Premiums

[QUOTE=Peyton;2200818]The rich are mostly self-insured and do not usually purchase low deductible plans. They will purchase the high deductible plans. The rich do not need to worry about meeting the $5000 deductibles as they have the cash laying around.[/QUOTE]

So you've been spoon fed or ASSume. My real life experience is to the contrary with little exceptions.

[QUOTE=Peyton;2200770]Most of the people I know who have the low deductible plans ARE the middle class. I guess the "If you like your plan you can keep it" was not true either. Ah yes more and more and more taxes on the middle class.[/QUOTE]



Ummmmmm, the people who don't get to keep their plans are no different than the group plans, with the exception of the well played insurance company passing the blame game. ;) Tell me, what is difference if a group plan changes to conform to the ACA and the rates and coverages change, but keeps the same plan #, compared to an individual plan that changes the same way, but the policy # changes? Yeah, NOTHING!!!! Exactly what you people are piling onto. Do you ever look before you leap? lol

Nobody is forced into the exchanges. You re-sign a new policy # with the same coverage as someone who re-upped in with their employer. with the same policy #

[QUOTE=Got what you wanted;2200874]Ummmmmm, the people who don't get to keep their plans are no different than the group plans, with the exception of the well played insurance company passing the blame game. ;) Tell me, what is difference if a group plan changes to conform to the ACA and the rates and coverages change, but keeps the same plan #, compared to an individual plan that changes the same way, but the policy # changes? Yeah, NOTHING!!!! Exactly what you people are piling onto. Do you ever look before you leap? lol

[/QUOTE]

What is different is the deductible. The newer plans have higher deductibles.

[SteveJ]

[QUOTE=Got what you wanted;2200874]Ummmmmm, the people who don't get to keep their plans are no different than the group plans, with the exception of the well played insurance company passing the blame game. ;) Tell me, what is difference if a group plan changes to conform to the ACA and the rates and coverages change, but keeps the same plan #, compared to an individual plan that changes the same way, but the policy # changes? Yeah, NOTHING!!!! Exactly what you people are piling onto. Do you ever look before you leap? lol

Nobody is forced into the exchanges. You re-sign a new policy # with the same coverage as someone who re-upped in with their employer. with the same policy #[/QUOTE]

There will be a significant difference on many of the personal plans for 2014 that will impact the cost. They now have to comply with all of the mandatory benefit provisions. That includes, but is not limited to, no pre-existing conditions, all preventive care is no cost to the individual and no life-time maximum benefits. Some of these provisions are significant. These plans and their associated premiums must be filed with the state in most cases. It is entirely possible that many state insurance regulations would require that these plans be cancelled and replaced, not just modified. Not saying that's the case, but it is entirely possible. If so, the insurance companies don't have a choice.

[QUOTE=SteveJ;2200914]There will be a significant difference on many of the personal plans for 2014 that will impact the cost. They now have to comply with all of the mandatory benefit provisions. That includes, but is not limited to, no pre-existing conditions, all preventive care is no cost to the individual and no life-time maximum benefits. Some of these provisions are significant. These plans and their associated premiums must be filed with the state in most cases. It is entirely possible that many state insurance regulations would require that these plans be cancelled and replaced, not just modified. Not saying that's the case, but it is entirely possible. If so, the insurance companies don't have a choice.[/QUOTE]

Almost all those provisions were ALREADY phased into law BEFORE 2014. Almost everything you cite has been in effect already!! Check into it, seriously. You're WAY off-base and misinformed. ;) That's why my employer's normal 15-45% annual increases decreased to 5%. Stabilization and standardizing of coverage.

[QUOTE=Peyton;2200906]What is different is the deductible. The newer plans have higher deductibles.[/QUOTE]

Again, exactly what you guys touted as a solution to the healthcare problem. You got what you wanted with higher out of pocket expenses keeping people from abusing the healthcare system with their Cadillac low out of pocket coverage. What's the problem?

[QUOTE=Got what you wanted;2200954]Almost all those provisions were ALREADY phased into law BEFORE 2014. Almost everything you cite has been in effect already!! Check into it, seriously. You're WAY off-base and misinformed. ;) That's why my employer's normal 15-45% annual increases decreased to 5%. Stabilization and standardizing of coverage.[/QUOTE]

Yep, and some are so drunk on their party koolade they are embracing increased employee cost while the employer is actually saving money...

[QUOTE=Got what you wanted;2200962]Again, exactly what you guys touted as a solution to the healthcare problem. You got what you wanted with higher out of pocket expenses keeping people from abusing the healthcare system with their Cadillac low out of pocket coverage. What's the problem?[/QUOTE]

Ah yes. Now ACA is a Republican plan. LOL!

[QUOTE=Got what you wanted;2200962]Again, exactly what you guys touted as a solution to the healthcare problem. You got what you wanted with higher out of pocket expenses keeping people from abusing the healthcare system with their Cadillac low out of pocket coverage. What's the problem?[/QUOTE]

My apologies, I forgot that those lowly and spoiled middle class workers actually started to have the same healthcare coverage as the upper crust. Even though they paid for it in the form of wages/income, just the same as the crust does in the form of non-working income. In the USA today, the 90% peasants can now way have in burning **** have the same benefits as the 10% upper crust. Just ain't proper. lol "Bout sums up America today besides the Conservative part of the 90% peasants that are brainwashed into thinking their part of that 10% crust. Sadly though, the real 10% would pee on them if they were on fire. Though they really appreciate the political donations and support!!!! lol lol lol