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View Diary: Obamacare is working: Uninsured rate drops (120 comments)

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  •  medicaid and exchange plans both grew (1+ / 0-)
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    smartdemmg

    "It is difficult to get a man to understand something, when his salary depends upon his not understanding it!" — Upton Sinclair

    by Greg Dworkin on Mon Mar 10, 2014 at 08:19:49 AM PDT

    [ Parent ]

    •  I guess i could work back to the (0+ / 0-)

      82-85% number from them. But that does suggest that it's the medicaid expansion rather than the employers who are the source. That could be from the mandate delays.

      Be better if the employer number were increasing.

    •  One thing to keep in mind -- most of those (0+ / 0-)

      exchange plans are the relatively crappy bronze and silver plans.  

      "Pre-exchange" standard insurance usually paid on an 80-20 basis, but bronze is 60-40 and silver is 70-30."

      That, I guess, is the payback for not capping lifetime benefits and capping total out-of-pocket at somewhat reasonable levels.  The downside is that it creates more of a disincentive to seek help when you are below the cap.

      LG: You know what? You got spunk. MR: Well, Yes... LG: I hate spunk!

      by dinotrac on Mon Mar 10, 2014 at 08:45:12 AM PDT

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      •  here's what people select (4+ / 0-)
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        dinotrac, askew, smartdemmg, Dvalkure
        In general, the "Silver" plans have proved most popular among those still shopping around, those interviewed agreed.

        In exchange for higher premiums, each successive plan in general reduces the health costs for which the consumer is responsible.

        A bronze plan has a 60-40 percent split, 60 percent of costs the insurance company's responsibility, 40 percent the consumer's. A silver plan is akin to a 70-30 split, McCoy said, while a gold is 80-20.

        But those numbers are a little bit misleading, McCoy said, because many people are going to qualify for subsidies that can help absorb costs.

        Bronze is crappy, silver no so much. Also, the general trend nationwide  is more costs to insurees.

        http://insurancenewsnet.com/...

        "It is difficult to get a man to understand something, when his salary depends upon his not understanding it!" — Upton Sinclair

        by Greg Dworkin on Mon Mar 10, 2014 at 09:02:05 AM PDT

        [ Parent ]

        •  Numbers a bit misleading? Ummm...no. (0+ / 0-)

          Regardless of whether you are subsidized or not, the plan you choose is the plan you choose.

          We chose silver for our plan, and applied a subsidy to it.
          We chose silver for our daughter's plan, and received not subsidy.

          Hard to see the difference -- other than end-user price, of course.

          LG: You know what? You got spunk. MR: Well, Yes... LG: I hate spunk!

          by dinotrac on Mon Mar 10, 2014 at 09:13:53 AM PDT

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          •  Well, since the (3+ / 0-)
            Recommended by:
            dinotrac, chaboard, Dvalkure

            end-user price is what kept a lot of us from having insurance at all, that's a pretty big part of the picture. It's all well and good to wish 80-20 coverage for everyone but that was unaffordable pre-ACA for many.

            •  Different question. (0+ / 0-)

              The fact of subsidies is not irrelevant to the discussion, but has nothing to do with whether the reported numbers are in some way misleading.

              LG: You know what? You got spunk. MR: Well, Yes... LG: I hate spunk!

              by dinotrac on Mon Mar 10, 2014 at 09:37:20 AM PDT

              [ Parent ]

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