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I used to work at a place that had a janitor who couldn't read and write, but he used to leave notes for the boss where he communicated by drawing pictures.
lol, at least he could draw his own pictures.
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.
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.
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%.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......
(sigh) You are assuming that ALL the plans have roughly the same number of people in them, they do not.
So if you figure the average using plans with just a few members with those that have MANY you LOWER the average.
The larger increases involve the most inhabited plans.
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.
What part of this can't you grasp?
" 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." Line one of the article.
Well,
I know we're all shocked.
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.
Subsidies are paid for with tax dollars, out of one packet into the other one. I know it goes right over your head.
I used to work at a place that had a janitor who couldn't read and write, but he used to leave notes for the boss where he communicated by drawing pictures.
lol, at least he could draw his own pictures.
Operative words here are "I used to work" Now we know WHY you love obamacare, SLACKER!
Don't forget the deductibles as well as the limited dollar coverage ( 60%) for the bronze plan. The Bronze Plan is also the most popular.Well,
I know we're all shocked.
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.
Don't forget the deductibles as well as the limited dollar coverage ( 60%) for the bronze plan. The Bronze Plan is also the most popular.Well,
I know we're all shocked.
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.
Don't forget the deductibles as well as the limited dollar coverage ( 60%) for the bronze plan. The Bronze Plan is also the most popular.Well,
I know we're all shocked.
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.
What is the maximum out pocket on the Bronze?
ACA reduces the price to the consumer in the monthly premium.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.
Which means the taxpayers( producers) are not only paying for their insurance, but are also paying for YOUR insurance.Well,
I know we're all shocked.
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.
ACA reduces the price to the consumer in the monthly premium.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.
The purchased plan, the Bronze, is less expensive than other plans, but that plan covers just 60% of medical expenses.
To get the kind of coverage offered in the private market( 80%) or more, one would have to buy the Platinum ACA plan which on average costs far more from ACA than a similar policy would cost from the private market.
Only those who insure themselves as an individual which is less than 5% of all those who are employed, would save on monthly premiums with ACA.
The ACA system is set up for failure.
THe enrollment period for our health insurance has opened. There is a modest 3% increase from 2014. About $12 per month.The insurance companies have medical loss ratio limits imposed on them by the ACA, so the cost increases can only reflect real costs.
How much are premiums going up outside the ACA?
Which means the taxpayers( producers) are not only paying for their insurance, but are also paying for YOUR insurance.Well,
I know we're all shocked.
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.
Tell me there is justice in that.
The threshold ( 400% of poverty) is too high. A family of 4 with household income as much as $90k per year qualifies for a subsidy. That's absurd.
Note, the subsidies are for the lowest plan Bronze.
Only families that are once a year well care visitors to their government chosen doctor should be on the bronze plan.
THe enrollment period for our health insurance has opened. There is a modest 3% increase from 2014. About $12 per month.The insurance companies have medical loss ratio limits imposed on them by the ACA, so the cost increases can only reflect real costs.
How much are premiums going up outside the ACA?
The point I was making is that most people, especially those in the Obama care camp cannot make the distinction between "cost" and "price"ACA reduces the price to the consumer in the monthly premium.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.
The purchased plan, the Bronze, is less expensive than other plans, but that plan covers just 60% of medical expenses.
To get the kind of coverage offered in the private market( 80%) or more, one would have to buy the Platinum ACA plan which on average costs far more from ACA than a similar policy would cost from the private market.
Only those who insure themselves as an individual which is less than 5% of all those who are employed, would save on monthly premiums with ACA.
The ACA system is set up for failure.
"ACA reduces the price to the consumer in the monthly premium."
Only through the subsidies,plans are the price on or off .gov, the ONLY reason to go on .gov is to use the subsidy.
"Platinum ACA plan which on average costs far more from ACA than a similar policy would cost from the private market."
Plans are the same on or off.
"The ACA system is set up for failure"
It is designed to fail it is designed to push us in into single payer.
