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Health insurance rates are way to much money.

skijay

Member
Joined
Dec 22, 2003
Messages
909
Points
16
Location
MA
Zip Codes dictates premiums so those with "higher earners" will basically be subsidizing those Zip Codes with the "lower earners". That part of the Act is working as designed.
 

ScottySkis

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Jan 16, 2011
Messages
11,996
Points
38
Location
Middletown NY
I wirk in 10113 which is a high high end zip code but i dont make much money by boss does. I was paying a lot less with more benfits with last years plan. Also boss was paying 80% of insurnace now he is paying 50%. April 15 was last enrollement in Affordale Act now i cant enroll in that. .
 

Puck it

Well-known member
Joined
Oct 26, 2006
Messages
9,613
Points
48
Location
Franconia, NH
We lost our HMO Blue and have only two options now. A HSA and PPO. We went with the HSA with the lower monthly cost and a $2500 deductible before any kicks in. And I work for a $19 billion company. Thank you ACA.
 

Siliconebobsquarepants

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Joined
Dec 14, 2013
Messages
2,708
Points
48
Location
Lehigh County Pa.
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www.youtube.com
Don't get me started!!!! Self employed , went up 40% day after election. Following year went to a $4000.00 deductable to keep down to
15% increase. Recently dropped it to go on Wifes ins. was $498.00 mo for just me.
"Have to pass it to see wats in it", "Stool sample" as some AZ'er wrote
 

wa-loaf

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Jan 7, 2007
Messages
15,062
Points
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Location
Mordor
$200 increase in what I pay at my job per month wtf.:x

We lost our HMO Blue and have only two options now. A HSA and PPO. We went with the HSA with the lower monthly cost and a $2500 deductible before any kicks in. And I work for a $19 billion company. Thank you ACA.

Sounds like your companies are using using the law as an excuse to screw you. My insurance went up the usual couple of percent for the year.
 

Savemeasammy

New member
Joined
Mar 20, 2013
Messages
2,538
Points
0
Location
S. NH
We lost our HMO Blue and have only two options now. A HSA and PPO. We went with the HSA with the lower monthly cost and a $2500 deductible before any kicks in. And I work for a $19 billion company. Thank you ACA.

My wife is a teacher. I am waiting for something similar to happen to us in the future.


Sent from my iPhone using Tapatalk
 

Puck it

Well-known member
Joined
Oct 26, 2006
Messages
9,613
Points
48
Location
Franconia, NH
Sounds like your companies are using using the law as an excuse to screw you. My insurance went up the usual couple of percent for the year.


The HMO Blue plan had a max not allowed under ACA and did give justification to screw us.
 

ScottySkis

Active member
Joined
Jan 16, 2011
Messages
11,996
Points
38
Location
Middletown NY
Up boss probably make who ever left pay 90% nedt yesr. So kooking for new job again. I ak for compay making profit bit as employy i need money for work other wise why be productive?
 

deadheadskier

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Mar 6, 2005
Messages
25,808
Points
63
Location
Southeast NH
I'm patient. I think as participation continues to rise, costs will come down and better options and plans will open up. I think the current pain is merely an over-reaction from the private insurance market as they adjust to the new normal of semi-public healthcare insurance.

Feel free to flame me for that opinion. I'll bump this thread in five years and I'll either be right or I'll eat crow.
 

hammer

Active member
Joined
Apr 28, 2004
Messages
5,488
Points
38
Location
flatlands of Mass.
Sounds like your companies are using using the law as an excuse to screw you. My insurance went up the usual couple of percent for the year.
Had this as well but deductibles went up for specialist visits.

Over the past several years the insurance company has held my employer hostage...either put up with reductions in benefits or face double-digit percentage increases. To my employer's credit, our cost share has remained fixed for several years...but our benefits have eroded to just that required under Mass. law. This erosion of benefits has been going on long before ACA kicked in. Now the claim is that ACA is the reason...right...

And I have had a $2000 individual and $4000 family deduction for several years now. Really stings financially when a few family members get injured like last year...and other stuff happens like the year before...
 

wa-loaf

Active member
Joined
Jan 7, 2007
Messages
15,062
Points
36
Location
Mordor
Had this as well but deductibles went up for specialist visits.

Over the past several years the insurance company has held my employer hostage...either put up with reductions in benefits or face double-digit percentage increases. To my employer's credit, our cost share has remained fixed for several years...but our benefits have eroded to just that required under Mass. law. This erosion of benefits has been going on long before ACA kicked in. Now the claim is that ACA is the reason...right...

And I have had a $2000 individual and $4000 family deduction for several years now. Really stings financially when a few family members get injured like last year...and other stuff happens like the year before...

I'm paying $500+ a month for a family plan (pre-tax). Company only offers a PPO, I think they save by only offering one plan. They pay 60% so it's a pricey plan. No deductible $25 copay, had surgery on my foot including and implant and it only cost me the $250 day surgery cost, hospitalization would cost $500. $25/40/55 prescription rates. I really like that I can go directly to a specialist instead of dealing with a primary care doc. I feel really lucky that our company takes care of us.
 

ctenidae

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Joined
Nov 11, 2004
Messages
8,947
Points
38
Location
SW Connecticut
Sounds like your companies are using using the law as an excuse to screw you. My insurance went up the usual couple of percent for the year.

I agree- I think there's a lot of this going on. My insurance stayed the same this year.
ACA can cause problems for self employed folks, though Not supposed to, but, well, it's a government run market.
 

Edd

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Joined
Nov 8, 2006
Messages
5,504
Points
48
Location
Newmarket, NH
My company had a noticible reduction in coverage this year and sent out emails explaining that they, also, are responding to changes triggered by the ACA. Ours falls under the definition of a Cadillac plan and they claim we need to avoid fees imposed on companies with such plans.

However, I don't think those fees are active yet and they've also chipped away at coverage, in tiny increments, for several years, the ACA notwithstanding. I agree that some companies are taking advantage of the situation but I'm not in a position to complain much.
 

hammer

Active member
Joined
Apr 28, 2004
Messages
5,488
Points
38
Location
flatlands of Mass.
I wirk in 10113 which is a high high end zip code but i dont make much money by boss does. I was paying a lot less with more benfits with last years plan. Also boss was paying 80% of insurnace now he is paying 50%. April 15 was last enrollement in Affordale Act now i cant enroll in that. .
Guessing that's the source of the increase right there...and do you really have a choice to go into the open market since in that case you would be on the hook for the entire premium.

I may get flamed for this but one of the problems with the current system is that it's still tied too much into employment. If health care just wasn't offered as a employment benefit and everyone went on the insurance marketplace I'd hope there would be more choice and lower premiums. Downsides of this change are that the current system for getting insurance is still FUBAR and that removing employers from the equation would result in a significant pay cut for many (doubt employers would be fair and increase wages/salaries to make up for not having to pay insurance premiums). I also think this would be a hard sell for many since there are still a lot of people out there who benefit a lot from the current system.
 

Puck it

Well-known member
Joined
Oct 26, 2006
Messages
9,613
Points
48
Location
Franconia, NH
I'm patient. I think as participation continues to rise, costs will come down and better options and plans will open up. I think the current pain is merely an over-reaction from the private insurance market as they adjust to the new normal of semi-public healthcare insurance.

Feel free to flame me for that opinion. I'll bump this thread in five years and I'll either be right or I'll eat crow.

So next year the rates will rise because they did not get the healthy people to sign up like they expected.
 

snoseek

Well-known member
Joined
Jun 7, 2006
Messages
5,239
Points
48
Location
NH
Website
www.bushslastday.com
Health insurance-must be nice....

I can't even wrap my head around what the fuck to do at this point. I move every six months and go from decent earning to very low earnings. Yeah, I'm stupid for playing risky I know.

Anything else I have to say will only awaken the old people on here so ill stop there
 
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