Florida woman's insurance rate increases from $54 to $591 under Obamacare

[NYcarbineer]

I'd like to see the policy she was getting, at 56 years old, for 54 bucks a month.

That sounds like something Alex Trebeck would be selling on tv.

 

[Antares]

Sent her a bill? Obamacare doesn't send you a bill.

She was waving the renewal packet around that was sent her by her insurance company, it reminded her of what she had and what they were recommending her to move to.

It occurred to me the other day that this is another scam the insurance companies are pulling. They're ending the old policies, which means people have to transition to something in the post-Obamacare market,

but what the companies are trying to do is suck people directly into one of their own products instead of the customer going shopping. It's a classic scam.

I'll bet the woman in the OP has never been near the exchange.

but what the companies are trying to do is suck people directly into one of their own products instead of the customer going shopping. It's a classic scam.

LOL, no....it assumes that the insured wishes to stay with their current compay...and in this case, Blue Cross Blue Shield that is quite true, MOST want to stay with them.

I'll bet the woman in the OP has never been near the exchange

Probably not, they aren't working.

 

[kiwiman127]

Obamacare is a Golden Goose laying Golden Eggs for the healthcare insurance industry. That's about the same thing with Medicare Part D,,,a Golden Egg for the pharmaceutical companies.
Funny I sure don't remember any whining by a certain ideology then.

 

[auditor0007]

As a critical thinker, I can't help but notice how short and uninformative that article is. That is some of the worst journalism I have ever seen. That's what you get when you read blogs.

1) The article makes no mention of how the new policy compares to the old policy. It is an apples and oranges comparison. Her new policy has much more coverage.

Yes, it is absolutely wrong the woman is not being allowed to keep an insurance policy the government has decided is substandard for her needs. The government should not be deciding what is best for me.

2) She is not being forced to buy the $591 policy. It is what her old insurance company is offering as a replacement. She is free to buy another policy from another company on the exchange.

3) The article makes no mention if the woman qualifies for a federal subsidy which will pay for most, if not all, of her new policy. The video DOES say she is eligible for subsidies. So she may end up actually paying LESS for her insurance. And she will have a better policy than her old one.

4) The article says, "at least 300,000 people are losing coverage". I can guarantee you this is a lie of omission and thus blows the integrity of the report right out of the water. This woman is an example. She lost her OLD coverage, but now has NEW coverage being offered to her. This is the case with most, if not all, of those 300,000 the hack writer says are losing their coverage.

The people who are receiving cancellation notices are people who have policies that are not comprehensive enough under the ACA regulations.

Just as I did not believe the Democratic claim there were "46 million uninsured Americans", I do not believe the Republican claim flying about that "16 million Americans" are losing their health insurance.

Yes, Obama's claim you could keep your insurance was a massive lie. Absolutely. But the Right is not being entirely truthful, either.

The comparison is an absolute joke. They are almost certainly comparing a catastrophic plan with an extremely high deductible to a gold plan with a very low deductible that covers everything under the sun with very few out of pocket expenses. What I find so humorous is that they expect intelligent people to believe this nonsense.

I have always purchased my own insurance. The plan I am looking at now will cost me almost exactly the same as my old plan, but the deductible is double, going from $2500 to $5000 per person. On the good side of it, all preventative care is paid for including well care doctor visits, colonoscopies, and many other preventative care tests. In the end, without any subsidy, I will be paying pretty much the same thing I was paying with my old plans.

Now, I will say that I have seen some situations where those who are over 60 are getting hit pretty hard. It seems many of those policies are jumping in price considerably. There is also, what I consider to be, a flaw in the way the subsidies work, at least for those over 60. If you have a husband and wife over the age of 60 but not yet on Medicare, if they earn $62,000 per year or less, they will receive a subsidy that pays for over half of their insurance. The rates for silver plans for a couple over the age of 60 is going to cost approximately $14,000, give or take. If that same couple earns over $62,200, then they get zero subsidy and must pay the full amount for their insurance. So by earning an extra $200 per year, they must spend an extra $8000 on health insurance. That to me is a big problem, and I imagine that the same thing happens at all age levels when it gets to the cutoff.

 

[Desperado]

Now, I will say that I have seen some situations where those who are over 60 are getting hit pretty hard. It seems many of those policies are jumping in price considerably. There is also, what I consider to be, a flaw in the way the subsidies work, at least for those over 60. If you have a husband and wife over the age of 60 but not yet on Medicare, if they earn $62,000 per year or less, they will receive a subsidy that pays for over half of their insurance. The rates for silver plans for a couple over the age of 60 is going to cost approximately $14,000, give or take. If that same couple earns over $62,200, then they get zero subsidy and must pay the full amount for their insurance. So by earning an extra $200 per year, they must spend an extra $8000 on health insurance. That to me is a big problem, and I imagine that the same thing happens at all age levels when it gets to the cutoff.

You are correct this is a major concern for all age groups.....
If you go over the limit even by just $1.00, you loose your entire subsidy.
Going to have a lot of people reconsidering working that overtime or god forbid you win a few bucks at your neighborhood casino or buying a lottery ticket.

 

[NYcarbineer]

This woman needs to read this, for starters:

Obamacare to offer health insurance for under $100 a month - West Palm Beach liberal | Examiner.com

 

[Antares]

This woman needs to read this, for starters:

Obamacare to offer health insurance for under $100 a month - West Palm Beach liberal | Examiner.com

Tsk, tsk , tsk....

But a new report by the U.S. Department of Health and Human Services indicates that 53 percent of the 3.2 million uninsured individuals and families who are eligible for subsidies should qualify for enough help to keep their premiums at or below $100 a month.

 

[Trajan]

This woman needs to read this, for starters:

Obamacare to offer health insurance for under $100 a month - West Palm Beach liberal | Examiner.com

Tsk, tsk , tsk....

But a new report by the U.S. Department of Health and Human Services indicates that 53 percent of the 3.2 million uninsured individuals and families who are eligible for subsidies should qualify for enough help to keep their premiums at or below $100 a month.

and the woman in that article ( and others) is paying for the privilege of that person or persons getting it under a hundred....so how does that change her situation?

 

[Antares]

This woman needs to read this, for starters:

Obamacare to offer health insurance for under $100 a month - West Palm Beach liberal | Examiner.com

Tsk, tsk , tsk....

But a new report by the U.S. Department of Health and Human Services indicates that 53 percent of the 3.2 million uninsured individuals and families who are eligible for subsidies should qualify for enough help to keep their premiums at or below $100 a month.

and the woman in that article ( and others) is paying for the privilege of that person or persons getting it under a hundred....so how does that change her situation?

It doesn't, methinks Carb didn't read it's own article.

 

[NYcarbineer]

This woman needs to read this, for starters:

Obamacare to offer health insurance for under $100 a month - West Palm Beach liberal | Examiner.com

Tsk, tsk , tsk....

But a new report by the U.S. Department of Health and Human Services indicates that 53 percent of the 3.2 million uninsured individuals and families who are eligible for subsidies should qualify for enough help to keep their premiums at or below $100 a month.

and the woman in that article ( and others) is paying for the privilege of that person or persons getting it under a hundred....so how does that change her situation?

Do you know that woman got her quote off the exchange? Do you know what the best deal is that woman can get?

Tell us what that price is and tell us how you determined it.

 

[Antares]

Tsk, tsk , tsk....

But a new report by the U.S. Department of Health and Human Services indicates that 53 percent of the 3.2 million uninsured individuals and families who are eligible for subsidies should qualify for enough help to keep their premiums at or below $100 a month.

and the woman in that article ( and others) is paying for the privilege of that person or persons getting it under a hundred....so how does that change her situation?

Do you know that woman got her quote off the exchange? Do you know what the best deal is that woman can get?

Tell us what that price is and tell us how you determined it.

Do you know that woman got her quote off the exchange?

She didn't, we already discussed that she took it off of that sheet of paper she is waving around, that paper included all of the plans she had access to through her current company, I guarantee you she wasn't even talking about the plan being recommended to her.

Do you know what the best deal is that woman can get?

No, nobody here does, we don't know her demographics.

 

[Trajan]

Tsk, tsk , tsk....

But a new report by the U.S. Department of Health and Human Services indicates that 53 percent of the 3.2 million uninsured individuals and families who are eligible for subsidies should qualify for enough help to keep their premiums at or below $100 a month.

and the woman in that article ( and others) is paying for the privilege of that person or persons getting it under a hundred....so how does that change her situation?

Do you know that woman got her quote off the exchange? Do you know what the best deal is that woman can get?

Tell us what that price is and tell us how you determined it.

she told us what she had , what she was happy with and what she now has to pay*shrugs*.....if you have any further information please share.

 

[Trajan]

the woman is on Greta right now, go look for yourself.

 

[Trajan]

she says she has gotten some info. for less than the original $591, but not what she had, she didn't quote a $$ figure...*shrugs*

 

[Quantum Windbag]

Sent her a bill? Obamacare doesn't send you a bill.

http://douthat.blogs.nytimes.com/20...-why-they-matter/?partner=rssnyt&emc=rss&_r=0

 

[Antares]

she says she has gotten some info. for less than the original $591, but not what she had, she didn't quote a $$ figure...*shrugs*

There was some sensationalism being employed here...unneeded, but still used.

The truth is somewhere in the middle.

Today I wrote a plan where after the susidy the insured was responsible for $2.39 of the monthly premium.

 

[NYcarbineer]

and the woman in that article ( and others) is paying for the privilege of that person or persons getting it under a hundred....so how does that change her situation?

Do you know that woman got her quote off the exchange? Do you know what the best deal is that woman can get?

Tell us what that price is and tell us how you determined it.

she told us what she had , what she was happy with and what she now has to pay*shrugs*.....if you have any further information please share.

She had a 54 dollar a month policy which is for all practical purposes no insurance at all.

Show us the BCBS plan at that price.

 

[Quantum Windbag]

As a critical thinker, I can't help but notice how short and uninformative that article is. That is some of the worst journalism I have ever seen. That's what you get when you read blogs.

As a critical thinker you lack the ability to think.

1) The article makes no mention of how the new policy compares to the old policy. It is an apples and oranges comparison. Her new policy has much more coverage.

With a premium increase of of almost $6000 a year I would expect the fucking hospital to show up at her front door. Unless you want to point out which plan on the new exchanges provides that kind of benefit increase over pre-Obamacare insurance, I suggest you drop the apples to oranges bullshit.

Yes, it is absolutely wrong the woman is not being allowed to keep an insurance policy the government has decided is substandard for her needs. The government should not be deciding what is best for me.

Yet you just argued in favor of it because the fucking plan is better, what a fucking dipshit.

2) She is not being forced to buy the $591 policy. It is what her old insurance company is offering as a replacement. She is free to buy another policy from another company on the exchange.

What is the least expensive policy in Florida for someone her age?

You don't know? Then how the fuck do you know the one she is talking about isn't the least expensive? Is that another example of your non-critical thinking?

3) The article makes no mention if the woman qualifies for a federal subsidy which will pay for most, if not all, of her new policy. The video DOES say she is eligible for subsidies. So she may end up actually paying LESS for her insurance. And she will have a better policy than her old one.

That makes me feel so much better that you will be paying $500+ every month for her insurance, does that make you feel good?

4) The article says, "at least 300,000 people are losing coverage". I can guarantee you this is a lie of omission and thus blows the integrity of the report right out of the water. This woman is an example. She lost her OLD coverage, but now has NEW coverage being offered to her. This is the case with most, if not all, of those 300,000 the hack writer says are losing their coverage.

Whioch is why you have solid numbers to prove it wrong.

Except, for some dipshit reason, you actually don't.

The people who are receiving cancellation notices are people who have policies that are not comprehensive enough under the ACA regulations.

But they are not actually losing their insurance policy because they get to not keep them.

Just as I did not believe the Democratic claim there were "46 million uninsured Americans", I do not believe the Republican claim flying about that "16 million Americans" are losing their health insurance.

If I recall, you were among the people able to provide fucking numbers for that one, yet you still don't have any for arguing against this one. Is the dipshit reason you can't argue with these numbers is that they are right?

Or is the real dipshit reason that you are a dipshit?

Yes, Obama's claim you could keep your insurance was a massive lie. Absolutely. But the Right is not being entirely truthful, either.

You cannot document one thing that I am saying about the number of people losing their insurance being wrong, even when I provide specific links that show where the numbers are coming from. That is not critical thinking, despite your dipshit belief that you are a critical thinker. Critical thinking is making a decision based on the examination of the evidence, not staking out a position that the other side is lying and refusing to accept the facts.

 

[Antares]

Do you know that woman got her quote off the exchange? Do you know what the best deal is that woman can get?

Tell us what that price is and tell us how you determined it.

she told us what she had , what she was happy with and what she now has to pay*shrugs*.....if you have any further information please share.

She had a 54 dollar a month policy which is for all practical purposes no insurance at all.

Show us the BCBS plan at that price.

Since I work for BCBS I think I can safely say she was/is on a Temp plan...you remember those....you tried to show me that not ALL individual plans were going away by showing me someone you knew was one and not losing it.

Oh yes....SOME individual plans have one more year...then thsy go away too.

 

[Quantum Windbag]

Little-Nut writes, "Florida woman's insurance rate increases from $54 to $591 under Obamacare" but does not tell you what is the subsidy.

Could that be because, unless you fucking buy your insurance through the fucking exchange, which is fucking broken right now, you don't get a fucking subsidy? And, since this bill came from the insurance company directly, and probably keeps her with the doctors she wants, it is not eligible for the fucking subsidy?

Or would facts get into your mindless defense of the government?