80 Million With Employer Health Care Plans Could Have Coverage Canceled

[dmcowen674]

11-27-2013

http://visiontoamerica.com/16305/80...alth-care-plans-could-have-coverage-canceled/

80 Million With Employer Health Care Plans Could Have Coverage Canceled80 Million With Employer Health Care Plans Could Have Coverage Canceled
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Their losses would be in addition to the millions who found their individual coverage cancelled for the same reason.

There are approximately 157 million employer health care policy holders.

​

 

[dmcowen674]

Good

Forcing more Americans into the Exchanges will make OBamaCare a success

 

[MiniDoom]

Good

Forcing more Americans into the Exchanges will make OBamaCare a success

not if they choose to pay the penalty.

 

[BoberFett]

Did Dave just come off a ban or something? He's filling up the P&N page.

 

[rudder]

Good

Forcing more Americans into the Exchanges will make OBamaCare a success

The 80 million people will be paying more and thus have less money to put into the economy. So far the people signing up for medicaid are outnumbering the private policies by a large margin. Seems like a lose lose deal to me. But people like you feel they are owed everything in life so I imagine you see success through a different lens.

 

[momeNt]

Good

Forcing more Americans into the Exchanges will make OBamaCare a success

Is it a success if that's not what they wanted?

Are you cheering for your team regardless of if its the best choice for Americans?

 

[momeNt]

The 80 million people will be paying more and thus have less money to put into the economy. So far the people signing up for medicaid are outnumbering the private policies by a large margin. Seems like a lose lose deal to me. But people like you feel they are owed everything in life so I imagine you see success through a different lens.

Is insurance suddenly not part of the economy?

Insurers employ people too you know.

 

[Londo_Jowo]

I thought they could keep their insurance if they liked it???

 

[IronWing]

Dave, do you have a legitimate source for the story? A Christian Right blog quoting the American Enterprise Institute's bald assertions doesn't score high on the credibility scale.

 

[dmcowen674]

Dave, do you have a legitimate source for the story? A Christian Right blog quoting the Free Enterprise Institute's bald assertions doesn't score high on the credibility scale.

There is a thing called Google, it's a Search Engine:

http://www.foxnews.com/politics/201...ion-predicted-tens-millions-would-lose-plans/


By Jim Angle
Published November 26, 2013FoxNews.com


Almost 80 million with employer health care plans could have coverage canceled, experts predict

The reason behind the losses is that current plans don't meet the requirements of ObamaCare, which dictate that each plan must cover a list of essential benefits, whether people want them or not.

"Things like maternity care or acupuncture or extensive drug coverage," said Veuger. "And so now the law is going to force them to buy policies that they could have gotten in the past if they wanted to but they chose not to."


Some plans already have been canceled and employers are getting sticker shock at the new, higher prices under ObamaCare.


One of them is David Allen, president of a company bearing his name in Boulder, Colorado.



He told a Congressional hearing recently that his carrier discontinued his company policy because it wasn't compliant with ObamaCare.


"It does not meet the minimum standards as stipulated under the law. Due to this one change," he said, "our premiums are now scheduled to increase by 52.3 percent in January 2014."

 

[Matt1970]

Good

Forcing more Americans into the Exchanges will make OBamaCare a success

Except for, you know, the part about how if you liked your plan you could keep it, or if you liked your doctor you could keep your doctor, or how it was going to reduce costs by $2500 for the average person.

All indications are that the Obama will have not lied to just a few million, or even 10 million, it is really starting to look like he lied too 100 million people.

 

[TridenT]

Dave, do you have a legitimate source for the story? A Christian Right blog quoting the American Enterprise Institute's bald assertions doesn't score high on the credibility scale.

Heh, and he follows it up with a foxnews article. Yeah, that's going to win.

 

[chucky2]

Isn't this somewhat disengenuous? I mean, I'm covered under a health plan I've chose from a list offered through my employer, it's BCBS Illinois. So the plan I'm under is not offered, but another plan is that will replace the one I had.

The only concern is does it cover at least what my previous plan covers, what is the cost differential, and do I get to keep my doctors?

If it does indeed cover everything my previous plan covered, costs less/the same/more but no more than what my current plan would have increased anyways, and I can keep my doctors, then what's the big deal?

Chuck

 

[fskimospy]

This is a really shady, biased piece. People are not losing their coverage, their coverage will just be different. If you want to talk about cost changes, etc, let's talk about that, but to say that 80 million people are going to lose their insurance is just stupid.

Then again, that's the sort of thing you get when you quote a piece from a group that describes itself like this:

Vision to America exists to help America return to our Founding Father’s vision for a Christian Republic. America was once a light to the world—a place that God blessed with liberty and prosperity. Today, Americans are taught that the Almighty State has all the answers. As a result, our God-given liberties are being traded for a false sense of security. It is our Vision to see Americans once again recognize that we are endowed by our Creator with certain unalienable rights and that this Creator is the God of the Bible.

 

[Matt1970]

This is a really shady, biased piece. People are not losing their coverage, their coverage will just be different. If you want to talk about cost changes, etc, let's talk about that, but to say that 80 million people are going to lose their insurance is just stupid.

Then again, that's the sort of thing you get when you quote a piece from a group that describes itself like this:

If they liked what they had, can they still keep it?

 

[sactoking]

Stories like this both are and are not disingenuous. Yes, the coverage going away is likely to replaced with other coverage, and it may be comparable. But it also may not be comparable, it may be drastically different. In those cases the insured did "lose" their coverage if they can't find something comparable.

Example: Our individual market in 2013 was something like 90% PPO, 10% HMO (by enrollment). We don't know what 2014 enrollment will be yet, but it is ~85% HMO, 15% PPO, by offering. There are no PPO plans on our exchange. If I lose my PPO and am forced to go to an HMO is that "comparable?" Did I "lose" my coverage? The answers are not hard-and-fast but I think a legitimate case can be made for 'yes'.

 

[fskimospy]

Stories like this both are and are not disingenuous. Yes, the coverage going away is likely to replaced with other coverage, and it may be comparable. But it also may not be comparable, it may be drastically different. In those cases the insured did "lose" their coverage if they can't find something comparable.

Example: Our individual market in 2013 was something like 90% PPO, 10% HMO (by enrollment). We don't know what 2014 enrollment will be yet, but it is ~85% HMO, 15% PPO, by offering. There are no PPO plans on our exchange. If I lose my PPO and am forced to go to an HMO is that "comparable?" Did I "lose" my coverage? The answers are not hard-and-fast but I think a legitimate case can be made for 'yes'.

Absolutely right. That's not what this piece is saying though.

 

[boomerang]

Isn't this somewhat disengenuous? I mean, I'm covered under a health plan I've chose from a list offered through my employer, it's BCBS Illinois. So the plan I'm under is not offered, but another plan is that will replace the one I had.

The only concern is does it cover at least what my previous plan covers, what is the cost differential, and do I get to keep my doctors?

If it does indeed cover everything my previous plan covered, costs less/the same/more but no more than what my current plan would have increased anyways, and I can keep my doctors, then what's the big deal?

Chuck

Will it be a big deal if it all things being equal it also increases your deductible and your out of pocket costs?

Is it all about you and screw everybody else? I ask because the compassionate, kind and caring liberal appears to have gone the way of the dodo. Your post centers around you. I see nothing that even hints at compassion for the consequences of Obamacare on others.

 

[michal1980]

Absolutely right. That's not what this piece is saying though.

Piece is right. Your just invested in people losing their coverage. So they can be put on government controlled plans.

 

[werepossum]

Is it a success if that's not what they wanted?

Are you cheering for your team regardless of if its the best choice for Americans?

Hilary announced long ago that the Democrats are at war with the "cult of the individual". This is merely more of the same, ergo what the individual wants is irrelevant. The bureaucrats always know best.

Stories like this both are and are not disingenuous. Yes, the coverage going away is likely to replaced with other coverage, and it may be comparable. But it also may not be comparable, it may be drastically different. In those cases the insured did "lose" their coverage if they can't find something comparable.

Example: Our individual market in 2013 was something like 90% PPO, 10% HMO (by enrollment). We don't know what 2014 enrollment will be yet, but it is ~85% HMO, 15% PPO, by offering. There are no PPO plans on our exchange. If I lose my PPO and am forced to go to an HMO is that "comparable?" Did I "lose" my coverage? The answers are not hard-and-fast but I think a legitimate case can be made for 'yes'.

I think the only thing for sure at this point is that Obama for years was intentionally telling some whoppers to the American people, a majority of whom were dumb enough to believe. At this point I don't think anyone knows what's going to come in American health care except it aint gonna be pretty.

Absolutely right. That's not what this piece is saying though.

The article says they will have their coverage canceled, which is accurate. It does not claim they will be unable to get new coverage or have a gap in coverage, merely that their existing plans will be cancelled. As is pointed out in the article, this is based on the administration's own projections. It's part of the plan.

Avik Roy of the Manhattan Institute added, “the administration estimated that approximately 78 million Americans with employer sponsored insurance would lose their existing coverage due to the Affordable Care Act.”

For myself, Obamacare has already raised my deductible by $1,000. Obama and the Congressional Democrats are literally protecting me from having too good an insurance plan. Oddly enough, they all have much better health insurance funded by taxpayers like me. Go figure.

 

[IronWing]

My employer sponsored health insurance plan changed radically twice during the Bush administration. It hadn't occurred to me to blame Bush for that. That damn Bush.

 

[tracerbullet]

So, a Fox News article says something "could" happen, and anyone cares? Is this the kind of stuff you guys go on about in the P&N section?

 

[Doc Savage Fan]

My employer sponsored health insurance plan changed radically twice during the Bush administration. It hadn't occurred to me to blame Bush for that. That damn Bush.

Yep...the changes we're seeing now have absolutely nothing to do with Obamacare. Fuck Bush!

 

[IronWing]

Yep...the changes we're seeing now have absolutely nothing to do with Obamacare. Fuck Bush!

Many of the changes in employer plans don't have anything to do with Obamacare. The insurance industry is forever trying out new ways to screw people.

 

[shady28]

My employer sponsored health insurance plan changed radically twice during the Bush administration. It hadn't occurred to me to blame Bush for that. That damn Bush.

That's because Bush didn't cause the changes, your employer \ insurer did.

However, this time around it's somewhat indistinguishable. My employer used to offer a 'catastrophic' coverage plan, and no longer offers that due to ACA. The lowest plan is now double the cost of that plan.

I was not on that catastrophic plan, yet my old plan disappeared and the new and most comparable plan is about 33% higher cost. That also happens to be the lowest cost option offered now. The main difference is that the deductible is lower, but there are also a bunch of things I consider to be 'discretionary' on the new plan that weren't on the old plan.

So yes, I have often thought that tens of millions on employer plans who had employer subsidized 'catastrophic' or 'major illness' type plans would effectively have their plans 'cancelled' and be forced on higher premiums due to ACA.

In my case, that's $600 / yr that I won't be spending on something other than healthcare. One way of seeing that in comparison is that the avg household expects to spend ~$725 on gifts for the holidays.

I cannot imagine having tens of millions take that hit in discretionary income and not having a negative effect on at least some sectors of the economy.