Even More Obamacare Follies

#876
#876
lawgator1 said:
Enrollment is going up. By a lot. The numbers don't lie.

Anecdotally my sister logged in to signup Sunday and was given a range of 61 plans, with better benefits and price than available to her before.
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Lol ...Hope she has life lock .
 
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#877
#877
it's premiums combined with deductibles and out-of-pocket expenses. Does that 25yo guy in Nashville making $25k have the ability to fork out $6k for a procedure?
 
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#878
#878
Thrasher865 said:
Yeah... I checked back when it first went live, and my premium would be significantly less than what I'm paying through my employer, and that's unsubsidized.

So all the stories about the premiums being wildly more than they were prior are blown way out of proportion, I think. But we believe what we choose to believe.
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What about deductibles? A low premium is only good if you don't use it.
 
#883
#883
Thrasher865 said:
Yeah... I checked back when it first went live, and my premium would be significantly less than what I'm paying through my employer, and that's unsubsidized.

So all the stories about the premiums being wildly more than they were prior are blown way out of proportion, I think. But we believe what we choose to believe.
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my plan doesnt cover pregnancy since we cant get pregnant anymore. Therefore my plan will be canceled. Obamacare plans force pregnancy coverage therefore it will be much more expensive than a plan that doesnt cover pregnancy. There is probably 5-10 million people with plans like mine
 
#884
#884
Thrasher865 said:
My plan now has a $2500 deductible and $8k OOPM
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Thats basically my current plan for my family and we pay $350 a month. Its a great plan, we like our plan, we want to keep our plan. A similar plan under 0bamacare is $850 per month. Thats $500 more per month.

Im supposed to pony up an extra $6000 a year and be cool with it? Remember there are millions like me.
 
#885
#885
Thrasher865 said:
Yeah... I checked back when it first went live, and my premium would be significantly less than what I'm paying through my employer, and that's unsubsidized.

So all the stories about the premiums being wildly more than they were prior are blown way out of proportion, I think. But we believe what we choose to believe.
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I went from 90/10 no deductible. No copay

Now after first. 70/30 2500 deductible with copay.
Oh and additional 147 bucks a month to premium.
 
#886
#886
Thrasher865 said:
So all the stories about the premiums being wildly more than they were prior are blown way out of proportion, I think. But we believe what we choose to believe.
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In many cases I think insurers or employers are using the law as an excuse to pass along increases, just because.

Still, there are clearly losers under the law. I think it will take a year or two for the dust to settle enough to fairly assess it.
 
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#887
#887
Velo Vol said:
In many cases I think insurers or employers are using the law as an excuse to pass along increases, just because.
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I doubt this is the case. Insurance companies are being mandated to expand their risk pool and expand all of their plans to cover more procedures. The costs are going to be higher.

Just as if you wanted to buy an entry level Honda Accord and government told Honda they are only allowed to sell Honda's with a V6 engine, leather, premium sound system, and sunroofs. Honda would have to charge you more for the car.
 
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#888
#888
Velo Vol said:
In many cases I think insurers or employers are using the law as an excuse to pass along increases, just because.

Still, there are clearly losers under the law. I think it will take a year or two for the dust to settle enough to fairly assess it.
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What other choices do they have when the government mandates greater costs for them?
 
#889
#889
I was informed that if the employer mandate had not been extended my employer was just going to pay the penalty. There is absolutely no way the marketplace would have been anything but way more out of my pocket.

Next year should be a real awesome.
 
#890
#890
Velo Vol said:
In many cases I think insurers or employers are using the law as an excuse to pass along increases, just because.

Still, there are clearly losers under the law. I think it will take a year or two for the dust to settle enough to fairly assess it.
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What is your evidence for this and what do you mean by "many cases"?

If we have to wait to fairly assess it shouldn't we wait before accusing insurers of price gouging?
 
#891
#891
Velo Vol said:
In many cases I think insurers or employers are using the law as an excuse to pass along increases, just because.

Still, there are clearly losers under the law. I think it will take a year or two for the dust to settle enough to fairly assess it.
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How do they do that with the new 80/20 rule?
 
#892
#892
lawgator1 said:
Enrollment is going up. By a lot. The numbers don't lie.

Anecdotally my sister logged in to signup Sunday and was given a range of 61 plans, with better benefits and price than available to her before. And shortly after 61 hackers had her SS# and countless other pieces of personal information. I guess there is give and take in everything.
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.
 
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#893
#893
lawgator1 said:
Enrollment is going up. By a lot. The numbers don't lie.
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they have to go up. by a lot.

So far, this thing is still poised to be a net loss of insurance program at the start of the year.

Even if the admin's early projections of 7 million by March were true (which they won't be) that would still only be a net gain of insured by 2 million.

wonder if the administration with report net insured numbers? Doubtful.
 
#894
#894
volinbham said:
they have to go up. by a lot.

So far, this thing is still poised to be a net loss of insurance program at the start of the year.

Even if the admin's early projections of 7 million by March were true (which they won't be) that would still only be a net gain of insured by 2 million.

wonder if the administration with report net insured numbers? Doubtful.
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It'll be website hits by then
 
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#896
#896
Oh boy

Health-care enrollment on Web plagued by bugs - The Washington Post

The enrollment records for a significant portion of the Americans who have chosen health plans through the online federal insurance marketplace contain errors — generated by the computer system — that mean they might not get the coverage they’re expecting next month.

The errors cumulatively have affected roughly one-third of the people who have signed up for health plans since Oct. 1, according to two government and health-care industry officials. The White House disputed the figure but declined to provide its own.
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The errors, if not corrected, mean that tens of thousands of consumers are at risk of not having coverage when the insurance goes into effect Jan. 1, because the health plans they picked do not yet have accurate information needed to send them a bill. Under the 2010 law designed to reshape the health-care system, consumers are not considered to have coverage unless they have paid at least the first monthly insurance premium.
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From the comments section :)

So what is everyone doing with their extra $2500 in savings from health care insurance next year? I'm gonna get a unicorn and a rainbow.
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#897
#897
vols4sure said:
How do they do that with the new 80/20 rule?
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That doesn't apply to employers asking for bigger employee contribution.

As for insurers, who knows? I'd be interested in knowing how they go about projecting rates with all the changes taking place (dropping per-existing condition exclusions, etc.).
 
#899
#899
Velo Vol said:
That doesn't apply to employers asking for bigger employee contribution.

As for insurers, who knows? I'd be interested in knowing how they go about projecting rates with all the changes taking place (dropping per-existing condition exclusions, etc.).
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Why shouldn't the employer ask for a bigger contribution from the employee? Do you think the employer should just eat the additional cost?

The insurers use actuaries for this.
 
#900
#900
hog88 said:
Why shouldn't the employer ask for a bigger contribution from the employee? Do you think the employer should just eat the additional cost?

The insurers use actuaries for this.
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I just wonder why increases are so dramatic from year to year.
 
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