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Obamacare premium hikes forecast

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buck

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The Ohio Department of Insurance unveiled the first details for the insurance plans expected to be sold on the new online marketplaces, a cornerstone of the Patient Protection and Affordable Care Act.

The department says the filings show a 13 percent increase in the average monthly premium for individual plans sold in the first wave of open enrollment, which started Oct. 1 and ended March 31. The next open enrollment period begins Nov. 15 and runs through Feb. 15.

According to Ohio's early review of the filings, the average monthly premium across all individual plans filed is $374.42, up from $332.58 for plans filed last year.
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Obamacare premium hikes forecast

As that cost curve continues bending down, the typical family saves $2,500.00 and everyone has lower rates.
 
buck said:
Obamacare premium hikes forecast

As that cost curve continues bending down, the typical family saves $2,500.00 and everyone has lower rates.
Click to expand...

where is the affordable part of this again?

just wait for the employer mandate to hit. prices are going to soar. my insurance went up 40% last year and i am going to hate to see how much it goes up this yeaer.
i will be lucky to get a 3% raise this year. even though i was only .5 points off the maximum allowed for my review.

more than likely i will get a 2.5% raise. which might offset the increase from this year and next year.
 
ludin said:
where is the affordable part of this again?

just wait for the employer mandate to hit. prices are going to soar. my insurance went up 40% last year and i am going to hate to see how much it goes up this yeaer.
i will be lucky to get a 3% raise this year. even though i was only .5 points off the maximum allowed for my review.

more than likely i will get a 2.5% raise. which might offset the increase from this year and next year.
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Ours went up 2 years ago, I believe. I'm trying to remember when we got that information... Anyway, the HR department blamed it on provisions in the ACA and indicated the company would cover the increased costs - so we got lucky there... Ours went up quite a bit this year too.. The employees got stuck with covering the increase, and they didn't place the blame this time, though.. So, I can't speak to the cause.. just normal medical inflation or other provisions? No idea.

When I mentioned the increase here that the company was covering.. I recall Sangha indicating that the company was lying to us to make us more loyal (or some such nonsense). Anything to continue believing what they want to believe.
 
buck said:
Ours went up 2 years ago, I believe. I'm trying to remember when we got that information... Anyway, the HR department blamed it on provisions in the ACA and indicated the company would cover the increased costs - so we got lucky there... Ours went up quite a bit this year too.. The employees got stuck with covering the increase, and they didn't place the blame this time, though.. So, I can't speak to the cause.. just normal medical inflation or other provisions? No idea.

When I mentioned the increase here that the company was covering.. I recall Sangha indicating that the company was lying to us to make us more loyal (or some such nonsense). Anything to continue believing what they want to believe.
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yep there was one year that it went up before the ACA and the company covered only because we didn't get raises that year, however this past year was due to ACA compliance.
right now i have a ppo plan with co pays.

in 2016 they are dropping it and putting everyone on a HSA with medical coverage plan. one thing i didn't notice is that they increased from 80/20 to 90/10.
still it means that until i hit a deductable with the kids that all of their medical costs will come out of my HSA.

i have to talk the wife into switch during open enrollment this year so that i can start building my account up before the switch.
i am hoping that the company decides to give more up front cash.
 
The department says the filings show a 13 percent increase in the average monthly premium
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****, that's actually something of a relief. Mine have been going up by more than that every year for the past decade.
 
tres borrachos said:
You've had Obamacare insurance for a decade?
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no, i had ****ty employer-specific for-profit insurance that predates the ACA and continues to suck for a lot of money. i used it to navigate our hopelessly inefficient health care system. this is the case because ever since Truman, every time we try to fix the system, half of the country completely loses its **** over it and sometimes even threatens to secede or start a ****ing civil war over health care.

then they get old, collect their Medicare (and social security) benefits, and generally don't demand the right to be thrown back to the wolves. funny how that works.
 
Helix said:
****, that's actually something of a relief. Mine have been going up by more than that every year for the past decade.
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I doubt that. According to Kaiser, it was 80% increase over the past decade or an average of 8% per year... That is clearly not more than 13% per year for the past decade. And that was employer insurance, which typically will have larger networks and smaller OOP expenses. So, I suspect individual premiums increased even less than 8% over the past decade.
 
Helix said:
then they get old, collect their Medicare (and social security) benefits, and generally don't demand the right to be thrown back to the wolves. funny how that works.
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That is funny. Let me think... Something free that I can supplement if I need... Or something I pay for.. Hmm.. It's a tough one...
 
Helix said:
no, i had ****ty employer-specific for-profit insurance that predates the ACA and continues to suck for a lot of money. i used it to navigate our hopelessly inefficient health care system. this is the case because ever since Truman, every time we try to fix the system, half of the country completely loses its **** over it and sometimes even threatens to secede or start a ****ing civil war over health care.

then they get old, collect their Medicare (and social security) benefits, and generally don't demand the right to be thrown back to the wolves. funny how that works.
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You have not seen inefficient just yet wait till they have to ask some bureaucrat if you should get coverage. that will be a hoot just look to the UK system and their long wait times.

No need to worry about the elderly now with obummer care if your of age and get sick no worries they can now legally let them die, its gonna be great huh?

Funny though how all those dems marched out and claimed that the repukes wanted every one to die, but the death panels are right in the democrats bill.

I know most men will be happy to pay for maternity care that they cannot use, i am not very happy that some freak could get a sex change now paid for by my taxes.
 
buck said:
I doubt that. According to Kaiser, it was 80% increase over the past decade or an average of 8% per year... That is clearly not more than 13% per year for the past decade. And that was employer insurance, which typically will have larger networks and smaller OOP expenses. So, I suspect individual premiums increased even less than 8% over the past decade.
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Clearly someone has the obull disorder:lamo
 
buck said:
I doubt that. According to Kaiser, it was 80% increase over the past decade or an average of 8% per year... That is clearly not more than 13% per year for the past decade. And that was employer insurance, which typically will have larger networks and smaller OOP expenses. So, I suspect individual premiums increased even less than 8% over the past decade.
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it doesn't matter what you doubt. double digit percent hikes every year. i can't remember the exact percent from 2010 to 2011, because that was a different job, but this one shoots up that much every year. of course, i have real insurance, not that piddly nickle and dime bull**** for people who never get sick but just want the card to carry around so they feel cool. i've actually had to USE mine.
 
Helix said:
no, i had ****ty employer-specific for-profit insurance that predates the ACA and continues to suck for a lot of money. i used it to navigate our hopelessly inefficient health care system. this is the case because ever since Truman, every time we try to fix the system, half of the country completely loses its **** over it and sometimes even threatens to secede or start a ****ing civil war over health care.

then they get old, collect their Medicare (and social security) benefits, and generally don't demand the right to be thrown back to the wolves. funny how that works.
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Okay, hence my confusion. The OP was about Obamacare premiums, not employer-sponsored insurance premiums.
 
Helix said:
it doesn't matter what you doubt. double digit percent hikes every year. i can't remember the exact percent from 2010 to 2011, because that was a different job, but this one shoots up that much every year. of course, i have real insurance, not that piddly nickle and dime bull**** for people who never get sick but just want the card to carry around so they feel cool. i've actually had to USE mine.
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I've had to use mine too. Real insurance, and very good insurance. Technically it falls into the "Cadillac Insurance" category. It goes up every year but nowhere near 13%. Did your employer explain the overly large hikes?
 
Helix said:
it doesn't matter what you doubt. double digit percent hikes every year. i can't remember the exact percent from 2010 to 2011, because that was a different job, but this one shoots up that much every year. of course, i have real insurance, not that piddly nickle and dime bull**** for people who never get sick but just want the card to carry around so they feel cool. i've actually had to USE mine.
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You said average of the last decade... I provided the actual average increase over the last decade - not relying on memory from 10 years ago (mine and yours) for employer insurance.. Which again.. Will increase faster than individual just due to the benefits avaialble.
 
CalGun said:
Some one in support of his regime will be along shortly to tell you how much that is better than anything Bush did, and its the new normal get use to it.
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It was post 9, and it wasn't Bush. It was Truman.
 
tres borrachos said:
I've had to use mine too. Real insurance, and very good insurance. Technically it falls into the "Cadillac Insurance" category. It goes up every year but nowhere near 13%. Did your employer explain the overly large hikes?
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academia, so no. but i don't have to ask. it's hiked because :

1. the system is horribly inefficient

2. there are a lot of entities between me and a health care outcome. these entities want to make a lot of money.

3. these same entities want to make more money than they did last year.
 
Helix said:
academia, so no. but i don't have to ask. it's hiked because :

1. the system is horribly inefficient

2. there are a lot of entities between me and a health care outcome. these entities want to make a lot of money.

3. these same entities want to make more money than they did last year.
Click to expand...

Sounds like your employer did a piss poor job of negotiating their employees' insurance benefits. I don't know of anyone whose employer insurance was increasing anywhere near that amount in the last decade. And we all have the same system/entities/profit wants behind our insurance.
 
buck said:
You said average of the last decade... I provided the actual average increase over the last decade - not relying on memory from 10 years ago (mine and yours) for employer insurance.. Which again.. Will increase faster than individual just due to the benefits avaialble.
Click to expand...

double digit percentage hikes almost every year, including the years before Obamacare was the grain of sand in your oyster. not sure about 2010 / 2011. no words you type will change this. my premiums have gone up at a ridiculous rate. part of the reason for this is that i chose the real, actual health insurance plan. they want fewer and fewer people to have real health insurance, and are trying to force us into HSA or super high deductible plans. i want coverage that is actually going to cover ****. that's more expensive for them, so they try to push me out of it.
 
tres borrachos said:
Sounds like your employer did a piss poor job of negotiating their employees' insurance benefits. I don't know of anyone whose employer insurance was increasing anywhere near that amount in the last decade. And we all have the same system/entities/profit wants behind our insurance.
Click to expand...

see my additional explanation in the previous post.
 
ludin said:
where is the affordable part of this again?

just wait for the employer mandate to hit. prices are going to soar. my insurance went up 40% last year and i am going to hate to see how much it goes up this yeaer.
i will be lucky to get a 3% raise this year. even though i was only .5 points off the maximum allowed for my review.

more than likely i will get a 2.5% raise. which might offset the increase from this year and next year.
Click to expand...



Ludin....you just don't get it.

When the progressive movement does anything, it labels it the reverse. "Wealth redistribution" is really just your money in my pocket, screw the poor. "Progressive" is pimping 75 year old failed ideas....and "affordable" means it won't cost so much I won't get re-elected, but you're still screwed. But you will pay for the KY through mandate
 
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