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ACA Running Thread

I guess I consider myself lucky that there will be no increase through my company PPO plan with BCBSNC for 2017 at $317/mo with zero deductible for a single person.
 
knowell said:
$315 per month for 3 people for catastrophic health care = $105 per month per person = $1,260 per year per person. X 20 million people = 25 billion.

Conservative estimates are that ACA will cost at least 120 Billion per year to the tax payer. Likely that will be a fraction of the cost. That does not reflect the cost of all the individuals paying way more each month.
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Where is the other $95Bn going to?
 
CreamyGoodness said:
I was anticipating the increase but my agent hasn't told me yet. The marketing firm I work with offers full dental but no health. The damning thing is the President offered full, premium benefits to every employee until the ACA kicked in. It increased his AP by something yuge like 80%. Selfishly, I hope our legislators can figure something out to bring us back to the "good ole days" when health care didn't bend over small businesses.

On a side note, I've also been coming outta pocket for vision insurance, which is absolute bull shit. It's taken me 3 years to realize that I've gotten nothing out of my vision insurance.
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My agent has dropped health coverage entirely. BCBS used to pay a reasonable commission, then they cut it substantially, now they've cut it completely. 0% is the payout. So you get the pleasure of calling BCBS directly. As if paying more every month (premium) and every year (deductible) for worse coverage (yup) should mean we all also get zero service on your policy; the rare quadruple-screw. In this case, Thanks Obama.
 
knowell said:
$315 per month for 3 people for catastrophic health care = $105 per month per person = $1,260 per year per person. X 20 million people = 25 billion.

Conservative estimates are that ACA will cost at least 120 Billion per year to the tax payer. Likely that will be a fraction of the cost. That does not reflect the cost of all the individuals paying way more each month.
Click to expand...

kind of like Greece, where the finance minister calculated that for the cost of running the national railway system they could just give all the riders free taxi rides and come out ahead.

also kind of like our poverty programs which, if we just liquidated the whole system and turned it into cash, could pay every poor person in America enough to get them above the poverty line.

I am all for streamlining the government, getting rid of paternalistic, rentier-infested programs, and redistributing income from rich people straight to poor people for basic costs of living and health care. pretty sure that's not going to be the GOP party platform any time soon. Nor will it be on the Dem platform because they're afraid of being labeled "socialist" and also their public-employee union supporters won't stand for it. funny how ideology always gets in the way of simple solutions.
 
CreamyGoodness said:
I'm not going to sit here and say that Obamacare hasn't benefited a large number of people, but anyone who denies that it isn't absolutely sodomizing the middle class, isn't telling the truth.
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The whole middle class, or the middle class that works somewhere that doesn't offer insurance?
 
WakeandBake said:
The whole middle class, or the middle class that works somewhere that doesn't offer insurance?
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I'm not saying the middle class as a whole, no. I'd argue that the vast majority of american workers that are classified within the middle class have taken a financial hit over the last decade due to health care costs.

I gave my situation as an example. We can pull pro ACA articles and anti ACA articles off the internet. To me, there's nothing more real than actual, real life examples of how the ACA has benefited or hurt an employee.
 
To follow that up, my first job out of school offered full benefits and this was in 2011. The company I work for now is a very small business of 10 employees and is unable to, but I make more money here. Just had to weigh my opportunity cost.
 
CreamyGoodness said:
I'm not saying the middle class as a whole, no. I'd argue that the vast majority of american workers that are classified within the middle class have taken a financial hit over the last decade due to health care costs.

I gave my situation as an example. We can pull pro ACA articles and anti ACA articles off the internet. To me, there's nothing more real than actual, real life examples of how the ACA has benefited or hurt an employee.
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I am covering a family of five for $1,135.00 per month in premium for a high deductible policy with an annual deduction of $6,850.00.

$20,470.00 per year. Woof.
 
jhmd2000 said:
I am covering a family of five for $1,135.00 per month in premium for a high deductible policy with an annual deduction of $6,850.00.

$20,470.00 per year. Woof.
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I think you mean after that your insurance company pays 100%. That's roughly $4000 a year per person on the plan which is $333 total dollars a month per person after meeting deductibles. correct?
 
WakeandBake said:
I think you mean after that your insurance company pays 100%. That's roughly $4000 a year per person on the plan which is $333 total dollars a month per person after meeting deductibles. correct?
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$341.17 per month per person before the insurance company takes over.
 
jhmd2000 said:
My agent has dropped health coverage entirely. BCBS used to pay a reasonable commission, then they cut it substantially, now they've cut it completely. 0% is the payout. So you get the pleasure of calling BCBS directly. As if paying more every month (premium) and every year (deductible) for worse coverage (yup) should mean we all also get zero service on your policy; the rare quadruple-screw. In this case, Thanks Obama.
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In NC, BCBS still pays commissions for sales during the AEP and any sale made prior to April. Your agent is likely still getting paid for your account. And Im pretty sure you can get good service by calling BCBSNC directly. There are 1600 customer service professionals waiting for your call.
 
CreamyGoodness said:
This is pretty much where I'm at too. I did the Blue Silver plan for 2 years before dropping back to a catastrophic plan last year. I'm paying roughly $160 a month for minimal coverage. Granted, this plan allows for 3 Doc visits w/ $35 copay but no prescription coverage.
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Im 99% sure your plan has Rx coverage. Its covered under the medical deductible but it is actually covered, and you do get access to the lower rates before you hit the deductible. This plan design is actually mandated by CMS and is standard across the board.

Im a fan of these. Dont pay for financing of care. Pay for unexpected costs....
 
Wrangor said:
Just reviewed some employees health care plans today. First one I saw jumped from $330/month to $814/month. Second one went from $315/month to $750/month.

I think pretty much all our employees are going to drop their coverage and just pay the fine. $10,000 a year for healthcare is ridiculous for pretty much anyone making less than $50,0000/year, and even if you are making over that it is going to be a stretch. This thing is going to get ugly before it gets better. Republicans are going to help fix a system of healthcare that they predicted would fail, and then predictably it did fail. They are going to to settle for nothing less than eliminating Obamacare and starting something new. The worse it gets, the better it is politically for them, so the leverage is all on their side. Will be interesting to see if Hillary breaks or if she rides out the storm and tries to turn around the spin. If she tries that to save Obamacare I think it haunts her entire presidency (however long that is).
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I think they have options...

If they pay more than 9.66% of household income in 2016 for coverage, after the employer’s contribution, then those members can get an exemption and use the marketplace.
 
CHDeac said:
I think they have options...

If they pay more than 9.66% of household income in 2016 for coverage, after the employer’s contribution, then those members can get an exemption and use the marketplace.
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I think he means he was reviewing their individual plans, probably based on the letters sent out this week. The group rates didn't go up that much, and the individual estimates in those letters were off as they have been in the past.
 
CHDeac said:
In NC, BCBS still pays commissions for sales during the AEP and any sale made prior to April. Your agent is likely still getting paid for your account. And Im pretty sure you can get good service by calling BCBSNC directly. There are 1600 customer service professionals waiting for your call.
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I don't know what the AEP is. We tried to buy polices for a new employee and he said he got out when it was cut to 0%.
Department of Insurance fined BCBS $3.5M for customer service issues in September 2016. LINK on wral (posting from phone).
 
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