Posted by:
Phazer
(
)
Date: November 12, 2014 10:15AM
Starting last year I had to switch to my employers High Deductible Health Plan (HDHP) option instead of the usual PPO.
The insurance company projected 2014 claims to be less than they were. So, in 2015, the insurance company wants to make up for their losses and really sticking it to the employer. The new 2015 HDHP premiums have doubled in price. Samer services as last year but twice as much.
Seems pretty scammy to me. Force the healthy to subscribe to a an insurance service or pay tax/penalty in order to offload their healthy advantage and pay for the very unhealthy claims each year.
http://nation.foxnews.com/2014/11/11/megyn-kelly-slams-obamacare-architect-who-declined-appear-kelly-file-were-no-longerEven one of the ACA architects had a very big reveal regarding getting the ACA bill passed thanks to the opaque transparency and stupidity of the American people.
Basically, it all comes down to Government creating a forced opt-in AutoShip-like membership to buy a product [insurance] and creates a permanent revenue stream for insurance companies.
Looking over my premiums over the years:
Year 2010 PPO Emp +Fam 90/10 coverage $427 monthly
Year 2011 PPO Emp +Fam 80/20 coverage $317 monthly
Year 2012 PPO Emp +Fam 80/20 coverage $347 monthly
Year 2013 PPO Emp +Fam 80/20 coverage $415 monthly
Year 2014 PPO Emp +Fam 80/20 coverage $635 monthly
Year 2015 PPO Emp +Fam 80/20 coverage $919 monthly
Year 2014 HDHP Emp + Fam 7000 deductible/90% $147 monthly
Year 2015 HDHP Emp + Fam 7000 deductible/90% $277 monthly
The biggest jump in insurance price is when you start a family. That whole group gets SCREWED BIG TIME!
When PPO plans are finally dropped by companies my fear is that the HDHP premiums will reach the same levels of PPO premium prices in 3 years or less.