Obamacare Rates to Rise 13.5% in 2015. Didn't Obama Promise ACA Would Lower Costs?

[Antares]

Everything that has been posted about Rates so far by ANYBODY is not telling the real story here.

They are telling us what "average" increase is over ALL of the plans and that is completely misleading.

The only numbers that matter are those that will show us not what the average increase is but what the increase is for the plans that have the most subscribers or policy holders.

Using the "average" paints a very nice picture of moderate increases......

 

[Roadrunner]

Well,

I know we're all shocked. But BCBS of North Carolina released rates for 2015 for ACA plans in their State. The rates will rise 13.5% The Obama Administration is desperately trying to keep the rate increases hidden until after the mid-term elections. Official sign ups and new rates nationally will not be available until November 15th....a full week after the election.

Funny how that turned out....isn't?

Please read the full story here. It should be sobering for all of us....but particularly for the dupes who voted for the lying sack of shit the Obumbler.


Blue Cross reveals 2015 health insurance rates
North Carolina's Blue Cross: 2015 rates to rise 13 percent on average for individual ACA plans

By Jonathan Drew, Associated Press 2 hours ago

• RALEIGH, N.C. (AP) -- North Carolina's largest health insurer said on Wednesday that 2015 rates will rise by more than 13 percent on average for buyers of individual Affordable Care Act policies.
  
  Blue Cross and Blue Shield of North Carolina discussed the expected rate increases in a teleconference several weeks ahead of the Nov. 15 kickoff for the enrollment period for coverage starting in January.
  
  Blue Cross said rates would rise an average of 13.5 percent for 315,000 customers who enrolled this year in individual plans that comply with President Barack Obama's health insurance law. It cautioned that the actual increase for each person will be affected by factors including age, location and plan level.
  
  As an example, the insurer said a 45-year-old nonsmoking man in the Raleigh area who didn't receive subsidies would see his monthly premium rise by about $57 to $421.32 per month on a typical individual ACA silver plan. Most customers, however, receive the subsidies.
  
  "It is important for customers to understand their health care needs, update their information to get the subsidy amount they are eligible to receive and select an insurance plan with the level of coverage they want at a price that works for them and their family," said Patrick Getzen, vice president and chief actuary for Blue Cross and Blue Shield of North Carolina.
  
  Aside from the those policies, the insurer is maintaining pre-existing plans that don't conform to the Affordable Care Act's requirements but that customers wanted to keep. The Obama administration said in March that it was allowing a two-year extension for individual policies that don't meet the health law's requirements.
  
  The insurer said its rates for those pre-existing individual plans will rise by an average of 13.4 percent for policies sold before the federal law was signed by Obama in March 2010. Individual plans sold by the insurer between then and October 2013 — when the health overhaul exchanges opened — will have rate increases of 19.2 percent on average.
  
  Blue Cross said about 239,000 people were enrolled in those pre-existing individual plans in 2014.
  
  One factor affecting premiums is how costs are spread among the mixture of people of varying ages and health care needs. Blue Cross said in a news release that the group buying its individual ACA plans was older than expected because many younger, healthier customers stayed in pre-existing plans.
  
  "There needs to be a mix of customers within each category to balance risk and expected costs," Getzen said.
  
  Blue Cross and Blue Shield of North Carolina is the only insurer to offer ACA plans in all 100 of North Carolina's counties.

My deductible went from $300 to $1,000, and all copays went up 50%.

Somebody has to pay for the irresponsible sons of bitches that never got insurance, and now flood the pools with pre-existing conditions.

Makes me sick.

 

[Roadrunner]

As for the topic title: It is factually correct for the rates we know of. Should you get any further facts...please post. It is not the American's People fault Obama will not tell them the truth.

Why, I am glad you asked!

ACA state exchanges

By contrast, the average premium increase across all reporting states is 5.9% and the average premium is $382.

The data you present is false....at least for North Carolina. The actual ACA increases per BCBS of North Carolina is 13.5%. Your data says 6%.

Your data is clearly wrong.

The data is not wrong, It is your reading comprehension which is the problem.

The data in the opening post was cherry picked, and only applies to 315,000 people who buy individual Affordable Care Act policies.

But the average for ALL North Carolinians is 6 percent.

SO, 6% is a far cry from "saving $2,500 per family" as the propaganda said.

 

[g5000]

Maybe you can get Obama to release the rates nationally before the election?

You think Obama is in charge of rates?

Yes he has control of that

Actually, he doesn't. Rate increases are controlled at the state level.

Thank you for playing.

Your pride is your worst enemy g.

"Because of the law, the Department of Health and Human Services (HHS), along with states, is working to hold insurance companies accountable by requiring them to document, submit for review, and publicly justify rate increases of 10 percent or more.Additionally, the Affordable Care Act continues to provide states with rate review grants to enhance state efforts to review proposed increases in health insurance rates and make information and decisions about rate increases available to the public."

U.S. Department of Health and Human Services Rate Review Annual Report - September 2013

Maybe you can get Obama to release the rates nationally before the election?

You think Obama is in charge of rates?

Yes he has control of that

Actually, he doesn't. Rate increases are controlled at the state level.

Thank you for playing.

Your pride is your worst enemy g.

"Because of the law, the Department of Health and Human Services (HHS), along with states, is working to hold insurance companies accountable by requiring them to document, submit for review, and publicly justify rate increases of 10 percent or more.Additionally, the Affordable Care Act continues to provide states with rate review grants to enhance state efforts to review proposed increases in health insurance rates and make information and decisions about rate increases available to the public."

U.S. Department of Health and Human Services Rate Review Annual Report - September 2013

As it plainly states, the HHS (not Obama as bigreb believes) only gets involved when rate increases exceed 10 percent.

 

[g5000]

SO, 6% is a far cry from "saving $2,500 per family" as the propaganda said.

Oh, you were definitely lied to by the ObamaCare bots.

As I said, neither side has been honest about this issue.

 

[Roadrunner]

In fairness ( as if that mattered around here) you need to compare these rates to what the rates would be if you take away

1. pre-existing conditions protection, and,

2. the subsidies,

for starters.

"Pre-existing conditions protection"= Robbing the fools stupid enough to pay for insurance before they needed it.

 

[g5000]

Everything that has been posted about Rates so far by ANYBODY is not telling the real story here.

They are telling us what "average" increase is over ALL of the plans and that is completely misleading.

But the topic title ISN'T misleading? BWA-HA-HA-HA!

 

[the_human_being]

One thing you as OP can count on with the responses to your thread. Those who oppose Obamacare will be those who are paying for Obamacare while those who praise Obamacare are those receiving taxpayer funded subsidies to defray the costs of their own Obamacare premiums. 83.3 % of all those insured through Obamacare receive taxpayer funded subsidies. You may rest assured that anyone at all who supports this tax on the middle class is one of those who is receiving the benefit of this tax levied upon someone else. He/she will beat their chests and deny they are receiving subsidies but the odds are 83.3% that they lie.

 

[Antares]

Maybe you can get Obama to release the rates nationally before the election?

You think Obama is in charge of rates?

Yes he has control of that

Actually, he doesn't. Rate increases are controlled at the state level.

Thank you for playing.

Your pride is your worst enemy g.

"Because of the law, the Department of Health and Human Services (HHS), along with states, is working to hold insurance companies accountable by requiring them to document, submit for review, and publicly justify rate increases of 10 percent or more.Additionally, the Affordable Care Act continues to provide states with rate review grants to enhance state efforts to review proposed increases in health insurance rates and make information and decisions about rate increases available to the public."

U.S. Department of Health and Human Services Rate Review Annual Report - September 2013

Maybe you can get Obama to release the rates nationally before the election?

You think Obama is in charge of rates?

Yes he has control of that

Actually, he doesn't. Rate increases are controlled at the state level.

Thank you for playing.

Your pride is your worst enemy g.

"Because of the law, the Department of Health and Human Services (HHS), along with states, is working to hold insurance companies accountable by requiring them to document, submit for review, and publicly justify rate increases of 10 percent or more.Additionally, the Affordable Care Act continues to provide states with rate review grants to enhance state efforts to review proposed increases in health insurance rates and make information and decisions about rate increases available to the public."

U.S. Department of Health and Human Services Rate Review Annual Report - September 2013

As it plainly states, the HHS (not Obama as bigreb believes) only gets involved when rate increases exceed 10 percent.

Which plainly shows you were wrong,you rpoint was that ONLY the States had the authority.

Grow up and take your ego out of all this stuff man.

 

[kaz]

Maybe you can get Obama to release the rates nationally before the election?

You think Obama is in charge of rates?

Um...that isn't what Queen said. Did you read her post or just liberal it?

 

[Roadrunner]

ObamaCare bots implied that ObamaCare would reduce the cost of health care in America. They posted chart after chart after chart of per capita spending on health care by country during the debate over ObamaCare leading up to its passage.

Bait and switch. The cost is not coming down. It continues to rise.

As for the topic title, it implies ObamaCare rates are going to rise by 13.5% everywhere in 2015. That, too, is misleading.

There is very little honesty on either side of the debate.

Maybe you can get Obama to release the rates nationally before the election? As for the topic title: It is factually correct for the rates we know of. Should you get any further facts...please post. It is not the American's People fault Obama will not tell them the truth.

I disagree.

The American people are at fault because Obama will not tell them the truth; they never demanded it from him, and elected him a second time knowing he was a lying, conniving charlatan.

 

[Antares]

Everything that has been posted about Rates so far by ANYBODY is not telling the real story here.

They are telling us what "average" increase is over ALL of the plans and that is completely misleading.

But your topic title ISN'T misleading? BWA-HA-HA-HA!

My topic title?

Not my thread Fred.

But you would agree a better reflection of the rate increases would be to post the increases for the most used plans?

Correct?

 

[Roadrunner]

LOLOL

"The insurer said its rates for those pre-existing individual plans will rise by an average of 13.4 percent for policies sold before the federal law was signed by Obama in March 2010. Individual plans sold by the insurer between then and October 2013 — when the health overhaul exchanges opened — will have rate increases of 19.2 percent on average."

So the pre-existing plans that some people were clamoring to keep, instead of going to the exchange, are going up as much or more than the exchange plans.

Sometimes you should read the stuff you post.

How many people in the new plans would have still been in the old plans?
The larger the pool, the less the increase.

Bullshit, not when you flood the pool with pre-existing conditions.

The PPACA is nothing but a scam to take from the responsible and give to the irresponsible.

I am much worse off now than before the plan.

 

[Antares]

LOLOL

"The insurer said its rates for those pre-existing individual plans will rise by an average of 13.4 percent for policies sold before the federal law was signed by Obama in March 2010. Individual plans sold by the insurer between then and October 2013 — when the health overhaul exchanges opened — will have rate increases of 19.2 percent on average."

So the pre-existing plans that some people were clamoring to keep, instead of going to the exchange, are going up as much or more than the exchange plans.

Sometimes you should read the stuff you post.

How many people in the new plans would have still been in the old plans?
The larger the pool, the less the increase.

Bullshit, no when you flood the pool with pre-existing conditions.

The PPACA is nothing but a scam to take from the responsible and give to the irresponsible.

I am much worse off now than before the plan.

Please read the actual post, the topic was the OLD plans.

 

[g5000]

Here is what we know:

1. The rate of increase in health care costs has exceeded the rate of inflation for decades.

2. When they had all the power, the Republicans chose to do nothing about this problem. In fact, they added another trillion dollar government medical entitlement program to the problem.

3. For many years, the Democrats telegraphed exactly what they would do if given the chance.

4. Still, the Republicans did nothing.

5. The Democrats got the power and attempted to do exactly what they said they would do. However, due to Republican obstructionism, we got this abortion known as ObamaCare.


Because the Republicans completely abdicated on this issue, their whining and gnashing of teeth over ObamaCare is nothing more than theater for the rubes. They sold the American people down the river on health care into the hands of the Democrats.

A pox on both their houses!

 

[Roadrunner]

Well,

I know we're all shocked. But BCBS of North Carolina released rates for 2015 for ACA plans in their State. The rates will rise 13.5% The Obama Administration is desperately trying to keep the rate increases hidden until after the mid-term elections. Official sign ups and new rates nationally will not be available until November 15th....a full week after the election.

Funny how that turned out....isn't?

Please read the full story here. It should be sobering for all of us....but particularly for the dupes who voted for the lying sack of shit the Obumbler.


Blue Cross reveals 2015 health insurance rates
North Carolina's Blue Cross: 2015 rates to rise 13 percent on average for individual ACA plans

By Jonathan Drew, Associated Press 2 hours ago

• RALEIGH, N.C. (AP) -- North Carolina's largest health insurer said on Wednesday that 2015 rates will rise by more than 13 percent on average for buyers of individual Affordable Care Act policies.
  
  Blue Cross and Blue Shield of North Carolina discussed the expected rate increases in a teleconference several weeks ahead of the Nov. 15 kickoff for the enrollment period for coverage starting in January.
  
  Blue Cross said rates would rise an average of 13.5 percent for 315,000 customers who enrolled this year in individual plans that comply with President Barack Obama's health insurance law. It cautioned that the actual increase for each person will be affected by factors including age, location and plan level.
  
  As an example, the insurer said a 45-year-old nonsmoking man in the Raleigh area who didn't receive subsidies would see his monthly premium rise by about $57 to $421.32 per month on a typical individual ACA silver plan. Most customers, however, receive the subsidies.
  
  "It is important for customers to understand their health care needs, update their information to get the subsidy amount they are eligible to receive and select an insurance plan with the level of coverage they want at a price that works for them and their family," said Patrick Getzen, vice president and chief actuary for Blue Cross and Blue Shield of North Carolina.
  
  Aside from the those policies, the insurer is maintaining pre-existing plans that don't conform to the Affordable Care Act's requirements but that customers wanted to keep. The Obama administration said in March that it was allowing a two-year extension for individual policies that don't meet the health law's requirements.
  
  The insurer said its rates for those pre-existing individual plans will rise by an average of 13.4 percent for policies sold before the federal law was signed by Obama in March 2010. Individual plans sold by the insurer between then and October 2013 — when the health overhaul exchanges opened — will have rate increases of 19.2 percent on average.
  
  Blue Cross said about 239,000 people were enrolled in those pre-existing individual plans in 2014.
  
  One factor affecting premiums is how costs are spread among the mixture of people of varying ages and health care needs. Blue Cross said in a news release that the group buying its individual ACA plans was older than expected because many younger, healthier customers stayed in pre-existing plans.
  
  "There needs to be a mix of customers within each category to balance risk and expected costs," Getzen said.
  
  Blue Cross and Blue Shield of North Carolina is the only insurer to offer ACA plans in all 100 of North Carolina's counties.

Key line from this:

Most customers, however, receive the subsidies.

So that means we're all paying for the massive cost increases? That's good news to you? WTF?

Make up your mind. Do you want people who need individual insurance policies to pay less, or not?

Not at the massive expense of the taxpayers. You do realize subsidize does not mean free. We are all paying for this shit.

But, but we already pay when welfare moms take their kids to the ER for colds.

In a Republic of Virtue, abuse of the ER would be a felony.

Now, that sure would drive down costs.

 

[g5000]

Everything that has been posted about Rates so far by ANYBODY is not telling the real story here.

They are telling us what "average" increase is over ALL of the plans and that is completely misleading.

The only numbers that matter are those that will show us not what the average increase is but what the increase is for the plans that have the most subscribers or policy holders.

Using the "average" paints a very nice picture of moderate increases......

If the average North Carolinian's insurance increase is 6 percent, and 315,000 North Carolinians' rates are going up by 13.5%, that means quite a few North Carolinians are going to see an increase (if any) that is much lower than 6%.

 

[Old Rocks]

U.S. Employers Expect Health Care Costs to Rise 4% in 2015
Companies plan to continue subsidizing and managing benefits while taking aggressive action to keep costs down
August 20, 2014
| UNITED STATES

ARLINGTON, VA, August 20, 2014 — U.S. employers expect a 4% increase in 2015 health care costs for active employees after plan design changes, according to global professional services company Towers Watson (NYSE, NASDAQ: TW). If no adjustments are made, employers project a 5.2% growth rate, putting absolute cost per person for health care benefits at an all-time high. Despite this cost trend, most (83%) employers consider health benefits an important element of their employee value proposition, and plan to continue subsidizing and managing them for both full-time and part-time active employees, according to the 2014 Towers Watson Health Care Changes Ahead Survey. They are, however, continuing to rethink company subsidies for spouses and dependents.

Of particular concern on the cost front is the Patient Protection and Affordable Care Act’s excise tax,* which goes into effect in 2018. Nearly three-quarters (73%) of employers said they are somewhat or very concerned they will trigger the tax based on their current plans and cost trajectory. More than four in 10 (43%) said avoiding the tax is the top priority for their health care strategies in 2015. As a result of the excise tax and other provisions of the health care reform law, CEOs and CFOs are more actively engaged in strategy discussions.

Both numbers look lower than what we have seen in recent years.

 

[Old Rocks]

If the average North Carolinian's insurance increase is 6 percent, and 315,000 North Carolinians' rates are going up by 13.5%, that means quite a few North Carolinians are going to see a much lower increase than 6%.

LOL. Now g5000, don't rain on their 'Blame Obama Parade'. They will start crying and wet all over themselves.

 

[g5000]

U.S. Employers Expect Health Care Costs to Rise 4% in 2015

Companies plan to continue subsidizing and managing benefits while taking aggressive action to keep costs down

But...but...but...90 million people are going to be thrown off their employer insurance in 2015. Remember all that bogus hysteria about grandfathered insurance plans?