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Author Topic: Health insurance premiums  (Read 1955 times)
Keith13
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« on: March 22, 2013, 11:09:20 AM »

Did yall happen to see the Wall Street Journal article today concerning United Health care? Looks like they plan to double the insurance premuims for all single payer and small business policies next year. a 100% increase!! all related to obamacare

not sure how this country will be able to afford obamacare the more that we read of this thing it looks to get worse and worse.

Keith
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Keith13
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« Reply #1 on: March 22, 2013, 11:11:58 AM »

the article

http://online.wsj.com/article/SB10001424127887324557804578374761054496682.html?mod=WSJ_hpp_LEFTTopStories

Keith
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jmblakeney
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« Reply #2 on: March 22, 2013, 11:14:29 AM »

That was the plan all along.  To make you have to get ObamaCare.
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sawdstmakr
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« Reply #3 on: March 22, 2013, 11:57:57 AM »

Remember, We had to vote for Obamacare to find out what is in it.
Jim
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AllenF
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« Reply #4 on: March 23, 2013, 07:24:06 AM »

Did everyone catch the excise tax that the government is putting on heath care plans also?   
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Joe D
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« Reply #5 on: March 23, 2013, 11:05:58 AM »

Now you know Allen, that Obama wouldn't tax the middle class.    Well at least haven't heard everything is still George Bush's fault lately, now it's the Republican House.




Joe
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kathyp
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« Reply #6 on: March 23, 2013, 11:35:19 AM »

remember that debate we had about how many pages the bill was?  didn't matter.  most of the law was not written.  now we are up to 1000's of pages of just regulations!  we still have no clue what this is going to be. 

of course your premiums are going up.  how could they not.  force things to be covered and given for free.  take away choice in policies.  it's like magic!  premiums go up.
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.....The greatest changes occur in their country without their cooperation. They are not even aware of precisely what has taken place. They suspect it; they have heard of the event by chance. More than that, they are unconcerned with the fortunes of their village, the safety of their streets, the fate of their church and its vestry. They think that such things have nothing to do with them, that they belong to a powerful stranger called “the government.” They enjoy these goods as tenants, without a sense of ownership, and never give a thought to how they might be improved.....

 Alexis de Tocqueville
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« Reply #7 on: March 23, 2013, 05:36:39 PM »

Many employers are cutting employee hours so they will fall under the threshold for supplying healthcare insurance.


Steve
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sterling
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« Reply #8 on: March 23, 2013, 07:13:29 PM »

Obama Care will be the biggest disaster this country has ever had to endure.
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Fox Creek
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« Reply #9 on: March 23, 2013, 10:32:23 PM »

    As intended.
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kingbee
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« Reply #10 on: March 24, 2013, 12:12:30 PM »

Beemaster is still on sequestration.  The White House is still not giving toures to little school children.  And the President of Vice... or is it the Vice President just ran up a $1,000,000 plus hotel bill for two nights in London and Paris.

Coming from an Administration that promised we the voters "The most ethical administration in history."  This is not only ridiculous but it is also criminal and treasonous.

Meanwhile citizens are mulling over the possibility of a Federal monument in Barrack Obama's honor.  You know, something high in the mountains like the monument at Mount Rushmore.  In fact they have already built it and are only waiting for the honoree to take up residence.  Of course it will have to be renamed.  It is located about 10 miles from Florence, Colorado.

http://en.wikipedia.org/wiki/ADX_Florence
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luvin honey
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« Reply #11 on: March 25, 2013, 11:08:37 AM »

You quote the worst-case scenarios from the article, but not the paragraphs that refer to premiums only going up moderately or even decreasing.
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« Reply #12 on: March 25, 2013, 11:18:51 AM »

even the people who were for this in the beginning are backing off. it's a disaster...as designed.
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.....The greatest changes occur in their country without their cooperation. They are not even aware of precisely what has taken place. They suspect it; they have heard of the event by chance. More than that, they are unconcerned with the fortunes of their village, the safety of their streets, the fate of their church and its vestry. They think that such things have nothing to do with them, that they belong to a powerful stranger called “the government.” They enjoy these goods as tenants, without a sense of ownership, and never give a thought to how they might be improved.....

 Alexis de Tocqueville
Keith13
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« Reply #13 on: March 25, 2013, 11:30:11 AM »

only quote of premiums going up moderatly or decreasing was from the current administration in the article. Insurance companies at a minimium said cost will rise 14% and that was the lowest i saw. Big contrast to the kings decree a few years back that this would cut cost across the board and make health insurance affordable to all.

This bill is garbage

Keith
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sterling
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« Reply #14 on: March 25, 2013, 11:32:30 AM »

16,000 pages and counting of regulation put together by people who are not medically trained and are not accountable to the voting public?Huh What good can be expected?
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Fox Creek
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« Reply #15 on: March 25, 2013, 12:57:13 PM »

16,000 pages and counting of regulation put together by people who are not medically trained and are not accountable to the voting public?Huh What good can be expected?

    Kind of stole my thunder! Its now 17000 and counting. This was never about healthcare. This is about control and keeping the Progressives in power. As more and more ugly details of this law are enacted, many Democrats ( should have read before passing ) who supported this monstrosity are or will be, running for cover.
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kingbee
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« Reply #16 on: March 25, 2013, 09:04:25 PM »

You quote the worst-case scenarios from the article, but not the paragraphs that refer to premiums only going up moderately or even decreasing.

There are no paragraphs that make this claim.  All such claims in the link are the words of the Obama Administration and these words must not be taken at their face value but discounted like the words of all politicians.  Since Obama care forbids insurance companies from charging more for covering the sick than they charge for the healthy what Obama Care is in reality is a program to subsidy the unhealthy, the drug abuser, the alcoholic, the smoker and the overweight.  I realize that you will likely take exception to my words but before you counter post please explain how requiring the unhealthy to pay no more than the healthy for health care is not a tax on the healthy to subsidise the lifestyle of the unhealthy..
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sawdstmakr
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« Reply #17 on: March 26, 2013, 09:26:50 PM »

Ditto that, Kingbee.
Jim
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luvin honey
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« Reply #18 on: March 27, 2013, 08:29:36 AM »

No, it's the large insurance providers who are quoting much smaller AND larger increases. I wonder how much extra profit health insurance companies will try to hide in their increases, blaming it on gov't instead.
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Moots
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« Reply #19 on: March 27, 2013, 10:20:57 AM »

No, it's the large insurance providers who are quoting much smaller AND larger increases. I wonder how much extra profit health insurance companies will try to hide in their increases, blaming it on gov't instead.

Oh yeah, more of the blame the evil corporation mindset...

luvin honey, if you think there's SO MUCH profit in running an insurance company, why not start one of your own?  Take your capital, your hard earned money, and put it as risk.  You do understand that is the way capitalism works, don't you?  It's the whole risk vs reward thing....If there's not the potential for "profit" what incentive is there for risking ones money???

Capitalism is hands down the greatest economic system ever, giving everyone an opportunity.....Understand, an "opportunity", not a guarantee, but an opportunity to make something of themselves.  Yet this administrations seems hellbent on trashing it and turning us into some Socialist style European government.  Unfortunately, I think this country has hit a tipping point and is going to allow it to happen.  Based on the last election, it now looks like we have more people interested in free stuff than freedom.  Truly a sad day for this country, in my opinion, it's going to be a disaster.   

Honestly, one of the reason I got into bees is because it was just to darn depressing to go home and watch the evening news!
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kathyp
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« Reply #20 on: March 27, 2013, 11:43:41 AM »

Quote
No, it's the large insurance providers who are quoting much smaller AND larger increases. I wonder how much extra profit health insurance companies will try to hide in their increases, blaming it on gov't instead.

as you know, i am not a fan of the existence of insurance companies...or rather, the reliance by the population on them. the people did demand that someone else cover their costs, so insurance companies fill that demand.  and yes, they are in business to make money, but their profit margin is comparatively small.  it should also be remembered that many of these companies are non-profit.  that means they can charge cost + what can reasonably be expected (determined by law) to be the future costs.  they can't bank a "profit".

enter the government:  it now dictates what must be covered and who must be covered.  worse, they can no longer turn away people with pre-existing conditions.  as a feel good measure, it's great.  as a business consideration, it's a disaster.  insurance cost depends on the pool buying into the insurance. if it's cheaper for people not to buy insurance and pay the fine, then get insurance when they get sick, you have fewer healthy people paying into the system and more sick people taking out.

so, more covered, more "free" stuff, no control over pool of payers, and you are surprised that cost might go up?  add to that, small businesses are dumping their insurance programs and people will end up on the federal exchanges...which are tax dollar supported, so guess what goes up next?

i know you are struggling to defend this, but it's pretty much indefensible...except in one way:  we know that single payer has been the leftist plan forever.  we know they are not stupid.  knowing those two things, the only logical conclusion is that this was designed to fail so that single payer is the rescue option.   
this will be such a mess that they are banking on people accepting single payer as a rescue.



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.....The greatest changes occur in their country without their cooperation. They are not even aware of precisely what has taken place. They suspect it; they have heard of the event by chance. More than that, they are unconcerned with the fortunes of their village, the safety of their streets, the fate of their church and its vestry. They think that such things have nothing to do with them, that they belong to a powerful stranger called “the government.” They enjoy these goods as tenants, without a sense of ownership, and never give a thought to how they might be improved.....

 Alexis de Tocqueville
Fox Creek
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« Reply #21 on: March 27, 2013, 12:21:14 PM »

    Kathyp is correct. My hope is, people will not just stand around and watch. I plead with my conservative friends to get involved ! What this Jerk in the Whitehouse has done is pure evil !!! Help those who are taking a stand ! Research organizations claiming to be in the fight. When you decide which one you see as an effective group, support them !!!
« Last Edit: March 27, 2013, 12:44:31 PM by Fox Creek » Logged
luvin honey
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« Reply #22 on: March 29, 2013, 11:51:15 AM »

I'm not struggling to defend anything. I want to wait and see. The only thing I KNOW is that insurance costs have been skyrocketing every single year for a very long time. There is nothing new about this. But it might be a good time for insurance companies to blame it on the government and jack premiums up yet again.
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Keith13
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« Reply #23 on: March 29, 2013, 11:52:54 AM »

I'm not struggling to defend anything. I want to wait and see. The only thing I KNOW is that insurance costs have been skyrocketing every single year for a very long time. There is nothing new about this. But it might be a good time for insurance companies to blame it on the government and jack premiums up yet again.

thats a fair point
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kathyp
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« Reply #24 on: March 29, 2013, 11:53:08 AM »

Quote
But it might be a good time for insurance companies to blame it on the government and jack premiums up yet again

sure, because we have a whole list of things that the government has messed in, and has made more efficient and cost effective!
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.....The greatest changes occur in their country without their cooperation. They are not even aware of precisely what has taken place. They suspect it; they have heard of the event by chance. More than that, they are unconcerned with the fortunes of their village, the safety of their streets, the fate of their church and its vestry. They think that such things have nothing to do with them, that they belong to a powerful stranger called “the government.” They enjoy these goods as tenants, without a sense of ownership, and never give a thought to how they might be improved.....

 Alexis de Tocqueville
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« Reply #25 on: March 31, 2013, 09:41:07 AM »

Perhaps government regulation has been driving insurance costs for a long time. I am almost willing to wager that the medical foelds employ as many for red tape and paerwork as they do people that catually treat patients. This all adds costs that produce nothing.
I find it amazing they will not touch tort refrom which is another huge drain on insurance companies.
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