Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
I have insurance and my rates haven't budged. I also don't know anybody personally that's had their premium go up, NOBODY. I keep hearing that
same talking point but don't know any real life person experiencing it
Yes you have. Everyone. The rates were going to go up regardless due to annual or 6 month rate changes. If you want to speak hyperbole then at least do it smart.
The ACA has obviously increased the cost for some people. It's no secret and they straight up say so. Why you want to pretend otherwise is weird.
No they won't double or triple. Where are you getting this from?
The information I gave in post #45 are the MAXIMUM monthly premiums. It very specifically states that on the website.
The rates do account for the ages of the applicants.
The link is there as a guide.
I'm trying to be helpful to people here.
Ponderosa if you want to give me your info including ages, state, zip code, number of kids I'll type it in for you.
I've already enrolled, thanks. I am saving a few hundred bucks a year with a better policy from Obama than my former employer (retired) offered. Just waiting till I am old enough for the real motherlode of freeload now - Medicare!
I would also like to point out that in my state there are 111 plans available. There are plans with staggering deductibles, ones with no deductibles, HMOs, PPOs, and everything in between. People would be wise to go through the process of creating a real account on Healcare before jumping to conclusions about what it is going to cost them. I did one for my neighbor a couple days ago and it was a painless process with the site running decently if not great.
Last edited by Ponderosa; 10-18-2013 at 12:17 PM..
I have no idea. I never claimed to know anything about deductibles. This thread is about premiums. Which specific deductible are you talking about? Perhaps you could look it up somewhere and let us know.
This info is for 2 adults, ages 40 & 49 respectively, no children, non-smokers, living in California, making $82k annually.
results
Because your income is more than 400% of the poverty level, you would not qualify for subsidized exchange coverage. The information below is about unsubsidized exchange coverage.
Household income in 2014: 529% of poverty level Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy: None Health Insurance premium in 2014 (for a silver plan, before tax credit): $9,807 per year You could receive a government tax credit subsidy of up to: $0 per year
(which covers 0% of the overall premium) Amount you pay for the premium: $9,807 per year
(which equals 11.96% of your household income and covers 100% of the overall premium)
OTHER LEVELS OF COVERAGE
The premium amounts above are based on a Silver plan. You could purchase other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).
For example, you could enroll in a Bronze plan for about $7,208 per year (which is 8.79% of your household income). For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.
OUT OF POCKET COSTS
Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $12,700. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.
A Silver plan has an actuarial value of 70%. This means that for all enrollees in a typical population, the plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.
OTHER COVERAGE OPTIONS
Because Bronze level coverage would cost more than 8% of your household income, you may instead opt to purchase catastrophic coverage. With a catastrophic plan, you would pay out-of-pocket for most health services until you reach the annual limit on cost sharing ($12,700 in 2014). However, preventive services are covered with no cost sharing required.
Wow....what a deal! Not only does our premium go up almost 43%, but the out-of-pocket max is FAR higher than our current insurance as well.
People....we've just found out the best way to separate the takers from the givers on this forum. If anyone here in their right mind is proffering this crap as a positive, it's because they are the ones getting the subsidy and acquiring their healthcare on the backs of others.
It's wealth redistribution at its finest. Take it from the people who produce, give to the people who lay on their ass.
I have no idea. I never claimed to know anything about deductibles. This thread is about premiums. Which specific deductible are you talking about? Perhaps you could look it up somewhere and let us know.
Deductibles are a pretty important part of the equation when determining the value of a plan. In fact they are probably more important than the premium itself.
I have insurance and my rates haven't budged. I also don't know anybody personally that's had their premium go up, NOBODY. I keep hearing that same talking point but don't know any real life person experiencing it. But hey, I know folks have to spread propaganda as fast as they can because people are starting to realize the ACA is not the doomsday threat conservatives want them to think it is...Remember medicare and social security? Same crowd said the same thing. In a strange twist, these same weirdos nominated Romney who put forth the same plan as Gov. Yeah, I think this isn't about the ACA, it's their pure hatred for Obama personally.
Open enrollment for employer plans for NEXT YEAR is not until November. YOu will see the new increased rates then. They cannot change your rate during the current year.
With the site being constantly upgraded, they've added the ability for people to browse plans without completing the entire application. This should (in theory) help stunt all the ridiculous rumors about super high premiums and whatnot. I think Ted Cruz was right, once people get it they'll love and wont give it up. I'm glad more people will have access to affordable healthcare.
Whatnot? Really....
What about those ridiculous deductibles? I heard someone yesterday complaining that not only was their deductible high, but it resets every year. They thought it was a lifetime deductible. Were people really that stupid, that they thought a government run socialist healthcare insurance program would be less expensive?
People....we've just found out the best way to separate the takers from the givers on this forum. If anyone here in their right mind is proffering this crap as a positive, it's because they are the ones getting the subsidy and acquiring their healthcare on the backs of others.
It's wealth redistribution at its finest. Take it from the people who produce, give to the people who lay on their ass.
Well it's not simple as that. It looks like my rates are going down or way down. But I haven't yet decided on the deductible or total OOP yet. We'll probably go with an HSA + high deductible.
Those of us with individual plans that already pay very high rates due to disease will see some relief.
Has existed for years, and it doesn't cost taxpayers OR policyholders a dime. And, it's not the only one, it's just one of the more popular ones.
It costs the insurance companies. ACA policies sold on Healthcare.gov cost the insurer 3.5% commission paid to Obama. The same commission applies on ehealthinsurance and there is also a commission charge from ehealthinsurance beyond Obama's cut. I do not know where that is figured into the rates. In my own case, the plans on ehealthinsurance are all the ones from BC and Aetna and none of the cheaper ones being sold on the exchange are shown there. So if you go to ehealth, be aware you may pay more and your selection may not be as wide as the one on the government site.
This is a guy who can't even grasp the moral of 'Green Eggs and Ham'.
Green Eggs and Ham is a childs story.
We live in an adult world where the cost of healthcare just exploded like Mt. Vesuvius. Wiped out a civilization and buried the citizenry in it's aftermath. No one recovered.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
