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View Diary: The ACA "train wreck" with my healthcare insurance (202 comments)

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  •  I think your consultants are right (1+ / 0-)
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    but missing the big point. The ONLY way ins cos can make more profit after ACA implementation is to get more customers. They are limited to using "only" 20% of premium dollars on admin costs. So if their expenditures previously were say 65% payments for providers and tests and 35% admin and profit, they will be scrambling to increase the premium money coming in so that the money that accounts for that 35% is the same number now that they are limited to 20%.

    •  They are still cheating. Word is they won't hire (0+ / 0-)

      enough health workers on their plans, so many people will face practices filled up and waiting. Jam it up. The premiums will still be paid while the care isn't provided. The other trick is private health exchanges with supposedly lower rates but less benefits than the govt. exchange. Such plans could be good shopping for healthier people, and essentially they still inside the vast system for cost reduction, but they can mislead people and end up having folks get a lot less benefits, so the govt. exchanges are a better $ value for the money.

      •  One tactic is narrow networks (1+ / 0-)
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        I know - I work for a major insurance carrier. You can sign up for lower rates, but you won't have the same access to providers or hospitals.  That's the deal.  I don't think it's that bad -- better to have insurance than not have it. But providers and hospitals that cater to sicker populations are likely to get excluded from exchange networks.

        The civil rights, gay rights and women's movements, designed to allow others to reach for power previously grasped only by white men, have made a real difference, and the outlines of 21st century America have emerged. -- Paul West of LA Times

        by LiberalLady on Thu Sep 26, 2013 at 10:17:03 PM PDT

        [ Parent ]

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