ObamaCare Rate Increase

[Spots]

Mine didn't increase by some miracle. Our plant is large enough and very proactive by putting in clinic, etc etc. They kept BCBS from raising everything but our deductible which went up $100. ACA needs to go though, it's crippling the middle class.

Sent from behind the anvil

[Dolomite_supafly]

Mine didn't increase by some miracle. Our plant is large enough and very proactive by putting in clinic, etc etc. They kept BCBS from raising everything but our deductible which went up $100. ACA needs to go though, it's crippling the middle class.

Sent from behind the anvil

Its crippling everyone except those politicians that were NOT required to have it or even read it.

[bersaguy]

Its crippling everyone except those politicians that were NOT required to have it or even read it.

               "even read it".

yea I can still see that :poop: eaten grin on Pelosi's face when Obama ask her what was in it and she said you will have to sign it to see whats in it and good ole stupid signed it like one of the good ole guys would do........................ :hiding: 

[Sam1]

You do realize that while governor of Massachusetts, he enacted "Romney Care", which was the model for what you are enjoying now on a national scale, right?

So, no. Not conservative enough would be the equivalent of what we have now, with the added benefit of Dems blaming Republicans for screwing things up.

What we ALL need to do is stop voting for who the Democrat controlled media tells us can win the general election and start voting our conscience.

As long as you let the Dems pick your primary candidate, you'll have hell beating them next November.

He said from the beginning that program would not work and was not designed to work on a national level. People seem to forget that part.

[gregintenn]

He said from the beginning that program would not work and was not designed to work on a national level. People seem to forget that part.

Politicians say a LOT of things. I judge them by their actions. I don't see it being all that great at a state level either.

[Sam1]

Politicians say a LOT of things. I judge them by their actions. I don't see it being all that great at a state level either.

 

Don't think I'm a fan at all of him or his policies, but if I owned a garden, I'd rather have a bucket full of manure than horse piss.

[seez52]

bcbt dropped me due to non compliant policy, had it for about 10 years. Premiums have increased so this year I was paying $775 for self wife and one dependent, $6k deductable. I received my options from the agent yesterday. The closest plan to what I've got this year is going to be around $1400 with a little higher deductible. So basically next year I'm looking at $17k in premiums and if I want to actually use the plan I'm into it for $23k. 

 

Looks like I'll be paying the penalty and using the ER like all the illegals.

[felinesNfreedom]

bcbt dropped me due to non compliant policy, had it for about 10 years. Premiums have increased so this year I was paying $775 for self wife and one dependent, $6k deductable. I received my options from the agent yesterday. The closest plan to what I've got this year is going to be around $1400 with a little higher deductible. So basically next year I'm looking at $17k in premiums and if I want to actually use the plan I'm into it for $23k. 

 

Looks like I'll be paying the penalty and using the ER like all the illegals.

 

 

Good Lord, Sorry to hear that. You are telling me those Illegals don't buy health insurance? How about pay taxes?

[gregintenn]

Don't think I'm a fan at all of him or his policies, but if I owned a garden, I'd rather have a bucket full of manure than horse piss.

I'm voting for someone who represents me. You don't share my views, you don't get my vote.

[Sam1]

I'm voting for someone who represents me. You don't share my views, you don't get my vote.

3,000,000 other people said the same thing in 2012 and now they're complaining because of what is going on.

[Oh Shoot]

3,000,000 other people said the same thing in 2012 and now they're complaining because of what is going on.

 

Though I gave a like, that oft touted "fact" by the right is simply not supported by the data as the difference in the election.

 

Indeed BHO got almost 4 million votes less than in '08, and Mitt got a million more than did McCain for just one thing, so I'm not sure where these phantom 3 million GOP votes are. And even if they did exist and were cast, the way they would have been spread around proportionally couldn't have changed more than one state, which wouldn't have been enough regardless.

 

Seems the data suggests that the biggest diff was in all the traditional Dem voters that stayed home.

 

- OS

Edited November 6, 2015 by Oh Shoot

[Sam1]

facts are irrelevant.  I am trying to get people to go vote. :)

[Oh Shoot]

facts are irrelevant.  I am trying to get people to go vote. :)

 

Well, certainly, turn out from the right could lose the election.

 

And it is a fact that the Dems generally get the vote out for presidental elections more so than does the GOP. Opposite is true for the midterms though, one reason the GOP does as well as it does in House and Senate.

 

- OS

[NextExit]

So it looks like United Health Care might drop out leaving TN with only two choices: BC/BS or Humana.  UHC is hoping for a bailout which we get to pay for.

 

http://nypost.com/2015/11/20/a-new-taxpayer-bailout-to-cover-up-obamacares-failure/

 

 

Without a bailout, more insurers will abandon ObamaCare, pushing it closer to its demise.

Problem is, there will be no demise... it will just morph into a single payer system.  That was the design from beginning. :shake:

[felinesNfreedom]

I got my letter from my insurance provider last week. We are getting about a 15% increase starting January. Still cheap compared to what some of you guys have posted but sucks to see if keep going up. Affordable Care Act................... 

[MacGyver]

We got new coverage for our family this week.  BCBS of TN cancelled our old policy which had been grandfathered in that famous, "if you like your doctor you can keep them" lie.  We had been paying about $500/month for decent coverage with an $11,000 deductible.  Basically, since our family is generally healthy, we know that we're paying for everything, and the insurance really only serves as a catastrophic backup.

 

Seems that this type coverage is the new norm, because after consulting with an advisor, we bought the same policy - albeit with a new "ACA compliant" label and paid right at twice as much for it.

 

Our agent had a good analogy from an automotive perspective- basically that I'm a good driver with a clean record, and there's another driver with 3 DUI's and 50 points on his record.  We're now paying the same thing for car insurance.

 

Now I've got another struggle as a small business owner, too.  All of this is definitely affecting my hiring plans for the new year.  I've got some real thinking to do...

[Dolomite_supafly]

Why not shop for unapproved insurance and just pay the fine. For some that has to be cheaper.

[Oh Shoot]

"Liking" your post didn't mean I'm liking your situation of course.

 

But the analogy of the car insurance is great. Since that actually does not happen in the auto insurance world, except for the relatively minimal extra cost of figuring in uninsured motorists shared by everyone,  it's pure economic socialism that it does happen in the health insurance world.

 

....

Our agent had a good analogy from an automotive perspective- basically that I'm a good driver with a clean record, and there's another driver with 3 DUI's and 50 points on his record.  We're now paying the same thing for car insurance.

 

- OS

[Oh Shoot]

Why not shop for unapproved insurance and just pay the fine. For some that has to be cheaper.

 

For a while, probably cheaper for most, except highest income earners, but goes up every year.

 

"In 2016, the Individual Shared Responsibility fee for not having insurance is $695 per adult and $347.50 per child (up to $2,085 for a family), or it’s 2.5% of your household income above the tax return filing threshold for your filing status – whichever is greater."

 

- OS

[MacGyver]

Why not shop for unapproved insurance and just pay the fine. For some that has to be cheaper.

That's something we looked at.  In our case it wouldn't be cheaper - especially when you consider the time cost in the equation.  Most of the "unapproved" plans renew every 90 days.  Basically, you're reapplying every 90 days - new deductible, the whole 9 yards.

 

"Liking" your post didn't mean I'm liking your situation of course.

 

But the analogy of the car insurance is great. Since that actually does not happen in the auto insurance world, except for the relatively minimal extra cost of figuring in uninsured motorists shared by everyone,  it's pure economic socialism that it does happen in the health insurance world.

 

 

- OS

 

When you look at it this way, you totally see the path to single payer.  And, it's a brilliant opening move. 

 

The sad thing about it is that the people whom the law is supposed to help aren't really consuming it anyway.  If you're making minimum wage, you don't have a lot of room in the budget for health insurance - regardless of the stipend.

 

My wife is fired up.  We're lucky that we're in a position that we're even having the conversation, but she's considered going back to work just to get insurance.

[Ugly]

As time passes, I am beyond baffled why in the world our government can force anyone to buy "insurance". It's obvious that the goal is to destroy private medical coverage but this is America, well, was America. 

Yet we do nothing just as the rino establishment. 

I am also baffled as to why people still follow the law, the Admin doesn't. Why bother? If It were my business in the link, I would ignore the gov jack booted thugs and wait for them to show up. The craps gonna hit the fan anyway, might as well race to the bottom. 

Under Obamacare, Small Business Owner Forced to Get Rid of Health Care Benefits or Face Fine Up to $500K

http://dailysignal.com/2016/05/30/under-obamacare-small-business-owner-forced-to-get-rid-of-health-care-benefits-or-face-fine-up-to-500k/?utm_source=TDS_Email&utm_medium=email&utm_campaign=Top5&mkt_tok=eyJpIjoiTkRZNU56UmpZMkU0T1RrMSIsInQiOiJQXC9rdzlqdkVCNmRDbHRpd1g3OGhEWERnbVlrdVM3NUcwczRqVlNuM1VVcXRXdVlhcml3K0xITk5zaFpleUp1U1FxeW90SHEwMmJVUXdtdGRpY1wvYVlpbDBEMnNuMHgxQmpMUVpRZkNyRDZQTmVYSXhLMnNCWmVKQWpTZzlRR29nIn0%3D

[94user]

My wife got a letter yesterday from BCBS alerting her they have proposed rates for 2017 that are significantly higher than this years. I looked it up, up to 62% higher!

[Chucktshoes]

Ouch! I just moved onto the exchanges a month ago. I'm not looking forward to having to deal with that mess. 

[btq96r]

2 hours ago, 94user said:

My wife got a letter yesterday from BCBS alerting her they have proposed rates for 2017 that are significantly higher than this years. I looked it up, up to 62% higher!

I got the same letter yesterday too, but the 62% is what they submitted to the state, so the actual number will be less...though how less is still up in the air.  The final numbers will be a negotiation as much about politics as it is about economics.  A 62% spike would have me paying $314 a month vice the $194 I pay now.  Still lower than others, and with my per-existing condition, the only way I've ever had insurance outside of the Army, and DBA covering me while I was a contractor overseas.

With BCBS, I'd guess their rate increase request is much higher than the others because their premiums were lower across the exchange (at least for me) when people compare plans.  With that, they got the most people (myself included) and found that once people had access to healthcare, they started using it and those enrollment numbers became as liability.  They're also probably upset that the government hasn't changed course about covering losses.  So, they need the massive rate increase to bring them back to where this market is actually at.

Politically, Democrats are worried about the timing of the final price roll-outs once the exchanges open for 2017 enrollment, since that happens a week before the election.

http://www.politico.com/story/2016/04/obamacare-rate-hikes-a-looming-political-headache-for-democrats-222663

[Omega]

On 6/4/2016 at 10:32 PM, Ugly said:

As time passes, I am beyond baffled why in the world our government can force anyone to buy "insurance". It's obvious that the goal is to destroy private medical coverage but this is America, well, was America. 

Yet we do nothing just as the rino establishment. 

I am also baffled as to why people still follow the law, the Admin doesn't. Why bother? If It were my business in the link, I would ignore the gov jack booted thugs and wait for them to show up. The craps gonna hit the fan anyway, might as well race to the bottom. 

Under Obamacare, Small Business Owner Forced to Get Rid of Health Care Benefits or Face Fine Up to $500K

http://dailysignal.com/2016/05/30/under-obamacare-small-business-owner-forced-to-get-rid-of-health-care-benefits-or-face-fine-up-to-500k/?utm_source=TDS_Email&utm_medium=email&utm_campaign=Top5&mkt_tok=eyJpIjoiTkRZNU56UmpZMkU0T1RrMSIsInQiOiJQXC9rdzlqdkVCNmRDbHRpd1g3OGhEWERnbVlrdVM3NUcwczRqVlNuM1VVcXRXdVlhcml3K0xITk5zaFpleUp1U1FxeW90SHEwMmJVUXdtdGRpY1wvYVlpbDBEMnNuMHgxQmpMUVpRZkNyRDZQTmVYSXhLMnNCWmVKQWpTZzlRR29nIn0%3D

Yea, my employer got the same guidance.  We used to get quarterly checks separately from our paychecks,  now it's structured differently and comes in with our paychecks and taxed.