How much is YOUR Ins. going up in January?

[Blessed_wth_Triplets]

Crap why have I not heard about this!? DH hasn't said anything? He works for the automotive industry and we have BCBS. I'm afraid now.

 

[smcabee]

No change in premiums but deductible is going up between $250-500 havent heard all the details yet. Should get final numbers in 2 weeks.

 

[wdwmom0f3]

Ours looks like it will stay about the same. $1,500 or so a month with $5,000 deduct single/$10,000 family, $10,000 co-insurance, $25,000 OOP max for 2 adults. The exchange is the same price. But the plan doesn't meet the ACA requirements so we'll just drop insurance and pay the fine.
Take that times 10 because we have always paid 100% for our employees. It will close our business. Thank heavens we have planned for retirement, just not this soon. Hate to close a business after 65 years but we have no choice. Our employees deserve better though!

I can't tell you how sorry I am that this is happening.

 

[Julia M]

A friend of mine owns a family business. Her insurance is going up $500 per month. We find out in 4 days what will happen to my family.

 

[Lintasare]

My HMO plan is going from $40 to $46 a month with the rest paid by my employer. This is through BCBS.

Though I work for a BCBS plan so we have very good insurance. The company is trying to push us towards high deductible plans with HSAs attached. No thank you. I don't want to have to worry about deductible and coinsurance when I go to the doctor. I would rather pay a bit more per month and have a flat copay.

 

[texaslady22]

I hate to ask this...but what happens after those first 10 weeks? Will your OOP expenses for therapy go towards your deductible and is there co-insurance after that (as in: you pay 20% and insurance provider pays 80% of the cost of the therapy)?

We're responsible for everything and it doesn't get counted as our out of pocket maximum or anything. We get no "credit" for it.

Parents of special needs kids are the ones who are going to suffer here. We don't have a limit on therapy sessions this year; I just think this is a terrible policy.

 

[bas71873]

Ours looks like it will stay about the same. $1,500 or so a month with $5,000 deduct single/$10,000 family, $10,000 co-insurance, $25,000 OOP max for 2 adults. The exchange is the same price. But the plan doesn't meet the ACA requirements so we'll just drop insurance and pay the fine.
Take that times 10 because we have always paid 100% for our employees. It will close our business. Thank heavens we have planned for retirement, just not this soon. Hate to close a business after 65 years but we have no choice. Our employees deserve better though!

Will someone explain to me how this is helping everyone? I thought the premise of the ACA was to make insurance accessible and affordable to all? Call me dumb (although I think I'm a relatively intelligent person), but how is this fair? I guess this is a rhetorical question, so no one really need to reply, I'm just venting!

 

[vacationer1954]

My husband told me about someone who is now able to afford heath coverage for the first time since getting breast cancer 7 years ago. It is mostly about making sure people like that and poor people can afford it.

 

[bas71873]

My husband told me about someone who is now able to afford heath coverage for the first time since getting breast cancer 7 years ago. It is mostly about making sure people like that and poor people can afford it.

And that's great. I understand that part of it, but in the meantime, a lot of us get the shaft? What happened to the promise of being able to keep what you have if you are happy with it? We've worked hard for years to get where we are financially (as have a lot of people) and now WE are put as risk of not being able to afford our premiums or having to accept less coverage and high deductibles? I just fail to see how this is a good thing for the majority of people. I think I need to go back to bed

 

[nunzia]

Reporting in for a friend. Her husband is a Vet an has had the insurance through the AVMA for over 20 years. They are completely getting out and have informed all their members they will need to find their own insurance elsewhere.

 

[Marionnette]

And that's great. I understand that part of it, but in the meantime, a lot of us get the shaft? What happened to the promise of being able to keep what you have if you are happy with it? We've worked hard for years to get where we are financially (as have a lot of people) and now WE are put as risk of not being able to afford our premiums or having to accept less coverage and high deductibles? I just fail to see how this is a good thing for the majority of people. I think I need to go back to bed

I think that in their zeal to provide a pathway to insurance for the un-insurables, they crafted a poorly-constructed law with massive, unintended consequences. They weren't kidding when they said that they had to pass the bill in order to find out what's in it. We are now finding out what's in it and how it negatively impacts the majority in order to provide for the few. It's not universal healthcare and it's not a private market anymore. It's like Frankenstein's monster, a little bit of both and not working well together!

 

[amylevan]

I think that in their zeal to provide a pathway to insurance for the un-insurables, they crafted a poorly-constructed law with massive, unintended consequences. They weren't kidding when they said that they had to pass the bill in order to find out what's in it. We are now finding out what's in it and how it negatively impacts the majority in order to provide for the few. It's not universal healthcare and it's not a private market anymore. It's like Frankenstein's monster, a little bit of both and not working well together!

Part of me thinks that these were actually intended consequences. I few years of prices like these and people will be begging for universal health care.

 

[mistysue]

Ours looks like it will stay about the same. $1,500 or so a month with $5,000 deduct single/$10,000 family, $10,000 co-insurance, $25,000 OOP max for 2 adults. The exchange is the same price. But the plan doesn't meet the ACA requirements so we'll just drop insurance and pay the fine.
Take that times 10 because we have always paid 100% for our employees. It will close our business. Thank heavens we have planned for retirement, just not this soon. Hate to close a business after 65 years but we have no choice. Our employees deserve better though!

I think I am missing something. You are saying that the cost of insurance on the exchange is the same- so in protest you are dropping your insurance and closing your business? I fail to see how it is the ACA's fault your business is closing.

 

[Sadie22]

We found out today our monthly payment is not going up. However, our individual deductible is going from $400 to $500 and our family deductible is going from $800 to $1000.

The worst part, though, is that therapy is limited to 30 session a year total (combined). My son gets occupational, physical, and speech therapy WEEKLY! So, we're good for 10 weeks next year.

Perhaps some of that therapy is available through your public school system, free of additional charges.?

 

[aprilgail2]

I think I am missing something. You are saying that the cost of insurance on the exchange is the same- so in protest you are dropping your insurance and closing your business? I fail to see how it is the ACA's fault your business is closing.

She posted that the plan they always carried doesn't meet the new requirements-

Originally Posted by scbelleatheart
Ours looks like it will stay about the same. $1,500 or so a month with $5,000 deduct single/$10,000 family, $10,000 co-insurance, $25,000 OOP max for 2 adults. The exchange is the same price. But the plan doesn't meet the ACA requirements so we'll just drop insurance and pay the fine.

 

[daughtersrus]

We have BCBS and ours is going up $0.

Over the last few years, the policy has been changing to include new benefits like well care, immunizations, birth control, coverage for adult children until age 26... which we never had before ACA.

 

[pat fan]

Will someone explain to me how this is helping everyone? I thought the premise of the ACA was to make insurance accessible and affordable to all?

It's not.

To be able to provide insurance to "everyone" those who have insurance are going to be nailed to pay for a really crappy version of insurance for those who didn't have it. Thing is, "everyone" could already go to a hospital and not be denied. Whatever. The medical industry needed to be tweaked, not have the gvt step in and try to run it. Everything that is private business that they try and run turns to poo. This is and will be a disaster for our economy.

Basically now we ALL will have sub-par coverage. And we will all be lighter ion the wallet. Woo-hoo.

 

[aprilgail2]

Ours looks like it will stay about the same. $1,500 or so a month with $5,000 deduct single/$10,000 family, $10,000 co-insurance, $25,000 OOP max for 2 adults. The exchange is the same price. But the plan doesn't meet the ACA requirements so we'll just drop insurance and pay the fine.
Take that times 10 because we have always paid 100% for our employees. It will close our business. Thank heavens we have planned for retirement, just not this soon. Hate to close a business after 65 years but we have no choice. Our employees deserve better though!

Actually you could just have done what my friend did for his business- instead of full time workers he just now has twice as many part time workers. Stinks for the people who were full time but he can't afford to stay in business and pay for their health care!

 

[leahjade]

Will someone explain to me how this is helping everyone? I thought the premise of the ACA was to make insurance accessible and affordable to all?

It was never meant to help everyone. It was designed to help an ever growing segment of our population who are dependent on the government for their every need and want, thus encouraging them to vote for whomever offers the most "free stuff". And the working class is who is intended to pick up the slack and pay for their own family's needs plus two or three other families who have decided to live off the government.
I was in line at the grocery store yesterday behind a young girl paying with her access card and she had five cans of crab meat at a total of $78 and in my cart was day old hamburger and day old rolls. Explain the fairness in that situation. The cashier said exactly what I was thinking "our tax dollars at work."

 

[luv2mickey]

Part of me thinks that these were actually intended consequences. I few years of prices like these and people will be begging for universal health care.