How much is YOUR Ins. going up in January?

[mistysue]

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.

I saw where she said that, did you notice the line right before it- "the exchange is the same price." I read that as meaning that she can get a plan on the exchange for the same price. Rather than get the plan on the exchange, she is going to shut her entire business? If they are paying $1,500/month for 10 employees that means that dropping coverage would put them $15,000 ahead per month! In other words, she just told us that her profit is going up by $180,000 per year... and this is going to make her close the business? It makes no sense. I understand having strong reactions or being upset by the entire thing, but that is crazy. The situation sucks, so be upset, but don't sabotage yourself out of spite.

 

[Marionnette]

I saw where she said that, did you notice the line right before it- "the exchange is the same price." I read that as meaning that she can get a plan on the exchange for the same price. Rather than get the plan on the exchange, she is going to shut her entire business? If they are paying $1,500/month for 10 employees that means that dropping coverage would put them $15,000 ahead per month! In other words, she just told us that her profit is going up by $180,000 per year... and this is going to make her close the business? It makes no sense. I understand having strong reactions or being upset by the entire thing, but that is crazy. The situation sucks, so be upset, but don't sabotage yourself out of spite.

As a small business owner with less than 50 employees, the PP is not under obligation to provide health insurance for her employees under the ACA. I think it's great that she does without the government having to dictate that she do so!

We have a small business, also with fewer than 50 FT employees, and we offer an insurance plan. However, only a couple of them take us up on it since they have to pay for their premiums and can get better coverage through their spouses. I'm surprised that the PP could even find out what's available to business owners. We can't even register on the website, let alone determine whether we can provide a better or more affordable plan for our employees.

 

[JillianMarie]

I asked my husband and our insurance isn't changing at all. I mean, no more than the usual small increase we see each year.

Personally I don't like the ACA that much either. It's a weird Frankenstein's Monster of a law. They would've been better off just going to single payer coverage and nationalizing the whole system. To me that seems like the only rational way to handle it.

 

[kydisneyfans]

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."

Absolutely 100% correct. It's gone from upper/middle/lower class to working class vs government moochers. The ACA is destroying what middle class was left.

 

[lost*in*cyberspace]

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

Absolutely untrue. Nothing is changing with my current insurance plan, nor is it changing for many other people.

 

[Marionnette]

Absolutely untrue. Nothing is changing with my current insurance plan, nor is it changing for many other people.

Are you in a union of part of a group that got an Obamacare waiver for 2014? Those are the only people I know who have not had their health insurance changed for the worse as a result of this law. So many people that I know who had catastrophic plans prior to this, cannot afford to pay for even the bronze plans under the exchanges. People who had plans through their employers are finding that they will be paying more for policies that provide less. The plan that we had, and offered to our employees, was dropped by our insurance company 6 months before the first phase of Obamacare went into effect. We had to move to a more expensive policy which complies with the ACA.

 

[Pooh2]

Are you in a union of part of a group that got an Obamacare waiver for 2014? Those are the only people I know who have not had their health insurance changed for the worse as a result of this law. So many people that I know who had catastrophic plans prior to this, cannot afford to pay for even the bronze plans under the exchanges. People who had plans through their employers are finding that they will be paying more for policies that provide less. The plan that we had, and offered to our employees, was dropped by our insurance company 6 months before the first phase of Obamacare went into effect. We had to move to a more expensive policy which complies with the ACA.

All of our family and friends have seen a huge increase, including several family member who are union. The union members were stunned to see increases as they thought they has protections from this law. This is the largest tax in the history of our country and is an incredible burden on the middle class.

 

[meriface11]

I just got my 2014 rates and the entire annual premium is only going up $269, so just over $20 a month, with no changes to deductible or coinsurance max. I work for a fortune 50 that is not exempt from ACA.

 

[pat fan]

Absolutely untrue. Nothing is changing with my current insurance plan, nor is it changing for many other people.

Dr's are leaving, less are going into it, free clinics are going out so more people going to less Dr's means less care for all. Rationing of care due to age etc...means less care. Waiting for specialists longer means less care. Having a gvt official decide if I really need something done instead of MY Dr deciding means less care. Losing MY Dr because he's leaving and not being able to find one that takes new patients means NO care, or just ER care. Having a deductible that is so far out of reach that I just forego going to the Dr is worse/no care. I am glad you are not affected by this, but there are more of us who are adversely affected than there are that are not affected.

 

[daughtersrus]

Can I ask a question? To everyone that says that they are now having to pay for health insurance for someone else because of the ACA, who do you think has been paying for health insurance for people that get insurance from their employers?

 

[JillianMarie]

Dr's are leaving, less are going into it, free clinics are going out so more people going to less Dr's means less care for all. Rationing of care due to age etc...means less care. Waiting for specialists longer means less care. Having a gvt official decide if I really need something done instead of MY Dr deciding means less care. Losing MY Dr because he's leaving and not being able to find one that takes new patients means NO care, or just ER care. Having a deductible that is so far out of reach that I just forego going to the Dr is worse/no care. I am glad you are not affected by this, but there are more of us who are adversely affected than there are that are not affected.

I would maybe suggest giving it more than a week of being implemented before starting to talk about how there are suddenly too few doctors for people. I sincerely doubt that there has been a sudden drop in medical school enrollments since Sunday. I have no doubt that it's frustrating to have to find a new doctor and I have no doubt that your deductible is, indeed, going up but painting with such a broad brush doesn't do anyone any favors.

 

[eliza61]

Can I ask a question? To everyone that says that they are now having to pay for health insurance for someone else because of the ACA, who do you think has been paying for health insurance for people that get insurance from their employers?

Lol, tinkerbell
Sorry couldn't resist. Let it go. facts are never going to be a factor. It's better to pretend that healthcare is wonderful, that every one can go to the doctor and premiums are still the same price they were in 1996

 

[amylevan]

Can I ask a question? To everyone that says that they are now having to pay for health insurance for someone else because of the ACA, who do you think has been paying for health insurance for people that get insurance from their employers?

Um, my employer has been paying for my health insurance as a benefit of working there. Where are you going with this?

 

[eliza61]

Um, my employer has been paying for my health insurance as a benefit of working there. Where are you going with this?

She's going with, we, the general working person is paying and has been paying for the uninsured for a very long time.
Anyhoo, my premiums went up about 36 bucks a month. Nice thing is e also got 3 new options.
My premiums have gone up about
2-3% annually which is around the rate of inflation and well below the national average of 9%

 

[ruadisneyfan2]

I work in a hospital that is self insured (basically they pay for what we need through BC). We have BC Personal Choice that is $169 per biweekly pay. They announced that our premiums will go up 13% in 2014. They also offered a "Live Well" promotion over the summer to earn a then-unknown discount off next year's rates. If one would participate in various preventative healthy things, you would get the discount. (mammogram, Pap smear, colonoscopy, dentist, skin cancer check, vision exam, healthy lifestyle lectures, walking challenge with pedometer, etc.)
I completed enough to qualify for the discount which was just announced at 15% so actually my insurance will go down 2%.

 

[Mrs. Bradbury]

Ours is staying the same. I work for a state university and we are self-insured.

 

[pat fan]

I would maybe suggest giving it more than a week of being implemented before starting to talk about how there are suddenly too few doctors for people.

This is not based on a week. This is based on the looming start of ACA. Where I live, Dr's have closed their doors and there have been no replacements. Good luck trying to get in with the remaining Dr's, no new patients. And they HAVE stated that the reason they left is ACA. It's a rural area so there is not a whole lot of options.

 

[wendow]

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.

So very true.

 

[leahjade]

few years of prices like these and people will be begging for universal health care.

And the sad part is that so many uneducated people in this country think that it's free (the government will pay for it). They don't realize that the countries with universal health care have the highest taxes in the world (Belgium 54%, Germany 45%, Finland 46%, Denmark 44%, Italy 43%) not to mention the countries ruined by too many social programs and no one to pay for them (anyone hear of Greece?). But I guess if you're not working it's all free to you and someone else will pay for it!

 

[ellone]

We don't know yet - my husband was told that they are going to have new plans next year so we could end up paying more and getting less coverage. We'll see in a few weeks.