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Thread: Obamacare insurance premium increase.

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    Featured Member baer45's Avatar
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    Default Trump's health insurance replacement is going to fail

    I just received my health insurance bill, it shows a 13% rate increase. I know obamacare is a failure, but this is crazy.
    I called the insurance company, and asked how much it will cost to purchase directly from the insurance company. and it turned out it will cost $25 less each month than purchase through obamacare network.
    So I was asked to pay $25 overhead fee and admin fee to obamacare people ontop of my actual insurance.
    Obama, lying POS.
    Last edited by baer45; 05-04-2017 at 04:26 PM.



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    Default Re: Obamacare insurance premium increase.

    It's ridiculous. Someone told me his premium went up to like $700 :o

    Mine isn't supposed to be bad relative to what I hear other people have... like $140... but still when I paid directly to BCBS it was like $70 AND had better deductibles.
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    Veteran Member RyanXO's Avatar
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    Default Re: Obamacare insurance premium increase.

    I ditched my health care last year. I am in Texas, so obviously Obamacare has been worse here because it is a red state. The first year of enrollment, I had a 100$ plan with a 500$ deductible. Last year, it jumped to 300$ (I couldn't get any subsidies because I "made too much") and get this... deductible was 6500!!! And it was an HMO not PPO! I needed surgery but couldn't get it because I would have to pay that 6500 out of pocket, then still pay 20% of the bill. I consider myself a moderate liberal but the ACA does not work. I am looking forward to it being gone.

    For shits and giggles, I looked on the marketplace this year, and all that is left are Medicaid-style plans that you have to drive to the ghetto clinics because only those places accept them.

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    Default Re: Obamacare insurance premium increase.

    Idk. Honestly I haven't had major health bills so the premiums alone are affordable for me.

    They've been messaging and sending letters (at least to me) that it's going to increase so it not new news. And with the new person in office getting rid of it soon it's going to be even costlier.

    Get your wallets (or your sugar daddies wallet) ready.

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    Default Re: Obamacare insurance premium increase.

    The real purpose of obamacare is to destroy the private practice of medicine, and place everything under the jurisdiction of the federal government. This business about it being of benefit to the populace was a ruse.

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    Default Re: Obamacare insurance premium increase.

    Or was it to destroy the insurance companies greed?

    I thought the purpose was to make sure more people had access to preventative health care so that uninsured wouldnt neglect their health causing costlier long term problems/run up bills they couldn't pay for and to have a system like other countries where everyone has access to health care.

    From what I understand this is the first time that many people who previously didn't have insurance could afford it. I don't understand why it's so expensive for some.

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    Veteran Member RyanXO's Avatar
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    Default Re: Obamacare insurance premium increase.

    Quote Originally Posted by miss.a.p1600 View Post
    I thought the purpose was to make sure more people had access to preventative health care so that uninsured wouldnt neglect their health causing costlier long term problems/run up bills they couldn't pay for and to have a system like other countries where everyone has access to health care.

    From what I understand this is the first time that many people who previously didn't have insurance could afford it. I don't understand why it's so expensive for some.
    Because there are still not enough young, healthy people buying into it to offset the costs of the poor and sick. (Don't get me wrong I really believe in helping the less-fortunate but Obamacare isn't helping things.)

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    Veteran Member RyanXO's Avatar
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    Default Re: Obamacare insurance premium increase.

    Quote Originally Posted by slowpoke View Post
    The real purpose of obamacare is to destroy the private practice of medicine, and place everything under the jurisdiction of the federal government. This business about it being of benefit to the populace was a ruse.
    Yep!!!!
    Socialized medicine might work in Sweden or Norway, but you have to keep in mind they have a much smaller population. I don't believe socialized medicine is feasible the in US. What needs to stop is the overcharging of everything. Luckily this was before Obamacare and I had good insurance but a scan to check for Appendicitis would have cost me 5k out of pocket. For a 20 second scan. Really.

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    God/dess whirlerz's Avatar
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    Default Re: Obamacare insurance premium increase.

    Well, TG I was able to get done what was needed, & prev denied..
    Not sure about this upcoming enrollement, my current plan's done as far as I'm concerned, they're turning into a shitty HMO AND raising the prem.
    The one broker I had is blowing me off, so I found another, we're going to meet mid month.

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    God/dess rickdugan's Avatar
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    Default Re: Obamacare insurance premium increase.

    Quote Originally Posted by miss.a.p1600 View Post
    They've been messaging and sending letters (at least to me) that it's going to increase so it not new news. And with the new person in office getting rid of it soon it's going to be even costlier.
    I'm not really sure where this belief comes from. My deductibles and copays jacked up dramatically the first year that the Obamacare mandates went into effect and my premiums have been jacking up every year since. Meanwhile, the number of doctors who accept my insurance have decreased dramatically. If I bang my head against a wall, I logically blame that act for my head pain. Saying "if you don't bang your head against the wall, your head is going to hurt even more" is kinda' counter-intuitive, no?

    The cost issues revolve around the various mandates, including the so-called "essential health benefits." Prior to Obamacare, I had a great family plan that cost around $1,000 per month for a family of 5, had low deductibles and co-pays, covered everything we needed and was accepted everywhere. It even included a great dental component for the whole family. One of the reasons that it was so "cheap" (relatively) is that it did not cover pregnancies or mental health services, which we were fine with since we were done having kids and have no ongoing mental health needs (if you don't count my natural derangement, lol). So 12k per year, plus another few hundred bucks in co-pays, took care of our medical needs for the year.

    The year that the mandates kicked in, my plan was discontinued. Today, just a few years later, I must instead pay $1,500 for a shitty plan with very high deductibles and higher co-pays in order to even have a plan that will be accepted by our doctors. Oh yeah, and the limited pediatric dental coverage is a joke because no pediatric dentist will accept it. So I pay $18k in premiums, came out of pocket for over $1k more in out-of-pocket and deductibles in 2016 and now have to pony up another $1,200 per year just for routine kids dental visits.

    So over 20k today in medical related costs today vs. 12k just a few years ago. This includes routine stuff and the occasional minor injuries that will be sustained by physically active kids who participate in various sports and events. And if one of us ever gets really sick and requires a hospital stay, then I will really get bent over the table for things that would have been much better covered under my old plan, so the financial disparity would be even greater.

    So +1 in the cheering squad for the repeal of Obamacare. I'm not saying that I want sick people not to receive needed care, but there has to be a more common sense approach to accomplishing that. The mandate filled monstrosity that exists now needs to go.

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    God/dess whirlerz's Avatar
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    Default Re: Obamacare insurance premium increase.

    Well, it sounds about where I now stand - in reverse. This past yr, I had a decent plan, a bit high but it covered (mostly) what I needed w/Dr & medical I needed.
    Now, same plan/co. they want like 400 a month more, cutting out above (I can live w changing Dr but I don't want to go to a crappy medical place) & making it like an HMO, I need to get a referrel after it's plain as day I need (one more visit) to said Dr?
    My one broker said I'm prob going to be stuck w/an HMO.
    So, I guess it depends what side of the 'fence' you're on.

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    God/dess rickdugan's Avatar
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    Default Re: Obamacare insurance premium increase.

    ^ Actually whirlez, if you were referring to my post, it sounds like we are in the exact same place. Every year the options get progressively worse while the costs continue to jack up.

    You were just able to keep a decent plan longer in your area than I was in mine, but sooner or later we are all forced into a shitty plan, especially if we do not qualify for subsidies. This is because the ratio of sick to healthy people actually buying these policies is just too high. Even at the jacked up rates, most of the insurance companies are taking losses on these plans now. In my area, there is only one insurer left in the individual marketplace as the others have jumped ship.

    The architects of Obamacare thought that they were very clever in trying to force healthy young people, among others, to subsidize treatment for the sick, along with maternity care and a whole host of other services for people who could not afford them. The government covers part of it with subsidies, but also expected part of the cost of paying for all of this to come out of the premiums of all the healthy people who would be forced to buy insurance. What they did not count on is just how expensive it would be to pay for all of these mandates, which is forcing insurers to make rates so expensive that many healthy people would rather pay the penalties.

    Even if repeal was not likely, the system is collapsing under its own weight. Many areas are now down to one viable insurer and some even have none. Whether Trump was elected or not, eventually something was going to have to be done.
    Last edited by rickdugan; 12-09-2016 at 09:17 AM.

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    Default Re: Obamacare insurance premium increase.

    So what is your solution to the common sense approach to quality affordable healthcare?

    And yearly rising costs is inevitable just based on inflation alone. Everything - from education to housing to food to medical care -cost more today than it did say 10, 15 years ago. Most of the people on this thread are very fortunate and can still afford insurance and medical care despite slight rises.

    Healthcare costs/insurance issues/etc have been a long standing issue for this country so I'd like to know what do you propose as the solution?

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    God/dess rickdugan's Avatar
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    Default Re: Obamacare insurance premium increase.

    ^ There is nothing affordable about Obamacare, at least for anyone who does not qualify for subsidies. Shit, even for those who do qualify for subsidies, many cannot afford to actually use the insurance because of the deductibles. It has been the worst of all worlds for a lot of people.

    My actual medical related expenses have gone up 67% in a 3 year timeframe, with a chunk of that coming from rate increases and the rest from "hide the ball" increases in deductibles and co-pays. The same holds true for just about anyone who has been in the individual marketplace over the same timeframe. I shouldn't need to point this out, but customary inflation doesn't come anywhere close to accounting for those types of increases.

    The new administration seems to believe that they have viable alternatives that will accomplish the goal of ensuring that sick people get treatment without this monstrously expensive mandate ridden approach. One idea that is floating around is a further expansion of the Medicaid program to those who are sick and cannot afford treatment. Proponents of this option point out the the existing Medicaid infrastructure is far more efficient and cost-effective than Obamacare. Other options are being floated as well. How good these options are remains to be seen, but we need to try something different as this system is just not sustainable.

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    Default Re: Obamacare insurance premium increase.

    Thanks for explaining. No i wasn't trying to minimize your cost increases. All I saw was your increase from $1000 to $1500. And someone else mentioned a 13% increase for them. I was just saying that it's not reality to not have slight price increase with time. My definition of slight would be 10% or less given inflation is somewhere between 1-4%

    I rarely use the insurance and have been very thankful in that sense but I realize others have different experiences. My current insurer is no longer going to be on the gov system so I am forced to find a new plan and I'm sure it's going to cost more.

    I'll report back on the increased amount.

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    Default Re: Obamacare insurance premium increase.

    Well, even an increase from 1,000 to 1,500 per month is a 50% increase over three years, even if there weren't other hidden increases via co-pays and deductibles. But I do agree that some increases are inevitable. I also understand where you are coming from if you do not use it much.

    I really didn't want to disclose so much about my finances, but I thought it was important to show a clear picture of what Obamacare has meant for people who are healthy and do not qualify for subsidies. This is why so few people who fall into the healthy/unsubsidized category are actually buying the insurance, which in turn is why the system is collapsing.

    I'll be honest in saying that we are sorely tempted to dump our policy in 2017 as well. Seriously now, for 2017 I am about to pay $19,000 in premiums alone for a policy that really doesn't cover jack shit except for a handful of routine well visits. Seriously now, with the deductibles and co-pays, we are lucky to net back $1,500 of that in covered services and that is only because the deductible is waived on primary care office visits. By our estimates, even after the penalty and factoring in the loss of certain group discounts on covered services, we could easily save $11,000 next year by moving to cash only. The only thing that may prevent me from pulling the trigger is the potential loss of access to good hospitals if any of my kids get seriously sick or hurt, but again I am very sorely tempted.

    Anyway, I've taken up enough space in this thread, so I will just wish each of you good luck as you plan your own health coverage for 2017.

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    Default Re: Obamacare insurance premium increase.

    Even my employer sponsored plan has gone to hell. It used to be awesome but this summer they changed it to a really shitty HMO for everyone and my new GP can't get me in for a new patient appointment until May or June of 2017 and won't give me a referral for a specialist until then. After my finals are done I'm going to call atena to see if I can get an exemption of some kind.

    I would drop my insurance but it's required by my employer to be insured. I can't drop until i already have coverage somewhere else.
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    Veteran Member RyanXO's Avatar
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    Default Re: Obamacare insurance premium increase.

    Quote Originally Posted by rickdugan View Post
    The new administration seems to believe that they have viable alternatives that will accomplish the goal of ensuring that sick people get treatment without this monstrously expensive mandate ridden approach. One idea that is floating around is a further expansion of the Medicaid program to those who are sick and cannot afford treatment. Proponents of this option point out the the existing Medicaid infrastructure is far more efficient and cost-effective than Obamacare. Other options are being floated as well. How good these options are remains to be seen, but we need to try something different as this system is just not sustainable.
    I've always been an advocate of expanding Medicaid. The government has to end up paying anyways when the poor are stuck going to the ER for a cold.

    Yes, the high deductibles are laughable. Like I said above mine would have been 6500$ out of pocket. Then after that I would have to pay 20% of the remaining cost. Being that you have kids that is a sticky situation, indeed. I feel bad for you and other families stuck in this crap. I feel more fortunate that I am single and I am going to just risk it. I have never had any health problems. But with kids, even if they are healthy, they can have broken bones, etc. It really sucks I'm hoping this will be repealed soon. The only thing I want to see stay is that a person cannot be denied for pre-existing conditions.

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    Default Re: Obamacare insurance premium increase.

    Quote Originally Posted by lynn2009 View Post
    Even my employer sponsored plan has gone to hell. It used to be awesome but this summer they changed it to a really shitty HMO for everyone and my new GP can't get me in for a new patient appointment until May or June of 2017 and won't give me a referral for a specialist until then. After my finals are done I'm going to call atena to see if I can get an exemption of some kind.

    I would drop my insurance but it's required by my employer to be insured. I can't drop until i already have coverage somewhere else.
    That's what's so offensive is that we are FORCED to pay for something that doesn't work, or else pay a fine, have to quit a job, etc. I don't think any PPOs exists anymore except for very large companies or the medical field. There is one left here in Texas under Baylor Scott and White, but their PPO would cost 500/month with 7500 deductible. I am not even exaggerating.

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    Default Re: Obamacare insurance premium increase.

    Quote Originally Posted by RyanXO View Post
    That's what's so offensive is that we are FORCED to pay for something that doesn't work, or else pay a fine, have to quit a job, etc. I don't think any PPOs exists anymore except for very large companies or the medical field. There is one left here in Texas under Baylor Scott and White, but their PPO would cost 500/month with 7500 deductible. I am not even exaggerating.
    Non profit employers have always required insurance (to my knowledge).
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    Default Re: Obamacare insurance premium increase.

    One thing I also liked about my plan previously, the co. had serveral of its own clinics, they were all newly built. They had unlimited visits incl in the prem cost..I went there 3 X this past yr, twice for an upper resp infection, & for my flu shot.

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    Featured Member baer45's Avatar
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    Default Re: Obamacare insurance premium increase.

    It's not about obamacare anymore.
    Last edited by baer45; 09-14-2017 at 05:32 PM.



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    Default Re: Obamacare insurance premium increase.

    Quote Originally Posted by lynn2009 View Post
    Non profit employers have always required insurance (to my knowledge).
    Didn't know that.

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    Default Re: Obamacare insurance premium increase.

    Before Obamacare, I was seeing health care increases for group health insurance plans running from 9 - 12% per year. The problem being if the group had some particularly unhealthy members, increases could become huge in a given year. To combat this, some bigger groups went to a self-insured model. When I bought my company, one of the first changes I made was to disclose to employees what the group insurance plan cost us and what I was going to pay. Because our workforce is on the younger side, we have not taken too much of a hit. I do budged for a 12% annual increase in health insurance costs. Then, when the actual bids come back I'm usually pleased. Last year our rate increase was only 11%. Of course, the rate of inflation was only 3%. So, the insurance companies, the docs and the hospitals were doing better than the market. This year, our "insurance consultant" is warning that our cost will go up on the order of 15%. If Obama has any questions about why I voted against his chosen successor, he can read the above.

    If government wanted to do something about delivering healthcare to more people, they would forget about insurance and making insurance companies rich. They would change the rules for hospitals, doctors and drug companies. Three quick changes:
    1. Every hospital with an emergency room must have a walk in clinic. Anyone presenting at the ER with a non-life threatening case gets sent to the walk in clinic and seen by a nurse practitioner. Walk in clinic will be required to take all insurances, no matter what the carrier and bill them at the lowest rate. All uninsured patients at the walk in will be billed at the lowest negotiated rate and that bill will first go to the hospital's charity care fund. If the fund is exhausted, then to the county for payment from the indigent care account, if that fund exhausted, the hospital will simply have to write off the bill. Hospital will still make money as they won't be using higly expensive ER staff, facilities and equipment for what amounts to routine cases. The emergency department will take only life threatening cases, again without question of ability to pay. They will follow the same payment schedule as the walk in clinic, but of course at higher dollar rates because they are treating more difficult cases.

    2. Doctors will have to cut their pay by essentially agreeing that the lowest reimbursement rate is all they will ever get. Essentially doctors will engage in a race to the bottom on rates. Anytime an insurer negotiates a lower rate, all rates fall to that new low. It's called competition. Unbirdled, free market competition.

    3. Pharmaceutical companies need some patent protection on new medications to encourage development. They will get seven years. But, after that, all their work becomes public domain and can be copied by anyone with a pharmaceutical license. The FDA will have to stop protecting big pharma and start approving procedures, techonologies and medications quickly. Any procedure, technology or medication approved in western europe, Canada, or Japan shall be automatically approved in the U.S.A.

    HTH
    Z

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    Default Re: Obamacare insurance premium increase.

    Constructive criticism of the presidents policies is one thing but you all calling people fuckers and pieces of shit is overboard. THIS is why political topics get locked.

    We are supposed to be mature adults and vulgar name calling is immature and yes you come off looking like you have racist tendencies when you do that.

    Stick to facts only. Name calling is weak and wack.

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