Obamacare premiums going way up for many (22% on average)

[Hayabusa Rider]

Dismissed because Trump wants to repeal Obamacare, meaning medical information can then be used against you in insurance underwriting and employment.
Once we have universal single payer, then we can take a look at what you are proposing to further reduce costs.

So we decide to trust Trump and Hillary fold who can't even run a decent and competent election to rule the health of others and make decisions in complete ignorance? You mention other nations. When they have Trump vs. Hillary and various military adventures let me know. When the Pentagon gets its act together with the F-35 same.

This isn't Sweden and not taking advantage of superior means because they don't hardly addresses the need for such a huge nation that spans many time zones and has demographics varying far beyond any nation you can name.

 

[agent00f]

You beat me to it and looked good doing it.

No, I'd say you got that grade school "I know you are but what am I" retort down pat and evidently pretty proud of it.

 

[Hayabusa Rider]

Dismissed because Trump wants to repeal Obamacare, meaning medical information can then be used against you in insurance underwriting and employment.
Once we have universal single payer, then we can take a look at what you are proposing to further reduce costs.

You keep ignoring the fact that the data exists and is in the hands of the insurance companies. You won't get that back regardless of Obamacare. It could however be used to benefit people. I believe you are or were a Silicon Valley type. Are they so dim that they can't link a system for the benefit of people? Obamacare is irrelevant to the fact that there would be nothing new for insurance companies, just patients and practitioners. Don't hold Trump's win against a better way of doing things.

 

[IronWing]

No, I'd say you got that grade school "I know you are but what am I" retort down pat and evidently pretty proud of it.

^^ Did the twins get together and make a love child?

 

[agent00f]

^^ Did the twins get together and make a love child?

This is a big part of why clinton lost. Ask questions if that's unclear.

 

[hal2kilo]

Let's just throw people back to the ER and let God sort it out. We could have worked this thing out but you know that politic thing that Repubs do so well. Their plan was nothing more than to kill it not because they knew there were things that could be done to fix some of ACA problems. But for the Repubs it's been much better for you to let this thing fester and fail. Cause that would have made Dems looks good and we can't have that. Obstructing seems to work for the Repubs, Dems need to polish up on their techniques.

 

[theeedude]

You keep ignoring the fact that the data exists and is in the hands of the insurance companies. You won't get that back regardless of Obamacare. It could however be used to benefit people. I believe you are or were a Silicon Valley type. Are they so dim that they can't link a system for the benefit of people? Obamacare is irrelevant to the fact that there would be nothing new for insurance companies, just patients and practitioners. Don't hold Trump's win against a better way of doing things.

If insurance companies have data, let them mine it and make it available to physicians in their network with patient permission. I love how Republicans don't even trust a federal ID card, but want to have a federal database of people's every interaction with health care system. In the age of hacking and return of medical underwriting, no thanks. Do you want to risk having your health info on WikiLeaks for every potential employer to read and decide if they want to hire you and pay for your insurance? Not me.

 

[1prophet]

Insurance from work is part of an employee's compensation package, which any sort of business owner should ostensibly be aware of.

Also just a heads up that people don't have to be angry to mock you, even if you are. In this case all they have to do is lay out the reality of the situation, which understandably makes you mad.

the total cost of the insurance is $12,000 a year of which the employee pays $100 a month and the employer pays $900 a month,

the employee now decides to go on their spouses insurance and asks the employer to drop coverage, does the employee now get $100 a month or $1000 more in their paycheck?

 

[OverVolt]

And the cadillac tax is tied to the CPI. Who needs to repeal a law that will implode on its own?

By cadillac tax you mean a middle class family of four in 2025?

 

[MrSquished]

this reminds me I need to call the Healthcare Marketplace and get my plan for 2017. Until Trump takes my plan away.

 

[Hayabusa Rider]

If insurance companies have data, let them mine it and make it available to physicians in their network with patient permission. I love how Republicans don't even trust a federal ID card, but want to have a federal database of people's every interaction with health care system. In the age of hacking and return of medical underwriting, no thanks. Do you want to risk having your health info on WikiLeaks for every potential employer to read and decide if they want to hire you and pay for your insurance? Not me.

I'm not a Republican. I'm a health care pro that has seen what does and what does not work. All this information exists in digital records and connecting to them can save lives. You are being obstructionist because your favored program which has nothing to do with health care proper is in danger. Let people suffer because they don't like your plan?

So be it, but not all of us are dead set against improvement not sanctioned by you or another party first.

 

[agent00f]

the total cost of the insurance is $12,000 a year of which the employee pays $100 a month and the employer pays $900 a month,

the employee now decides to go on their spouses insurance and asks the employer to drop coverage, does the employee now get $100 a month or $1000 more in their paycheck?

Try pondering where you expect this sort of pedantry to get you.

 

[highland145]

No, I'd say you got that grade school "I know you are but what am I" retort down pat and evidently pretty proud of it.

Come on, Stan. You were good for 100+ words/post. WTH?


Oh, you sneaky devil, you checked out an anger management program... C'est la vie but I'm going to have to quite you. Welcome to ignore.

 

[agent00f]

Come on, Stan. You were good for 100+ words/post. WTH?


Oh, you sneaky devil, you checked out an anger management program... C'est la vie but I'm going to have to quite you. Welcome to ignore.

Not sure how you expect anyone to believe you're some sort of legit business operator when you mouth off like a typical trailer resident.

 

[local]

Our open enrollment at my company just started.

2016/2017
80-20 Plan
Individual Deductable $3,000/$2,500
Family Deductable $6,000/$5,000
OoP Max Individual $3,200/$7,150
OoP Max Family $9,600/$14,300
Office Visits $35/$25
Specialty $70/$50
ER $250/$300

Weekly Premium $165/$205

Approximately a 24% increase and that is before the $4,700 increase in max out of pocket. Company payments stayed at the same 60/40 split it was last year. Do people actually think that this can continue for much longer?

 

[highland145]

Our open enrollment at my company just started.

2016/2017
80-20 Plan
Individual Deductable $3,000/$2,500
Family Deductable $6,000/$5,000
OoP Max Individual $3,200/$7,150
OoP Max Family $9,600/$14,300
Office Visits $35/$25
Specialty $70/$50
ER $250/$300

Weekly Premium $165/$205

Approximately a 24% increase and that is before the $4,700 increase in max out of pocket. Company payments stayed at the same 60/40 split it was last year. Do people actually think that this can continue for much longer?

Sure. You're paying your "fair" share to insure the uninsured. Perfectly acceptable and affordable. Just wait until your company stops paying their %. Kind of makes you giddy, right?

 

[local]

Sure. You're paying your "fair" share to insure the uninsured. Perfectly acceptable and affordable. Just wait until your company stops paying their %. Kind of makes you giddy, right?

I tried to get them to cancel it entirely. Going through Obamacare would get me an equivalent plan for about half the cost if I could get a subsidy. But no, they just keep providing insurance. I don't like Obamacare, poorly planned and implemented imo, but I would damn sure use it if I could get a benefit.

 

[lopri]

We will see what the alternative is when Trump moves to repeal and replace it.

 

[highland145]

@local

Can you get a subsidy? Financially, it would make more sense for them to let you. Might be the pesky "more than 50 employees" thing....

Employers with 50 or more full-time employees, including full-time equivalents, that do not offer health insurance to their full-time employees (those working 30+ hours/week) and their dependents, or that offer coverage that is not affordable or that does not provide minimum value, may be required to pay an assessment if at least one of their full-time employees receives a premium tax credit to purchase coverage in the new individual Marketplace. Refer to the IRS’s ALE Information Center for the latest information on the Employer Shared Responsibility rules.

 

[local]

@local

Can you get a subsidy? Financially, it would make more sense for them to let you. Might be the pesky "more than 50 employees" thing....

Employers with 50 or more full-time employees, including full-time equivalents, that do not offer health insurance to their full-time employees (those working 30+ hours/week) and their dependents, or that offer coverage that is not affordable or that does not provide minimum value, may be required to pay an assessment if at least one of their full-time employees receives a premium tax credit to purchase coverage in the new individual Marketplace. Refer to the IRS’s ALE Information Center for the latest information on the Employer Shared Responsibility rules.

Construction company, ~500 employees. Of which I'd say over 400 are field employees making around $20/hr on average. I'm sure the vast majority of them are only getting insurance on themselves which is $35/wk and not bad at all. A sheetmetal mechanic making $16/hr simply cannot afford $205/wk. Per the .gov website I qualify for a $1k/mo discount but don't since my employer offers insurance.

I just did the math, this year health insurance will cost a few dollars more than my mortgage, property tax and home insurance combined. It is now my #1 expense. (Yes I know there are tax benefits involved but not sure exactly where that puts the final number)

 

[sactoking]

Construction company, ~500 employees.

Then you have large group insurance. Obamacare had very little effect on large group insurance. You're just getting hosed by your employer.

 

[local]

Then you have large group insurance. Obamacare had very little effect on large group insurance. You're just getting hosed by your employer.

So the employer is hosing me by not increasing its contribution ratio? I cannot fault them for paying the same percentage. We have an employee with a kid in 24/7 critical care and at least one person that got cancer last year. Are you saying that it is the employers fault for not firing them? We also have a quickly aging workforce, average age is in the late 50's now should they start letting the older people go to reduce our average age? No, in all these cases it is the employer that is NOT hosing the employees.

 

[OverVolt]

this reminds me I need to call the Healthcare Marketplace and get my plan for 2017. Until Trump takes my plan away.

Thats silly because there were actually better plans and more options before Obamacare exchanges.

 

[MrSquished]

obamacare sign-ups going up

http://www.usatoday.com/story/news/...purs-record-obamacare-signups-month/93590056/

 

[MrSquished]

Thats silly because there were actually better plans and more options before Obamacare exchanges.

Where do you see that. I look at NJ healthcare plans from 2008 and they are not better than what I see on the insurance marketplace.

http://www.nj.gov/dobi/division_insurance/ihcseh/histrates/eoy2008rates.pdf