Obamacare and your premiums.

[Sinfix_15]

I wish more parents would take on home schooling their kids. Stop wasting the schools time withself-important parents. They end up failing miserably, and that's how we end up with dumbass kids who end up believing the school system is loaded with left wing propaganda.

If you want to believe the earth is 6000 years old and the left sole philosophy is indoctrinating young kids, then that's fine, but leave your children out of it. The earth doesn't need any more morons like Sinfix and AFSik80

Yeah.... the world needs less self sustained, college educated, tax paying, law abiding professionals like me.

We need more people sitting on thier ass living in welfare villages dropping out of school to pursue rap careers who think mcdonalds wont pay them 40k a year because of racism and somebody need to pay for Sheniquas 9 kids because the baby daddies aint around.

I can exist without liberals.

Liberals need people like me to feed off of.

Its hilarious for you of all people to accuse someone of being entrenched in thier beliefs....

[AFSil80]

I wish more parents would take on home schooling their kids. Stop wasting the schools time with self-important parents. They end up failing miserably, and that's how we end up with dumbass kids who end up believing the school system is loaded with left wing propaganda.

If you want to believe the earth is 6000 years old and the left sole philosophy is indoctrinating young kids, then that's fine, but leave your children out of it. The earth doesn't need any more morons like Sinfix and AFSik80

I'm not gonna lie. I'm glad that we are still allowed to think differently, b/c it would be quite boring otherwise.

Granted, we can't all be responsible individuals and take it upon ourselves to improve our lives instead of letting the govt do it for us. Someone has to be the shepherd, someone has to be the sheep. Keep on bleating that liberal BS kid, I'll handle myself just fine.

[.blank cd]

I'm not gonna lie. I'm glad that we are still allowed to think differently, b/c it would be quite boring otherwise.

It would be even less boring if the people who didn't want to think differently (those same people) weren't doing everything in their power to regress society.

Granted, we can't all be responsible individuals and take it upon ourselves to improve our lives instead of letting the govt do it for us. Someone has to be the shepherd, someone has to be the sheep. Keep on bleating that liberal BS kid, I'll handle myself just fine.

Looks like we found our sheep.

[AFSil80]

It would be even less boring if the people who didn't want to think differently (those same people) weren't doing everything in their power to regress society.

I'm glad we can agree about this in regards to Obama.

[.blank cd]

"We know nothing about science or policy or economics or the education system, but this is how it should be. We're 'thinking differently', you're just liberal sheep"

LOL. Tell it again, humans.

[.blank cd]

Why are all of his tax policies about bringing to top down and not the bottom up?

Your opinion. The facts say otherwise. Those pesky "liberal" things the willfully ignorant like to ignore.

Why do all of his economic policies hurt the economy, and none help it?

Last time I, and any other economist has checked, time and time again, we've pretty much avoided a global economic system collapse. So, compared to that, I'd say we're doing alright. There's food at our table and clothes on our backs. Try again.

Why have almost all of his campaign promises become lies?

This is why I'm tired of posting in this section. I'm in the Obama-hating spin zone, and everyone is working backwards from there. Lol. It's like Obamas everyone's most hated football team. How about instead try to figure out how the game is played?

The reasons are actually pretty simple, but you will blame it on the GOP instead of looking at it realisticly.

The reasons are pretty complex to tell you the truth. I suppose if they were as simple as you all think, I could just call up An Ivy League school and have them fax me an economics doctorate, cause getting it the traditional way is everything but simple. Lol.

And if the shoe fits.

[BanginJimmy]

Your opinion. The facts say otherwise. Those pesky "liberal" things the willfully ignorant like to ignore.

What facts say otherwise? I have yet to hear a tax proposal from him that doesnt include "fair share" or "millionaires and billionaires". Every new budget plan seems to start with new "revenue" from the rich, yet very little about how to expand the middle class. Hell, even his talks about expanding the middle class seem to center on higher taxes for the rich.

Last time I, and any other economist has checked, time and time again, we've pretty much avoided a global economic system collapse. So, compared to that, I'd say we're doing alright. There's food at our table and clothes on our backs. Try again.

So prove to me how his economic policies did this, not the simple passage of time. We certainly havent seen a recovery of any note even though we have been through 2 or 3 summers of recovery. Wages are stagnant, inflation is increasing in some sectors, especially food.

This is why I'm tired of posting in this section. I'm in the Obama-hating spin zone, and everyone is working backwards from there. Lol. It's like Obamas everyone's most hated football team. How about instead try to figure out how the game is played?

And what you want is a pro Obama spin zone?


The rules of the game are simple. Smear and ridicule your opponent while at the same time try to make as few moves as you can that can offer fodder for your opponent. Whether you are helped or hurt by a politician's proposal is nothing more than an unintended consequence. The intended purpose is to either make you think their proposal can help you or to hurt their opponent. The actual effects are meaningless.

The reasons are pretty complex to tell you the truth. I suppose if they were as simple as you all think, I could just call up An Ivy League school and have them fax me an economics doctorate, cause getting it the traditional way is everything but simple. Lol.

And if the shoe fits.

The reasons are actually very simple.

We have a highly uneducated and uninterested electorate that mainly align with a political party and will vote for that party no matter what. Most people dont even know the names of the people they are voting for. This results in negative campaigns that center on smear tactics and allows candidates to actually say very little. Now we wonder why politicians are so pitifully unsuited to the task when they were elected BECAUSE of their negativity.

As for Obama, his economic policies are a failure because of his advisers. Ivy League PhD's with little actual experience.

How else could an average Joe ON THIS SITE tell you that Obamacare was going to be a failure, and WHY it was going to be a failure when all these ivy Leaguers were saying how successful and loved it was going to be?
Why hasnt Gitmo been closed yet? Oh, for the same reason it was put there in the first place, no better place for it.
Why are we less respected around the world now than we were 5 years ago?

[.blank cd]

Or maybe it's just the government hating spin zone. Who knows. We'll figure it out in a few years when the middle name of the guy in the hot seat isn't 'Hussein'. Lol.

[Browning151]

Well then....

15-20 Percent Aren't Paying Obamacare Premiums, Insurer Says

One of the biggest players in Obamacare's exchanges says 15 to 20 percent of its new customers aren't paying their first premium—which means they're not actually covered.

The latest data come from the Blue Cross Blue Shield Association, whose members—known collectively as "Blues" plans—are participating in the exchanges in almost every state. Roughly 80 to 85 percent of people who selected a Blues plan through the exchanges went on to pay their first month's premium, a BCBSA spokeswoman said Wednesday.

The new statistics, particularly from such a large carrier, help define how many people are actually getting covered under the Affordable Care Act.

The Blues' experience is in line with anecdotal estimates from other insurance executives, who indicated earlier in the enrollment process that they received payments from about 80 percent of people who selected their plans.

The Blues' latest estimate includes policies that took effect Feb. 1 or earlier, the spokeswoman said.

Some health care analysts have suggested that the payment rate could improve later in the enrollment window, as plans had more time to track down consumers who hadn't paid.

Wherever the final number ends up, it will be the real measure of how many people are actually covered through the Affordable Care Act's exchanges. The Obama administration has been releasing the number of people who selected a plan, but says it doesn't have accurate data on how many have actually paid. And consumers don't have coverage they can use until they make that first payment.

If the nationwide payment rate, across all carriers, remains at 80 to 85 percent, the 7.1 million sign-ups Obama announced Tuesday would translate into somewhere between 5.7 and 6 million people who are actually covered.

So the number could improve, but right now it's looking basically like a wash when you factor in the number of cancellations.

[.blank cd]

Well then....

15-20 Percent Aren't Paying Obamacare Premiums, Insurer Says

Conversely, 85% have paid their first month premium. Guess it all depends on how you want your news to sound.

cancellations.

When is the right going to retire this talking point? Half of the people who got cancellation letters were automatically enrolled in compliant policies.

Guess that makes it more than a wash, huh? Lol

[BanginJimmy]

Conversely, 85% have paid their first month premium. Guess it all depends on how you want your news to sound.



When is the right going to retire this talking point? Half of the people who got cancellation letters were automatically enrolled in compliant policies.

Guess that makes it more than a wash, huh? Lol

First months premium, let's see what that number is now and in 6 months. How many paid their January premium but not the February or March bill? Are they still counted as signed up?


Really though, until the full numbers are released along with a full breakdown of the numbers, the reported number means nothing.

[Vteckidd]

But premiums arent rising:

Just a fun little story for you guys, not blaming ACA but, I have to wonder..........

June 9th I tore my ACL playing basketball. I have private insurance (meaning I pay for it myself) through KP. I had the Classic 1500 Plan.

Deductible $1500
Premium $204/month (Healthy 33 year old male non smoker)
20% COins
$40 Copay Dr Visit
$70 Specialist
$250 emergency
Max Out of Pocket $5000

Surgery was scheduled for Aug 13th. On friday I got a letter from my provider that simply said here is your new ID cards. I noticed that my deductible was now $2500.................

Long story short, back in DEC they had the option of opting into your current plan, or, being enrolled in a ACA "appropriate plan". I faxed in my acceptance despite their phone lines being down for DAYS (KP even acknowledged they were severely overrun). Guess what? They dont have any record of my fax coming through, so as of Aug 1st my plan went to this:

Deductible $2500
Premium $295/month
30% COins
$35 Copay
$400 Emergency
Max Out of Pocket $6350

So, 10 days before im scheduled to have surgery they have completely wiped out any of my benefits ($500 MRI would have gone toward my deductible), raised my deductible $1000 and my out of pocket $1350.

AND, my monthly premium went up 30%.

KP reasoning? Increased costs due to the ACA.

Luckily I can afford it, but its pretty shitty the Insurance company is jacking my rates in the middle of a calendar year 10 days before surgery.

[bu villain]

That sucks. Only thing I don't understand is how did you fax them if their phone lines were down?

[Vteckidd]

That sucks. Only thing I don't understand is how did you fax them if their phone lines were down?

I faxed multiple times. Finally it went through, but for days all we got was a busy signal, even KP admitted this

[bu villain]

I faxed multiple times. Finally it went through, but for days all we got was a busy signal, even KP admitted this

Well at least your persistence paid off...

[Vteckidd]

Well at least your persistence paid off...

Well, it did an it didnt. It went through, now 8 months later they are saying it didnt.

Regardless, they changed my plan from $1500 to $2500 and raised my premium 30%.

Just more evidence that the ACA is driving costs up, not down

[Browning151]

Holy shit, 2 posts in the politics section.


I got the same letter last year about being able to stay on my current plan or go to an ACA plan, if I'm forced on to an ACA plan at the end of this year I will most likely be dropping my ins.

[bu villain]

Holy shit, 2 posts in the politics section.

I'm only here until Sinflix realizes political discussion is going on, then I'm out.

[Echonova]

So some of you may know, some of you may not. I broke my back at work and got "suspended without pay" from my old job... So they they could get me to quit without paying unemployment and dispute my workman's comp claim all in the same breath.

Whateve's. I'll be fighting that battle for the next 7 years I'm sure thanks to our swift legal system. We truly need a "loser pays" system IMO...

But Obamacare is working. I went from a company with a $10,000 family deductible to have to drop all my existing doctors to get on my new company's plan with a $9,500 deductible... The savings are unbelievable.

I'm thinking of taking that extra money I'm saving and getting a new Jaguar F-Type convertible. What do you think I should do?

[Echonova]

The upside is I have an office job with a fat increase in income...



The downside is I'm not an office kinda guy.

[Echonova]

I'm making multiple posts because I dare not try and leave this topic without being sent back the the Home Page..


FIX THAT SHIT!!!!!!!!!!!!!!

[Echonova]

FYI: In case Blank Cd is reading... I was "suspended without pay" because the doctor said I could no longer do the daily activities "required" by my work... Since they could no longer "legally" make me work and I refused to lie on a government document, they denied the income I so richly deserved... Even more so then them damn "undocumented Americans" I would venture to say.

Do I have a case?

[ISAtlanta300]

Where is BlankCD these days I wonder....... lol

[bu villain]

Well, it did an it didnt. It went through, now 8 months later they are saying it didnt.

Yeah I was kidding. You went through all that effort and they still lost it.

So some of you may know, some of you may not. I broke my back at work and got "suspended without pay" from my old job... So they they could get me to quit without paying unemployment and dispute my workman's comp claim all in the same breath.

Holy shit! Sounds like there may be some lawyers in your future.

[Echonova]

Holy shit! Sounds like there may be some lawyers in your future.

There are lawyers in my life now. But the dark side is using every legal maneuver/tactic to drag it out. Once I win (I'm don't see how I could lose) they will appeal and drag it out longer. And the appeal the appeal...I may end up getting paid before the zombie apocalypse wipes out mankind. But that's just a best case scenario.

[Browning151]

I know no one ever posts here anymore but I just have to ask....

Hey Blank, since you're the self professed economic genius around here, how do you feel about Obamacare (you know that healthcare thing you so vehemently supported) being called "a basic exploitation of the lack of economic understanding of the American voter"?

[Vteckidd]

I just got ANOTHER notice that my premium is going from

$435 950 Deductible /950 Max
to

$477 2000 Deductible / 5000 Max

So recapping, in the last 12 months, Ive gone from $209 900 / 900 to 477 2000/5000

But I suppose thats not enough evidence to prove premiums are rising in his mind

[David88vert]

Mine has gone to $1500/month for basic medical coverage for 4. It's higher than most mortgages. We haven't had any claims and have no health issues. It's insane (but required by law) to give the government $18K/yr to take care of other people who do not put into the system.

[BanginJimmy]

Mine went up 12% this year to over 200 a month (employer pays 87%}. My plan will most likely be called a Cadillac plan come 2018 also so I expect to see my benefits reduced when it does take affect.

[bu villain]

For 2015, my premiums will go up by $17/mo (not sure about employer's contribution) and my deductable will go up by 200/400 (Indidual/Family). Pretty much everything else stayed the same. That would be an increase of 21% for my premium and 6% for my deductible. I'm on a high deductable plan.