How much will your premiums increase under Obamacare? See table for each state

[Little-Acorn]

I hate to be the one to break this to you but the Heritage Foundation has demonstrated itself to be entirely inept at economic modelling.

Heritige Report Bush Tax Cut Predictions => The Economic Impact of President Bush's Tax Relief Plan

"Under President Bush's plan, an average family of four's inflation-adjusted disposable income would increase by $4,544 in fiscal year (FY) 2011, and the national debt would effectively be paid off by FY 2010."

And, the reality is that the economy tanked in a recession of 2009 which forced massive stimulus spending.

So, that didn't work out very will, as predictions go.

We should stick with Kaiser.

Kiaser Report => Average Obamacare Premiums Will Be Lower Than Projected - Kaiser Health News

In other words, you can't refute anything in the article, so you change the subject and talk about George W. Bush instead.

 

[1776]

Uh...the man wasn't on Hannity, just a news piece in the flesh, asswipe. I'm sure you're going to claim he is lying despite them reporting his name and where he lives.....

Uh, FOXNews had a real man and his family of 4 from TN on this week where he said his insurance plan for his family went from $400 a month to over $1100 a month with a $24,000 deductible.

Yes, I said $24,000 deductible. Why the fuck even have insurance if you have to spend $24,000 before the insurance covers your expenses....

Something you REALLY need to read.

 

[LoneLaugher]

Yes. He was lying.

 

[Quantum Windbag]

It says right in their methodology this from the link in op:

This comparison is different from others in that, rather than comparing specific plans, it is designed to capture the difference in premium levels between the exchange and what could be acquired in the market.

So this IS NOT an apple to apple comparison, and the figures shown in the chart tell us nothing...

I truly wish someone out there would show us an apple to apple comparison, so we can see what it truly is....instead of this meaningless crud.....

I'd really like to know, how much it has gone up for an EQUAL policy, before and after exchange, if indeed it has gone up for 'an equal in' benefit coverage, deductible, and copay plan....

Those apples you keep talking about don't exist anymore.

Now let me explain why you really should stop asking for an apple to apple comparison. I can get a plan right now that has a $3,500 deductible with a $40 copay for 2 office visits and then pays 50% of my costs for $235 a month. Under Obamacare a comparable Silver plan has a $2000 deductible with a $45 copay for 3 office visits and then pays 50% of my costs for $584 a month. That increases my premium by $4188 a year and reduces my deductible by $1000. That is an increase of $3188 in my out of pocket expenses even if we ignore the extra $5 for the office visit.

Feel free to do the math yourself. Current plan options are here.

http://www.ehealthinsurance.com/

Obamacare plan options are here.

https://www.coveredca.com/

 

[Quantum Windbag]

The bureaucrats fumbling their way through Obamacare have come up with complicated formulas to decide how much each of us will pay for Obamacare, once the mandate forces us to comply. The formulas have not been released, having been kept secret for some reason.

But some people have sat down and gone through the Federal and State exchanges to find the rates required for a young person, an older person, and a family of four, for each state.

Most people in most states will see large increases. A few will see decreases.


www.heritage.org/research/reports/2013/10/enrollment-in-obamacare-exchanges-how-will-your-health-insurance-fare]Enrollment in Obamacare Exchanges: How Will Your Health Insurance Fare?

I hate to be the one to break this to you but the Heritage Foundation has demonstrated itself to be entirely inept at economic modelling.

Heritige Report Bush Tax Cut Predictions => The Economic Impact of President Bush's Tax Relief Plan

"Under President Bush's plan, an average family of four's inflation-adjusted disposable income would increase by $4,544 in fiscal year (FY) 2011, and the national debt would effectively be paid off by FY 2010."

And, the reality is that the economy tanked in a recession of 2009 which forced massive stimulus spending.

So, that didn't work out very will, as predictions go.

We should stick with Kaiser.

Kiaser Report => Average Obamacare Premiums Will Be Lower Than Projected - Kaiser Health News

The recession did not automatically trigger an increase in government spending.

 

[Vox]

In other words, you can't refute anything in the article, so you change the subject and talk about George W. Bush instead.

they can not refute anything, because they are LYING.

as usual. those are the leftard tactics - always LIE.

the whole obamacare is the one big lie.

it is not predictions anymore - anybody can go to their state insurance exchanges and check for themselves.

 

[Vox]

It says right in their methodology this from the link in op:

This comparison is different from others in that, rather than comparing specific plans, it is designed to capture the difference in premium levels between the exchange and what could be acquired in the market.

So this IS NOT an apple to apple comparison, and the figures shown in the chart tell us nothing...

I truly wish someone out there would show us an apple to apple comparison, so we can see what it truly is....instead of this meaningless crud.....

I'd really like to know, how much it has gone up for an EQUAL policy, before and after exchange, if indeed it has gone up for 'an equal in' benefit coverage, deductible, and copay plan....

Those apples you keep talking about don't exist anymore.

Now let me explain why you really should stop asking for an apple to apple comparison. I can get a plan right now that has a $3,500 deductible with a $40 copay for 2 office visits and then pays 50% of my costs for $235 a month. Under Obamacare a comparable Silver plan has a $2000 deductible with a $45 copay for 3 office visits and then pays 50% of my costs for $584 a month. That increases my premium by $4188 a year and reduces my deductible by $1000. That is an increase of $3188 in my out of pocket expenses even if we ignore the extra $5 for the office visit.

Feel free to do the math yourself. Current plan options are here.

http://www.ehealthinsurance.com/

Obamacare plan options are here.

https://www.coveredca.com/

except the latter site is for those who are eligible for subsidies ONLY!!!!
I checked.

 

[Vox]

Uh...the man wasn't on Hannity, just a news piece in the flesh, asswipe. I'm sure you're going to claim he is lying despite them reporting his name and where he lives.....

Uh, FOXNews had a real man and his family of 4 from TN on this week where he said his insurance plan for his family went from $400 a month to over $1100 a month with a $24,000 deductible.

Yes, I said $24,000 deductible. Why the fuck even have insurance if you have to spend $24,000 before the insurance covers your expenses....

Something you REALLY need to read.

he was NOT lying.

He was telling EXACTLY as it is.

Anybody can check - it is available

 

[Flopper]

It says right in their methodology this from the link in op:

This comparison is different from others in that, rather than comparing specific plans, it is designed to capture the difference in premium levels between the exchange and what could be acquired in the market.

So this IS NOT an apple to apple comparison, and the figures shown in the chart tell us nothing...

I truly wish someone out there would show us an apple to apple comparison, so we can see what it truly is....instead of this meaningless crud.....

I'd really like to know, how much it has gone up for an EQUAL policy, before and after exchange, if indeed it has gone up for 'an equal in' benefit coverage, deductible, and copay plan....

You're correct this isn't a fair comparison because the plans under the ACA have additional benefits such as additional preventive care, wellness exams, immunizations for adults will include flu shots, HPV, pneumonia, tetanus, chicken pox, measles, meningitis, hepatitis A/B and a number of free screens. In general, the yearly out of pocket maximums have been reduced. Lastly, the study did not take into account the federal subsidies. Since this study is coming out of the Heritage Foundation, you can be pretty sure of the conclusion before you read the study.

So if you're buying individual insurance and you make too much money to benefit from subsidies and you and have no interest in the benefits, then in general the plans are more expensive.

 

[Quantum Windbag]

It says right in their methodology this from the link in op:

So this IS NOT an apple to apple comparison, and the figures shown in the chart tell us nothing...

I truly wish someone out there would show us an apple to apple comparison, so we can see what it truly is....instead of this meaningless crud.....

I'd really like to know, how much it has gone up for an EQUAL policy, before and after exchange, if indeed it has gone up for 'an equal in' benefit coverage, deductible, and copay plan....

Those apples you keep talking about don't exist anymore.

Now let me explain why you really should stop asking for an apple to apple comparison. I can get a plan right now that has a $3,500 deductible with a $40 copay for 2 office visits and then pays 50% of my costs for $235 a month. Under Obamacare a comparable Silver plan has a $2000 deductible with a $45 copay for 3 office visits and then pays 50% of my costs for $584 a month. That increases my premium by $4188 a year and reduces my deductible by $1000. That is an increase of $3188 in my out of pocket expenses even if we ignore the extra $5 for the office visit.

Feel free to do the math yourself. Current plan options are here.

http://www.ehealthinsurance.com/

Obamacare plan options are here.

https://www.coveredca.com/

except the latter site is for those who are eligible for subsidies ONLY!!!!
I checked.

No it isn't, there is a Shop and Compare tool so that you don't even have to register to see how much insurance is going to cost. The site doesn't have the subsidy information available unless you register, and won't have them until next month even if you do.

 

[Quantum Windbag]

It says right in their methodology this from the link in op:

This comparison is different from others in that, rather than comparing specific plans, it is designed to capture the difference in premium levels between the exchange and what could be acquired in the market.

So this IS NOT an apple to apple comparison, and the figures shown in the chart tell us nothing...

I truly wish someone out there would show us an apple to apple comparison, so we can see what it truly is....instead of this meaningless crud.....

I'd really like to know, how much it has gone up for an EQUAL policy, before and after exchange, if indeed it has gone up for 'an equal in' benefit coverage, deductible, and copay plan....

You're correct this isn't a fair comparison because the plans under the ACA have additional benefits such additional preventive care, wellness exams, immunizations for adults will include flu shots, HPV, pneumonia, tetanus, chicken pox, measles, meningitis, hepatitis A/B and a number of free screens. In general, the yearly out of pocket cost for healthcare have been reduced. Lastly, the study did not take into account the federal subsidies. Since this study is coming out of the Heritage Foundation, you can be pretty sure of the conclusion before you read the study.

So if you're buying individual insurance and you make too much money to benefit from subsidies and you and have no interest in the benefits, then in general the plans are more expensive.

People keep telling me that, but no one that has can prove it if they sit down with me and do the numbers. Even the reporters aren't buying that line anymore, which is why they go back to the default quote that you get better benefits for the extra money.

Funny thing, not a single person has managed to convince me that maternity coverage is a benefit I need.

 

[Amelia]

It says right in their methodology this from the link in op:

So this IS NOT an apple to apple comparison, and the figures shown in the chart tell us nothing...

I truly wish someone out there would show us an apple to apple comparison, so we can see what it truly is....instead of this meaningless crud.....

I'd really like to know, how much it has gone up for an EQUAL policy, before and after exchange, if indeed it has gone up for 'an equal in' benefit coverage, deductible, and copay plan....

You're correct this isn't a fair comparison because the plans under the ACA have additional benefits such additional preventive care, wellness exams, immunizations for adults will include flu shots, HPV, pneumonia, tetanus, chicken pox, measles, meningitis, hepatitis A/B and a number of free screens. In general, the yearly out of pocket cost for healthcare have been reduced. Lastly, the study did not take into account the federal subsidies. Since this study is coming out of the Heritage Foundation, you can be pretty sure of the conclusion before you read the study.

So if you're buying individual insurance and you make too much money to benefit from subsidies and you and have no interest in the benefits, then in general the plans are more expensive.

People keep telling me that, but no one that has can prove it if they sit down with me and do the numbers. Even the reporters aren't buying that line anymore, which is why they go back to the default quote that you get better benefits for the extra money.

Funny thing, not a single person has managed to convince me that maternity coverage is a benefit I need.

It's all part of the layers of lies.

Obama didn't say, "we're going to raise your rates but give you plenty of extra to make it worthwhile". He said, "your premiums will be going down by $2500 a year".

But hey, we shouldn't care whether he was honest or not just as long as we don't have to write an extra check to the clerk if we get a hepatitis test.

 

[Flopper]

Uh...the man wasn't on Hannity, just a news piece in the flesh, asswipe. I'm sure you're going to claim he is lying despite them reporting his name and where he lives.....

Something you REALLY need to read.

he was NOT lying.

He was telling EXACTLY as it is.

Anybody can check - it is available

How do you check with registering?

 

[Vox]

all right, I don't know which plan the guy was discussing about but this is what I found of ONE of the plans which might be fitting ME with the amount of family members as in question and the results of deductibles are even MORE outrageous:
https://www.ehealthinsurance.com/ehi/ifp/plan-details?planKey=3702:200030&productLine=IFP

$299.58 per month

Customer Reviews: 4.5
|
Email Quote

Plan Details
Additional Coverage
Customer Reviews
Videos

Plan Type PPO
Office Visit for Primary Doctor
Find Doctors 20% Coinsurance after deductible
Office Visit for Specialist 20% Coinsurance after deductible
Coinsurance 20% Coinsurance after deductible
Annual Deductible Family: $22,500
(Any family member who meets his/her $7,500 individual deductible can start receiving benefits available after deductible. $22,500 family deductible can be met by one or more family members combined.)
Separate Prescription Drugs Deductible None
Prescription Drugs Generic: 50% Coinsurance
Brand: 50% Coinsurance
Non-Formulary: 50% Coinsurance
Annual Out-of-Pocket Limit Family: $28,500
Includes deductible
Lifetime Maximum Unlimited
Health Savings Account (HSA) Eligible No
Out-of-Network Coverage Yes (Details in plan brochure below)
Out-of-Country Coverage Yes. Paid as in-network benefits if through a WorldWide BlueCard Provider (View Details)
Physicians
Primary Care Physician (PCP) Required No
Specialist Referrals Required No
Preventive Care Coverage
Periodic Health Exam No Charge
Periodic OB-GYN Exam No Charge
Well Baby Care No Charge
Prescription Drug Coverage
Generic Prescription Drugs 50% Coinsurance
Brand Prescription Drugs 50% Coinsurance
Non-Formulary Prescription Drugs Coverage 50% Coinsurance
Mail Order for Prescription Drugs Not Available
Separate Prescription Drugs Deductible None
Hospital Services Coverage
Emergency Room $100 Copay then 20% Coinsurance after deductible (Copay waived if admitted)
Outpatient Lab/X-Ray Routine Diagnostic: 20% Coinsurance after deductible
Outpatient Surgery 20% Coinsurance after deductible
Hospitalization 20% Coinsurance after deductible
Maternity Coverage
Pre & Postnatal Office Visit Optional Rider
Labor & Delivery Hospital Stay Optional Rider
Additional Coverage
Chiropractic Coverage 20% Coinsurance after deductible. Limited 20 Visits Per Calendar Year
Mental Health Coverage 50% Coinsurance after deductible
Substance Abuse Coverage 50% Coinsurance after deductible for outpatient/60% Coinsurance after deductible for Inpatient Services Limited to 20 days per Calendar Year
Out-of-Network Coverage
Out-of-Network Authorization Required Yes
Out-of-Network Deductible $15000/$45000
Out-of-Network Coinsurance 60%
Out-of-Network Out-of-Pocket Limit $24000/$63000

 

[Mustang]

Perhaps you can explain something for me. Why would the premiums be going up for people who already have insurance when they'll have nothing to do with Obamacare. I ask because those people already have employer-based insurance or purchase their own policies. In other words, the only people who will be ON Obamacare don't currently have insurance.

 

[Vox]

Those apples you keep talking about don't exist anymore.

Now let me explain why you really should stop asking for an apple to apple comparison. I can get a plan right now that has a $3,500 deductible with a $40 copay for 2 office visits and then pays 50% of my costs for $235 a month. Under Obamacare a comparable Silver plan has a $2000 deductible with a $45 copay for 3 office visits and then pays 50% of my costs for $584 a month. That increases my premium by $4188 a year and reduces my deductible by $1000. That is an increase of $3188 in my out of pocket expenses even if we ignore the extra $5 for the office visit.

Feel free to do the math yourself. Current plan options are here.

http://www.ehealthinsurance.com/

Obamacare plan options are here.

https://www.coveredca.com/

except the latter site is for those who are eligible for subsidies ONLY!!!!
I checked.

No it isn't, there is a Shop and Compare tool so that you don't even have to register to see how much insurance is going to cost. The site doesn't have the subsidy information available unless you register, and won't have them until next month even if you do.

YES IT IS.

I did it. I put figures of income which resemble mine and it send me somewhere else. Bit that was 2 weeks ago, so I won't bet and it might have been updated

 

[alan1]

It says right in their methodology this from the link in op:

This comparison is different from others in that, rather than comparing specific plans, it is designed to capture the difference in premium levels between the exchange and what could be acquired in the market.

So this IS NOT an apple to apple comparison, and the figures shown in the chart tell us nothing...

I truly wish someone out there would show us an apple to apple comparison, so we can see what it truly is....instead of this meaningless crud.....

I'd really like to know, how much it has gone up for an EQUAL policy, before and after exchange, if indeed it has gone up for 'an equal in' benefit coverage, deductible, and copay plan....

You may have answered your own question when it comes to comparing apples to apples.

many and most without insurance and/or those buying full coverage individual plans on their own, can and will benefit from the Exchange, via subsidies or via a lower costing plan with equal ded, out of poc, and coverage as their existing plan....

here is who will not be helped that I can gather:

-Adults without children earning less than the poverty level, whose State does not offer the expanded medicaid coverage the ACA offered to each State.

-People who don't want insurance, never wanted insurance will be hurt slightly with the tax penalty if they are middle class and above, (lower income will get exceptions for the penalty.) providing both continue to not have insurance

-People who are middle income and above, who have bought insurance plans each year, that have minimal coverage for the basic things, or very high deductibles, but cover them with catastrophic/hospitalization, because those plans are not meeting minimum coverage...many are being dropped....though I do know a few people who have chosen the catastrophic plans still and chose to pay the penalty as well, with still savings from not having to buy a full coverage plan.

help me, if I left anyone out?

Regardless of subsidies, plans are still cheaper in group plans at employers for the middle income every day Joe....

I don't understand why our gvt, once more people sign up for insurance policies from the companies on the exchange, should not be able to negotiate a "group policy" plan from these Insurance guys....just like any group of company can.....???

Many people see insurance as a protection against a catastrophic event and would prefer to purchase only insurance for a catastrophic event. Unfortunately, no such medical insurance like that now exists under the new laws. Automobile insurance was never meant to replace an accidental flat tire and medical insurance shouldn't be used for an annual physical.

Personally, I would prefer a low cost medical insurance plan where I paid for the common things like an annual physical, the occasional stitches from a cut or occasional tetanus vaccine and insurance only kicked in if I had something really expensive happen. At which point, I'd want my insurance to cover 100% of costs above the threshold I had determined with my premiums. Note, my maximum threshold may be higher than yours, thus my insurance would be cheaper than yours if all other things were equal.

 

[Care4all]

The bureaucrats fumbling their way through Obamacare have come up with complicated formulas to decide how much each of us will pay for Obamacare, once the mandate forces us to comply. The formulas have not been released, having been kept secret for some reason.

But some people have sat down and gone through the Federal and State exchanges to find the rates required for a young person, an older person, and a family of four, for each state.

Most people in most states will see large increases. A few will see decreases.


www.heritage.org/research/reports/2013/10/enrollment-in-obamacare-exchanges-how-will-your-health-insurance-fare]Enrollment in Obamacare Exchanges: How Will Your Health Insurance Fare?

I hate to be the one to break this to you but the Heritage Foundation has demonstrated itself to be entirely inept at economic modelling.

Heritige Report Bush Tax Cut Predictions => The Economic Impact of President Bush's Tax Relief Plan

"Under President Bush's plan, an average family of four's inflation-adjusted disposable income would increase by $4,544 in fiscal year (FY) 2011, and the national debt would effectively be paid off by FY 2010."

And, the reality is that the economy tanked in a recession of 2009 which forced massive stimulus spending.

So, that didn't work out very will, as predictions go.

We should stick with Kaiser.

Kiaser Report => Average Obamacare Premiums Will Be Lower Than Projected - Kaiser Health News

The recession did not automatically trigger an increase in government spending.

You mean the 700 billion dollar bank bail out spending wasn't triggered by the crash/recession? Or the Auto bail out, or the goldman sachs bailout etc etc etc etc.? Or all of the bank and mortgage co. failures that the fed had to guarantee (FDIC) and pay? and the increase in Unemployment compensation, over and above what employers had contributed to the kitty? The list can go on forever quantum, for the spending rises due to the crash/great recession....imo.

 

[Vox]

Perhaps you can explain something for me. Why would the premiums be going up for people who already have insurance when they'll have nothing to do with Obamacare. I ask because those people already have employer-based insurance or purchase their own policies. In other words, the only people who will be ON Obamacare don't currently have insurance.

that's a LIE.

starting 2018 there won't be any employer-base insurance - because of the excise tax - that 's first, and second - having employer-based insurance this year does not mean you will have it next year - as employer might drop the benefit entirely

 

[Vox]

Uh...the man wasn't on Hannity, just a news piece in the flesh, asswipe. I'm sure you're going to claim he is lying despite them reporting his name and where he lives.....

he was NOT lying.

He was telling EXACTLY as it is.

Anybody can check - it is available

How do you check with registering?

by clicking on the keyboard

you leftards are incredibly stupid.
the guy in question is not eligible for subsidies - on a state site you can check whatever you want.
I have checked myself in California and in NY and in my own state. My own is the worst and close to what the TN guy is telling, California is the best, but still at least three times more that what I pay now.