GOP won't promise ObamaCare fix will cover all

[Flopper]

If they scrap it which is fine, keep the pre existing conditions part and kids on policies until age 26. Those make total sense. Then sit down and figure a new system out. Perhaps telling big pharma to reel in their costs is a start. Everyone wants to rail on the govt, but private industry for some reason should not be touched. I say bull to that.

You don't get that's part of why premiums are so high.

For most people, premiums have not increased any faster since the ACA went into effect than prior to it. 50% of American get their insurance through their employer where the average family plan premium has risen at only 3%/year. 39% get of the insured get their insurance through Medicaid and Medicare where premiums are not effected by the ACA. The remain 11% get individual policies through the healthcare exchanges or other sources. These premiums paid after any subsidy have had small to huge increases depending on family income and region. Thus less than only 1 in every 10 families have had large increases in premiums.

If Republicans concentrate on lowering premiums, they'll be missing the ball. The problem most people have is higher deductibles, coinsurance, and copays, particular in individual policies which are the result of increased coverage of plans, higher medical costs of covering sicker people and providing additional coverage required by law.
http://www.nytimes.com/2016/10/26/upshot/rising-obamacare-rates-what-you-need-to-know.html

Yeah that's nice quoting a liberal rag that tried to cover for Hillary through the election and gave her a 95% chance of winning.

Reality is somewhat different.

Obamacare premiums to soar 22% on average

www.thefiscaltimes.com/2016/10/19/Obamacare-Rate-Hikes-2017-Even-Bigger-Expected

It’s official: Double-digit rate hikes for Obamacare

New York times can say anything they want.

They can't hide the rate increases and there are reasons for them.

One of the big ones is no pre-existing conditions and keeping kids to age 26 on their policies.

Those are nice goals, I'm not against keeping those. But reality has to set in some time and reality is, that's part of the reason insurance has become so expensive and if you want it competitive again, then reality has to come back to insurance.

Who's premiums are increasing 22%, not the 50% of the people who are covered by their employer's plan, and not the 39% that are covered by Medicare and Medicaid. This projected 22% increase is for silver policies sold on the exchange which will effect less 10% of the insured.

Of the 39 states that have reported projected premiums for silver plan polices sold on the exchanges, the average projected increase is 22%. As in the past, actual premium increases will be far less than the projected increases. Just look at 2016. Projections were 18%. The actual average was 10.6% and the weighted average was only 3.6%. However what people are interested in is what they have to pay after subsidies which was an average on -.7% decrease.

Analysis of 2016 Premium Changes in the Affordable Care Act’s Health Insurance Marketplaces

Those claims about premium increases ignore the fact that Obamacare is almost worthless. When you have a $6500 deductible per family member, and it doesn't cover your prescriptions, what good is it?

All plans on healthcare.gov have prescription coverage. The average deductible for silver plans on healthcare.gov is $3,110 for a 30 year old. The average premium before subsidies is is $312 and $284 after subsidies. The cap on out of pocket cost is $6110. Above that, all medical expenses are paid with no limit. That is not worthless coverage.

In 2007, before Obamacare, when preexisting conditions was used in individual plans to filter out customers likely to have high medical costs, the average premium of a individual policy was $158/mo. The average individual deducible was $1972.

In 2007, individual plans had far less coverage than plans today. Only 24% of the plans had maternity coverage. 16% of the plans had no drug coverage. 30% of the plans had no chiropractic coverage. 20% of the plans had no mental healthcare coverage. Essential all plans had lifetime maximums and half the plans had yearly maximums. There was a wide variation in preventive care coverage. Some plans included nothing and others include most of the current preventive care in Obamacare but essential none include all the preventive care in current plans.

Although individual healthcare plans prior to Obamacare had far more benefit choices than those today and thus greater variations in premiums, comparing plans was almost impossible because of variation in coverage between plans. Even when the benefit plan summary was the same, in 1/3 of the states the actually contracts could be quite different. Today, the law prevents insurer from putting loopholes in the contract that allow insurers to deny coverage.

Although individual plans today are more expensive and have a higher deductible they have much more coverage and are available to everyone, not just the most healthy.

Silver Health Insurance Plans
http://www.ehealthinsurance.com/content/expertcenterNew/eHealthCBreport2008FINAL.pdf

 

[bripat9643]

You don't get that's part of why premiums are so high.

For most people, premiums have not increased any faster since the ACA went into effect than prior to it. 50% of American get their insurance through their employer where the average family plan premium has risen at only 3%/year. 39% get of the insured get their insurance through Medicaid and Medicare where premiums are not effected by the ACA. The remain 11% get individual policies through the healthcare exchanges or other sources. These premiums paid after any subsidy have had small to huge increases depending on family income and region. Thus less than only 1 in every 10 families have had large increases in premiums.

If Republicans concentrate on lowering premiums, they'll be missing the ball. The problem most people have is higher deductibles, coinsurance, and copays, particular in individual policies which are the result of increased coverage of plans, higher medical costs of covering sicker people and providing additional coverage required by law.
http://www.nytimes.com/2016/10/26/upshot/rising-obamacare-rates-what-you-need-to-know.html

Yeah that's nice quoting a liberal rag that tried to cover for Hillary through the election and gave her a 95% chance of winning.

Reality is somewhat different.

Obamacare premiums to soar 22% on average

www.thefiscaltimes.com/2016/10/19/Obamacare-Rate-Hikes-2017-Even-Bigger-Expected

It’s official: Double-digit rate hikes for Obamacare

New York times can say anything they want.

They can't hide the rate increases and there are reasons for them.

One of the big ones is no pre-existing conditions and keeping kids to age 26 on their policies.

Those are nice goals, I'm not against keeping those. But reality has to set in some time and reality is, that's part of the reason insurance has become so expensive and if you want it competitive again, then reality has to come back to insurance.

Who's premiums are increasing 22%, not the 50% of the people who are covered by their employer's plan, and not the 39% that are covered by Medicare and Medicaid. This projected 22% increase is for silver policies sold on the exchange which will effect less 10% of the insured.

Of the 39 states that have reported projected premiums for silver plan polices sold on the exchanges, the average projected increase is 22%. As in the past, actual premium increases will be far less than the projected increases. Just look at 2016. Projections were 18%. The actual average was 10.6% and the weighted average was only 3.6%. However what people are interested in is what they have to pay after subsidies which was an average on -.7% decrease.

Analysis of 2016 Premium Changes in the Affordable Care Act’s Health Insurance Marketplaces

Those claims about premium increases ignore the fact that Obamacare is almost worthless. When you have a $6500 deductible per family member, and it doesn't cover your prescriptions, what good is it?

All plans on healthcare.gov have prescription coverage. The average deductible for silver plans on healthcare.gov is $3,110 for a 30 year old. The average premium before subsidies is is $312 and $284 after subsidies. The cap on out of pocket cost is $6110. Above that, all medical expenses are paid with no limit. That is not worthless coverage.

In 2007, before Obamacare, when preexisting conditions was used in individual plans to filter out customers likely to have high medical costs, the average premium of a individual policy was $158/mo. The average individual deducible was $1972.

In 2007, individual plans had far less coverage than plans today. Only 24% of the plans had maternity. 16% of the plans had no drug coverage. 30% of the plans had no chiropractic coverage. 20% of the plans had no mental healthcare coverage. Essential all plans had lifetime maximums and half the plans had yearly maximums. There was a wide variation in preventive care coverage. Some plans included nothing and others include most of the current preventive care in Obamacare but essential none include all the preventive care in current plans.

Although individual healthcare plans prior to Obamacare had far more benefit choices than those today and thus greater variations in premiums, comparing plans was almost impossible because of variation in coverage between plans. Even when the benefit plan summary was the same, in 1/3 of the states the actually contracts could be quite different. Today, the law prevents insurer from putting loopholes in the contract that allow insurers to deny coverage.

Although individual plans today are more expensive and have a higher deductible they have much more coverage and are available to everyone, not just the most healthy.

Silver Health Insurance Plans
http://www.ehealthinsurance.com/content/expertcenterNew/eHealthCBreport2008FINAL.pdf

Hmm, yeah, that's why the last time I got prescriptions renewed under my Obama plan the cost for Levimir alone was $500. That's the full price.

Obamacare sucks. I know because I had an Obamacare plan.

The so-called "cost" of Obamacare plans you posted is irrelevant since you ignore the fact that the deductible per family member is $6500. That kind of "insurance" is worthless. You are comparing apples and oranges: the cost of worthless insurance vs. the cost of real insurance.

 

[Flopper]

For most people, premiums have not increased any faster since the ACA went into effect than prior to it. 50% of American get their insurance through their employer where the average family plan premium has risen at only 3%/year. 39% get of the insured get their insurance through Medicaid and Medicare where premiums are not effected by the ACA. The remain 11% get individual policies through the healthcare exchanges or other sources. These premiums paid after any subsidy have had small to huge increases depending on family income and region. Thus less than only 1 in every 10 families have had large increases in premiums.

If Republicans concentrate on lowering premiums, they'll be missing the ball. The problem most people have is higher deductibles, coinsurance, and copays, particular in individual policies which are the result of increased coverage of plans, higher medical costs of covering sicker people and providing additional coverage required by law.
http://www.nytimes.com/2016/10/26/upshot/rising-obamacare-rates-what-you-need-to-know.html

Yeah that's nice quoting a liberal rag that tried to cover for Hillary through the election and gave her a 95% chance of winning.

Reality is somewhat different.

Obamacare premiums to soar 22% on average

www.thefiscaltimes.com/2016/10/19/Obamacare-Rate-Hikes-2017-Even-Bigger-Expected

It’s official: Double-digit rate hikes for Obamacare

New York times can say anything they want.

They can't hide the rate increases and there are reasons for them.

One of the big ones is no pre-existing conditions and keeping kids to age 26 on their policies.

Those are nice goals, I'm not against keeping those. But reality has to set in some time and reality is, that's part of the reason insurance has become so expensive and if you want it competitive again, then reality has to come back to insurance.

Who's premiums are increasing 22%, not the 50% of the people who are covered by their employer's plan, and not the 39% that are covered by Medicare and Medicaid. This projected 22% increase is for silver policies sold on the exchange which will effect less 10% of the insured.

Of the 39 states that have reported projected premiums for silver plan polices sold on the exchanges, the average projected increase is 22%. As in the past, actual premium increases will be far less than the projected increases. Just look at 2016. Projections were 18%. The actual average was 10.6% and the weighted average was only 3.6%. However what people are interested in is what they have to pay after subsidies which was an average on -.7% decrease.

Analysis of 2016 Premium Changes in the Affordable Care Act’s Health Insurance Marketplaces

Those claims about premium increases ignore the fact that Obamacare is almost worthless. When you have a $6500 deductible per family member, and it doesn't cover your prescriptions, what good is it?

All plans on healthcare.gov have prescription coverage. The average deductible for silver plans on healthcare.gov is $3,110 for a 30 year old. The average premium before subsidies is is $312 and $284 after subsidies. The cap on out of pocket cost is $6110. Above that, all medical expenses are paid with no limit. That is not worthless coverage.

In 2007, before Obamacare, when preexisting conditions was used in individual plans to filter out customers likely to have high medical costs, the average premium of a individual policy was $158/mo. The average individual deducible was $1972.

In 2007, individual plans had far less coverage than plans today. Only 24% of the plans had maternity. 16% of the plans had no drug coverage. 30% of the plans had no chiropractic coverage. 20% of the plans had no mental healthcare coverage. Essential all plans had lifetime maximums and half the plans had yearly maximums. There was a wide variation in preventive care coverage. Some plans included nothing and others include most of the current preventive care in Obamacare but essential none include all the preventive care in current plans.

Although individual healthcare plans prior to Obamacare had far more benefit choices than those today and thus greater variations in premiums, comparing plans was almost impossible because of variation in coverage between plans. Even when the benefit plan summary was the same, in 1/3 of the states the actually contracts could be quite different. Today, the law prevents insurer from putting loopholes in the contract that allow insurers to deny coverage.

Although individual plans today are more expensive and have a higher deductible they have much more coverage and are available to everyone, not just the most healthy.

Silver Health Insurance Plans
http://www.ehealthinsurance.com/content/expertcenterNew/eHealthCBreport2008FINAL.pdf

Hmm, yeah, that's why the last time I got prescriptions renewed under my Obama plan the cost for Levimir alone was $500. That's the full price.

Obamacare sucks. I know because I had an Obamacare plan.

The so-called "cost" of Obamacare plans you posted is irrelevant since you ignore the fact that the deductible per family member is $6500. That kind of "insurance" is worthless. You are comparing apples and oranges: the cost of worthless insurance vs. the cost of real insurance.

It's only worthless if you are fool and think that you and your family are immune to catastrophic medical problems that can cost your family hundreds of thousands of dollars in just weeks.

Actually, the plans on healthcare.gov are real insurance. Health insurance was created to pay medical costs that we could not otherwise pay. It was not created to pay for routine healthcare and little emergencies that we all face.

 

[Dont Taz Me Bro]

GOP won't promise ObamaCare fix will cover all

How many Americans left without coverage will Republicans find unacceptable? Half? Three quarters?

I'm fine with all of them

 

[sartre play]

not on ACA, never was, but been ripped & raped by ins co. Huge increases, less benefits. some one needs to find a plan so that hard working people in the hundreds of thousands don't go bankrupt every year because of medical costs.

 

[Zander]

Obamacare is a colossal failure based on a huge lie. . It has done nothing to slow the cost of insurance.

You can't keep your plan and you can't keep your doctor. You get a lot less, for a lot more money. The only "winners" are the insurance industry.

It's passing and implementation has been a huge FUCK YOU to all Americans.

It's time to toss this pile of shit in the dust heap of history along with it's namesake, the effeminate pansy , Barack Obama.

 

[WillReadmore]

Having everyone covered is not a right. It is, however, good economics.

Who do you think is paying for it when millions have to use the ER for their primary care?

Who do you think is paying for it when minor health conditions deteriorate into major health conditions because the patient can't afford access to preventive and diagnostic care?

Who do you think is paying for it when people with HSAs can't pay the high deductible on their plan (also an issue with the stupid ACA plan)?

Who do you think is paying for the inefficiencies of a health care "system" (ha) that has SEVEN (7) different delivery/payment structures, NONE of which work directly with the other?

We don't HAVE to mindlessly knee-jerk away from having the government involved in something because we're politically obligated to; it's something we CHOOSE to do.
.

Who is paying for it depends on the area, or state in which you live. Kaiser took on all the free money they could get back when they sold out. The place turned into a literal medical shithole within a few short years. It must have been 'good economics' for them.

The big insurance companies just like all other profit driven beasts put as much cost as they can onto the taxpayer or someone else in order to keep their profit margins up. I do not consider that 'good economics' for the taxpayer although for the shareholders, owners and managers of those companies its probably good for them.

Personally I know the insurance company who covered the employer where I worked when I was covered in their chemicals spent a whole hell of a lot more attempting to cover up what happen than it would have cost to actually just take care of me when that all went down. They assisted in causing more health issues by sending me to a known psychopath druggy doctor. Instead of trying to mitigate the physical damages caused by the chemicals that ass tried to push his drugs on me. Upon refusing his drugs for being chemically poisoned it was claimed that I refused medical treatment. So if patients are not totally dense and ignorant sheeple they are just used as fodder to help feed the beast.

In a case of a person we knew fairly well the taxpayer also footed the bill for medical negligence after being maltreated for a WC injury. Poor soul was sent through hell as the WC carrier refused to take responsibility and the same incompetent medical firm that screwed the guy up put him in and out of their hospital system all while filing and collecting off of his disability insurance (SSI). That all started from a broken toe. Before it was all said and done his whole leg was taken off (That took awhile as it went off in pieces per doc instructions).
^^ the good thing that came from knowing about that and what took place at that hospiital care facility was I was able to get my son to get away from that shithole before they did a very similar type thing to him (same type of bs infection caught at that same faciliity) Son's income and insurance looked really good to those creeps up there.

The problem is not just people going into emergency rooms for sniffles. It runs a hell of a lot deeper than that.

You've made some harsh charges on insurance companies here.

You should cite something that supports your charges.

Like with the reason for auto insurance requirements, citizens aren't in a position to pay for health care purely on an as-needed basis, because the costs are just far too high for that.

The result is that we need some sort of system that keeps citizens from declaring bankruptcy or just dying. (The largest reason for bankruptcy prior to the ACA was health care.) And, we can not afford to serve people's health by using our ERs - the most expensive health care we have. Having tax payers support ERs is not a solution. And, having hospitals distribute their ER costs to all who use the hospitals just leads to $100 aspirin tablets and even less affordable service for those who need the hospital. We saw these problems before the ACA.

 

[WillReadmore]

not on ACA, never was, but been ripped & raped by ins co. Huge increases, less benefits. some one needs to find a plan so that hard working people in the hundreds of thousands don't go bankrupt every year because of medical costs.

Amen.

EVERY other industrialized nation does this.

We can, too. For example, we could find the best of what these other countries do and tune it for America.

 

[WillReadmore]

Obamacare is a colossal failure based on a huge lie. . It has done nothing to slow the cost of insurance.

You can't keep your plan and you can't keep your doctor. You get a lot less, for a lot more money. The only "winners" are the insurance industry.

It's passing and implementation has been a huge FUCK YOU to all Americans.

It's time to toss this pile of shit in the dust heap of history along with it's namesake, the effeminate pansy , Barack Obama.

Your graph shows a straight line increase - NOT a jump related to the ACA.

There were parts of the ACA that targeted price cutting, but they were cut when congress had to ensure that every single crazy left wing Dem would vote for it. Those modifications could still be added. Plus, our experience with the ACA allows us to figure out other ways to improve pricing.

But, I don't believe that is the big change that can be made to your graph.

For that, we're going to have to consider what has caused other nations to be so much more successful than we have been.

Or, we're going to have to decide that we can simply deny health care to those who are sick or who can't afford coverage in order to offer cheap insurance to the rest. To me, that makes no more sense than allowing people who can't afford food and housing to simply die - something no industrialized nation has accepted as legitimate treatment of their citizens.

 

[WillReadmore]

For most people, premiums have not increased any faster since the ACA went into effect than prior to it. 50% of American get their insurance through their employer where the average family plan premium has risen at only 3%/year. 39% get of the insured get their insurance through Medicaid and Medicare where premiums are not effected by the ACA. The remain 11% get individual policies through the healthcare exchanges or other sources. These premiums paid after any subsidy have had small to huge increases depending on family income and region. Thus less than only 1 in every 10 families have had large increases in premiums.

If Republicans concentrate on lowering premiums, they'll be missing the ball. The problem most people have is higher deductibles, coinsurance, and copays, particular in individual policies which are the result of increased coverage of plans, higher medical costs of covering sicker people and providing additional coverage required by law.
http://www.nytimes.com/2016/10/26/upshot/rising-obamacare-rates-what-you-need-to-know.html

Yeah that's nice quoting a liberal rag that tried to cover for Hillary through the election and gave her a 95% chance of winning.

Reality is somewhat different.

Obamacare premiums to soar 22% on average

www.thefiscaltimes.com/2016/10/19/Obamacare-Rate-Hikes-2017-Even-Bigger-Expected

It’s official: Double-digit rate hikes for Obamacare

New York times can say anything they want.

They can't hide the rate increases and there are reasons for them.

One of the big ones is no pre-existing conditions and keeping kids to age 26 on their policies.

Those are nice goals, I'm not against keeping those. But reality has to set in some time and reality is, that's part of the reason insurance has become so expensive and if you want it competitive again, then reality has to come back to insurance.

Who's premiums are increasing 22%, not the 50% of the people who are covered by their employer's plan, and not the 39% that are covered by Medicare and Medicaid. This projected 22% increase is for silver policies sold on the exchange which will effect less 10% of the insured.

Of the 39 states that have reported projected premiums for silver plan polices sold on the exchanges, the average projected increase is 22%. As in the past, actual premium increases will be far less than the projected increases. Just look at 2016. Projections were 18%. The actual average was 10.6% and the weighted average was only 3.6%. However what people are interested in is what they have to pay after subsidies which was an average on -.7% decrease.

Analysis of 2016 Premium Changes in the Affordable Care Act’s Health Insurance Marketplaces

Those claims about premium increases ignore the fact that Obamacare is almost worthless. When you have a $6500 deductible per family member, and it doesn't cover your prescriptions, what good is it?

All plans on healthcare.gov have prescription coverage. The average deductible for silver plans on healthcare.gov is $3,110 for a 30 year old. The average premium before subsidies is is $312 and $284 after subsidies. The cap on out of pocket cost is $6110. Above that, all medical expenses are paid with no limit. That is not worthless coverage.

In 2007, before Obamacare, when preexisting conditions was used in individual plans to filter out customers likely to have high medical costs, the average premium of a individual policy was $158/mo. The average individual deducible was $1972.

In 2007, individual plans had far less coverage than plans today. Only 24% of the plans had maternity. 16% of the plans had no drug coverage. 30% of the plans had no chiropractic coverage. 20% of the plans had no mental healthcare coverage. Essential all plans had lifetime maximums and half the plans had yearly maximums. There was a wide variation in preventive care coverage. Some plans included nothing and others include most of the current preventive care in Obamacare but essential none include all the preventive care in current plans.

Although individual healthcare plans prior to Obamacare had far more benefit choices than those today and thus greater variations in premiums, comparing plans was almost impossible because of variation in coverage between plans. Even when the benefit plan summary was the same, in 1/3 of the states the actually contracts could be quite different. Today, the law prevents insurer from putting loopholes in the contract that allow insurers to deny coverage.

Although individual plans today are more expensive and have a higher deductible they have much more coverage and are available to everyone, not just the most healthy.

Silver Health Insurance Plans
http://www.ehealthinsurance.com/content/expertcenterNew/eHealthCBreport2008FINAL.pdf

Hmm, yeah, that's why the last time I got prescriptions renewed under my Obama plan the cost for Levimir alone was $500. That's the full price.

Obamacare sucks. I know because I had an Obamacare plan.

The so-called "cost" of Obamacare plans you posted is irrelevant since you ignore the fact that the deductible per family member is $6500. That kind of "insurance" is worthless. You are comparing apples and oranges: the cost of worthless insurance vs. the cost of real insurance.

The ACA has nothing to do with drug prices.

And, I'm right behind you on the problem of drug prices.

Please suggest a solution.

 

[basquebromance]

 

[Zander]

Obamacare is a colossal failure based on a huge lie. . It has done nothing to slow the cost of insurance.

You can't keep your plan and you can't keep your doctor. You get a lot less, for a lot more money. The only "winners" are the insurance industry.

It's passing and implementation has been a huge FUCK YOU to all Americans.

It's time to toss this pile of shit in the dust heap of history along with it's namesake, the effeminate pansy , Barack Obama.

Your graph shows a straight line increase - NOT a jump related to the ACA.

There were parts of the ACA that targeted price cutting, but they were cut when congress had to ensure that every single crazy left wing Dem would vote for it. Those modifications could still be added. Plus, our experience with the ACA allows us to figure out other ways to improve pricing.

But, I don't believe that is the big change that can be made to your graph.

For that, we're going to have to consider what has caused other nations to be so much more successful than we have been.

Or, we're going to have to decide that we can simply deny health care to those who are sick or who can't afford coverage in order to offer cheap insurance to the rest. To me, that makes no more sense than allowing people who can't afford food and housing to simply die - something no industrialized nation has accepted as legitimate treatment of their citizens.

You can rationalize all you like. The law is garbage. It was supposed to save us "$2500 per family per year" and "bend the cost curve". Remember those promises? Not to mention "you can keep your doctor and your plan". All were bald faced lies from the start. It's done nothing but line the pockets of Obamacare cronies.

The government is not your "mommy". Health insurance is not a right. If you don't like it, go out and win an election or two.

 

[Maryland Patriot]

GOP won't promise ObamaCare fix will cover all

How many Americans left without coverage will Republicans find unacceptable? Half? Three quarters?

acceptable is the number that refused to take responsibility for their own lives before the ACA started forcing others to buy insurance for the lazy.
that is an acceptable number. If anyone that had insurance, then lost it due to the ACA is left without when things are returned to normal, then that would be unacceptable

 

[basquebromance]

Leaving people to get sick and die is just another way Republicans remind us that we're a Christian nation.

 

[basquebromance]

I just spoke to President Trump and he fully supports my plan to have someone explain to him what Obamacare actually is some time in March.

 

[rightwinger]

So you LWNJ's are unhappy about Obamacare getting gutted?

"get out there and win an election"



Until then, get in the back of the bus.

Haven't seen it gutted yet

Can't wait to see the wonders Republicans have planned for us

 

[Flopper]

Most large premium increases effected less than 10%, actually only 3% of the population; that is individual plans sold off the exchanges in rural areas. Individual plans in very rural areas have had huge increases sometimes as high as 100% due to the small number of subscribers and the lack of medical facilities. This is the exception not the rule, however these increases garner the headlines giving the impression of gigantic increase for all buyers of individual insurance.

When you look at major cities, where there are adequate numbers doctors, facilities, and insurers. The picture is quite different. The cost of a benchmark silver plan in these cities is on average 4.4% higher in 2016 than in 2015. In 2015, the increase was 2% and when all counties were included the increase was 4%. In 2014, premiums increased by 4.5%. So for the first 3 years of operation of the exchanges buyers of individual silver plans, the most common plans sold increased and average of 3.6%, only slightly more than the increase in healthcare costs.

Most people, just over 50% get their insurance from their employer. Employer sponsored group plan premiums have increased, 3.5% in 2013, 3% in 2014, 4% in 2015, and 3% in 2016 for an average of 3.3%. The trend of passing more of the employer share of the cost began in the 1990's and continues making the employees share of the cost about 1% to 2% higher.

23% of population who get their health insurance from Medicare saw no increase in premiums except for the top 1%.

17% of the population gets their insurance from Medicaid and since there is no premiums there was no increase. However, the number of new Medicaid subscribers increase by as much as 10 million.

Bottom line is most people saw relatively small increases in their premiums. Some people buying individual plans in rural areas saw large increases. Individual plans increased their benefits and their deductibles. Employer sponsored plans saw only small increases in premiums but employers passed on a larger portion of their cost to employees.

Analysis of 2015 Premium Changes in the Affordable Care Act’s Health Insurance Marketplaces
Analysis of 2016 Premium Changes and Insurer Participation in the Affordable Care Act’s Health Insurance Marketplaces
Silver Health Insurance Plans

 

[bripat9643]

Yeah that's nice quoting a liberal rag that tried to cover for Hillary through the election and gave her a 95% chance of winning.

Reality is somewhat different.

Obamacare premiums to soar 22% on average

www.thefiscaltimes.com/2016/10/19/Obamacare-Rate-Hikes-2017-Even-Bigger-Expected

It’s official: Double-digit rate hikes for Obamacare

New York times can say anything they want.

They can't hide the rate increases and there are reasons for them.

One of the big ones is no pre-existing conditions and keeping kids to age 26 on their policies.

Those are nice goals, I'm not against keeping those. But reality has to set in some time and reality is, that's part of the reason insurance has become so expensive and if you want it competitive again, then reality has to come back to insurance.

Who's premiums are increasing 22%, not the 50% of the people who are covered by their employer's plan, and not the 39% that are covered by Medicare and Medicaid. This projected 22% increase is for silver policies sold on the exchange which will effect less 10% of the insured.

Of the 39 states that have reported projected premiums for silver plan polices sold on the exchanges, the average projected increase is 22%. As in the past, actual premium increases will be far less than the projected increases. Just look at 2016. Projections were 18%. The actual average was 10.6% and the weighted average was only 3.6%. However what people are interested in is what they have to pay after subsidies which was an average on -.7% decrease.

Analysis of 2016 Premium Changes in the Affordable Care Act’s Health Insurance Marketplaces

Those claims about premium increases ignore the fact that Obamacare is almost worthless. When you have a $6500 deductible per family member, and it doesn't cover your prescriptions, what good is it?

All plans on healthcare.gov have prescription coverage. The average deductible for silver plans on healthcare.gov is $3,110 for a 30 year old. The average premium before subsidies is is $312 and $284 after subsidies. The cap on out of pocket cost is $6110. Above that, all medical expenses are paid with no limit. That is not worthless coverage.

In 2007, before Obamacare, when preexisting conditions was used in individual plans to filter out customers likely to have high medical costs, the average premium of a individual policy was $158/mo. The average individual deducible was $1972.

In 2007, individual plans had far less coverage than plans today. Only 24% of the plans had maternity. 16% of the plans had no drug coverage. 30% of the plans had no chiropractic coverage. 20% of the plans had no mental healthcare coverage. Essential all plans had lifetime maximums and half the plans had yearly maximums. There was a wide variation in preventive care coverage. Some plans included nothing and others include most of the current preventive care in Obamacare but essential none include all the preventive care in current plans.

Although individual healthcare plans prior to Obamacare had far more benefit choices than those today and thus greater variations in premiums, comparing plans was almost impossible because of variation in coverage between plans. Even when the benefit plan summary was the same, in 1/3 of the states the actually contracts could be quite different. Today, the law prevents insurer from putting loopholes in the contract that allow insurers to deny coverage.

Although individual plans today are more expensive and have a higher deductible they have much more coverage and are available to everyone, not just the most healthy.

Silver Health Insurance Plans
http://www.ehealthinsurance.com/content/expertcenterNew/eHealthCBreport2008FINAL.pdf

Hmm, yeah, that's why the last time I got prescriptions renewed under my Obama plan the cost for Levimir alone was $500. That's the full price.

Obamacare sucks. I know because I had an Obamacare plan.

The so-called "cost" of Obamacare plans you posted is irrelevant since you ignore the fact that the deductible per family member is $6500. That kind of "insurance" is worthless. You are comparing apples and oranges: the cost of worthless insurance vs. the cost of real insurance.

The ACA has nothing to do with drug prices.

And, I'm right behind you on the problem of drug prices.

Please suggest a solution.

It has to do with whether my prescriptions are covered, you fuckng dumbass. The solution is repeal Obamacare.

 

[Flopper]

Who's premiums are increasing 22%, not the 50% of the people who are covered by their employer's plan, and not the 39% that are covered by Medicare and Medicaid. This projected 22% increase is for silver policies sold on the exchange which will effect less 10% of the insured.

Of the 39 states that have reported projected premiums for silver plan polices sold on the exchanges, the average projected increase is 22%. As in the past, actual premium increases will be far less than the projected increases. Just look at 2016. Projections were 18%. The actual average was 10.6% and the weighted average was only 3.6%. However what people are interested in is what they have to pay after subsidies which was an average on -.7% decrease.

Analysis of 2016 Premium Changes in the Affordable Care Act’s Health Insurance Marketplaces

Those claims about premium increases ignore the fact that Obamacare is almost worthless. When you have a $6500 deductible per family member, and it doesn't cover your prescriptions, what good is it?

All plans on healthcare.gov have prescription coverage. The average deductible for silver plans on healthcare.gov is $3,110 for a 30 year old. The average premium before subsidies is is $312 and $284 after subsidies. The cap on out of pocket cost is $6110. Above that, all medical expenses are paid with no limit. That is not worthless coverage.

In 2007, before Obamacare, when preexisting conditions was used in individual plans to filter out customers likely to have high medical costs, the average premium of a individual policy was $158/mo. The average individual deducible was $1972.

In 2007, individual plans had far less coverage than plans today. Only 24% of the plans had maternity. 16% of the plans had no drug coverage. 30% of the plans had no chiropractic coverage. 20% of the plans had no mental healthcare coverage. Essential all plans had lifetime maximums and half the plans had yearly maximums. There was a wide variation in preventive care coverage. Some plans included nothing and others include most of the current preventive care in Obamacare but essential none include all the preventive care in current plans.

Although individual healthcare plans prior to Obamacare had far more benefit choices than those today and thus greater variations in premiums, comparing plans was almost impossible because of variation in coverage between plans. Even when the benefit plan summary was the same, in 1/3 of the states the actually contracts could be quite different. Today, the law prevents insurer from putting loopholes in the contract that allow insurers to deny coverage.

Although individual plans today are more expensive and have a higher deductible they have much more coverage and are available to everyone, not just the most healthy.

Silver Health Insurance Plans
http://www.ehealthinsurance.com/content/expertcenterNew/eHealthCBreport2008FINAL.pdf

Hmm, yeah, that's why the last time I got prescriptions renewed under my Obama plan the cost for Levimir alone was $500. That's the full price.

Obamacare sucks. I know because I had an Obamacare plan.

The so-called "cost" of Obamacare plans you posted is irrelevant since you ignore the fact that the deductible per family member is $6500. That kind of "insurance" is worthless. You are comparing apples and oranges: the cost of worthless insurance vs. the cost of real insurance.

The ACA has nothing to do with drug prices.

And, I'm right behind you on the problem of drug prices.

Please suggest a solution.

It has to do with whether my prescriptions are covered, you fuckng dumbass. The solution is repeal Obamacare.

Each insurance company decides what drugs it will include it's formulary. No insurance company now or before Obamacare covers every drug. One of the steps in picking an insurance company is checking their formulary to make sure the drugs you need are covered.

Since Obamacare was passed practically everything that people hated about their insurance company or healthcare in general was blamed on Obamacare. Well guess what? That's going change because there will be a new healthcare plan owned by Republicans who will then own America's healthcare problems.

 

[bripat9643]

Those claims about premium increases ignore the fact that Obamacare is almost worthless. When you have a $6500 deductible per family member, and it doesn't cover your prescriptions, what good is it?

All plans on healthcare.gov have prescription coverage. The average deductible for silver plans on healthcare.gov is $3,110 for a 30 year old. The average premium before subsidies is is $312 and $284 after subsidies. The cap on out of pocket cost is $6110. Above that, all medical expenses are paid with no limit. That is not worthless coverage.

In 2007, before Obamacare, when preexisting conditions was used in individual plans to filter out customers likely to have high medical costs, the average premium of a individual policy was $158/mo. The average individual deducible was $1972.

In 2007, individual plans had far less coverage than plans today. Only 24% of the plans had maternity. 16% of the plans had no drug coverage. 30% of the plans had no chiropractic coverage. 20% of the plans had no mental healthcare coverage. Essential all plans had lifetime maximums and half the plans had yearly maximums. There was a wide variation in preventive care coverage. Some plans included nothing and others include most of the current preventive care in Obamacare but essential none include all the preventive care in current plans.

Although individual healthcare plans prior to Obamacare had far more benefit choices than those today and thus greater variations in premiums, comparing plans was almost impossible because of variation in coverage between plans. Even when the benefit plan summary was the same, in 1/3 of the states the actually contracts could be quite different. Today, the law prevents insurer from putting loopholes in the contract that allow insurers to deny coverage.

Although individual plans today are more expensive and have a higher deductible they have much more coverage and are available to everyone, not just the most healthy.

Silver Health Insurance Plans
http://www.ehealthinsurance.com/content/expertcenterNew/eHealthCBreport2008FINAL.pdf

Hmm, yeah, that's why the last time I got prescriptions renewed under my Obama plan the cost for Levimir alone was $500. That's the full price.

Obamacare sucks. I know because I had an Obamacare plan.

The so-called "cost" of Obamacare plans you posted is irrelevant since you ignore the fact that the deductible per family member is $6500. That kind of "insurance" is worthless. You are comparing apples and oranges: the cost of worthless insurance vs. the cost of real insurance.

The ACA has nothing to do with drug prices.

And, I'm right behind you on the problem of drug prices.

Please suggest a solution.

It has to do with whether my prescriptions are covered, you fuckng dumbass. The solution is repeal Obamacare.

Each insurance company decides what drugs it will include it's formulary. No insurance company now or before Obamacare covers every drug. One of the steps in picking an insurance company is checking their formulary to make sure the drugs you need are covered.

Since Obamacare was passed practically everything that people hated about their insurance company or healthcare in general was blamed on Obamacare. Well guess what? That's going change because there will be a new healthcare plan owned by Republicans who will then own America's healthcare problems.

I've never heard of an insurance company that didn't cover levemir until I got Obamacare. It's like not covering penicillin.