(11-14-2015 10:08 AM)Fo Shizzle Wrote:  

(11-13-2015 07:43 PM)dawgitall Wrote:  

(11-13-2015 06:57 PM)UofMstateU Wrote:  

(11-13-2015 06:56 PM)dawgitall Wrote:  

(11-13-2015 05:57 PM)UofMstateU Wrote:  Some of us know it as the american dream. Yes, Obama took a dump on that too.

Not when it comes to health insurance.

So you agree Obama screwed up the american dream. Interesting.

Not at all. Health insurance on the individual market has always be extremely high for older people. We tend to be the ones that spend more on health care and have more medical problems. Prior to the ACA many couldn't get coverage at all or rates were so high and coverage so limited it wasn't practical. Today you can't be denied coverage because of a pre-existing condition or charged more that (IINM) 4 times as much as the premium for a twenty something. Also crappy policies that a lot of people had and didn't even realize how crappy they were because they hadn't needed much health care yet, are a thing of the past.

Health care is very expensive. There is no getting around that. But insurance rates in North Carolina are higher then they would be had our General Assembly not taken or neglected to take several actions. One of our biggest problems is the lack of competition as BCBS is the only available carrier for all 100 counties. There are only a couple of other carriers that serve parts of the state. Had the GA not passed a law, some call it "the stubborn tax", banning the establishment of a state exchange, rejecting medicaid expansion and banning the state insurance commission from so much as offering advise to consumers about their insurance options, rates would be lower. Had the GA accepted expanded medicaid the pool of policy holders in the private market would have been healthier. The insurance commissioner was already in talks with two companies in 2011 ready to enter the NC market before this was passed. He projects that we could have had five or more companies at this point. There is also the 4 percent tax for using the federal market. The GA tied the hands of the insurance commissioner so that he has little ability to protect consumers when it comes to health insurance rate increases the way he does with home owner and auto insurance.

I agree that the GA did not help the situation in regard to the ACA...but...it seems that even in states where this did not happen similar rate hikes are still happening. The second preexisting conditions were forced to be covered this was foreseeable. Insurance companies are a business...not a charity.

Rate increase percentages are all over the place depending on location, but the weighted average nationally for the upcoming year isn't anywhere near the increase in our state. It is about 12%. I believe it was about 5% last year.

(11-14-2015 09:27 PM)dawgitall Wrote:  

(11-14-2015 10:08 AM)Fo Shizzle Wrote:  

(11-13-2015 07:43 PM)dawgitall Wrote:  

(11-13-2015 06:57 PM)UofMstateU Wrote:  

(11-13-2015 06:56 PM)dawgitall Wrote:  Not when it comes to health insurance.

So you agree Obama screwed up the american dream. Interesting.

Not at all. Health insurance on the individual market has always be extremely high for older people. We tend to be the ones that spend more on health care and have more medical problems. Prior to the ACA many couldn't get coverage at all or rates were so high and coverage so limited it wasn't practical. Today you can't be denied coverage because of a pre-existing condition or charged more that (IINM) 4 times as much as the premium for a twenty something. Also crappy policies that a lot of people had and didn't even realize how crappy they were because they hadn't needed much health care yet, are a thing of the past.

Health care is very expensive. There is no getting around that. But insurance rates in North Carolina are higher then they would be had our General Assembly not taken or neglected to take several actions. One of our biggest problems is the lack of competition as BCBS is the only available carrier for all 100 counties. There are only a couple of other carriers that serve parts of the state. Had the GA not passed a law, some call it "the stubborn tax", banning the establishment of a state exchange, rejecting medicaid expansion and banning the state insurance commission from so much as offering advise to consumers about their insurance options, rates would be lower. Had the GA accepted expanded medicaid the pool of policy holders in the private market would have been healthier. The insurance commissioner was already in talks with two companies in 2011 ready to enter the NC market before this was passed. He projects that we could have had five or more companies at this point. There is also the 4 percent tax for using the federal market. The GA tied the hands of the insurance commissioner so that he has little ability to protect consumers when it comes to health insurance rate increases the way he does with home owner and auto insurance.

I agree that the GA did not help the situation in regard to the ACA...but...it seems that even in states where this did not happen similar rate hikes are still happening. The second preexisting conditions were forced to be covered this was foreseeable. Insurance companies are a business...not a charity.

Rate increase percentages are all over the place depending on location, but the weighted average nationally for the upcoming year isn't anywhere near the increase in our state. It is about 12%. I believe it was about 5% last year.

They are not all over the place. They are either outrageously higher for the same coverage, or way up with coverage manipulation, such as astronomical deductibles.

(11-14-2015 11:34 PM)UofMstateU Wrote:  

(11-14-2015 09:27 PM)dawgitall Wrote:  

(11-14-2015 10:08 AM)Fo Shizzle Wrote:  

(11-13-2015 07:43 PM)dawgitall Wrote:  

(11-13-2015 06:57 PM)UofMstateU Wrote:  So you agree Obama screwed up the american dream. Interesting.

Not at all. Health insurance on the individual market has always be extremely high for older people. We tend to be the ones that spend more on health care and have more medical problems. Prior to the ACA many couldn't get coverage at all or rates were so high and coverage so limited it wasn't practical. Today you can't be denied coverage because of a pre-existing condition or charged more that (IINM) 4 times as much as the premium for a twenty something. Also crappy policies that a lot of people had and didn't even realize how crappy they were because they hadn't needed much health care yet, are a thing of the past.

Health care is very expensive. There is no getting around that. But insurance rates in North Carolina are higher then they would be had our General Assembly not taken or neglected to take several actions. One of our biggest problems is the lack of competition as BCBS is the only available carrier for all 100 counties. There are only a couple of other carriers that serve parts of the state. Had the GA not passed a law, some call it "the stubborn tax", banning the establishment of a state exchange, rejecting medicaid expansion and banning the state insurance commission from so much as offering advise to consumers about their insurance options, rates would be lower. Had the GA accepted expanded medicaid the pool of policy holders in the private market would have been healthier. The insurance commissioner was already in talks with two companies in 2011 ready to enter the NC market before this was passed. He projects that we could have had five or more companies at this point. There is also the 4 percent tax for using the federal market. The GA tied the hands of the insurance commissioner so that he has little ability to protect consumers when it comes to health insurance rate increases the way he does with home owner and auto insurance.

I agree that the GA did not help the situation in regard to the ACA...but...it seems that even in states where this did not happen similar rate hikes are still happening. The second preexisting conditions were forced to be covered this was foreseeable. Insurance companies are a business...not a charity.

Rate increase percentages are all over the place depending on location, but the weighted average nationally for the upcoming year isn't anywhere near the increase in our state. It is about 12%. I believe it was about 5% last year.

They are not all over the place. They are either outrageously higher for the same coverage, or way up with coverage manipulation, such as astronomical deductibles.

Do a little research on trends in health care, especially the driving forces behind rate increases. It isn't as cut and dry as you want it to be in order to advance your narrative. Also if the national average rate increase is 12% and North Carolina's was about 29%, then it seems obvious that rates state by state are all over the place.

(11-15-2015 01:45 PM)dawgitall Wrote:  

(11-14-2015 11:34 PM)UofMstateU Wrote:  

(11-14-2015 09:27 PM)dawgitall Wrote:  

(11-14-2015 10:08 AM)Fo Shizzle Wrote:  

(11-13-2015 07:43 PM)dawgitall Wrote:  Not at all. Health insurance on the individual market has always be extremely high for older people. We tend to be the ones that spend more on health care and have more medical problems. Prior to the ACA many couldn't get coverage at all or rates were so high and coverage so limited it wasn't practical. Today you can't be denied coverage because of a pre-existing condition or charged more that (IINM) 4 times as much as the premium for a twenty something. Also crappy policies that a lot of people had and didn't even realize how crappy they were because they hadn't needed much health care yet, are a thing of the past.

Health care is very expensive. There is no getting around that. But insurance rates in North Carolina are higher then they would be had our General Assembly not taken or neglected to take several actions. One of our biggest problems is the lack of competition as BCBS is the only available carrier for all 100 counties. There are only a couple of other carriers that serve parts of the state. Had the GA not passed a law, some call it "the stubborn tax", banning the establishment of a state exchange, rejecting medicaid expansion and banning the state insurance commission from so much as offering advise to consumers about their insurance options, rates would be lower. Had the GA accepted expanded medicaid the pool of policy holders in the private market would have been healthier. The insurance commissioner was already in talks with two companies in 2011 ready to enter the NC market before this was passed. He projects that we could have had five or more companies at this point. There is also the 4 percent tax for using the federal market. The GA tied the hands of the insurance commissioner so that he has little ability to protect consumers when it comes to health insurance rate increases the way he does with home owner and auto insurance.

I agree that the GA did not help the situation in regard to the ACA...but...it seems that even in states where this did not happen similar rate hikes are still happening. The second preexisting conditions were forced to be covered this was foreseeable. Insurance companies are a business...not a charity.

Rate increase percentages are all over the place depending on location, but the weighted average nationally for the upcoming year isn't anywhere near the increase in our state. It is about 12%. I believe it was about 5% last year.

They are not all over the place. They are either outrageously higher for the same coverage, or way up with coverage manipulation, such as astronomical deductibles.

Do a little research on trends in health care, especially the driving forces behind rate increases. It isn't as cut and dry as you want it to be in order to advance your narrative. Also if the national average rate increase is 12% and North Carolina's was about 29%, then it seems obvious that rates state by state are all over the place.

They are not all over the place. They are f*cking higher.

If you have the same policy with the same deductible, the rates are astronomically higher.

If you are forced onto a different policy that has astronomical deductibles, your rates are higher. Maybe not astronomically higher, but thats because you were forced from a good policy with low deductibles onto an Obamacare piece of sh*t policy that has outrageous deductibles. This is almost always due to companies shutting down business in a state, or a coop failing. That has been happening a lot.

All we need is for a republican president in place, who will force people like you into the mess. It must be nice telling everyone else how they should have saved up for this dipsh*t law when you are insulated from it. Let's have you and your family live under it for a while.

(11-15-2015 02:37 PM)UofMstateU Wrote:  

(11-15-2015 01:45 PM)dawgitall Wrote:  

(11-14-2015 11:34 PM)UofMstateU Wrote:  

(11-14-2015 09:27 PM)dawgitall Wrote:  

(11-14-2015 10:08 AM)Fo Shizzle Wrote:  I agree that the GA did not help the situation in regard to the ACA...but...it seems that even in states where this did not happen similar rate hikes are still happening. The second preexisting conditions were forced to be covered this was foreseeable. Insurance companies are a business...not a charity.

Rate increase percentages are all over the place depending on location, but the weighted average nationally for the upcoming year isn't anywhere near the increase in our state. It is about 12%. I believe it was about 5% last year.

They are not all over the place. They are either outrageously higher for the same coverage, or way up with coverage manipulation, such as astronomical deductibles.

Do a little research on trends in health care, especially the driving forces behind rate increases. It isn't as cut and dry as you want it to be in order to advance your narrative. Also if the national average rate increase is 12% and North Carolina's was about 29%, then it seems obvious that rates state by state are all over the place.

They are not all over the place. They are f*cking higher.

If you have the same policy with the same deductible, the rates are astronomically higher.

If you are forced onto a different policy that has astronomical deductibles, your rates are higher. Maybe not astronomically higher, but thats because you were forced from a good policy with low deductibles onto an Obamacare piece of sh*t policy that has outrageous deductibles. This is almost always due to companies shutting down business in a state, or a coop failing. That has been happening a lot.

All we need is for a republican president in place, who will force people like you into the mess. It must be nice telling everyone else how they should have saved up for this dipsh*t law when you are insulated from it. Let's have you and your family live under it for a while.

Are you jealous because I have a employer plan and my employer pays most of my premium? We have changes coming too. The wife starts Medicare in March. We are trying to figure out whether to go with part D or not.

(11-15-2015 03:45 PM)dawgitall Wrote:  

(11-15-2015 02:37 PM)UofMstateU Wrote:  

(11-15-2015 01:45 PM)dawgitall Wrote:  

(11-14-2015 11:34 PM)UofMstateU Wrote:  

(11-14-2015 09:27 PM)dawgitall Wrote:  Rate increase percentages are all over the place depending on location, but the weighted average nationally for the upcoming year isn't anywhere near the increase in our state. It is about 12%. I believe it was about 5% last year.

They are not all over the place. They are either outrageously higher for the same coverage, or way up with coverage manipulation, such as astronomical deductibles.

Do a little research on trends in health care, especially the driving forces behind rate increases. It isn't as cut and dry as you want it to be in order to advance your narrative. Also if the national average rate increase is 12% and North Carolina's was about 29%, then it seems obvious that rates state by state are all over the place.

They are not all over the place. They are f*cking higher.

If you have the same policy with the same deductible, the rates are astronomically higher.

If you are forced onto a different policy that has astronomical deductibles, your rates are higher. Maybe not astronomically higher, but thats because you were forced from a good policy with low deductibles onto an Obamacare piece of sh*t policy that has outrageous deductibles. This is almost always due to companies shutting down business in a state, or a coop failing. That has been happening a lot.

All we need is for a republican president in place, who will force people like you into the mess. It must be nice telling everyone else how they should have saved up for this dipsh*t law when you are insulated from it. Let's have you and your family live under it for a while.

Are you jealous because I have a employer plan and my employer pays most of my premium? We have changes coming too. The wife starts Medicare in March. We are trying to figure out whether to go with part D or not.

Jealous? No. I am tired of you blowing Obamacare when you yourself are living under a grandfathered plan. Live with an Obamcare policy for a while, then tell us how great it is.

(11-15-2015 02:37 PM)UofMstateU Wrote:  

(11-15-2015 01:45 PM)dawgitall Wrote:  

(11-14-2015 11:34 PM)UofMstateU Wrote:  

(11-14-2015 09:27 PM)dawgitall Wrote:  

(11-14-2015 10:08 AM)Fo Shizzle Wrote:  I agree that the GA did not help the situation in regard to the ACA...but...it seems that even in states where this did not happen similar rate hikes are still happening. The second preexisting conditions were forced to be covered this was foreseeable. Insurance companies are a business...not a charity.

Rate increase percentages are all over the place depending on location, but the weighted average nationally for the upcoming year isn't anywhere near the increase in our state. It is about 12%. I believe it was about 5% last year.

They are not all over the place. They are either outrageously higher for the same coverage, or way up with coverage manipulation, such as astronomical deductibles.

Do a little research on trends in health care, especially the driving forces behind rate increases. It isn't as cut and dry as you want it to be in order to advance your narrative. Also if the national average rate increase is 12% and North Carolina's was about 29%, then it seems obvious that rates state by state are all over the place.

They are not all over the place. They are f*cking higher.

If you have the same policy with the same deductible, the rates are astronomically higher.

If you are forced onto a different policy that has astronomical deductibles, your rates are higher. Maybe not astronomically higher, but thats because you were forced from a good policy with low deductibles onto an Obamacare piece of sh*t policy that has outrageous deductibles. This is almost always due to companies shutting down business in a state, or a coop failing. That has been happening a lot.

All we need is for a republican president in place, who will force people like you into the mess. It must be nice telling everyone else how they should have saved up for this dipsh*t law when you are insulated from it. Let's have you and your family live under it for a while.

Rates in Indiana are down 13% for a benchmark silver plan and down as well in Mississippi, Ohio, and Maine. Like I said do a little research.

(11-15-2015 03:55 PM)UofMstateU Wrote:  

(11-15-2015 03:45 PM)dawgitall Wrote:  

(11-15-2015 02:37 PM)UofMstateU Wrote:  

(11-15-2015 01:45 PM)dawgitall Wrote:  

(11-14-2015 11:34 PM)UofMstateU Wrote:  They are not all over the place. They are either outrageously higher for the same coverage, or way up with coverage manipulation, such as astronomical deductibles.

Do a little research on trends in health care, especially the driving forces behind rate increases. It isn't as cut and dry as you want it to be in order to advance your narrative. Also if the national average rate increase is 12% and North Carolina's was about 29%, then it seems obvious that rates state by state are all over the place.

They are not all over the place. They are f*cking higher.

If you have the same policy with the same deductible, the rates are astronomically higher.

If you are forced onto a different policy that has astronomical deductibles, your rates are higher. Maybe not astronomically higher, but thats because you were forced from a good policy with low deductibles onto an Obamacare piece of sh*t policy that has outrageous deductibles. This is almost always due to companies shutting down business in a state, or a coop failing. That has been happening a lot.

All we need is for a republican president in place, who will force people like you into the mess. It must be nice telling everyone else how they should have saved up for this dipsh*t law when you are insulated from it. Let's have you and your family live under it for a while.

Are you jealous because I have a employer plan and my employer pays most of my premium? We have changes coming too. The wife starts Medicare in March. We are trying to figure out whether to go with part D or not.

Jealous? No. I am tired of you blowing Obamacare when you yourself are living under a grandfathered plan. Live with an Obamcare policy for a while, then tell us how great it is.

Almost all health insurance plans are "Obamacare" plans now. The plan my company has with BCBS is fully compliant with the requirements of the ACA. My plan is a good one but not any different from what you might find elsewhere, and not as good as many others out there. I pay significant amounts of money out of pocket every year in co pays and deductibles. I've told you this before but you just hear what you want to hear.

You are jealous because I don't pay a large amount out of pocket for my premiums. That is simply because my employer pays almost all of it for the employee and I don't have anyone but myself on the plan. If I had the family on my plan I would play their full cost. It is an employer decision. I probably don't make as much as a lot of other people in salary but it is a trade off. I have good retirement and health plans.

(11-15-2015 04:09 PM)dawgitall Wrote:  

(11-15-2015 02:37 PM)UofMstateU Wrote:  

(11-15-2015 01:45 PM)dawgitall Wrote:  

(11-14-2015 11:34 PM)UofMstateU Wrote:  

(11-14-2015 09:27 PM)dawgitall Wrote:  Rate increase percentages are all over the place depending on location, but the weighted average nationally for the upcoming year isn't anywhere near the increase in our state. It is about 12%. I believe it was about 5% last year.

They are not all over the place. They are either outrageously higher for the same coverage, or way up with coverage manipulation, such as astronomical deductibles.

Do a little research on trends in health care, especially the driving forces behind rate increases. It isn't as cut and dry as you want it to be in order to advance your narrative. Also if the national average rate increase is 12% and North Carolina's was about 29%, then it seems obvious that rates state by state are all over the place.

They are not all over the place. They are f*cking higher.

If you have the same policy with the same deductible, the rates are astronomically higher.

If you are forced onto a different policy that has astronomical deductibles, your rates are higher. Maybe not astronomically higher, but thats because you were forced from a good policy with low deductibles onto an Obamacare piece of sh*t policy that has outrageous deductibles. This is almost always due to companies shutting down business in a state, or a coop failing. That has been happening a lot.

All we need is for a republican president in place, who will force people like you into the mess. It must be nice telling everyone else how they should have saved up for this dipsh*t law when you are insulated from it. Let's have you and your family live under it for a while.

Rates in Indiana are down 13% for a benchmark silver plan and down as well in Mississippi, Ohio, and Maine. Like I said do a little research.

Silver plan? Why are you just talking about silver plans? Why cherry pick?

Also, did you investigate to see if there were any changes to those silver plans? Tell me what they are since you did the research. (Hint, there are changes)

However, since you decided to bring up the silver plans, here is real factual data for you:

4 states had decreases in silver plans.
OH -.7%
MN -1%
MS -8%
IN -12%

Note that this isnt the decrease in rates for a state, just for the silver plan. Indiana, which had a 12% decrease in silver plan rates, overall saw insurance premiums increase. As all states have.

Also, Indiana's lower "increases" than other states was due because of their outrageously higher increases in 14 and 15. Not because Obamacare is working, but because Obamcare drilled them hard in the azz in 2014 and 2015, they they were only slightly bent over in 2016. Of course, you will call that a victory.

But now, keep touting those 4 states and their silver plans with decreases. I'll keep touting the other 46 states, and the enormous astronomical increases they are seeing in their silver plans. Such as:

OK +36%
MT +35%
AK +31%

or any of the 18 states that had higher than double digit increases.

But keep tooting your little horn.

Most people (68%) buy silver plans. The second lowest priced sliver plan is the benchmark for determining tax credits. It is generally a good indicator of what people can expect.

To look at rates overall you need to have weighted averages, not raw numbers. Gold plans might be up or down 40% in a state but if only 10% of all the policies sold are Gold plans you can see the obvious need to weight the average. Anyway, the weighted average in NC was 28%, and in Indiana it was 0.7%. The national weighted average is around 11%. This is up from last years' 5% and the average over the last six years of 5.8% and about on par for the increases over the nine years prior to that when it averaged 13.2%.

The most important thing a person can do right now is shop around. Don't just automatically re-sign for what they have this year. Unfortunately, in places like Eastern North Carolina BCBS is often the only choice. But even within one company like BCBS there are normally several options. If premiums on a silver plan are low the likelihood is that there are high copays and deductibles. If you pay more up front deductibles and co pays should be lower.

silliness continues

(11-15-2015 05:51 PM)dawgitall Wrote:  Most people (68%) buy silver plans. The second lowest priced sliver plan is the benchmark for determining tax credits. It is generally a good indicator of what people can expect.

To look at rates overall you need to have weighted averages, not raw numbers. Gold plans might be up or down 40% in a state but if only 10% of all the policies sold are Gold plans you can see the obvious need to weight the average. Anyway, the weighted average in NC was 28%, and in Indiana it was 0.7%. The national weighted average is around 11%. This is up from last years' 5% and the average over the last six years of 5.8% and about on par for the increases over the nine years prior to that when it averaged 13.2%.

The most important thing a person can do right now is shop around. Don't just automatically re-sign for what they have this year. Unfortunately, in places like Eastern North Carolina BCBS is often the only choice. But even within one company like BCBS there are normally several options. If premiums on a silver plan are low the likelihood is that there are high copays and deductibles. If you pay more up front deductibles and co pays should be lower.

Platinum, to gold, to now I don't know where.

24.8% and cancelled. Then 25% now cancelled. And deductibles or co-"insurance" going from zippity-do-dads to 80-20? 60-40?!?

The best news is no one call actually tell us in advance! Including the Dr's, the office folk or even the nameless, faceless high school grad leafing through her daily update as to how to sell this schit.

There is ONE thing they will agree on-

This is a complete disaster. And only going to get far, far worse.

And soon.

Own your albatross dims. You chose this clown and all it's fixin's.

(11-15-2015 03:45 PM)dawgitall Wrote:  

(11-15-2015 02:37 PM)UofMstateU Wrote:  

(11-15-2015 01:45 PM)dawgitall Wrote:  

(11-14-2015 11:34 PM)UofMstateU Wrote:  

(11-14-2015 09:27 PM)dawgitall Wrote:  Rate increase percentages are all over the place depending on location, but the weighted average nationally for the upcoming year isn't anywhere near the increase in our state. It is about 12%. I believe it was about 5% last year.

They are not all over the place. They are either outrageously higher for the same coverage, or way up with coverage manipulation, such as astronomical deductibles.

Do a little research on trends in health care, especially the driving forces behind rate increases. It isn't as cut and dry as you want it to be in order to advance your narrative. Also if the national average rate increase is 12% and North Carolina's was about 29%, then it seems obvious that rates state by state are all over the place.

They are not all over the place. They are f*cking higher.

If you have the same policy with the same deductible, the rates are astronomically higher.

If you are forced onto a different policy that has astronomical deductibles, your rates are higher. Maybe not astronomically higher, but thats because you were forced from a good policy with low deductibles onto an Obamacare piece of sh*t policy that has outrageous deductibles. This is almost always due to companies shutting down business in a state, or a coop failing. That has been happening a lot.

All we need is for a republican president in place, who will force people like you into the mess. It must be nice telling everyone else how they should have saved up for this dipsh*t law when you are insulated from it. Let's have you and your family live under it for a while.

Are you jealous because I have a employer plan and my employer pays most of my premium? We have changes coming too. The wife starts Medicare in March. We are trying to figure out whether to go with part D or not.

You do understand that your employer is absorbing the same increased costs as the rest of us...right? At some point there will be a "come to Jesus" moment and likely you will have to shoulder some costs. The bottom line is that the ACA has NOT done as it touted. It has not lowered costs.

I have been knee deep in the muck when dealing with my daughter. We all know I lost her. It was a painful heartwrenching experience. Somehow, someway, we need to find common ground here. I can honestly tell you the last time we were hospitalized the standards were slipping. I still hold quite a bit of anger over it to tell you the truth. Kyra's primary Dr. was dealing with the freaking social services on some p.o.s. Mom while he should of been giving my daughter his undivided attention. Before Obamacare my daughter would have been off the rolls. Met her insurance cap by the age of 3. I honestly don't know what would have happened. I would have tried everything to keep her alive I know that. Rob banks? Who knows what desperate men will do, but even if you are sucessful in robbing a bank in three months you would have to rob another. The bills are out of hand. For her bone marrow transplant where we lost her mind you. My insurance company paid 1.3 million for a 2 month and 9 day stay. You can't tell me insurance company is not subsidizing that p.o.s. Mom and her kid in some way. I've said this often and I used to say it all the time pre HSA. The parents with good insurance with sick kids were propping up the whole system before. For the first time in my life I am open with both ears to a solution from the Republican side. I like the HSA's. I love my insurance right now. I could see the slippage in World Class Care at the Cleveland Clinic. Basically I'm not going to be a hypocrit and bash Obama, but I see the problems. What the hell do we do that can actually pass? Be pragmatic.

(11-16-2015 08:18 AM)Machiavelli Wrote:  I have been knee deep in the muck when dealing with my daughter. We all know I lost her. It was a painful heartwrenching experience. Somehow, someway, we need to find common ground here. I can honestly tell you the last time we were hospitalized the standards were slipping. I still hold quite a bit of anger over it to tell you the truth. Kyra's primary Dr. was dealing with the freaking social services on some p.o.s. Mom while he should of been giving my daughter his undivided attention. Before Obamacare my daughter would have been off the rolls. Met her insurance cap by the age of 3. I honestly don't know what would have happened. I would have tried everything to keep her alive I know that. Rob banks? Who knows what desperate men will do, but even if you are sucessful in robbing a bank in three months you would have to rob another. The bills are out of hand. For her bone marrow transplant where we lost her mind you. My insurance company paid 1.3 million for a 2 month and 9 day stay. You can't tell me insurance company is not subsidizing that p.o.s. Mom and her kid in some way. I've said this often and I used to say it all the time pre HSA. The parents with good insurance with sick kids were propping up the whole system before. For the first time in my life I am open with both ears to a solution from the Republican side. I like the HSA's. I love my insurance right now. I could see the slippage in World Class Care at the Cleveland Clinic. Basically I'm not going to be a hypocrit and bash Obama, but I see the problems. What the hell do we do that can actually pass? Be pragmatic.

French Bismarck health care.

(11-16-2015 08:18 AM)Machiavelli Wrote:  I have been knee deep in the muck when dealing with my daughter. We all know I lost her. It was a painful heartwrenching experience. Somehow, someway, we need to find common ground here. I can honestly tell you the last time we were hospitalized the standards were slipping. I still hold quite a bit of anger over it to tell you the truth. Kyra's primary Dr. was dealing with the freaking social services on some p.o.s. Mom while he should of been giving my daughter his undivided attention. Before Obamacare my daughter would have been off the rolls. Met her insurance cap by the age of 3. I honestly don't know what would have happened. I would have tried everything to keep her alive I know that. Rob banks? Who knows what desperate men will do, but even if you are sucessful in robbing a bank in three months you would have to rob another. The bills are out of hand. For her bone marrow transplant where we lost her mind you. My insurance company paid 1.3 million for a 2 month and 9 day stay. You can't tell me insurance company is not subsidizing that p.o.s. Mom and her kid in some way. I've said this often and I used to say it all the time pre HSA. The parents with good insurance with sick kids were propping up the whole system before. For the first time in my life I am open with both ears to a solution from the Republican side. I like the HSA's. I love my insurance right now. I could see the slippage in World Class Care at the Cleveland Clinic. Basically I'm not going to be a hypocrit and bash Obama, but I see the problems. What the hell do we do that can actually pass? Be pragmatic.

Insurance is necessary but cost of goods needs be addressed as well. The cost of care is entirely overly inflated. Even with insurance a bad illness can if not get you there it can near bankrupt you.

(11-13-2015 05:32 PM)dawgitall Wrote:  

(11-13-2015 03:09 PM)Fo Shizzle Wrote:  Just got my 2106 BCBS policy renewal. Up 29%. Biggest jump ever I believe. Obamacare is really doing a great job at reducing costs.

I guess if BCBS continues to raise my premium by 29% each year?...some day I will qualify for a subsidy!!!!! Oh...it does not work that way.

Being a self employed 50 something is a bummer. But hey on the bright side, if you don't qualify for any tax credits at least you are making good money. So what is your premium/deductible etc.? Family or individual plan?

I'm going from $376 to $429 or $423 if I want the crappier plan. Just 3 years ago my rates were ~$150/mo. I'm considering getting back with my ex who is a nurse just for the healthcare.

ObamaCare isn't all bad, but it is completely screwing the younger middle-class folks. That needs to be addressed.

(11-16-2015 01:13 PM)shiftyeagle Wrote:  ObamaCare isn't all bad, but it is completely screwing the younger middle-class folks. That needs to be addressed.

The few things that are good in Obamacare were easily implemented without Obamacare.

If you work and can support your family, Obamacare is a serious financial hardship on you, both for the premiums and the amount for care. (unless you have an exempted or grandfathered plan)

(11-16-2015 02:13 PM)UofMstateU Wrote:  

(11-16-2015 01:13 PM)shiftyeagle Wrote:  ObamaCare isn't all bad, but it is completely screwing the younger middle-class folks. That needs to be addressed.

The few things that are good in Obamacare were easily implemented without Obamacare.

If you work and can support your family, Obamacare is a serious financial hardship on you, both for the premiums and the amount for care. (unless you have an exempted or grandfathered plan)

My coverage is good, but it's flat-out expensive as hell.