View Full Version : Millions who buy health insurance brace for sharp increases
Krugminator2
09-04-2017, 08:23 AM
https://finance.yahoo.com/news/millions-buy-health-insurance-brace-sharp-increases-075055785--finance.html
Millions of people who buy individual health insurance policies and get no financial help from the Affordable Care Act are bracing for another year of double-digit premium increases, and their frustration is boiling over.Some are expecting premiums for 2018 to rival a mortgage payment.
What they pay is tied to the price of coverage on the health insurance markets created by the Obama-era law, but these consumers get no protection from the law's tax credits, which cushion against rising premiums. Instead they pay full freight and bear the brunt of market problems such as high costs and diminished competition.
On Capitol Hill, there's a chance that upcoming bipartisan hearings by Sens. Lamar Alexander, R-Tenn., and Patty Murray, D-Wash., can produce legislation offering some relief. But it depends on Republicans and Democrats working together despite a seven-year health care battle that has left raw feelings on both sides.
The most exposed consumers tend to be middle-class people who don't qualify for the law's income-based subsidies. They include early retirees, skilled tradespeople, musicians, self-employed professionals, business owners, and people such as Sharon Thornton, whose small employer doesn't provide health insurance.
"We're caught in the middle-class loophole of no help," said Thornton, a hairdresser from Newark, Delaware. She said she's currently paying about $740 a month in premiums, and expects her monthly bill next year to be around $1,000, a 35 percent increase.
"It's like buying two new iPads a month and throwing them in the trash," said Thornton, whose policy carries a deductible of $6,000. "To me, $1,000 a month is my beach house that I wanted to have."
A suggestion that she could qualify for financial assistance by earning less only irritates her more. "My whole beef is that the government is telling me: 'If you work less, we'll give you more,'" said Thornton, who's in her 50s.
On this Labor Day, I'm looking forward to another year of "paying my fair share."
acptulsa
09-04-2017, 09:05 AM
The fines for opting out never get that high--and now they're suspended. Unless you have a condition or are addicted to pharmaceuticals...
https://upload.wikimedia.org/wikipedia/commons/4/40/Photograph_of_Mrs._Reagan_speaking_at_a_%22Just_Sa y_No%22_Rally_in_Los_Angeles_-_NARA_-_198584.jpg
Krugminator2
09-04-2017, 09:34 AM
The fines for opting out never get that high--and now they're suspended. Unless you have a condition or are addicted to pharmaceuticals...
No thanks. I prefer not to go bankrupt if I get cancer or have some sort of accident. I would rather (unhappily) pay a few thousand more a year.
Anti Federalist
09-04-2017, 09:42 AM
No thanks. I prefer not to go bankrupt if I get cancer or have some sort of accident. I would rather (unhappily) pay a few thousand more a year.
Got bad news for you...that's liable to happen even if you do pay your $1000 a month protection vyigrysh to the insurance mafia.
$12000 a year for lousy "insurance" that will bankrupt you even if you do carry it...no, I think I will just die instead.`
Pity us Mundanes can't get the same health care our rulers get.
And we wonder why there are Bolshevik/Jacobin hordes in the streets of the US.
Anti Federalist
09-04-2017, 09:43 AM
This all could have gone away.
Fuck you John McCain.
Drink bleach and die, you fucking piece of shit.
specsaregood
09-04-2017, 09:47 AM
Obamacare seems like it was specifically targeted to fuck over self-employeed and small business folk. Its too bad Randal hasn't gotten any traction with his group health proposal. Esp. since last I heard he had determined that Trump could do it without congress, via executive order.
Krugminator2
09-04-2017, 09:51 AM
G
Pity us Mundanes can't get the same health care our rulers get.
You realize Congress does get insurance through the Obamacare exchanges now, right? The caps are going to be the same only the deductibles may or may not be different. Congress actually has worse coverage than Medicare as noted by the efforts of Senators Paul and Lee a few years back. http://thehill.com/policy/healthcare/216303-gop-medicare-bill-would-enroll-seniors-into-lawmakers-plans
Anti Federalist
09-04-2017, 09:55 AM
You realize Congress does get insurance through the Obamacare exchanges now, right? The caps are going to be the same only the deductibles may or may not be different. Congress actually has worse coverage than Medicare as noted by the efforts of Senators Paul and Lee a few years back. http://thehill.com/policy/healthcare/216303-gop-medicare-bill-would-enroll-seniors-into-lawmakers-plans
Mmmm...fuck them anyways.
If I had my way...
In any case, you'll not convince me that I get the same access to the same quality of doctors and healthcare that a congressman gets.
Anti Federalist
09-04-2017, 09:57 AM
Obamacare seems like it was specifically targeted to fuck over self-employeed and small business folk. Its too bad Randal hasn't gotten any traction with his group health proposal. Esp. since last I heard he had determined that Trump could do it without congress, via executive order.
Of course it was.
There has been a war on the independent, self employed person for years now.
specsaregood
09-04-2017, 10:00 AM
Of course it was.
There has been a war on the independent, self employed person for years now.
having been such for well over a decade, I'd have to agree. I really like Randals health group proposal, I think it would go a long ways to helping those people.
Anti Federalist
09-04-2017, 10:07 AM
having been such for well over a decade, I'd have to agree. I really like Randals health group proposal, I think it would go a long ways to helping those people.
It was reasonable, doable, planned by a doctor and would enhance individual opportunity.
So of course, it went nowhere.
Pauls' Revere
09-04-2017, 10:10 AM
No thanks. I prefer not to go bankrupt if I get cancer or have some sort of accident. I would rather (unhappily) pay a few thousand more a year.
Is the market more competitive than it was before?
phill4paul
09-04-2017, 10:13 AM
Mmmm...fuck them anyways.
If I had my way...
In any case, you'll not convince me that I get the same access to the same quality of doctors and healthcare that a congressman gets.
Pretty sure these fat cats get better healthcare than you or I.
Congress Is Now Mostly A Millionaires’ Club :http://time.com/373/congress-is-now-mostly-a-millionaires-club/
Pauls' Revere
09-04-2017, 10:55 AM
https://www.yahoo.com/finance/news/frustration-mounts-over-premiums-individual-120517040.html
Some are expecting premiums for 2018 to rival a mortgage payment.
What they pay is tied to the price of coverage on the health insurance markets created by the Obama-era law, but these consumers get no protection from the law's tax credits, which cushion against rising premiums. Instead they pay full freight and bear the brunt of market problems such as high costs and diminished competition.
timosman
09-04-2017, 10:58 AM
...early retirees...
No early retirement for you.:cool:
Anti Federalist
09-04-2017, 11:20 AM
https://www.yahoo.com/finance/news/frustration-mounts-over-premiums-individual-120517040.html
Some are expecting premiums for 2018 to rival a mortgage payment.
What they pay is tied to the price of coverage on the health insurance markets created by the Obama-era law, but these consumers get no protection from the law's tax credits, which cushion against rising premiums. Instead they pay full freight and bear the brunt of market problems such as high costs and diminished competition.
I have employer "paid" insurance for a family health/dental plan of four.
Total cost so far this year is (rounded) $1400 a month.
I am on the hook for $400 a month of that, my employer pays the other $1000.
That's $1000 a month in wages or other benefits lost.
There is a $6000 deductible, and lifetime benefit caps that would quickly get exceeded in the event of catastrophic or multiple illnesses. I have a "grandfathered" plan, that is not supposed to ban lifetime caps, but in looking it over closely, it seems that it does, in some cases, and not in others, so I better hope I get the right kind of sick.
My mortgage is $800 a month.
This is unsustainable, the cum drunk sluts in DC and especially the worthless, feckless, spineless, dickless GOP, know this.
They know this will pave the way for universal "single payer" government health care, which is what they wanted all along, because it will be the ultimate weapon of control.
tod evans
09-04-2017, 11:59 AM
I have employer "paid" insurance for a family health/dental plan of four.
Total cost so far this year is (rounded) $1400 a month.
I am on the hook for $400 a month of that, my employer pays the other $1000.
That's $1000 a month in wages or other benefits lost.
There is a $6000 deductible, and lifetime benefit caps that would quickly get exceeded in the event of catastrophic or multiple illnesses.
My mortgage is $800 a month.
This is unsustainable, the cum drunk sluts in DC and especially the worthless, feckless, spineless, dickless GOP, know this.
They know this will pave the way for universal "single payer" government health care, which is what they wanted all along, because it will be the ultimate weapon of control.
Only if the ill are spineless....
There is nothing more dangerous than a man with nothing to lose...
otherone
09-04-2017, 12:16 PM
Got bad news for you...that's liable to happen even if you do pay your $1000 a month protection vyigrysh to the insurance mafia.
$12000 a year for lousy "insurance" that will bankrupt you even if you do carry it...no, I think I will just die instead.`
Pity us Mundanes can't get the same health care our rulers get.
And we wonder why there are Bolshevik/Jacobin hordes in the streets of the US.
Not because of healthcare, clearly. Unless they're over 25 and have to pay for it themselves.
http://i.imgur.com/ziGIa7W.jpg
Pauls' Revere
09-04-2017, 03:57 PM
I have employer "paid" insurance for a family health/dental plan of four.
Total cost so far this year is (rounded) $1400 a month.
I am on the hook for $400 a month of that, my employer pays the other $1000.
That's $1000 a month in wages or other benefits lost.
There is a $6000 deductible, and lifetime benefit caps that would quickly get exceeded in the event of catastrophic or multiple illnesses.
My mortgage is $800 a month.
This is unsustainable, the cum drunk sluts in DC and especially the worthless, feckless, spineless, dickless GOP, know this.
They know this will pave the way for universal "single payer" government health care, which is what they wanted all along, because it will be the ultimate weapon of control.
Its designed to fail for that purpose only. Just wait until the single payer system hits the ground running. Imagine, how much money is tied up in the healthcare needs of the Boomer generation and the taxes that can be garnished from that. Two kinds of people in healthcare, ranch hands and cattle.
Madison320
09-04-2017, 04:06 PM
I have employer "paid" insurance for a family health/dental plan of four.
Total cost so far this year is (rounded) $1400 a month.
I am on the hook for $400 a month of that, my employer pays the other $1000.
That's $1000 a month in wages or other benefits lost.
There is a $6000 deductible, and lifetime benefit caps that would quickly get exceeded in the event of catastrophic or multiple illnesses.
My mortgage is $800 a month.
This is unsustainable, the cum drunk sluts in DC and especially the worthless, feckless, spineless, dickless GOP, know this.
They know this will pave the way for universal "single payer" government health care, which is what they wanted all along, because it will be the ultimate weapon of control.
I'm in a similar situation, luckily it's just me and my wife. But my is health insurance is by far my biggest monthly expense, since my mortgage is only $400.
I'm telling ya, in a few more years people will be begging for socialized health care.
Pauls' Revere
09-04-2017, 04:12 PM
I'm in a similar situation, luckily it's just me and my wife. But my is health insurance is by far my biggest monthly expense, since my mortgage is only $400.
I'm telling ya, in a few more years people will be begging for socialized health care.
Yep, top that with the fact that they want everything done and they want it done yesterday. Socialized medicine diminishes the personal value and contribution a person pays into it. Same way I feel like I contribute to freeway maintenance.
ObamaCare Still Dying
https://aapsonline.org/obamacare-still-dying/
oyarde
09-04-2017, 05:05 PM
No thanks. I prefer not to go bankrupt if I get cancer or have some sort of accident. I would rather (unhappily) pay a few thousand more a year.
I do not remember seeing too many insurance plans that would prevent this for most people.
angelatc
09-04-2017, 05:43 PM
No thanks. I prefer not to go bankrupt if I get cancer or have some sort of accident. I would rather (unhappily) pay a few thousand more a year.
Friend's wife has cancer. They're insured. They're still going bankrupt. I'd prefer to go bankrupt than pay $1000 a month for something I do not use.
Madison320
09-04-2017, 05:46 PM
Yep, top that with the fact that they want everything done and they want it done yesterday. Socialized medicine diminishes the personal value and contribution a person pays into it. Same way I feel like I contribute to freeway maintenance.
I think the biggest problem with socialized medicine will be the waiting times, which will really suck for me since I'm a hypochondriac. :o
Also of course it will speed up our bankruptcy. Actually it's kind of a race, which will happen first, socialized medicine? Or the crash of the dollar? If the dollar crashes first more government spending on healthcare will be almost impossible and all bets are off.
If we do get socialized medicine I predict people will move based on the quality of healthcare in certain areas. My guess is rural areas will have shorter wait times.
Krugminator2
09-04-2017, 06:08 PM
I do not remember seeing too many insurance plans that would prevent this for most people.
Really? I would be very surprised if it is most, but it does look like it happens. I'm reading my plan right now. I am trying to figure out what wouldn't be covered. It seems like it shouldn't be a problem but am curious what would add to the bills.
Radiation Therapy
Covered in full after deductible for radiation therapy in an inpatient or outpatient facility setting
Chemotherapy
Chemotherapy in an inpatient or outpatient facility setting is covered in full after deductible. Chemotherapy drugs are covered in full after deductible.
Inpatient Hospital
Covered in full after deductible per inpatient hospital admission; unlimited days. See certificate for specific surgical coinsurance.
timosman
09-04-2017, 06:36 PM
Of course it was.
There has been a war on the independent, self employed person for years now.
You will join the corporate workforce, you will join the corporate workforce, .....
timosman
09-04-2017, 06:37 PM
Obamacare is a tax - http://www.ronpaulforums.com/showthread.php?382017-Chief-Justice-John-Roberts-was-wrong-to-uphold-Obamacare
angelatc
09-04-2017, 06:39 PM
Really? I would be very surprised if it is most, but it does look like it happens. I'm reading my plan right now. I am trying to figure out what wouldn't be covered. It seems like it shouldn't be a problem but am curious what would add to the bills.
Radiation Therapy
Covered in full after deductible for radiation therapy in an inpatient or outpatient facility setting
Chemotherapy
Chemotherapy in an inpatient or outpatient facility setting is covered in full after deductible. Chemotherapy drugs are covered in full after deductible.
Inpatient Hospital
Covered in full after deductible per inpatient hospital admission; unlimited days. See certificate for specific surgical coinsurance.
I'm hardly an expert but I have a friend whose wife is getting treated for a really aggressive form of cancer. $6000 a year for her co-pay plus the co=pays for the other misc family stuff plus the premium for a family of 5 is bankrupting them.
Anti Federalist
09-04-2017, 07:23 PM
I'm hardly an expert but I have a friend whose wife is getting treated for a really aggressive form of cancer. $6000 a year for her co-pay plus the co=pays for the other misc family stuff plus the premium for a family of 5 is bankrupting them.
I can easily see this, health insurance costs of $2000 a month or so is not outside the realm of possibility.
And that would very easily bankrupt a family of five making the median family income of $56,000.
specsaregood
09-04-2017, 07:29 PM
I'm considering reporting our local urgent care/hospital group for billing fraud. We have a $10copay, dw, ds and I all went to the same place within weeks of each other with the same issue. Every single one of us got a different invoice (despite all being on the same policy). They say I owe them another $115 bucks. We have called twice and told them I don't owe anything and they agree and say they'll take care of it, yet I still keep getting the invoice (now claiming past due) every month. The billing mumbo jumbo and con artistry is another big reason people will be clambering for single payer.
Anti Federalist
09-04-2017, 07:31 PM
I'm considering reporting our local urgent care/hospital group for billing fraud. We have a $10copay, dw, ds and I all went to the same place within weeks of each other with the same issue. Every single one of us got a different invoice (despite all being on the same policy). They say I owe them another $115 bucks. We have called twice and told them I don't owe anything and they agree and say they'll take care of it, yet I still keep getting the invoice (now claiming past due) every month. The billing mumbo jumbo and con artistry is another big reason people will be clambering for single payer.
Yup, this, without a doubt.
And in that mumbo jumbo, there is no clear way to determine cost.
What other "product" has a sales network that is essentially saying "fuck it, money is no object, just do it!"
Pauls' Revere
09-04-2017, 08:33 PM
I'm considering reporting our local urgent care/hospital group for billing fraud. We have a $10copay, dw, ds and I all went to the same place within weeks of each other with the same issue. Every single one of us got a different invoice (despite all being on the same policy). They say I owe them another $115 bucks. We have called twice and told them I don't owe anything and they agree and say they'll take care of it, yet I still keep getting the invoice (now claiming past due) every month. The billing mumbo jumbo and con artistry is another big reason people will be clambering for single payer.
I can't wait to see government fraud in single payer.
angelatc
09-04-2017, 08:36 PM
I can't wait to see government fraud in single payer.
How can there be any fraud when there's a monopoly? /s
Pauls' Revere
09-04-2017, 08:48 PM
How can there be any fraud when there's a monopoly? /s
LOL yeah...
https://www.youtube.com/watch?v=9cQgQIMlwWw
UWDude
09-04-2017, 10:35 PM
The fines for opting out never get that high--and now they're suspended.
Trump has done nothing, and Hillary would have done the exact same thing.
Working Poor
09-05-2017, 05:54 AM
A tithe of 10% is considered to be a reasonable contribution. Insurance companies require more of our income than God does what does that tell you?
oyarde
09-05-2017, 07:18 AM
Really? I would be very surprised if it is most, but it does look like it happens. I'm reading my plan right now. I am trying to figure out what wouldn't be covered. It seems like it shouldn't be a problem but am curious what would add to the bills.
Radiation Therapy
Covered in full after deductible for radiation therapy in an inpatient or outpatient facility setting
Chemotherapy
Chemotherapy in an inpatient or outpatient facility setting is covered in full after deductible. Chemotherapy drugs are covered in full after deductible.
Inpatient Hospital
Covered in full after deductible per inpatient hospital admission; unlimited days. See certificate for specific surgical coinsurance.
Most policies these days have a very high cost , a very high deductible , have a dollar amount to be paid out not to be exceeded and do not pay 100 percent . I think it is likely the 20 percent or whatever after everything else that causes people to file bankruptcy .
enhanced_deficit
09-05-2017, 09:43 AM
Anyone knows what is the sutuation in 2018... are the penalties still in effect for healthy people who don't buy health insurance or Trump administration is not enforcing those penalties?
Anti Federalist
09-05-2017, 11:05 AM
Anyone knows what is the sutuation in 2018... are the penalties still in effect for healthy people who don't buy health insurance or Trump administration is not enforcing those penalties?
That is correct.
The fines are not being enforced, however, you are still liable for those penalties.
Which means, essentially, that you will hit with a bill for deferred fines, after the GOP fails to repeal ObamaCare and the regime in DC changes.
angelatc
09-05-2017, 11:23 AM
I can easily see this, health insurance costs of $2000 a month or so is not outside the realm of possibility.
And that would very easily bankrupt a family of five making the median family income of $56,000.
Yeah. Last year they scheduled her for some expensive test the first week of Jan. He asked if they could do it the last week of December, since they had already met the 2016 deductible.
Nope.
How much money have they taken from lobbyists?
https://twitter.com/steph93065/status/904107333898215424?ref_src=twsrc%5Etfw&ref_url=https%3A%2F%2Faapsonline.org%2Fobamacare-still-dying%2F
Trump wants fresh Senate push on Obamacare repeal.
http://www.politico.com/story/2017/09/05/trump-obamacare-repeal-senate-242346
Krugminator2
09-05-2017, 05:09 PM
Most policies these days have a very high cost , a very high deductible , have a dollar amount to be paid out not to be exceeded and do not pay 100 percent . I think it is likely the 20 percent or whatever after everything else that causes people to file bankruptcy .
https://www.nbcnews.com/health/cancer/debt-bankruptcy-are-rewards-cancer-survivors-n490896
"One third of working-age cancer survivors go into debt, and 3 percent file for bankruptcy, according to a new study."
3% of people not on Medicare file bankruptcy from cancer and I would assume most of those people are uninsured.
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