for my wife and kids entire premiums. Of course I won't qualify for any government subsidies, cause heaven forbid I actually bust my arse and make some decent money. I told my boss that he will have to give me a raise to make up for any additional out of pocket premiums I have to pay for my family and he said we can try to hash that out. Screw this law....I really don't understand how families will be able to absorb these extra premiums unless I am missing something.
Posted on 3/8/16 at 2:23 pm to LSUFanHouston
quote:
While I am happy for you, the truth is, everyone else on your parent's plan, and everyone else who is insured by the same company as your parents, is paying for your insurance.
No shite. And I thank them and the state of Alabama for the one dr appointment for the flu in the past 5 years.
Posted on 3/8/16 at 2:33 pm to deaconjones35
quote:
Mr. Manny in Houma
Why am I not surprised I am putting my resume out at the moment. Tomorrow I will call and make it known that this will not work, from there I will see what is offered and hope for the best.
Posted on 3/8/16 at 2:34 pm to Polar Pop
quote:
I am putting my resume out at the moment.
Can't remember but your with a local company right?
Posted on 3/8/16 at 2:43 pm to Polar Pop
sucks man
can't hold off any longer?
things are starting to get active in the area again
can't hold off any longer?
things are starting to get active in the area again
Posted on 3/8/16 at 2:51 pm to LSUFanHouston
quote:
While I am happy for you, the truth is, everyone else on your parent's plan, and everyone else who is insured by the same company as your parents, is paying for your insurance.
Extending the coverage period from 22 to 26 for children accounts for almost none of the increase in rates and a grain of sand on the beach for the overall premium rates.
This post was edited on 3/8/16 at 2:54 pm
Posted on 3/8/16 at 2:59 pm to stevengtiger
quote:
Can't remember but your with a local company right?
Global, based out of Houston.
Salmon, I am hearing of it picking up. The only thing is that no matter how busy it gets, they will never regroup and go back to helping us out on the insurance.
Posted on 3/8/16 at 3:11 pm to Polar Pop
quote:
The only thing is that no matter how busy it gets, they will never regroup and go back to helping us out on the insurance.
sucks
makes me extremely thankful for my insurance
$150/month premium for family
$4500 deductible
company contributes $3k to HSA to help with deductible
Posted on 3/8/16 at 3:12 pm to Epic Cajun
quote:
What's wrong with the HDHP? I just enrolled in mine and it seems like it'll work great for me.
Are you married? kids? I have to pay $4k deductible, then another $2750 co-pay before 100% is covered. I also have to pay the same premium I did last year for the low deductible... That plan was abandoned by the company. I've already surpassed $6750 in the first month. I'm a single income earner.
-$169 premium per paycheck
-$4000 deductible
-$2750 80/20 copay
-company contributes $1250
Last year I paid $169 premium and $1500 deductible.
This post was edited on 3/8/16 at 3:15 pm
Posted on 3/8/16 at 3:18 pm to LSUFanHouston
quote:
The ACA has worked exactly as many of us have said it would...
ACA didn't cause the exploding healthcare costs associated with end of life care. While it may helped make the rising premiums worse, rising premiums were always coming.
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