I received noticed yesterday from my health insurance company my Affordable Care Insurance (Obamacare) the monthly premiums are increasing about 25% next year. My premium is going from $1,200 a month to $1,500 a month. That is a whopping $300 a month more. I have adult children under 25 that I am required to provide health insurance for under the rules of Obamacare.

I was thinking about those countries that collect a religious tax and thinking what if TSCC could decide to raise tithing 25% because they needed or wanted more money.

Before Obamacare, we spent about $3,000 to $4,000 a year on health care. Next year I will spend 6 times as much money for the same care. I hope Obamacare convinces TSCC members to give up tithing and buy health insurance. One good thing perhaps.

Sorry to hear that, Master! I think the older we get, the more the HMOs know we have some discretionary money and want it to line their greedy CEO pay checks. Best wishes and the best of health for you! Boner.

Yeah it sucks. I've seen insurance increase by 190% since 2010.

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-longer

Even 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.

Cry me a river.


I'm glad that I don't have to foot the bill anymore for all the freeloading deadbeats that would rather pay for a new iPhone than to insure themselves to pay for their health care costs.

Funny, I just described about half of my TBM extended family.

I don't know about actual Affordable Care options, but my employer options have increased in price dramatically...about 100% over the last 3 years. We had to opt for a high deductible plan this year to avoid another 30%+ increase. The high deductible plan is still ~5% more than the PPO was last year (it's a bit less when you consider employer contribution to HSA). Our out of pocket max is almost 7 times higher than it was 3 years ago (had increased ~400% in the PPO), our co-insurance is the same, but we're paying far more. ONLY positive I've seen is no copays for preventative care.

For those on the board who are unfamiliar with the OPs tall tales, this is one of his tallest.

That does seem odd, since healthcare costs have actually gone down for my family. I did have one prescription that I couldn't afford, but that was because my insurer suddenly cut off coverage for it. I fired that company.

Also, the last sentence in the OP's first paragraph is suspicious.

donbagley Wrote:
-------------------------------------------------------
> That does seem odd, since healthcare costs have
> actually gone down for my family. I did have one
> prescription that I couldn't afford, but that was
> because my insurer suddenly cut off coverage for
> it. I fired that company.
>
> Also, the last sentence in the OP's first
> paragraph is suspicious.

He was so obviously outed as a troll. It's not even funny how quick people caught on.

Why is the comment suspicious? In order for my husband's company to be able to provide the required insurance for everyone, our deductible jumped hugely and the deductible included routine doctor visits. All of a sudden, we had to pay $110 to see the doctor instead of $20 co-pay. And my husband's meds, instead of 80/20 we suddenly had to pay 100 percent of - until we hit the "deductible" which was so high we never did hit it. We went from having health care to having pretty much only major medical - all for only $50 more a month than we had been paying. So I can see how, if formerly covered care suddenly went to the deductible, someone would end up paying a couple thousand more. Because we did.

I don't know the OP but premiums are going up under the Affordable Care Act and health insurance premiums have gone up, way up over the last decade.

Let's share our personal premiums and see if anyone believes insurance is more affordable.

Huh, my wife just got hers and her plan went up about 50 cents for a "gold" standard plan.

But we don't pay tithing so I've got that going for us.

Out of curiosity, why do you say you are required to keep your children on your plan? It is your choice to keep them on your plan until age 26 I believe, but you don't have to.

For you doubters - I like Obamacare, for me, it is way cheaper than if I tried to get it own mine own. I could not get health insurance before Obamacare. The premiums would have been $2,000 a month with exclusions for everything. I have diabetes, I have had a heart attack, I am over 60. No Insurance company would insure us. Obamacare is a good thing. The huge increase in premiums is real. I just got the notice on Monday.

I have to pay for my adult children because they are full time students with no income. I cannot even split them off my policy's
They do increase my premiums.

I am looking for to being 65 so I can get Medicare which is what everyone should have instead of Obacare. My father had to work till he was 70 just so my mother could have health insurance until she turned 65. I wish we had Obamacare back then.

The law requires you to have insurance. I don't think it requires you to cover your children under your plan.

Your kids are healthy so they should have a reduced rate. I would call an insurance broker possibly to get some more answers.

It seems completely possible that each one of your kids could get their own plan regardless of income and you just foot the bill....hopefully at a reduced rate and maybe even through a different carrier.

I'm slated for a 25% bump. I'll try to shop around. On the other hand a good friend is alive today because he was able to get coverage after a life threatening diagnosis. This young guy is now expected to live a full life. Without Obamacare he'd be dead.

The only think I like about the ACA is the removal of pre-existing conditions as a method to not offer insurance AND that their are no $ dollar limits


Because the insurance dollar amount is unlimited that is extra risk for the insurance carrier and so everyone gets the big screw. I don't like that.

Maybe a $10Million dollar limit would be sufficient. If you are spending that much on your cancer / treatment or whatever then I can't imagine the type of life that person is having in the first place.

There is no shopping dude, you can go lower than the Gold Plan but it doesn't matter who you buy it from does it?

There is nothing out there for non-business buyers other than the ACA.

congress passed the ACA.


just sayin'

When I was in school, students could get their own health insurance through the university. It was inexpensive, and it also gave the students free access to the health clinic on campus, which could solve most routine problems.

You spent about $300 per month and now you spend $1,200? What's your deductible now? What is covered now versus then? How many more people are on your policy? How has your health changed? Your age has gone up.

OP is posting deliberately misleading nonsense.

My premiums have gone down since 2010 and my coverage has gotten better. Perhaps you should switch insurance companies.

My insurance does cover more things...however, the "MORE" part is of little use to me because it is gender related.

I wish the healthcare system was more socialist and less capitalist.

Single-payer!!

Sounds like you need a new provider. I'm still paying and will continue in 2015 to pay $3,000 to $4,000 per year for full family coverage.

The national average is 4%, and many cities are seeing falling prices.

You need to go back and find a new provider. Don't just fork over 25% more like you belong to a monopoly.

We changed plans this year because our doctor visits on the old plan went to deductible after just 4 visits per year. So in other words, we were on our own after the 4th visit because we never would have reached the deductible. We pay about 100 more per month, for insurance, but our copays went down by $5 per regular visits, and $25 per specialist. And doctor visits never go to deductible.

I think we'll end up saving money.

No, the original poster is NOT a troll. He's a regular poster here. If you think someone is a troll, report, don't speculate.



Edited 1 time(s). Last edit at 11/12/2014 11:01AM by imaworkinonit.

The Affordable Health Care act is crap, but was made crap in order to appease those who demanded a private solution. Anyway, no big complaints here. Three of my kids are now covered when they didn't used to be, so it's all been good for me. Could be better, of course. We deserve at least as good as Western European countries and Canada. Sadly, they all have us beat.

I have to decide between 3 different High Deductible Health Plans [HDHP] this year. The PPO plan is just unaffordable and if I'm going to pay big bucks I might as well put that other amount money into a Health Savings Account [HSA] instead into the Insurance carrier's pocket.

Fortunately, the employer pays about $1500 into the HSA each year. That helps and there is a discount on the premium if you do a few things for tracking your health.

Health plan Individual/Family deductible
HDHP 1 = $2600 / $5200
HDHP 2 = $3500 / $7000
HDHP 3 = $4000 / $8000

HDHP 3 of course has the lowest premium.


You have to really shop around in-network doctor offices and pharmacies (Call at least 3) in order to get the best price on medicine and doctor visits.

I've had some success in just paying cash for a doctor visit/services and avoid insurance all together. Sometimes the doctor friends give me a big break when paying cash. Less paperwork for everyone.

HDHP 1 = $2600 / $5200 $371 monthly
HDHP 2 = $3500 / $7000 $277 monthly
HDHP 3 = $4000 / $8000 $220 monthly


I don't think I'll meet the deductible unless the wife gets pregnant and wants another kid. I don't want to expand.


Feelings override logic with the wife. I like the average of 1.8 kids.

Costs have always gone up.

The question to ask, is why is the United States paying 35% in health care costs than other top tier nation?

how can we cut costs by 16%?

costs would decrease
quality would increase

fact.

Fundamentally change the healthcare system and accept maximum loss in people losing their jobs.


Change the Insurance Carrier industry from for-profit to NON-Profit.

Require all doctor service prices to be listed. Consumers have no idea how much something costs between various doctors and hospitals because they all have negotiated prices with insurance carriers that only look to make a profit. Lack of transparency means there is no competition between offices to attract customers.

( I understand you want to have a qualified doctor for that knee surgery to be the most important thing than a cheap price. But, at least you will know what a qualified doctor is charging upfront, no surprises after the fact. )

Take the profit part out of the equation and then you just have a service that is trying to find the best solution to providing great healthcare to individuals / families.


Hospitals need to find a method better method for recovering losses from bad debt, unpaid bills, lawsuits and then charging higher prices into operate in the black again.

Phazer is on the right track. suckisucksuck needs to retake Econ 101 to learn about the elasticity of demand. Healthcare is NOT a good fit for the free market, since it does not follow the rules of supply and demand.

everything.

> Everything follows the rules of supply and demand...everything.

I haven't heard that bullshit in a while. When companies collude and or control the supply, the prices get artificially raised. Look at oil, steel, cable, internet, electricity, etc...

Even with government intervention companies have created regional monopolies and controlled prices.

Free markets require active policing to make them stay free from artificial supply restrictions to drive up prices. The medical industry is infamous in following the same profit-gouging activities as any other industry looking for over-the-top profits and stock growth.

Perhaps you should actually read a little about economics before declaring such a simple-minded, vacuous, and ill-informed opinion.

I love ObamaCare. I have two children with illness that requires a very expensive medication (to the tune of $30K per year each without insurance).

Being able to keep them on my employer health insurance until they are 26 is a huge thing for us. Previous to ObamaCare they would have been uninsurable when they went to get their own coverage, now they can't be denied coverage because of pre-existing condition.

Without ObamaCare we would have been faced with the choice of going without the medication and having very ill children or going bankrupt trying to pay for it.

Sad to hear that these illnesses cost so much to treat. I don't know their ages but what if this is a life long issue, once your children are on their own plans will they be in financial ruin the first year they are covered by their own plans either through work or something else?

I scared to know what premiums will be in 3 years. It's almost like, raising the rent on a person that you no longer want renting your property to astronomical levels. Soon, you just won't be able to pay and so you will die from your illnesses.

One child is about a year from aging off our insurance, the other still has two years on my insurance. Being able to be on my plan has allowed them to stay healthy finish college and become employable. Appropriate health care (made only affordable by insurance) has meant they can be productive, tax-paying citizens fulfilling their full potential.

Health care in the US was already rationed by who could afford to pay. ObamaCare levels the field to some extent. A few years ago, child #1 was hospitalized and his roommate happened to be there for the same illness. That patient didn't have health insurance and was kicked out of the hospital after three days because he was stable enough to be treated as an out-patient. Problem was that no doctor was willing to treat him on an out-patient basis because he had no insurance and wasn't poor enough for government programs. He'd spent the previous two years going through the in/out cycle of being admitted through the ER when he became too sick, then being discharged when stable. Had he had insurance he could have been on medication that stabilized his illness and stopped the in/out ER cycle. His treatment would have been more effective, cheaper, and less disruptive to his life. As it was he couldn't work or attend school regularly because the illness was too severe.

I don't see much other than "political" in this thread...
Still, thought I'd offer another perspective, from a self-employed (but not poor) person, who doesn't get health care through any employer:

I get considerably better coverage now than any time before 2010, and my costs (for a family of 4) are 22% lower than before 2010. Deductibles and co-pays went up about 5%.

In the minds of some people "a troll is someone who says something that I find disagreeable."

You have a problem with a poster? Use the "Report" button.

But don't scream "TROLLLLLLL!!!!!!" It makes you seem, well, just a bit out of it.

Let admin deal with any potential trolls. They have the keys and the authority, after all... ;o))