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Interesting quick blurb. Curious of how people on this board have been personally affected by "Obamacare", otherwise known as the Affordable Health Care Act. I haven't seen a change to my insurance costs up or down so I'm relatively indifferent. ---------------------------------------------------------------------------------------------------------------------- Consumers saved nearly $4 billion on their insurance premiums last year because of new rules in President Obama's healthcare law, the administration said Thursday. The Health and Human Services Department (HHS) said consumers saved $3.9 billion last year from new rules that govern insurance companies' spending. The rules have saved consumers roughly $5 billion over the past two years, HHS said. HHS highlighted the savings Thursday as an immediate benefit of the Affordable Care Act and evidence that the law will help make insurance more affordable. The Obama administration has consistently and aggressively promoted elements of the law that have had an immediate impact, as it tries to reverse negative public opinion and sell a skeptical public on the law as its major provisions are about to take effect. “The healthcare law is providing consumers value for their premium dollars and ensuring the money they pay every month to insurance companies goes toward patient care,” HHS Secretary Kathleen Sebelius said in a statement. The health law requires insurance plans to spend 80 or 85 percent of their premiums on medical costs, leaving only the remaining 15 or 20 percent for profit and administrative expenses. They must pay a rebate if they miss the threshold. Consumers saved money as insurers changed their premiums to comply with the requirement, HHS said in a report Thursday. The new rules first took effect in 2011. That year, insurers paid out more than $1 billion in rebates. Last year saw fewer rebates and more up-front savings, according to the HHS report. Consumers saved $3.4 billion last year as insurance companies lowered their premiums to comply with the new rules. Consumers also received $500 million in rebates from insurers that did not meet the new standards. ---------------------------------------------------------------------------------------------------------------------- Link
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*In Baker we trust*
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last November my employee portion of the premium went up $20/mo and my deductible went from $2000/per to $3000/per
We don't have to agree with each other, to respect each others opinion.
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I have no idea what I paid beforehand, and have no idea what I pay now, nor have I paid attention to my deductibles, etc...
Browns is the Browns
... there goes Joe Thomas, the best there ever was in this game.
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last November my employee portion of the premium went up $20/mo and my deductible went from $2000/per to $3000/per
Ouch. And I thought 500 was bad. My premiums and copays went up substantially this year also, and so did those of everyone I know. Just who is realizing these savings?
And into the forest I go, to lose my mind and find my soul.
- John Muir
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My insurance just went up 12% which is twice the amount it went up last year . For my part I see nothing affordable about it .
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Given the way this administration creates numbers out of thin air, like "jobs saved or created", I would take any claims they make with a grain (or 300) of salt.
Micah 6:8; He has shown you, O mortal, what is good. And what does the Lord require of you? To act justly and to love mercy, and to walk humbly with your God.
John 14:19 Jesus said: Because I live, you also will live.
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Quote:
Quote:
last November my employee portion of the premium went up $20/mo and my deductible went from $2000/per to $3000/per
Ouch. And I thought 500 was bad. My premiums and copays went up substantially this year also, and so did those of everyone I know. Just who is realizing these savings?
I wonder if by "consumers," they meant "insurance companies," "elected officials," and "lobbyists."
Blue ostriches on crack float on milkshakes between the sidewalk titans of gurglefitz. --YTown
#gmstrong
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Quote:
Given the way this administration creates numbers out of thin air, like "jobs saved or created", I would take any claims they make with a grain (or 300) of salt.
With things like this, you have to pay careful attention to their precise wording and question how they arrived at their numbers.
Browns is the Browns
... there goes Joe Thomas, the best there ever was in this game.
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j/c http://insurance.ohio.gov/Newsroom/Pages/06062013ACAProposedRates.aspxI know it's preliminary, but Ohio expects health care premiums to rise 88% due to the unaffordable health care act that we needed to pass so we could read what was in it. I'm curious - this $5 billion in savings already.........who has saved money on health care or health care premiums? Where is this $5 billion going....or where has it gone? Perhaps it went to fund the 50 some terrorist threats that were negated by the nsa? Where is that $5 billion? Why didn't we hear about the nsa stopping 50 plus terrorist attacks? Maybe all that savings went to the irs? So they could investigate their investigation? Trust the gov't. Right. This uaca saved us $5 billion? Hey, I saved my family $100 million by not spending it. Does that count as savings? If I were the government, you're darn right it's counted as savings.
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I know a lot of people, and I haven't heard one of them say that their premiums were less. I've heard an awful lot of them say they're paying more than ever...for premiums, copays and deductibles. Until I see exactly who's saving the money, I'm calling total BS. My only guess is that it could be labor unions that supported this crap....and that the 5 billion "saved" will be passed on to those that don't belong to the unions.
And into the forest I go, to lose my mind and find my soul.
- John Muir
#GMSTRONG
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Well, I rarely go to the doctor for much but my wife had her primary care doctor totally leave the profession. She was only in her 40s. She completely got out.
Her shrink has totally stopped accepting insurance (from everyone) and will retire before October 1.
Both decisions have been directly attributed to Obamacare. What's funny is that her shrink is a big Obama supporter and supported Obamacare. He didn't realize how bad it was and he's determined that it simply better to retire (he's at retirement age) than do deal with Obamacare regulations.
Needless to say, my wife is most displeased about it.
As for me, it already costs us more. My out-of-pocket expense (payroll deduction) for it has gone up about 25% and our copays went from $25 to $40. We were told to expect and plan for our costs to rise another 25% next year.
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Quote:
last November my employee portion of the premium went up $20/mo and my deductible went from $2000/per to $3000/per
This whole "Affordable Care" nonsense was supposed to help people with the medical bills they incur for necessary care, and to help medical facilities not have to dole out tons of free care to those without coverage.
However, I would bet that a solid 50% of hospital procedures are under $4000 - $5000 in cost, after the insurance discounts are applied. If someone has a $3000 deductible, and then an 80/20 co-pay for the next $10,000 .... (that co-pay structure is not uncommon) then how are they really being helped? If the bill is $5000, and they cannot afford that ........ then how can they afford a $3000 deductible, followed with a $400 co-pay for a $3400 total bill? Is that really helping someone out, especially when they have to pay for the insurance now? Is that really making their care affordable?
This whole mess is just like every other government program ... one gigantic, enormous, bloated cluster%&*^%$. Best part is ..... it's only getting started.
Micah 6:8; He has shown you, O mortal, what is good. And what does the Lord require of you? To act justly and to love mercy, and to walk humbly with your God.
John 14:19 Jesus said: Because I live, you also will live.
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I guess that I'm in the minority here. My wife and I switched insurance companies (both stayed with the same employers, just changed plans to a new one that was offered) this year. It dropped our premiums $35/month and took our deductible down $1,000/year.
[color:"green"] "World domination has encountered a momentary setback. Please talk amongst yourselves." Get Fuzzy[/color]
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Isn't 2014 the year when the majority of the bill is in place?
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No change for me but then I do expect to see a change in January.. I'll know more after oct 1
#GMSTRONG
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Daniel Patrick Moynahan
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Damanshot
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My premiums jumped from $900/mo to $1,200/month last year.
I am hearing of a potential 33% increase for later this year.
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Note:
the article doesn't state which consumers, or what percentage of the total number. My guess is that this claim is made by looking at just a small subset of the populace.... like those that were uninsured but now get free coverage... the $5B is what they saved by not having to buy it.
Browns is the Browns
... there goes Joe Thomas, the best there ever was in this game.
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While I'm part of a union because of my job, one of my co-workers who negotiates for all of us, says that the premiums have skyrocketed and that's why we aren't getting a larger increase in salary and some other beneficial things.
So, I really don't know about this saving money thing
UCONN HUSKIES 2014 Champions of Basketball
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My company offers three tiers of coverage. I have always been on the middle tier but last December it went up so much I had to switch to the bottom tier which was still and increase in my bi-weekly check. So now I have Higher Co-Pays, Higher Deductible and I still pay more.
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and this is how the bottom falls out... The ones with the smallest market share start to pull out of unprofitable markets first because of new regulations with Obamacare... next the medium sized ones and then all we have left is: VA govt insurance. http://finance.yahoo.com/news/aetna-exit-californias-individual-insurance-184916569.html(Reuters) - Aetna Inc (AET.N) said on Saturday it has notified California's insurance regulator that it plans to stop selling health policies to individual consumers in the state at the end of 2013. The company will continue to offer health insurance to employers and Medicare beneficiaries in California, as well as dental and life-insurance products, Aetna spokeswoman Anjie Coplin told Reuters. But people with individual health coverage with Aetna will have to find alternative coverage by year's end. Aetna had informed California Insurance Commissioner Dave Jones of its decision to exit the market, Coplin said, but it was still in the process of notifying members and brokers. The move comes as California, the country's most populous state, prepares for the fall launch of a state health exchange authorized by President Barack Obama's Affordable Care Act. The exchange establishes new standards for health insurance products sold to individuals in the state, whether or not they are offered through the exchange. Coplin did not immediately respond to an e-mail or voicemail asking why Aetna had decided to exit the individual health insurance market in California. Aetna says its decision will affect only 49,000 of its 1.5 million policyholders in the state.
Hunter + Dart = This is the way.
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Quote:
My premiums jumped from $900/mo to $1,200/month last year.
I am hearing of a potential 33% increase for later this year.
I'd say that has nothing to do with Obamacare because health premiums have been rising for the last 15 or so years.
If you don't believe me, just go back to look at what premiums (please compare apples to apples) were in 1998 vs what they were in 2010 which was before Obamacare was even voted on.
You'll see big increases all along the way.
So really, it's nothing new. Obamacare was supposed to slow that growth. Not sure that's even close to what will happen.
When someone says to you, After Obamacare is fully implented, the premiums will rise by X% (I've read reports that say anywhere from 30% to 88%)
Ask them one question, without Obamacare, what would have been the increase. I'm pretty sure that someone without an agenda will probably tell you that the difference wouldn't be that big.
#GMSTRONG
“Everyone is entitled to his own opinion, but not to his own facts.”
Daniel Patrick Moynahan
"Alternative facts hurt us all. Think before you blindly believe."
Damanshot
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Ask them one question, without Obamacare, what would have been the increase. I'm pretty sure that someone without an agenda will probably tell you that the difference wouldn't be that big.
So, the 5 billion is a calculation of the difference in what their "predicted" increase in premiums would have been without Obamacare vs with it.....and call it savings? Nobody's "saving" a damn thing and my premiums increased by the largest percentage in the 28yrs I've been working at my place of employment. Obama and co. said we'd be paying less....I guess he meant less than some fabricated figure he pulled out of his arse.
And into the forest I go, to lose my mind and find my soul.
- John Muir
#GMSTRONG
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But wait, do you mean that if your employer did not have to pay so much for health insurance, they would actually pay the workers MORE MONEY?????
That just can't be!
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Quote:
Quote:
Ask them one question, without Obamacare, what would have been the increase. I'm pretty sure that someone without an agenda will probably tell you that the difference wouldn't be that big.
So, the 5 billion is a calculation of the difference in what their "predicted" increase in premiums would have been without Obamacare vs with it.....and call it savings? Nobody's "saving" a damn thing and my premiums increased by the largest percentage in the 28yrs I've been working at my place of employment. Obama and co. said we'd be paying less....I guess he meant less than some fabricated figure he pulled out of his arse.
Not sure what your speaking to. I thought I was responding to the guy that said that his premiums have increased by a bunch. I'm merely saying that was happening long before Obamacare was a gleem in someones eye.
If you look back 10 to 15 years, you will see the premiums have risen at a staggering rate. Nothing at all to do with Obamacare.. nothing.
That's all I was referring too.
#GMSTRONG
“Everyone is entitled to his own opinion, but not to his own facts.”
Daniel Patrick Moynahan
"Alternative facts hurt us all. Think before you blindly believe."
Damanshot
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Yes, but wasn't the Affordable Care Act are supposed to help control those increase so that they are justified and not just to increase profits? So maybe these hikes we are seeing are just that, justified by the increase cost of insuring the uninsured. So in essence, what we are seeing is the, "raise the price on the hamburger 100% before we put it on sale for 50% off." 
We don't have to agree with each other, to respect each others opinion.
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It doesn't change the fact that Obamacare is an utter failure. It's called the Affordable Healthcare Act because it's supposed to make healthcare....wait for it.....affordable. Note that it is not called the Escalating Healthcare Cost Act. Blaming the increasing costs on previous trends does not change the fact that Obamacare is a failure and contributes greatly to the increased cost of healthcare doing the exact opposite of what it was intended to do.
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Quote:
Quote:
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Ask them one question, without Obamacare, what would have been the increase. I'm pretty sure that someone without an agenda will probably tell you that the difference wouldn't be that big.
So, the 5 billion is a calculation of the difference in what their "predicted" increase in premiums would have been without Obamacare vs with it.....and call it savings? Nobody's "saving" a damn thing and my premiums increased by the largest percentage in the 28yrs I've been working at my place of employment. Obama and co. said we'd be paying less....I guess he meant less than some fabricated figure he pulled out of his arse.
Not sure what your speaking to. I thought I was responding to the guy that said that his premiums have increased by a bunch. I'm merely saying that was happening long before Obamacare was a gleem in someones eye.
If you look back 10 to 15 years, you will see the premiums have risen at a staggering rate. Nothing at all to do with Obamacare.. nothing.
That's all I was referring too.
I don't see how you can say you meant nothing to do with Obamacare or you're not sure what I was speaking to. Read your quote....you directly referenced Obamacare . My reply was addressing the implications of that quote, and I didn't think I was being ambiguous..
And into the forest I go, to lose my mind and find my soul.
- John Muir
#GMSTRONG
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Quote:
I guess that I'm in the minority here. My wife and I switched insurance companies (both stayed with the same employers, just changed plans to a new one that was offered) this year. It dropped our premiums $35/month and took our deductible down $1,000/year.
You'll just have to wait until October when your new choices are presented. This is when people will see the effects of the 2014 requirements starting to be priced.
The more 'affordable' this program is the more squeezed the medical profession/insurance providers will be resulting in the fed providing more and more subsidized care. Net result, Nationalized Helathcare. IMO, the ultimate intent. 
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I have mentioned it before, I am a health insurance broker. I could type all day to describe all the changes that are occurring. First, this $5 Billion is referring to the Medical Loss Ratio (MLR) rules. Essentially, for individual and small group (50 and under in most states), 80% of every dollar must be spent on 'claims related cost'; 85% for large group. This rule only affects fully insured groups. Partially self-funded groups are not subject to this rule. Also $5 billion in insurance premium is a drop in the bucket. Consider this, Obamacare is set to charge insurance companies $100 billion in taxes over the next 10 years. $8 Billion alone in 2014. The 2014 $8 Billion would equate to over $100 more for the year for everyone insured. Here are some other taxes with Obamacare:
2013 - $1 per year per participant Patient Centered Outcome Research Panel fee (Palin's deathpanels). This is for each person covered, family of 4 is $4 per year. It increases to $2 next year.
Effective 1/1/14 - approximately 2.5% Premium tax (averaged out as it is being levied based upon carrier marketshare). This applies to dental and vision plans as well.
1/1/14 - $63 per plan participant (family of 4 would be $252) Reinsurance Pool fee. Due to the carriers no longer being able to decline individuals based upon health conditions, assuming risk they otherwise wouldn't have, both small group and individual claims for any individual in a year over $80,000 will be paid for by this fee. The carriers didn't complain about this one because it covers their butts.
Small group and individual plans will be most affected. Small group will be redefined in 2016 as under 100 eligible employees. Modified community rating will cause rates to rise in a range of 35-70% at plan renewals in 2014 for 75% of all groups. The healthier, younger groups will be hit the hardest. 25% of all groups, the older sicker groups, may see their premiums reduced up to a maximum of 20%.
There is a lot more to it than this, but I don't have all night. Rented a movie.
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I heard they were also trying to get rid of HSA's. I am self employed and use a high deductible insurance plan. I've funded my deductible fully in my HSA and just pay my monthly premium.
Have you heard anything about how those types of plans will be affected?
#gmstrong
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Health Savings Accounts, Medicare Advantage for seniors, high deductible plans, and many other items will no longer be allowed under the ACA. (Although they did make sure that Advantage was funded through after the elections, and more, so as not to scare off the senior vote. Where that money is coming from now ...... who knows?)
Micah 6:8; He has shown you, O mortal, what is good. And what does the Lord require of you? To act justly and to love mercy, and to walk humbly with your God.
John 14:19 Jesus said: Because I live, you also will live.
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Forbes disagrees with your statement on HSAs, for right now. The HSA will be allowable, as long as the high-deductible plan meets the lowest level of care as required by the law.
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My insurance changed at the start of the year. Every Fall our company lets us know about any changes in our insurance for the following year of which we have 3 options to choose from. Well up until this year i have always chosen the slightly more expensive but better coverage option but this year that option went up so much in price that my out of pocket cost (the employees pay a certain % of our premiums) would cost me more then the deductible difference was with the next plan option so i had to take the higher deductible plan.
#gmstrong
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Then either they changed it, or the "right now" part is the most important part.
Micah 6:8; He has shown you, O mortal, what is good. And what does the Lord require of you? To act justly and to love mercy, and to walk humbly with your God.
John 14:19 Jesus said: Because I live, you also will live.
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Quote:
I heard they were also trying to get rid of HSA's. I am self employed and use a high deductible insurance plan. I've funded my deductible fully in my HSA and just pay my monthly premium.
Have you heard anything about how those types of plans will be affected?
For large group, as I defined above, so long as the plan meets the minimum essential level benefits, as well as the 60% actuarial value level, HSA's are fine.
For small group, HSA's will still be around, but they will look much different. Small group will not be allowed to offer a deductible greater than $2000/4000. Most HSA's currently are sold with deductibles greater than that. The feds only allow an embedded deductible for plans with 2500/5000 levels or higher. This means, those plans under 2500/5000, the family shares the family level deductible (non-embedded), no matter what combination of claims gets you there. For non-embedded plans, the only time the individual deductible level applies is if you don't have any dependents. Also, most plans sold have 100% coinsurance once the deductible is met (maybe copays on Rx claims kickin after the ded.). What you will see a lot of are plans that look something like this - $2000/4000 then 60/40% coinsurance to the HSA out of pocket maximum of $6645/13290.
Hope that helps
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Quote:
Yes, but wasn't the Affordable Care Act are supposed to help control those increase so that they are justified and not just to increase profits?
So maybe these hikes we are seeing are just that, justified by the increase cost of insuring the uninsured.
So in essence, what we are seeing is the, "raise the price on the hamburger 100% before we put it on sale for 50% off."
A lot of the Affordable healthcare act hasn't taken effect yet. I mean, I don't think it will work the way they say it will, but at this point, it shouldn't be lowering costs..
if a couple of years from now we don't see a drop in costs, then you got something.
Last edited by Damanshot; 06/22/13 01:45 PM.
#GMSTRONG
“Everyone is entitled to his own opinion, but not to his own facts.”
Daniel Patrick Moynahan
"Alternative facts hurt us all. Think before you blindly believe."
Damanshot
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What makes paying for higher healthcare more disturbing is the myth that too many Americans are without healthcare because they cant afford it. There is no healthcare crisis..We we lied to by Obama and liberal democrats plain and simple...for the purpose of advancing socialism. Obama never ran on the passage of his healthcare bill as one of his "accomplishments" during his re-election bid...gee I wonder why. Anyone who still has an Obama sticker on their bumper might as well be saying "I'm a dumbass". http://www.enttoday.org/details/article/...s_to_Healt.html
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Just wait, under the lead  ership of the IRS when Affordable  Health Care kicks in for real (2014) YOU AIN'T SEEN NOTHIN YET. Maybe that's why Obama has been buying up all the ammo?
GO BROWNS!
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Joined: Jan 2007
Posts: 3,643 |
Im glad to hear that it is saving us money, because it sure seems that my weekly fee has gone up as well as any medications I may have to buy. It sure seems like it has all become more expensive to me, so its good to know that its saving me money.
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DawgTalkers.net
Forums DawgTalk Everything Else... Affordable Health Care Act has
saved us $5 Billion
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