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My bias is based on knowing that corporations will do what is best for themselves as is my bias is doing what is best for my family.I would suggest you check on inflation rates. Let those rise and so will CD rates. Insurance is an accurate evaluation of the economy, because it is an outlaw industry that will take everything it can; that's why we have ACA.I suggest you check the rates on CD's and Insurance Products.False: inflation is tearing us up and there's nowhere to put your money except in the Markets. The Fed is artificially holding rates down, so the Banks are putting their extra cash in the Stock Markets which buoys the Markets but doesn't allow for the common, every day working man to get any short term gain on his money.
Once I realized financial institutions were going to keep rates down, our families started buying property. We have done very well.
Your obvious bias aside Real Estate was indeed and so remains the best place to have your money, when the crash comes , and it is coming, land will be the only true refuge from it, good for you.
Insurance however remains a place where ordinary folks can keep their money and not be robbed by our Government.
My bias is based on knowing that corporations will do what is best for themselves as is my bias is doing what is best for my family.I would suggest you check on inflation rates. Let those rise and so will CD rates. Insurance is an accurate evaluation of the economy, because it is an outlaw industry that will take everything it can; that's why we have ACA.I suggest you check the rates on CD's and Insurance Products.False: inflation is tearing us up and there's nowhere to put your money except in the Markets. The Fed is artificially holding rates down, so the Banks are putting their extra cash in the Stock Markets which buoys the Markets but doesn't allow for the common, every day working man to get any short term gain on his money.
Once I realized financial institutions were going to keep rates down, our families started buying property. We have done very well.
Your obvious bias aside Real Estate was indeed and so remains the best place to have your money, when the crash comes , and it is coming, land will be the only true refuge from it, good for you.
Insurance however remains a place where ordinary folks can keep their money and not be robbed by our Government.
Our disagreement on insurance notwithstanding, Obama's accommodation of the industry in the ACA finagling is the clearest evidence of all that the is a corporatist boy to the bone.
Show the regulation of cost and price controls.My bias is based on knowing that corporations will do what is best for themselves as is my bias is doing what is best for my family.I would suggest you check on inflation rates. Let those rise and so will CD rates. Insurance is an accurate evaluation of the economy, because it is an outlaw industry that will take everything it can; that's why we have ACA.I suggest you check the rates on CD's and Insurance Products.False: inflation is tearing us up and there's nowhere to put your money except in the Markets. The Fed is artificially holding rates down, so the Banks are putting their extra cash in the Stock Markets which buoys the Markets but doesn't allow for the common, every day working man to get any short term gain on his money.
Once I realized financial institutions were going to keep rates down, our families started buying property. We have done very well.
Your obvious bias aside Real Estate was indeed and so remains the best place to have your money, when the crash comes , and it is coming, land will be the only true refuge from it, good for you.
Insurance however remains a place where ordinary folks can keep their money and not be robbed by our Government.
Our disagreement on insurance notwithstanding, Obama's accommodation of the industry in the ACA finagling is the clearest evidence of all that the is a corporatist boy to the bone.
Of course he is, they all are but Hillary would make him look like a novice at that....she is a pure corporate whore.
As for the insurance industry, you'd be hard pressed to find a more regulated business.
He's second, but behind that scumbag FDR.
I am no fan of FDR but, in his defense, he was in uncharted territory.
Show the regulation of cost and price controls.My bias is based on knowing that corporations will do what is best for themselves as is my bias is doing what is best for my family.I would suggest you check on inflation rates. Let those rise and so will CD rates. Insurance is an accurate evaluation of the economy, because it is an outlaw industry that will take everything it can; that's why we have ACA.I suggest you check the rates on CD's and Insurance Products.
Once I realized financial institutions were going to keep rates down, our families started buying property. We have done very well.
Your obvious bias aside Real Estate was indeed and so remains the best place to have your money, when the crash comes , and it is coming, land will be the only true refuge from it, good for you.
Insurance however remains a place where ordinary folks can keep their money and not be robbed by our Government.
Our disagreement on insurance notwithstanding, Obama's accommodation of the industry in the ACA finagling is the clearest evidence of all that the is a corporatist boy to the bone.
Of course he is, they all are but Hillary would make him look like a novice at that....she is a pure corporate whore.
As for the insurance industry, you'd be hard pressed to find a more regulated business.
And, yes, HRC is the Whore of Capitalism and Cronyism.
Show the regulation of cost and price controls.My bias is based on knowing that corporations will do what is best for themselves as is my bias is doing what is best for my family.I would suggest you check on inflation rates. Let those rise and so will CD rates. Insurance is an accurate evaluation of the economy, because it is an outlaw industry that will take everything it can; that's why we have ACA.
Once I realized financial institutions were going to keep rates down, our families started buying property. We have done very well.
Your obvious bias aside Real Estate was indeed and so remains the best place to have your money, when the crash comes , and it is coming, land will be the only true refuge from it, good for you.
Insurance however remains a place where ordinary folks can keep their money and not be robbed by our Government.
Our disagreement on insurance notwithstanding, Obama's accommodation of the industry in the ACA finagling is the clearest evidence of all that the is a corporatist boy to the bone.
Of course he is, they all are but Hillary would make him look like a novice at that....she is a pure corporate whore.
As for the insurance industry, you'd be hard pressed to find a more regulated business.
And, yes, HRC is the Whore of Capitalism and Cronyism.
All rates are submitted and approved or denied by the various State Commissioners, as for how the ACA effected that, ANY rate increase larger than 10% must be approved by the State AND HHS.
Thank you. Was that the case before ACA? And the prior ability to not accept patients allowed the industry to get obesely wealthy from letting sick patients get sicker and even die was caused by the industry.
Show the regulation of cost and price controls.My bias is based on knowing that corporations will do what is best for themselves as is my bias is doing what is best for my family.I would suggest you check on inflation rates. Let those rise and so will CD rates. Insurance is an accurate evaluation of the economy, because it is an outlaw industry that will take everything it can; that's why we have ACA.
Once I realized financial institutions were going to keep rates down, our families started buying property. We have done very well.
Your obvious bias aside Real Estate was indeed and so remains the best place to have your money, when the crash comes , and it is coming, land will be the only true refuge from it, good for you.
Insurance however remains a place where ordinary folks can keep their money and not be robbed by our Government.
Our disagreement on insurance notwithstanding, Obama's accommodation of the industry in the ACA finagling is the clearest evidence of all that the is a corporatist boy to the bone.
Of course he is, they all are but Hillary would make him look like a novice at that....she is a pure corporate whore.
As for the insurance industry, you'd be hard pressed to find a more regulated business.
And, yes, HRC is the Whore of Capitalism and Cronyism.
All rates are submitted and approved or denied by the various State Commissioners, as for how the ACA effected that, ANY rate increase larger than 10% must be approved by the State AND HHS.
Show the regulation of cost and price controls.My bias is based on knowing that corporations will do what is best for themselves as is my bias is doing what is best for my family.Your obvious bias aside Real Estate was indeed and so remains the best place to have your money, when the crash comes , and it is coming, land will be the only true refuge from it, good for you.
Insurance however remains a place where ordinary folks can keep their money and not be robbed by our Government.
Our disagreement on insurance notwithstanding, Obama's accommodation of the industry in the ACA finagling is the clearest evidence of all that the is a corporatist boy to the bone.
Of course he is, they all are but Hillary would make him look like a novice at that....she is a pure corporate whore.
As for the insurance industry, you'd be hard pressed to find a more regulated business.
And, yes, HRC is the Whore of Capitalism and Cronyism.
All rates are submitted and approved or denied by the various State Commissioners, as for how the ACA effected that, ANY rate increase larger than 10% must be approved by the State AND HHS.
As a person who spent 50 years in the health insurance industry rating group health, I can assure you that no such filing is required in group health rates, although they are in property and casualty rates. I routinely calculated and sold rate increases to employer's of up to 23% per year for health insurance during the Carter years.
Since which beginning date.Show the regulation of cost and price controls.My bias is based on knowing that corporations will do what is best for themselves as is my bias is doing what is best for my family.
Our disagreement on insurance notwithstanding, Obama's accommodation of the industry in the ACA finagling is the clearest evidence of all that the is a corporatist boy to the bone.
Of course he is, they all are but Hillary would make him look like a novice at that....she is a pure corporate whore.
As for the insurance industry, you'd be hard pressed to find a more regulated business.
And, yes, HRC is the Whore of Capitalism and Cronyism.
All rates are submitted and approved or denied by the various State Commissioners, as for how the ACA effected that, ANY rate increase larger than 10% must be approved by the State AND HHS.
As a person who spent 50 years in the health insurance industry rating group health, I can assure you that no such filing is required in group health rates, although they are in property and casualty rates. I routinely calculated and sold rate increases to employer's of up to 23% per year for health insurance during the Carter years.
I respectfully must disagree, ALL rates must be submitted to the Commissioners, NO insurance company can just willy nilly raise them, Group or otherwise.
Show the regulation of cost and price controls.My bias is based on knowing that corporations will do what is best for themselves as is my bias is doing what is best for my family.
Our disagreement on insurance notwithstanding, Obama's accommodation of the industry in the ACA finagling is the clearest evidence of all that the is a corporatist boy to the bone.
Of course he is, they all are but Hillary would make him look like a novice at that....she is a pure corporate whore.
As for the insurance industry, you'd be hard pressed to find a more regulated business.
And, yes, HRC is the Whore of Capitalism and Cronyism.
All rates are submitted and approved or denied by the various State Commissioners, as for how the ACA effected that, ANY rate increase larger than 10% must be approved by the State AND HHS.
As a person who spent 50 years in the health insurance industry rating group health, I can assure you that no such filing is required in group health rates, although they are in property and casualty rates. I routinely calculated and sold rate increases to employer's of up to 23% per year for health insurance during the Carter years.
I respectfully must disagree, ALL rates must be submitted to the Commissioners, NO insurance company can just willy nilly raise them, Group or otherwise.
Show the regulation of cost and price controls.Of course he is, they all are but Hillary would make him look like a novice at that....she is a pure corporate whore.
As for the insurance industry, you'd be hard pressed to find a more regulated business.
And, yes, HRC is the Whore of Capitalism and Cronyism.
All rates are submitted and approved or denied by the various State Commissioners, as for how the ACA effected that, ANY rate increase larger than 10% must be approved by the State AND HHS.
As a person who spent 50 years in the health insurance industry rating group health, I can assure you that no such filing is required in group health rates, although they are in property and casualty rates. I routinely calculated and sold rate increases to employer's of up to 23% per year for health insurance during the Carter years.
I respectfully must disagree, ALL rates must be submitted to the Commissioners, NO insurance company can just willy nilly raise them, Group or otherwise.
Well, I have been retired since right before ACA was passed, but I can assure you that as VP of underwriting and government compliance (up through 2003), I never filed a health rate with any insurance commissioner in the USA. I did have to file for approval of every health insurance policy we sold, but never a rate.
Health insurance rates are calculated based on the following mathematical model.
1. The utilization per thousand members of a given procedure times the contracted cost per procedure with the contracted provider
2. the health insurance inflation factor from midpoint of the previous contracted period to the midpoint of the future contracted period, plus 1005 times 91) above)
3. subtract the utilization factor times the copay's and coinsurance per procedure from (2) above
4. Divide (3) above by the combined state premium tax, operating expenses, and desired profit margin (which was usually a total of about 15%)
5. Equals the needed revenue for the next contractual year of the employer health plan.
The only controllable variables were:
1. How low can we contract for a procedure with a provider?
2. how can we cut expenses?
3. We we accept a lower profit?
4. Can we get away with increasing copays and deductibles.?
Show the regulation of cost and price controls.
And, yes, HRC is the Whore of Capitalism and Cronyism.
All rates are submitted and approved or denied by the various State Commissioners, as for how the ACA effected that, ANY rate increase larger than 10% must be approved by the State AND HHS.
As a person who spent 50 years in the health insurance industry rating group health, I can assure you that no such filing is required in group health rates, although they are in property and casualty rates. I routinely calculated and sold rate increases to employer's of up to 23% per year for health insurance during the Carter years.
I respectfully must disagree, ALL rates must be submitted to the Commissioners, NO insurance company can just willy nilly raise them, Group or otherwise.
Well, I have been retired since right before ACA was passed, but I can assure you that as VP of underwriting and government compliance (up through 2003), I never filed a health rate with any insurance commissioner in the USA. I did have to file for approval of every health insurance policy we sold, but never a rate.
"
The Affordable Care Act (ACA) requires that insurers planning to significantly increase plan premiums submit their rates to either the state or federal government for review. The threshold for this requirement is 10%.
The rate review process is designed to improve insurer accountability and transparency. It ensures that experts evaluate whether the proposed rate increases are based on reasonable cost assumptions and solid evidence and gives consumers the chance to comment on proposed increases.
The ACA also requires that a summary of rate review justifications and results be accessible to the public in an easily understandable format. This site is designed to meet that mandate."
Unified Rate Review
It didn't start with the ACA, it has ever been thus....just because you didn't do it doesn't someone didn't, sorry.
It's just the way it have been since I've been in the Industry, starting in 95.
All rates are submitted and approved or denied by the various State Commissioners, as for how the ACA effected that, ANY rate increase larger than 10% must be approved by the State AND HHS.
As a person who spent 50 years in the health insurance industry rating group health, I can assure you that no such filing is required in group health rates, although they are in property and casualty rates. I routinely calculated and sold rate increases to employer's of up to 23% per year for health insurance during the Carter years.
I respectfully must disagree, ALL rates must be submitted to the Commissioners, NO insurance company can just willy nilly raise them, Group or otherwise.
Well, I have been retired since right before ACA was passed, but I can assure you that as VP of underwriting and government compliance (up through 2003), I never filed a health rate with any insurance commissioner in the USA. I did have to file for approval of every health insurance policy we sold, but never a rate.
"
The Affordable Care Act (ACA) requires that insurers planning to significantly increase plan premiums submit their rates to either the state or federal government for review. The threshold for this requirement is 10%.
The rate review process is designed to improve insurer accountability and transparency. It ensures that experts evaluate whether the proposed rate increases are based on reasonable cost assumptions and solid evidence and gives consumers the chance to comment on proposed increases.
The ACA also requires that a summary of rate review justifications and results be accessible to the public in an easily understandable format. This site is designed to meet that mandate."
Unified Rate Review
It didn't start with the ACA, it has ever been thus....just because you didn't do it doesn't someone didn't, sorry.
It's just the way it have been since I've been in the Industry, starting in 95.
Flip, You are way out of your league on this. I also worked for a period of 1 1/2 years for one of the State Insurance Commissioners in one of the western states. My job was to review and approve filing from health insurers. I was responsible for government compliance for various HMO's and health insurers from 1966 to 2003. During that time, I was on the payroll of 14 companies for underwriting and compliance in 12 states. In 1966, my job was to gear the company up for the initiation of Medicare. I'm not going to argue about this anymore with you. it is too insulting to me and my lifetime (and lucrative) career.
Stick to a topic that you know about.
Flipper has been corrected.
Let's move on.
Ok now most people today would say George W. Bush, however most of these people were not alive for past presidents. Who did the most damage to the country while in office?
We have too many candidates I suppose. I bet at least 1 agree to anyone who call Obama.
But still. Who?
