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View Diary: Devil in the Details 2: AHIP took a left hook to the liver (41 comments)

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  •  This is exactly what's holding the cost down (2+ / 0-)
    Recommended by:
    sja, mrsgoo

    By having a mandatory limit that insurers have to pay out $0.80->$0.85 on every $1 they take in as premium- that's going to eliminate the waste that is now going into 'creative underwriting', advertising, profits, CEO's yacht, etc.

    Another measure to hold down the cost is, believe it or not- the tax on Cadillac plans. That plan is specially designed to tax extravagant plans out of existence. Extravagant plans are the plans that shield employees from the true cost of medicine, and encourages overuse of the medical system.

    There are some more measures that are designed to lower the costs for Medicare/ federal government. This is not a straightforward issue. The repubs actually have a cogent criticism- certain measures that help Medicare and the fedeal budget- actualy encourages cost shifting to private insurers.

    •  I so hope you're right. Our premium for next year (0+ / 0-)

      just went from 833 a month to 1400. F*** We just can't DO THAT! I guess in a way that's good 'coz if they do this to enough folks - the pitchforks and torches will come out I hope. Otherwise, we're just in business to profit the insurance companies 'coz we sure the hell ain't making any ourselves!

      "If this is true, why isn't it on Fox News by now?" Comment found on http://www.rr-bb.com/index.php Warning - This site will make your head explode.

      by mrsgoo on Tue Dec 22, 2009 at 10:20:31 PM PST

      [ Parent ]

      •  If I'm not mistaken, you should get subsidized (0+ / 0-)

        for premiums over 8% of your annual income.  Unless your income is over $140K per year you should see a reduction in premiums.

        Democrats are the sleeping giant.

        by GMFORD on Wed Dec 23, 2009 at 12:29:46 AM PST

        [ Parent ]

        •  Actually, I think we're screwed as we're small (1+ / 0-)
          Recommended by:
          GMFORD

          business owners. Ya know, we is all rich! LOL! For sure we'll be talking to the CPA about it. All I know for sure is that when they want 14K/yr for health insurance vs 9K to insure a 44 slip covered marina and 42 site RV park, something is very, very wrong.

          "If this is true, why isn't it on Fox News by now?" Comment found on http://www.rr-bb.com/index.php Warning - This site will make your head explode.

          by mrsgoo on Wed Dec 23, 2009 at 12:36:23 AM PST

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        •  Subsidies stop at 4X FPL (1+ / 0-)
          Recommended by:
          GMFORD

          which is about $88k for a family of 4. Beyond that you're on your own.

          The exchange theoretically should drive down the premiums for individuals. We shall see about that.

    •  No, this is a R talkg point. They have provisions (0+ / 0-)

      to decrease the costs to IC's.  First if all are covered, Hospitals don't have unpaid losses to compensate for out of private ins.

      There is more.

      The R argument is that Medicare could cut  payment to doctors to the bone, undercutting them and the hospitals would cost shift.

      It's bogus.

      We are in a time where it is risky NOT to change. Barack Obama 7-30-08

      by samddobermann on Thu Dec 24, 2009 at 04:14:55 AM PST

      [ Parent ]

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