Home Mail MemberMap Chat (0) Wallpapers
Go Back   ChiefsPlanet > The Ed & Dave Lounge > D.C.

Reply
 
Thread Tools Display Modes
Old 10-16-2013, 02:04 PM  
Taco John Taco John is online now
12on Paul
 
Taco John's Avatar
 
Join Date: Jun 2001
Casino cash: $6050
Repeal and Replace...

Quote:
Originally Posted by suzzer99 View Post
Where is your evidence of this? Please refrain from posting apples to oranges anecdotal evidence that you got off Drudge.

George Schwab of Charlotte, who pays $228 a month for his family’s $10,000 deductible plan from Blue Cross and Blue Shield of North Carolina.

In a Sept. 23 letter, Blue Cross notified him that his current plan doesn’t meet benefit requirements outlined in the Affordable Care Act and suggested a comparable plan for $1,208 a month – $980 more than he now pays.

Read more here: http://www.charlotteobserver.com/201...#storylink=cpy




Michael Hood, 46, who lives near Winston-Salem, is another of the Blue Cross customers who is suffering sticker shock after receiving a recent renewal letter.

He and his wife, who is expecting their third child, now pay $324 per month for a plan with a $10,000 family deductible. The comparable plan suggested by Blue Cross for next year would cost $895.27 per month with an $11,000 family deductible. Their annual payment would rise from $14,000 to $24,000.

Read more here: http://www.charlotteobserver.com/201...#storylink=cpy

-----

My wife and I just got our updates from Kaiser telling us what our 2014 rates will be. Her monthly has been $168 this year, mine $150. We have a high deductible. We are generally healthy people who don't go to the doctor often. I barely ever go. The insurance is in case of a major catastrophe.

Well, now, because of Obamacare, my wife's rate is gong to $302 per month and mine is jumping to $284.

I am canceling insurance for us and I am not paying any ****ing penalty. What the hell kind of reform is this?

http://www.dailykos.com/story/2013/0...onthly-premium

-----

Cindy Vinson and Tom Waschura are big believers in the Affordable Care Act. They vote independent and are proud to say they helped elect and re-elect President Barack Obama.

Yet, like many other Bay Area residents who pay for their own medical insurance, they were floored last week when they opened their bills: Their policies were being replaced with pricier plans that conform to all the requirements of the new health care law.

Vinson, of San Jose, will pay $1,800 more a year for an individual policy, while Waschura, of Portola Valley, will cough up almost $10,000 more for insurance for his family of four.

http://www.mercurynews.com/nation-wo...osers-bay-area

-------

But people with no pre-existing conditions like Vinson, a 60-year-old retired teacher, and Waschura, a 52-year-old self-employed engineer, are making up the difference.

"I was laughing at Boehner -- until the mail came today," Waschura said, referring to House Speaker John Boehner, who is leading the Republican charge to defund Obamacare.

"I really don't like the Republican tactics, but at least now I can understand why they are so pissed about this. When you take $10,000 out of my family's pocket each year, that's otherwise disposable income or retirement savings that will not be going into our local economy."

Both Vinson and Waschura have adjusted gross incomes greater than four times the federal poverty level -- the cutoff for a tax credit. And while both said they anticipated their rates would go up, they didn't realize they would rise so much.

"Of course, I want people to have health care," Vinson said. "I just didn't realize I would be the one who was going to pay for it personally."

http://www.mercurynews.com/nation-wo...osers-bay-area

------

Health insurance premiums for young people will rise in all 50 states under Obamacare, with an average increase of 260 percent, according to a study released Thursday.

According to a study released by the American Action Forum, post-Obamacare premiums will average $187.08 per month, up from $62 per month in 2013, a 202 percent increase. Overall, states averaged an increase of 260 percent.

Forty-four out of 50 states saw a three-digit percent increase, and in Vermont the cheapest available premium for a 30 year-old male nonsmoker will increase by $332.69, or 600 percent.

http://freebeacon.com/study-premiums...all-50-states/

-----

After analyzing each bronze-tier plan for a 30-year-old single male, every state saw an increase. Most saw an increase between 200 and 300 percent, with the top five occurring in Vermont, Georgia, Nebraska, Arkansas, and Wisconsin.

http://freebeacon.com/study-premiums...all-50-states/


------

"I just got my benefits renewal from Blue Cross for next year and they doubled my rate!" he wrote AL.com in an email. "I was paying $675 for a family premium (2 adults, one 22 yo dependent) with a $1,500 deducible. The new rate for a comparable plan is $1,360 with a $3,000 deductible. Basically they have doubled my costs."

http://blog.al.com/spotnews/2013/10/...why_are_s.html


------

Obama thinks that he is making insurance affordable. I just got a letter from my Blue Cross Blue Shield that if I want to keep their insurance it's going to cost me $300 more a month. I already pay $300 a month now and they're wanting right at $600 a month for this Affordable Care Act that Obama has.


http://www.al.com/opinion/index.ssf/...ess-regis.html

-----

Obamacare Will Increase Avg. Individual-Market Insurance Premiums By 99% For Men, 62% For Women

Based on a Manhattan Institute analysis of the HHS numbers, Obamacare will increase underlying insurance rates for younger men by an average of 97 to 99 percent, and for younger women by an average of 55 to 62 percent. Worst off is North Carolina, which will see individual-market rates triple for women, and quadruple for men.

http://www.forbes.com/sites/theapoth...-62-for-women/

------

"We would have to pay, out of pocket, for all of our prescriptions until we reached that $9,000 family deductible," said Jaynes.

The plan includes three doctor visits, with a $60 co-pay and a free wellness check. But prescription drugs are not covered until Jaynes pays a big deductible.

That's a critical issue for Jaynes because she suffers from migraines but it will cost her another $330 a month to upgrade. She makes too much money to qualify for subsidies.

http://abclocal.go.com/kgo/story?sec...ide&id=9288812

-------

Choosing a state at random, the Manhattan Institute reports that before the ACA, the average 27-year-old male in Arkansas could buy a health insurance policy for roughly $54 a month. According to the White House website, on the ACA exchange, the average lowest-priced plan will be three times more expensive, costing him around $181 a month – a 235 percent increase. If he were to purchase a stripped-down catastrophic plan, it would cost roughly $135 per month, two-and-a-half times more than his current insurance.

http://www.usnews.com/opinion/blogs/...or-millennials


-----

before the ACA, the average 27-year old woman in Arkansas could get health insurance for around $81 per month. On the ACA exchange she will pay roughly $181 for the average lowest-priced plan, more than doubling her cost of health insurance. If she were to get the $135 per month catastrophic insurance coverage – the cheapest insurance offered on the exchange – it will still cost 66 percent more than her current insurance.

http://www.usnews.com/opinion/blogs/...or-millennials

-----
Donavan, 41 of San Francisco, is self-employed and buys his own health insurance. Currently he pays $841 per month for insurance for himself, his wife and three young children. Effective Jan. 1, that’s going up to $1,000, with a higher deductible.

Donavan says he voted for Obama in both elections and calls himself a “big proponent” of the health law. He has a pretty calm demeanor and says he was “surprised” by this news from Kaiser.

“I just keep coming back to the name ‘Affordable Care Act,’” he said. “I thought I’d pay the same or less for better coverage.”

http://blogs.kqed.org/stateofhealth/...iums-going-up/

-----

Tom Gialanella of Seattle, who is self-employed, told Fox News, "my premiums would increase approximately 61 percent. I went from $891 a month to $1437 dollars a month. And also my deductibles all doubled."

The letter from his insurer said his current deductible for his family of five would double from $4,000 a year to $8,000.

Even though that's for the Bronze Plan, the least expensive option under ObamaCare,he says his additional payment of$550 a month will give him a plan that is no better than what he already has. What’s more, it also it carries a benefit his family does not need: maternity and newborn care. Gialanella is almost 60 and makes too much money to get any subsidies.

-----


It had stunning news. Insurance for the Mangiones and their two boys,which they bought on the individual market, was going to almost triple in 2014 --- from $333 a month to $965.

The insurance carrier made it clear the increase was in order to be compliant with the new health care law.


http://www.foxnews.com/politics/2013...are-nightmare/

-----

The Office of the Commissioner of Insurance has not released information on the premiums but did put out estimates on the projected increase in costs for individuals.

It estimated that premiums would increase 45.48% to 78.11% for an individual policy based on someone's age in the Milwaukee market. Its estimates also varied wildly throughout the state.

An actuarial study cited on the office's website had projected that medical costs would increase 80% by 2017.

http://www.jsonline.com/business/oba...225172842.html
Posts: 50,881
Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.
  Reply With Quote
Old 10-17-2013, 12:27 PM   #31
ILChief ILChief is offline
MVP
 
ILChief's Avatar
 

Join Date: Jan 2001
Casino cash: $6547
There's no way insurance companies are using this as an excuse to stick it to everyone while blaming it on Obama care. They are much too honest for that
Posts: 6,337
ILChief would the whole thing.ILChief would the whole thing.ILChief would the whole thing.ILChief would the whole thing.ILChief would the whole thing.ILChief would the whole thing.ILChief would the whole thing.ILChief would the whole thing.ILChief would the whole thing.ILChief would the whole thing.ILChief would the whole thing.
  Reply With Quote
Old 10-17-2013, 12:43 PM   #32
KC native KC native is offline
a toda madre o un desmadre
 
KC native's Avatar
 

Join Date: Feb 2009
Location: Fort Worth, TX
Casino cash: $8106
Quote:
Originally Posted by ILChief View Post
There's no way insurance companies are using this as an excuse to stick it to everyone while blaming it on Obama care. They are much too honest for that
And there is also no way that recency bias is creeping into the anecdotes either.
__________________
The diameter of your knowledge is the circumference of your actions. Ras Kass

Quote:
Originally Posted by Iowanian View Post
I'm just a little pussy from Iowa
Posts: 17,653
KC native wants to die in a aids tree fire.KC native wants to die in a aids tree fire.KC native wants to die in a aids tree fire.KC native wants to die in a aids tree fire.KC native wants to die in a aids tree fire.KC native wants to die in a aids tree fire.KC native wants to die in a aids tree fire.KC native wants to die in a aids tree fire.KC native wants to die in a aids tree fire.KC native wants to die in a aids tree fire.KC native wants to die in a aids tree fire.
  Reply With Quote
Old 10-17-2013, 01:09 PM   #33
Taco John Taco John is online now
12on Paul
 
Taco John's Avatar
 

Join Date: Jun 2001
Casino cash: $6050
Quote:
Originally Posted by ILChief View Post
There's no way insurance companies are using this as an excuse to stick it to everyone while blaming it on Obama care. They are much too honest for that
That's kind of the point.
__________________
Ehyeh asher ehyeh.
Posts: 50,881
Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.Taco John is blessed with 50/50 Hindsight.
  Reply With Quote
Old 10-17-2013, 01:19 PM   #34
jettio jettio is offline
MVP
 

Join Date: Sep 2002
Location: Kansas City
Casino cash: $5000
So we have some stories about some people with no discussion of tax subsidies and premium caps that apply for most people. Seems like the stories are incomplete because they do not say that there has been an actual enrollment in the proposed more expensive plan.

Depending on income level, some people will pay higher premiums without premium caps and tax subsidy, but few people that earn that much money are going to have premium costs above the premium cap of 9.5% of income.

The minimum coverage requirements provide for no out-of-pocket for preventative screenings. A lot of people will go to the doctor without co-pay or deductible because of that. The insurance will pay the doctor so that is one reason for a higher premium. If people get free doctor visits for checkups they likely use them.

It does seem to be nanny-state-ish to give people a reason to see the doctor for preventative screenings, but I suppose the justification is that it is cheaper to prevent some preventable diseases than to pay for the costs of treatment after onset.

We'll see how it plays out practically and politically. I bet is plays out better in the states that went for the Medicaid expansion and set up their own exchanges.

There may be a better chance that the political trend is to vote for people that will do the Medicaid expansion in the states that have been spiteful so far.

And, since a big majority of people have employer provided care, you would have to see how implementation plays out there to know if there would be a political backlash.

Reform of the ACA, seems the only practical possibility. You can't repeal and replace it because there is no proposed replacement that is practical and preserves the politically popular ideas that there should be no lifetime limits, no pre-existing condition barriers, the premium refund requirement for insurance companies if 80% is not paid to health care and health insurance portability. Some economists predict that a lot of people will voluntary leave jobs that they don't like but keep only for the health insurance coverage. It could really help the job market because a lot of 50 y/o+ stay working longer because they are ineligible for medicare until a certain age.

Also, I don't think it would be reasonable to expect insurance companies to lower rates after repeal. Repeal would mean less enrollees, how would repeal lower premiums for the same level of plan features. The only way repeal would result in cheaper premiums is if you take out features.

If Obamacare turns into a disaster, there is as much chance that there will be a push for single payor. US businesses might just get sick and tired of being expected to be the health care insurer of their employees. Is there a practical way of disentangling the long time custom and soon to be mandated law of employer provided health insurance?

Reform for obvious problems is what happens and it will be bipartisan reform. Ted Cruz and Taco John will not be consulted about what to do.
__________________
Where Ignorance is Bliss, 'Tis Folly to be Wise.

__
Posts: 6,968
jettio must have mowed badgirl's lawn.jettio must have mowed badgirl's lawn.jettio must have mowed badgirl's lawn.jettio must have mowed badgirl's lawn.jettio must have mowed badgirl's lawn.jettio must have mowed badgirl's lawn.jettio must have mowed badgirl's lawn.jettio must have mowed badgirl's lawn.jettio must have mowed badgirl's lawn.jettio must have mowed badgirl's lawn.jettio must have mowed badgirl's lawn.
  Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump




All times are GMT -6. The time now is 08:52 AM.


Powered by vBulletin® Version 3.8.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.