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View Diary: Your health plan changing? Employers, insurers largely to blame (100 comments)

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  •  Just to Be Clear... (1+ / 0-)
    Recommended by:
    chantedor

    ...I'm not suggesting that the ACA is playing NO role in the cancellation letters and price hikes that some in the individual market are receiving.  That's why I used to the term "largely to blame" in the title.  It's also why the diary included sentences such as:

    But while Obamacare's new protections are one factor behind the repricing or elimination of some customers' existing policies, there are others.

    But even with lower profit margins, some insurers doubtless could have continued to offer their existing policies to current customers outside the exchanges.  That some are dramatically increasing premiums suggests their goal is to shed low-profit customers, rather than keep them.  As for those whose catastrophic coverage plans are being discontinued, some insurers could have offered new bronze packages, but chose not to.

    As far as employers go, the data to date (no surge in part-time employment, dramatic slowdown in the rate of increase of health care costs, years of slashing benefits already) suggests the ACA is not (or at least not yet, having an impact.

    •  Objectively false=falsehood=lie (2+ / 0-)
      Recommended by:
      Mr Robert, britzklieg

      Rarely have I seen such unmitigated, double-talking spin. But perhaps this diary is an audition to replace Jay Carney?

      For me, our insurance broker told us the other day that our small company NY health plan will probably have a 20% increase in January, while my sister has been told that her private NJ plan will likely see a 40% (!) increase. I'd check on possible exchange options, but, $600+M later...

      So please, tell me why I was looking forward to the advent of the ACA?

      •  healthcare.gov (1+ / 0-)
        Recommended by:
        htowngenie
        I'd check on possible exchange options, but, $600+M later...
        This is so painful.  I assume you're referencing the cost of the federal healthcare.gov site and you don't realize that NY is one of the states that's running its own site.

        https://nystateofhealth.ny.gov/...

      •  Speaking Subjectively as a Focus Group of One... (1+ / 0-)
        Recommended by:
        DeeDee001

        ...I can attest that my premiums for the same plan have more than doubled since 2006.  In 2014, my new plan will cost a little less.

        Of course, my single example has nothing to do with your business or your sister.  Or anyone else for that matter.

        My point? The increases you describe may or may not be attributable to the ACA.  You may have faced higher premiums regardless. Maybe not.

        As for why you looked forward to the ACA, perhaps it was the subsidies for small businesses that might apply.

      •  So you admit you haven't even looked (1+ / 0-)
        Recommended by:
        htowngenie

        at the exchanges, while bashing them.

        Hmmm, what does that remind me of?
        But you haven't even tried carrots.
        NONO NO Daddy I don't LIKE carrots NONO

        "What could BPossibly go wrong??" -RLMiller "God is just pretend." - eru

        by nosleep4u on Fri Oct 25, 2013 at 05:51:10 AM PDT

        [ Parent ]

        •  Another rush to judgment (1+ / 0-)
          Recommended by:
          britzklieg

          I have indeed looked on the NYS exchange. Options suck and so near as I can tell I can pay virtually the same price I now pay for somewhat more restricted coverage. So far as I am concerned, the ACA is turning out to be a greatly oversold bill of goods sitting atop a stinking pile of warm...rhetoric.

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