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Post your insurance rates here and how much they went up


#1 slidecage   Nothing to say CAGiversary!   29326 Posts   Joined 14.9 Years Ago  

Posted 27 October 2016 - 09:50 PM

right now  im with united   paying  385 per month ... They are leaving the marketplace   and there is only 1  place in the state of indiana that offers insurance  *unless you want to deal with medicade

 

anthem is the only one now..

 

 

price  448 per month  for the min  that covers  doctors before hitting dec.

 

that is almost a 20%  jump...65 bucks..  do they expect me to pull 65 bucks out of my ass  like magic 

 

 

i went to the doctor   3 times this year

 

foot was sore   

flu

more pain in foot

 

 

i know for a fact i be going at least  2 or 3 times a month   for the price im paying this year   even if it is to say high  motherfucker ;)

 

 

what is bull shit they go the increases wont effect many cause most people get insurance ffrom the place they work at.. If that is the case then why the Fuck did we need obamacare in the first place

 

 



#2 detectiveconan16   Delicious! CAGiversary!   7124 Posts   Joined 12.3 Years Ago  

detectiveconan16

Posted 27 October 2016 - 10:06 PM

Because without Obamacare people would still be going bankrupt or die from easily preventable diseases. The terms of Obamacare were for your state government to make sure that insurance marketplace was on the up and up, and for many Republican led States, they decided to spite their constituents and say Fuck Obamacare. If they do replace it, you think the same people will actually replace it with single payer health care? Nope, SSDD.



#3 slidecage   Nothing to say CAGiversary!   29326 Posts   Joined 14.9 Years Ago  

Posted 27 October 2016 - 11:40 PM

Because without Obamacare people would still be going bankrupt or die from easily preventable diseases. The terms of Obamacare were for your state government to make sure that insurance marketplace was on the up and up, and for many Republican led States, they decided to spite their constituents and say Fuck Obamacare. If they do replace it, you think the same people will actually replace it with single payer health care? Nope, SSDD.

yea right    



#4 detectiveconan16   Delicious! CAGiversary!   7124 Posts   Joined 12.3 Years Ago  

detectiveconan16

Posted 28 October 2016 - 11:02 AM

I think the efforts to repeal Obamacare could've been used to make it more affordable. Voting on anything in Congress costs money, especially if you try to repeal it over and over and over in the past seven years. According to healthinsurance.org

10-ways-congress-could-have-spent-87-mil



#5 UncleBob  

Posted 29 October 2016 - 01:47 AM

Remember, anyone who calls it Obamacare shouldn't be taken seriously. :D

#6 mrsilkunderwear   Just Do It. CAGiversary!   1701 Posts   Joined 9.8 Years Ago  

mrsilkunderwear

Posted 07 November 2016 - 02:32 PM

I think the efforts to repeal Obamacare could've been used to make it more affordable. Voting on anything in Congress costs money, especially if you try to repeal it over and over and over in the past seven years. According to healthinsurance.org

10-ways-congress-could-have-spent-87-mil

Do you not see the irony?



#7 slidecage   Nothing to say CAGiversary!   29326 Posts   Joined 14.9 Years Ago  

Posted 08 November 2016 - 03:06 PM

Remember, anyone who calls it Obamacare shouldn't be taken seriously. :D

then i guess we shouldnt take obama  at his word then cause he  says it all the time 



#8 Syntax Error   Art School Dropout CAGiversary!   10959 Posts   Joined 7.0 Years Ago  

Syntax Error

Posted 08 November 2016 - 03:08 PM

My insurance went up 2% this year.



#9 berzirk   I'm not so serious CAGiversary!   2506 Posts   Joined 11.2 Years Ago  

Posted 16 November 2016 - 01:14 AM

My wife and kid's premiums were $377/mo before the ACA, starting December 1st it will be $920/mo. 

 

Healthcare has gotten A LOT more affordable for me.  :-|



#10 ac_fiz   CAG Veteran CAGiversary!   45 Posts   Joined 13.2 Years Ago  

Posted 02 March 2017 - 07:51 PM

There are 2 main problems with Obamacare. The mandate and pre existing conditions. The mandate is just ridiculous and unconstitutional and goes against the American idea of freedom. It's funny that those that promote women's right to choose on abortion are against choice when it's anyone that wants the choice to not buy health insurance.

 

The problem with pre existing conditions is that it puts to high a burden on insurance companies, which forces them to increase rates. You don't get to buy fire insurance after your house burns down (pre existing condition) and expect them to payout 200k+ in benefits to you in exchange for you paying in $80/month starting now just after your house burnt down. That is not how insurance works. Forcing health insurance companies to cover pre existing conditions is exactly that. They will not have enough money coming in from those people to come close to covering what they are paying out.

 

There needs to be a different solution for people with pre existing conditions.



#11 Msut77   Occam's Shank CAGiversary!   6251 Posts   Joined 14.6 Years Ago  

Posted 02 March 2017 - 09:44 PM

There are plenty of things that could be done to make ACA better. Good luck getting it through Congress

#12 soulvengeance   Beating dead horses CAGiversary!   4226 Posts   Joined 15.8 Years Ago  

soulvengeance

Posted 02 March 2017 - 10:22 PM

There are 2 main problems with Obamacare. The mandate and pre existing conditions. The mandate is just ridiculous and unconstitutional and goes against the American idea of freedom. It's funny that those that promote women's right to choose on abortion are against choice when it's anyone that wants the choice to not buy health insurance.

 

The problem with pre existing conditions is that it puts to high a burden on insurance companies, which forces them to increase rates. You don't get to buy fire insurance after your house burns down (pre existing condition) and expect them to payout 200k+ in benefits to you in exchange for you paying in $80/month starting now just after your house burnt down. That is not how insurance works. Forcing health insurance companies to cover pre existing conditions is exactly that. They will not have enough money coming in from those people to come close to covering what they are paying out.

 

There needs to be a different solution for people with pre existing conditions.

People with preexisting conditions had a choice before, and that was to die or just suffer. If you don't want to buy health insurance, I think that's fine, I also think the hospital should then have the right to reject you right there unless you bring cash.



#13 detectiveconan16   Delicious! CAGiversary!   7124 Posts   Joined 12.3 Years Ago  

detectiveconan16

Posted 03 March 2017 - 11:37 AM

My wife and kid's premiums were $377/mo before the ACA, starting December 1st it will be $920/mo. 

 

Healthcare has gotten A LOT more affordable for me.  :-|

ACA was designed to SLOW the rise in health care costs and it did, you forgot that people went bankrupt by 2008. Congress and State Governments were supposed to fix the ACA. You expected government to work with the idiots America keeps putting in? Repeal it and what happens?

 

Oh yeah, did Rand Paul find Al Capone's tomb yet?



#14 berzirk   I'm not so serious CAGiversary!   2506 Posts   Joined 11.2 Years Ago  

Posted 08 March 2017 - 05:45 PM

ACA was designed to SLOW the rise in health care costs and it did, you forgot that people went bankrupt by 2008. Congress and State Governments were supposed to fix the ACA. You expected government to work with the idiots America keeps putting in? Repeal it and what happens?

 

Oh yeah, did Rand Paul find Al Capone's tomb yet?

That's just fundamentally untrue. It did nothing to slow the rise in health care costs. Premiums have increased in larger quantities and more frequently than the past. 

 

Has a single procedure become less expensive now?

 

Are prescriptions less expensive? 

 

Maaaaaaybe in Oregon we're in some sort of Oz where all of our healthcare costs continue to rise annually and the rest of the nation isn't experiencing that but...no, I'm not even will to concede that. ACA has done NOTHING to reduce procedure and premium costs. It has done wonders for insuring the uninsured.  

 

I believe we either need to get the government the hell out of health care, or let them take it all over. This toe in the water approach ends up fucking everybody. 



#15 Msut77   Occam's Shank CAGiversary!   6251 Posts   Joined 14.6 Years Ago  

Posted 08 March 2017 - 11:16 PM

It did quite a bit to slow the rate at which the increases happened. I stopped reading there.

#16 detectiveconan16   Delicious! CAGiversary!   7124 Posts   Joined 12.3 Years Ago  

detectiveconan16

Posted 09 March 2017 - 11:46 AM

Yes, it's called "The World's Greatest Health Care Plan of 2017", and no it will not be called the "Republican Pay More for Less Care Act." http://www.politico....an-fight-235832 At least the nightmare will be over soon because the White House is pissed at the criticism.



#17 slidecage   Nothing to say CAGiversary!   29326 Posts   Joined 14.9 Years Ago  

Posted 09 March 2017 - 01:46 PM

what  a freaking joke  i just found out they changed the health laws in the state of indiana last year

 

HIP (low income)  now  no longer cares how much  money you have    its what you show on your taxes



#18 berzirk   I'm not so serious CAGiversary!   2506 Posts   Joined 11.2 Years Ago  

Posted 09 March 2017 - 09:05 PM

So it looks like I need to confess that on the national scale, I appear to be factually wrong.  My fault. 

 

On the State scale, which is where I was drawing from in both materials I read and experiences my family and acquaintances have experienced, the ACA has done nothing to slow premium increases. 

 

http://www.oregonliv...rs_seek_do.html

 

http://dfr.oregon.go...june302016.aspx

 

Looks like Oregon as among the highest increases in the country: http://www.zerohedge...emium-surges-24

 

http://avalere.com/e...6-increases-but

 

So my bad for claiming that you guys were wrong nationally, I was. 



#19 Msut77   Occam's Shank CAGiversary!   6251 Posts   Joined 14.6 Years Ago  

Posted 10 March 2017 - 02:15 AM

Move



#20 detectiveconan16   Delicious! CAGiversary!   7124 Posts   Joined 12.3 Years Ago  

detectiveconan16

Posted 10 March 2017 - 11:30 AM

https://www.nytimes....core-ipad-share

 

Trump Supporters have a lot to lose under the World's Greatest Healthcare Plan of 2017, namely those tax credits and access to Medicaid. I'm not sure why the lying media believes there is a storm in the Republican party about this, considering they confirmed most of Trump's nominees, especially Tom Price who loves this plan. It's gonna pass.



#21 RedvsBlue  

RedvsBlue

Posted 12 March 2017 - 12:10 PM

https://www.nytimes....core-ipad-share

Trump Supporters have a lot to lose under the World's Greatest Healthcare Plan of 2017, namely those tax credits and access to Medicaid. I'm not sure why the lying media believes there is a storm in the Republican party about this, considering they confirmed most of Trump's nominees, especially Tom Price who loves this plan. It's gonna pass.


This whole bill is a giant middle finger to the lower middle class, poor people, and the elderly. So yeah, most of Trump's supporters.

If it wasn't for the fact it would hit my parents hard who have significant need for medical services part of me would just say let them pass it so they can burn themselves and lose all their supporters. Ah, who am I kidding their supporters will still find a way to justify how this was Obama's fault and they're not actually just Republican billionaire bootlickers.

#22 detectiveconan16   Delicious! CAGiversary!   7124 Posts   Joined 12.3 Years Ago  

detectiveconan16

Posted 12 March 2017 - 08:19 PM

http://www.nbcnews.c...th-care-n732386 Kasich admits that the World's Greatest Healthcare Plan of 2017 won't help many people in his state, as Ohio is in the midst of a drug addiction epidemic not to mention everybody's been saying it screws over Americans. Still "calling for compromise".



#23 dopa345   All around nice guy CAGiversary!   2247 Posts   Joined 15.2 Years Ago  

Posted 12 March 2017 - 10:17 PM

Ironically, it is many people here that likely will benefit more from the Republican plan.  The fatal flaw in Obamacare which anyone with common sense could see a mile away (and I myself posted heavily on this is the past before it became mainstream) is that it completely disincentivized young, healthy people from buying in, leaving a progressively sicker patient panel pool is why costs increases have accelerated.  The Republican plan (which I agree is by no means close to perfect), at least permits some more stratification in premiums so that young health people with no active health issues can afford decent barebones coverage which would fit their needs and encourage them to remain in the risk pool which if sustained will actually lead to lower costs in the long run.



#24 detectiveconan16   Delicious! CAGiversary!   7124 Posts   Joined 12.3 Years Ago  

detectiveconan16

Posted 12 March 2017 - 10:26 PM

Well, they should've proposed something like that eight years ago.



#25 SilentBob50023   Kneel Before Zod CAGiversary!   835 Posts   Joined 10.2 Years Ago  

SilentBob50023

Posted 14 March 2017 - 10:51 AM

The fatal flaw in Obamacare which anyone with common sense could see a mile away (and I myself posted heavily on this is the past before it became mainstream) is that it completely disincentivized young, healthy people from buying in

...which is why the individual mandate and the clause allowing children up to age 26 to be covered under their parents' plan were created to overcome that very obstacle.  The push-back on the penalties for not having coverage under the ACA that delayed the implementation of penalties is why there were not enough healthy younger people IN the system to offset the older or more sickly ones that did sign up to take advantage of the waiver for pre-existing conditions.  

 

That caused insurance companies to start pulling out of the marketplace because they simply couldn't sustain it.  The Republicans are decrying the current lack of choice; I can understand that to a point, but if the numbers of people the CBO estimated would have signed up under the ACA back when they crunched the numbers in '08 or '09, we wouldn't have had the pullouts by the big insurers and had more choice.  Instead, the ACA was denigrated for being an unfair tax and every Republican ran on tickets that promised to repeal and replace it with something better.  Their constituents were so ill-informed that a staggering percentage (30% or greater) didn't know Obamacare and the ACA were the same thing.  They wanted to repeal Obamacare (because "Obama" is in the word) but liked their coverage under the ACA. What?  In hindsight, maybe Obama should not have co-opted the intended pejorative to take ownership of something that was intended to help a great number of Americans.  We know Trump has NO plans to take ownership of the AHCA, even if some are trying to label it Trumpcare already.

 

Supposed policy wonk Paul Ryan in his PowerPoint presentation about AHCA had a stunningly ignorant slide showing how the younger, healthier people were supposed to offset the cost for the older or more sick.  Well, duh, that's how insurance of ANY type works.  The bigger the pool, the premiums paid by the young and healthy more than offset the claims insurance companies pay out for the infirm. That's how insurance companies make a profit.  It works for car insurance, renters insurance, homeowners insurance, etc.  The paid claims number far less than the number of people paying monthly for coverage.  For example, how many millions of drivers DON'T have an accident in any given month?  How many homeowners don't get burglarized or have their houses burn down?  They're all paying nonetheless.  It couldn't be much simpler to understand.

 

Now, one small saving grace I hear from the AHCA being proposed is allowing employees of unrelated small businesses band together to create a group for the purpose of lowering overall healthcare expenses.  If you could get local Chambers of Commerce on board with something like this, small business owners would not feel nearly the pressure to provide affordable insurance for employees if they could pool various businesses from the community together into a single healthcare pool.  I would imagine you would have insurers fighting over landing such an account, which could eventually lower cost for everybody involved.  But again, you NEED healthy, younger people in the pool or it will never work.  

 

Without a mandate, many of those same younger and healthy people will choose to skip health insurance altogether.  Why pay for insurance when you can use that money to party or take trips?  You're young, you're going to live forever, right?  The only penalty under the AHCA will be a 30% surcharge on premiums if you have lapsed coverage.  The young and healthy could choose to skip paying for years on end.  Take about disincentivized!  That in itself will collapse the whole current argument about having more choice.  The biggest losers are going to be the poor and the elderly/sick.  The current plan to give refundable tax credits to the poor and wealthy alike only benefits the wealthy.

 

People aren't showing up to town halls across the country because they think this program is great and they want to thank their representatives in Congress for all their hard work over the last eight years coming up with such an innovative alternative (snark completely intended).  And, no, they're not "paid protesters" either.  Some Republicans like to claim these protesters are getting paid $1500 a week to show up and disrupt town halls across the country.  Sign me up!  What a great part-time job.  

 

Red state governors are already scrambling to try to come up with revenue ideas to replace the Medicaid dollars their states took during the expansion under the ACA and see that the effort is futile.  Their constituents were all promised a fairy tale to replace the "evil" of Obamacare. The poorest states continue to vote against their own best interests.  The Medicaid expansion under the first draft of AHCA was supposed to end in 2020; now they're seriously considering ending it this calendar year.  



#26 detectiveconan16   Delicious! CAGiversary!   7124 Posts   Joined 12.3 Years Ago  

detectiveconan16

Posted 14 March 2017 - 08:18 PM

A primer on how the ACHA: http://vitals.lifeha...care-1793258760

Basically unless you have the amazing ability to not get sick or maimed, you get screwed.



#27 UncleBob  

Posted 16 March 2017 - 12:27 AM

Hillary Clinton says nothing resembling universal health care could pass in today's political environment.

https://trofire.com/...sal-healthcare/

Sanders gets an entire room of Republican Trump supporters to cheer the idea on.

And this is what the Democratic Party Elite don't understand.

#28 Syntax Error   Art School Dropout CAGiversary!   10959 Posts   Joined 7.0 Years Ago  

Syntax Error

Posted 27 March 2017 - 01:55 PM

Hillary Clinton says nothing resembling universal health care could pass in today's political environment.

https://trofire.com/...sal-healthcare/

Sanders gets an entire room of Republican Trump supporters to cheer the idea on.

And this is what the Democratic Party Elite don't understand.

Uh, Clinton is right.  Until all those Republican Trump supporters start electing radically different Republicans to office, UHC doesn't have a prayer.  How many GOP congressmen advocating for UHC are in the 115th Congress freshman class?  Those are the guys the "Republican Trump supporters" sent to Washington.

 

If you got them all to send totally different GOP members (or Democrats) instead, it wouldn't be "today's political environment".  Clinton was accurate in her statement.



#29 UncleBob  

Posted 27 March 2017 - 04:06 PM

How do you turn an idea into reality? Telling everyone "naw, it won't work, plus keep giving private insurance carriers money." Or pushing the idea every chance you get?

#30 Syntax Error   Art School Dropout CAGiversary!   10959 Posts   Joined 7.0 Years Ago  

Syntax Error

Posted 27 March 2017 - 04:43 PM

Well, you don't do it by being blind to the current reality or by getting grumpy when someone points that reality out.  Clinton is absolutely, 100% correct: Under the current political climate, UHC is a non-starter.  That statement does not preclude changing the political climate or pushing the idea or whatever.  It's just a statement of fact that the current crop of people in Congress are never, ever going to put a UHC bill on the floor, much less pass it.

 

So, hey, the solution there is to get new people in Congress; hell, even getting more moderate Republicans who could approve of a UHC bill in office.  I didn't hear Clinton saying that shouldn't happen.  But, if it DID happen, it would represent a massive political shift from the past eight years of "Party of No" and "Obamacare is Socialized, Freedom-Stealing Monster Law" rhetoric and the Republicans who have been elected into office under than banner.

 

When West Virginia coal miners start sending Democrats or UHC-supporting Republicans to Washington then that will mean something.  Not some applause at a meeting.