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• • •  BACON • • •  - 2cats - Apr 17, 2014 - 6:30am
 
Tragedy at Virginia Tech - Coaxial - Apr 17, 2014 - 5:48am
 
OBAMACARE - sirdroseph - Apr 17, 2014 - 4:53am
 
The Global War on Terror - sirdroseph - Apr 17, 2014 - 4:26am
 
Photography Forum - Your Own Photos; Please Limit to 510 ... - Alchemist - Apr 16, 2014 - 11:33pm
 
Things that make you go Hmmmm..... - BlueHeronDruid - Apr 16, 2014 - 5:42pm
 
The Dragons' Roost - buzz - Apr 16, 2014 - 5:03pm
 
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Index » Radio Paradise/General » General Discussion » OBAMACARE Page: 1, 2, 3 ... 54, 55, 56  Next
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sirdroseph
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Posted: Apr 17, 2014 - 4:53am

Want Useful Data on Obamacare? The Census Bureau Won’t Help You.

Love these last 2 paragraphs because this is what I surmise is the most objective and accurate description on this legislations legacy:
 

Because as it stands now, we simply won't have the robust information set we need to confidently assess the impact of the Affordable Care Act on the uninsured over time. Nor will we have a good picture of exactly how Obamacare is affecting various types of coverage—the particular ways in which people are, or aren't, accessing health insurance under the law.

These aren't the sort of questions you can answer based on first principles, or what feels right. You need robust measurements. Solid Census Bureau data, taken consistently over time, would have helped answer these questions. But it appears that's not something we’re going to have. Instead, we'll be left with ongoing arguments and unanswered questions, especially if the administration continues to keep mum on other critical unanswered questions about the law. A decade from now, we'll be able to definitively determine that Obamacare was a thing, that happened, and did something, and cost some money. But that may be as much as we can know.


2cats

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Posted: Apr 16, 2014 - 2:46pm

I just got my free annual check up plus blood work and a $200 refund.  Not sure where the $200 comes from, but I do have private insurance for around $400 a month.  I used to get it free before I retired.  Now they take it out of my retirement check.  But, thanks OBAMACARE for the free check up.
 
ScottFromWyoming
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Posted: Apr 16, 2014 - 7:08am

 islander wrote:
Our base (cheapest plan) is $130.33/mo for a 21 year old, but $615.75 a month for 65+, and $271.06 for a 42 year old.  The plan I'm on is $250.25 for a 21 year old and $1182.30 for 65+, but this plan covers everything and has cheap co-pays. 

 
The "plan" I'm on is 80% paid by my employer; my share is about $90. $5000 deductible, After that they pay 80/20 until I've paid out 8000 for a total OOP of 13k. IIRC.


kurtster
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Posted: Apr 16, 2014 - 6:28am

aflanigan wrote: in another thread
This is just disgusting.

Virginia is Broken

  
Doesn't this beg the question why the gap was built into the ACA in the first place ?

It would have been much simpler better if the there was no gap. 
kurtster
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Posted: Apr 3, 2014 - 12:18pm

 islander wrote:

So executive orders invalidate law?  
  
Yes.  Presidential ones do.

 Can we go back to discrimination in hiring?  

  
No, but we aren't too far away from returning to it, but in a whole new way.

Should I be worried about Canada respecting the sovereignty of my boat because it flies a flag prescribed by executive order? 

  
I dunno, they're still our friends, eh ?  
helenofjoy
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Posted: Apr 3, 2014 - 12:12pm

The tide seems to be turning.
olivertwist

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Location: Atlanta GA
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Posted: Apr 3, 2014 - 11:59am

 islander wrote:

I also cover 75% of the premiums for my crew, so they only see 25% of that cost. I'm hoping to move that to 100% soon.  

ACA has something to do with this because it's something they all have to comply with. But the cost of insurance (even when it was just group plans) has gone up anywhere from 7 to 30% or more annually every year for the last 8 years that I've been directly involved with it, and that wasn't a dramatic change from prior years when I was just a customer.  It's been hard to search and negotiate to keep rates for our company in the 10% or less annual increase range. The age banding is going to make this more noticable because in addition to the annual price increases, you will advance on the age band scale as well. 

 

 Yup, no getting around that, and it beats the alternative!
islander
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Posted: Apr 3, 2014 - 11:55am

 olivertwist wrote:

That's a much more generous health package than most companies provide. {#Cheers} to you.
Yup, and my age, now than I'm in the late 40's and higher bracket, is part of the reason I'm seeing my premium go up. Still, not to be a broken record, but ACA has something to do with it too (the Blue Cross agent I spoke to said as much. He was surpisingly forthright).

 
I also cover 75% of the premiums for my crew, so they only see 25% of that cost. I'm hoping to move that to 100% soon.  

ACA has something to do with this because it's something they all have to comply with. But the cost of insurance (even when it was just group plans) has gone up anywhere from 7 to 30% or more annually every year for the last 8 years that I've been directly involved with it, and that wasn't a dramatic change from prior years when I was just a customer.  It's been hard to search and negotiate to keep rates for our company in the 10% or less annual increase range. The age banding is going to make this more noticable because in addition to the annual price increases, you will advance on the age band scale as well. 
islander
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Posted: Apr 3, 2014 - 11:50am

 sirdroseph wrote:


Call it what you will, my point is ACA or no ACA until they address the ridiculous cost of healthcare and pharmaceuticals and get the greedy for profit insurance companies out of the equation to permit decent coverage for your way overpriced plan, it is all moot plain and simple no matter how much money the government wants to waste saying they are doing something for us, yea they are doing something for us alright.{#Rolleyes}

 
Well, the ACA does include a medical loss ration that requires that a certain percentage of premiums be spent on health care. This doesn't really address the cost of health care, but it does limit the administrative cost and profit in the insurance sector - so there's 1 out of 3.
olivertwist

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Posted: Apr 3, 2014 - 11:49am

 islander wrote:

Age banding is something that has been coming for years. Along with the constant increases in price that have been wrongly attributed to ACA. The ACA is new enough that I don't think we have a good feel for the impact on pricing yet (this is year one for most ACA compliant plans). I've been doing health insurance for my company for years and I've been struggling to avoid double digit increases most years. I haven't had an increase in rates that wasn't at least 2X the CPI ever. 

You age may be a component in what you are seeing. The age banding has dramatically increased the rates for people who are in their late 40s or older. Our base (cheapest plan) is $130.33/mo for a 21 year old, but $615.75 a month for 65+, and $271.06 for a 42 year old.  The plan I'm on is $250.25 for a 21 year old and $1182.30 for 65+, but this plan covers everything and has cheap co-pays. 

 
That's a much more generous health package than most companies provide. {#Cheers} to you.
Yup, and my age, now than I'm in the late 40's and higher bracket, is part of the reason I'm seeing my premium go up. Still, not to be a broken record, but ACA has something to do with it too (the Blue Cross agent I spoke to said as much. He was surpisingly forthright... Edit: I think he was anyway {#Confused}).


islander
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Posted: Apr 3, 2014 - 11:45am

 kurtster wrote:

A law than has been edited by discretionary Executive Order some 30 plus times, so far.

So much for the law.  There is no law anymore. 

.
Edit:  To call the ACA a law anymore is an insult to intelligent people.

 
So executive orders invalidate law?  Can we go back to discrimination in hiring?  Should I be worried about Canada respecting the sovereignty of my boat because it flies a flag prescribed by executive order? 
sirdroseph
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Posted: Apr 3, 2014 - 11:44am

 islander wrote:

Age banding is something that has been coming for years. Along with the constant increases in price that have been wrongly attributed to ACA. The ACA is new enough that I don't think we have a good feel for the impact on pricing yet (this is year one for most ACA compliant plans). I've been doing health insurance for my company for years and I've been struggling to avoid double digit increases most years. I haven't had an increase in rates that wasn't at least 2X the CPI ever. 

You age may be a component in what you are seeing. The age banding has dramatically increased the rates for people who are in their late 40s or older. Our base (cheapest plan) is $130.33/mo for a 21 year old, but $615.75 a month for 65+, and $271.06 for a 42 year old.  The plan I'm on is $250.25 for a 21 year old and $1182.30 for 65+, but this plan covers everything and has cheap co-pays. 

 

Call it what you will, my point is ACA or no ACA until they address the ridiculous cost of healthcare and pharmaceuticals and get the greedy for profit insurance companies out of the equation to permit decent coverage for your way overpriced plan, it is all moot plain and simple no matter how much money the government wants to waste saying they are doing something for us, yea they are doing something for us alright.{#Rolleyes}
islander
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Posted: Apr 3, 2014 - 11:36am

 olivertwist wrote:


Yes, good points. I was astounded that one of the plans on the healthcare.gov site had a $6,000 deductible and only paid for 65% of hospital care. If I recall correctly, that plan was $250 per month for someone my age. The only person who would sign up for that would be someone who couldn't afford anything better, and was probably doing so to comply with ACA, and he or she would probably go bankrupt if they ever required serious care. How is such an option even allowed to be part of a government plan?

 
Age banding is something that has been coming for years. Along with the constant increases in price that have been wrongly attributed to ACA. The ACA is new enough that I don't think we have a good feel for the impact on pricing yet (this is year one for most ACA compliant plans). I've been doing health insurance for my company for years and I've been struggling to avoid double digit increases most years. I haven't had an increase in rates that wasn't at least 2X the CPI ever. 

You age may be a component in what you are seeing. The age banding has dramatically increased the rates for people who are in their late 40s or older. Our base (cheapest plan) is $130.33/mo for a 21 year old, but $615.75 a month for 65+, and $271.06 for a 42 year old.  The plan I'm on is $250.25 for a 21 year old and $1182.30 for 65+, but this plan covers everything and has cheap co-pays. 
kurtster
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Posted: Apr 3, 2014 - 10:54am

 islander wrote:

Um, rhetorical flourish aside, we are talking about something that is specifically a law. 

 
A law than has been edited by discretionary Executive Order some 30 plus times, so far.

So much for the law.  There is no law anymore. 

.
Edit:  To call the ACA a law anymore is an insult to intelligent people.


islander
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Posted: Apr 3, 2014 - 10:46am

 kurtster wrote:


And who cares if one gets a subsidy for something no one will accept ?  This is criminal at best.

 
Um, rhetorical flourish aside, we are talking about something that is specifically a law. 
kurtster
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Posted: Apr 3, 2014 - 10:39am

 ScottFromWyoming wrote:

That's different from now, how?

 
The old standard of acceptable catastrophic coverage was 80 / 20.  That is where Medicare is.  And it is getting harder and harder to find providers accepting Medicare.

A 65 / 35 split is downright laughable and then toss in a $6 k deductible ?  WTF does the formulary look like ?  I thought that one of the points of the Affordable Care Act was to eliminate these types of coverages.  

And who cares if one gets a subsidy for something no one will accept ?  This is criminal at best.

Once again the bait and switch is full on.  People think that because they have insurance, there will be plenty of people someone who will accept it.  If no one accepts it, what good is it ?  Not even Dr Nick Riviera would accept such an awful plan.

olivertwist

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Posted: Apr 3, 2014 - 10:09am

 bokey wrote:

Hopefully Hillary can fix this mess in 2016.Until then it appears the only choice now is to not get sick.

 
Or not fall down the stairs, get hit by a careless driver, etc. etc.

Go Hillary! She DID have the right idea.
  
bokey
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Posted: Apr 3, 2014 - 9:32am

 sirdroseph wrote:


I think it is bigger than who is President unfortunately. 

 
My way of thinking is it's always been her pet project and she has the chips to cash in(and knows where the bodies are buried {#Lol}).I figure if she can't pull it off,nobody can.
oldviolin
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Posted: Apr 3, 2014 - 9:26am

 bokey wrote:

Hopefully Hillary can fix this mess in 2016.Until then it appears the only choice now is to not get sick.

 
{#Roflol}
sirdroseph
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Posted: Apr 3, 2014 - 9:20am

 bokey wrote:

Hopefully Hillary can fix this mess in 2016.Until then it appears the only choice now is to not get sick.

 

I think it is bigger than who is President unfortunately. 
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