MaggieD
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That federal website is useful to determine which companies are playing the PPACA exchange game in your state. BCBS (or any other big company) may not be participating in the PPACA exchange in all states.
Healthcare.gov is getting slammed. You should expect it to be a overloaded, slow, glitchy etc for at least a week. It'll get better soon.
I also don't see any indication that this prevents companies from competing via other means.
Insurers are NOT required by any law to participate in the exchanges. E.g. Aetna is not participating in the exchanges in 5 states.Every insurance company is playing the PPACA game. That's the only health insurance that's "legal."
Insurers are NOT required by any law to participate in the exchanges. E.g. Aetna is not participating in the exchanges in 5 states.
I believe that it is only plans that participate in the exchanges which qualify for the subsidies, but I need to verify that.
The exchanges are a major component of the health care reform. The idea is to present the ratepayers with a list of the companies and their prices, to make it easy to compare plans. I.e. the goal is to streamline competition.That's true. But people are being led to believe that's the place to go. Why is the government involved in that part of the process? Write the specifications for coverage and get the hell out of the way.
To be clear:I'd accept what you're saying -- re your last sentence -- because that's the only reason an insurance company WOULD participate in the exchange. Re the first part? Insurance companies have NEVER written insurance in all states so that's nothing new.
The exchanges are a major component of the health care reform. The idea is to present the ratepayers with a list of the companies and their prices, to make it easy to compare plans. I.e. the goal is to streamline competition.
Why does one have to go to healthcare.gov for a quote? Well, the short answer is that you don't; but that's what we've been led to believe. Here's a link to Blue Cross Blue Shield of Illinois which has complete pricing and whether or not one is eligible for a subsidy -- for their compan. You know, like "the old days" when companies competed for business. Health Insurance Shopping Guide | Blue Cross and Blue Shield of Illinois
healthcare.gov just puts all the insurance companies on equal footing. A one-stop-shop, if you will, at the expense of common sense since the website is a disaster.
It never occurred to me that the gvmt was trying to step in the middle of competition by allowing comparison shopping on a government website. This simply confuses the issue.
Get rid of the website and let people shop as they always have. healthcare.gov is a whore's nightmare.
Correct. And in doing so, they are putting these companies into direct competition. It makes it clear to every potential applicant what companies are participating in the exchange, what plans they offer, and their prices.The government has written specs for what they're calling Bronze, Silver and Gold Plans. Go to the exchange and it should be a simple matter of pulling up all the insurance companies in your state who are offering Bronze, Silver and Gold Plans and compare prices.
1) Bigger or better roster of doctors and hospitalsThere would always be just one who would be cheaper than the rest. Why would anyone sign up for one that was more expensive?
the goal of the PPACA exchange was to create a large pool of percipients as an attempt to lower the cost, but the problem that will rear its ugly head in 6 months they have to meet the goal they set of young healthy members to enter the pool to keep those premiums at the entail quoted price. if that goal is not met and if only the old and ones with preexisting conditions enter the pool the premiums will have to be raised which will cause less young and healthy to enroll. like a snow ball rolling down a hill the premiums will just get larger and larger till Obama care collapses from its own costNo, that's not the goal. Think about it, Visbek. The goal is to confuse people about the product and spread the business around. If that weren't the goal, then one company would get all the business. I'm not explaining what I'm thinking very well . . . let me try again . . .
The government has written specs for what they're calling Bronze, Silver and Gold Plans. Go to the exchange and it should be a simple matter of pulling up all the insurance companies in your state who are offering Bronze, Silver and Gold Plans and compare prices. There would always be just one who would be cheaper than the rest. Why would anyone sign up for one that was more expensive? So it follows then that the details of the plans will be confusing and deliberately obtuse so that one will find it very difficult to comparison shop.
No, that's not the goal. Think about it, Visbek. The goal is to confuse people about the product and spread the business around. If that weren't the goal, then one company would get all the business. I'm not explaining what I'm thinking very well . . . let me try again . . .
The government has written specs for what they're calling Bronze, Silver and Gold Plans. Go to the exchange and it should be a simple matter of pulling up all the insurance companies in your state who are offering Bronze, Silver and Gold Plans and compare prices. There would always be just one who would be cheaper than the rest. Why would anyone sign up for one that was more expensive? So it follows then that the details of the plans will be confusing and deliberately obtuse so that one will find it very difficult to comparison shop.
Insurers will be just fine.the problem that will rear its ugly head in 6 months they have to meet the goal they set of young healthy members to enter the pool to keep those premiums at the entail quoted price....
Insurers will be just fine.
This system has been in place in Massachusetts since 2006, and insurance premiums in MA have grown at half the rate as the US average.
Almost every major provision of the ACA was based on Romney's MA plan. This includes the mandates, exchanges, subsidies, expansion of Medicare/Medicaid and requirements to accept people with pre-existing conditions.i don't know enough about the MA plan as in what mechanism they have in place to make sure enough young and healthy are enrolled to keep the price down....
It's the same as any other penalty. If you are hit with a $600 tax penalty, and you would otherwise get a $200 refund, you will be required to pay $400 to the IRS when you file.they wont even be paying the fine because that fine is going to be enforced by the IRS being taken out of you tax return check and most young do not get a refund check
Almost every major provision of the ACA was based on Romney's MA plan. This includes the mandates, exchanges, subsidies, expansion of Medicare/Medicaid and requirements to accept people with pre-existing conditions.
Almost 97% of MA now has health insurance. It's doing fine.
It's the same as any other penalty. If you are hit with a $600 tax penalty, and you would otherwise get a $200 refund, you will be required to pay $400 to the IRS when you file.
It's exactly the same as any other tax penalty or liability.so what are they going to do send the FBI to arrest them sure they will make Obama care even more popular
I understand it very well, including (as you point out) the need to get healthier people into the insurance pool.You don't understand demographics to well do you
It's exactly the same as any other tax penalty or liability.
I understand it very well, including (as you point out) the need to get healthier people into the insurance pool.
I also understand that the mandates do apparently work, since MA has used a nearly identical program since 2006, now has nearly 97% of the state covered, and insurers are not going bankrupt.
I don't think anyone expects the ACA to be that successful. 80-85% after 5 years seems much more likely.
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