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President Obama spoke Thursday morning on the savings many Americans are seeing as rebates for their health insurance premiums, but also about new information released today by the Department of Health and Human Services showing competitive premium rates in the new health insurance exchanges. Here's what he had to say.
"[I]n states that are working hard to make sure this law delivers for their people, what we're seeing is that consumers are getting a hint of how much money they're potentially going to save because of this law. In states like California, Oregon, Washington, new competition, new choices, market forces are pushing costs down.
Just yesterday, state officials in New York announced that average premiums for consumers who buy insurance in their new marketplace will be at least 50 percent lower next year than they are today. Think about that—50 percent lower. [...]

So if you already buy insurance on the individual market, meaning that you don’t get insurance through a big group plan through your employer, that could mean thousands of dollars a year that can go towards paying a mortgage, or putting a kid through college, or saving for retirement.  And what this means is that hundreds of thousands of New Yorkers who don’t have insurance will finally be able to afford it -- because these exchanges, this big pool is going to reduce the cost, and you may qualify for health care tax credits; middle-class families will potentially qualify for these credits that will bring the cost down even more.

The new report shows that so far, proposed premiums in the health insurance exchanges are coming in lower than expected in HHS's and CBO's projections. So far, data is available for 11 states, and in those state the lowest cost "silver" plan, essentially the median plan, is 18 percent cheaper than HHS predicted. That cost is averaged at $321 for that plan, compared with a current cost of $450 a month for comparable plans. For many, $321 is still going to be a stretch, but that's the cost before the federal tax subsidy is applied. Individuals making about $15,000 to $45,000 and families up to about $94,000 for a family of four, will have that cost offset by the tax subsidy.

The bottom line: It appears that the "rate shock" critics of Obamacare have been counting on to give them ammunition isn't going to materialize for people who are purchasing their insurance through the exchanges.

Originally posted to Joan McCarter on Thu Jul 18, 2013 at 11:30 AM PDT.

Also republished by Daily Kos.

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Comment Preferences

  •  May this be tea leaf that breaks the camel's back (29+ / 0-)

    How about another 15 months of such news leading up the the 2014 mid-terms?

    Buh-bye Boehner.

    Toodle-ooo Turtleman.

    •  May I ask an honest question? (5+ / 0-)
      Recommended by:
      karmsy, tegrat, Aunt Pat, Odysseus, Dburn

      If the health care law is so outstanding, why are parts of it being pushed back?

      I am not trying to stoke a fire here...I am genuinely interested in the answer to this question. I am required to go out and buy insurance, yet my employer (as i was just notified yesterday) is now not being required to provide the insurance until 2015.

      Anyone who can chime in with insight would be very much appreciated.

      Adequate health care should be a LEGAL RIGHT in the U.S without begging or bankruptcy. Until it is, we should not dare call our society civilized.

      by Love Me Slender on Thu Jul 18, 2013 at 12:24:30 PM PDT

      [ Parent ]

      •  idiotic attempts to assuage critics of the law (2+ / 0-)
        Recommended by:
        karmsy, Odysseus

        long after it has become obvious that said critics are ideologically opposed to the idea of universal healthcare of any kind, and are implacable.

        goes back to obama's temperment and political worldview, IMO. a fatal flaw in this particular political era, but whatcha gonna do?

        •  What will I do? Pay the fine... (4+ / 0-)
          Recommended by:
          karmsy, footNmouth, Quicklund, Dburn

          I simply cannot afford the insurance next year.

          Adequate health care should be a LEGAL RIGHT in the U.S without begging or bankruptcy. Until it is, we should not dare call our society civilized.

          by Love Me Slender on Thu Jul 18, 2013 at 12:40:21 PM PDT

          [ Parent ]

        •  It's the least important part. (7+ / 0-)

          What's being pushed back is the penalty for businesses that fail to provide affordable insurance to their employees who qualify for subsidies on insurance. As I learn more about the law, that's actually a good thing, since what's considered affordable through a job is more than what the exchange plans will cost with the subsidy -- especially in the lower income tiers, where insurance is essentially free.

          •  It's not a good thing (1+ / 0-)
            Recommended by:
            Dburn

            Many people now receiving employer paid health insurance will probably lose it, thanks to the postponement.  Even employers who offer good insurance will be looking for any way to boost the bottom line by dumping their health plans, making employees buy it on their own.

            It's a huge cash windfall for companies.

            "If you can't take their money, eat their food, drink their booze and then vote against them, you have no business being in DC."

            by Betty Pinson on Thu Jul 18, 2013 at 04:44:57 PM PDT

            [ Parent ]

            •  Insurance should not be tied to employment. (3+ / 0-)
              Recommended by:
              Dburn, virginislandsguy, sethtriggs
              Many people now receiving employer paid health insurance will probably lose it, thanks to the postponement.
              There is no reason whatsoever to have employers as middlemen for insurance.  Do you have any actual support for an argument that the best outcome is being achieved via a terrible method?

              -7.75 -4.67

              "Freedom's just another word for nothing left to lose."

              There are no Christians in foxholes.

              by Odysseus on Thu Jul 18, 2013 at 05:32:01 PM PDT

              [ Parent ]

        •  Can restate this so your meaning is clear? (0+ / 0-)
          •  it seemed clear enough to me (0+ / 0-)

            the reason why the admin delayed implementation was in hopes that removing a part of obamacare that opponents disliked would make said opponents stop opposing obamacare in full.

            which is idiotic IMO because said opponents are implacably opposed to universal or even expanded access to health care or health insurance in its entirety, and cannot be assuaged by partial concessions. if obama gives an inch, they'll take it and then demand more. there's no political point to conceding anything to them, they're not persuadable.

            but i believe that obama does this because his very temperment and political worldview is predicated upon conceding contested elements of policy in the (misguided) expectation that said concessions will inspire opponents to make concessions of their own, and compromise legislation will theoretically move forward, buoyed by the (long-extinct) spirit of pragmatic bipartisanship.

            i reject the idea that there is any legitimate reason to delay any aspect of obamacare,. the whole discussion of this delay is entirely political in nature, and rooted in flawed readings of the political field, his political opponents, and the electorate, IMO.

      •  Half the employers are ready to comply (11+ / 0-)
        Employers simply were not ready.

        The Affordable Care Act, signed into law by President Obama three years ago, required employers with more than 50 full-time workers to provide health benefits or face penalties, beginning next year.  An mandate that individuals buy health insurance or face a penalty is still on schedule and effects many more people.

        “Complying with the (Affordable Care Act) is an enormously complex task for many employers,” said J.D. Piro head of employee benefits consultancy Aon AON -0.06% Hewitt’s (AON) health legal practice, in a statement to Forbes.

        “In our recent research, more than half of large and mid-size employers said that complying with government regulations such as health care reform was one of the most significant challenges facing their organizations,” Piro said, referring to Aon Hewitt’s database of nearly 800 large to mid-sized U.S. employers that provide benefits to more than seven million people.

        The uncertainty and unease of employers came even despite efforts by the Obama administration to ease concerns. Therefore, another year to prepare will go a long way.

        “Even with the guidance already issued by the IRS, employers still had a lot of questions, particularly around the reporting requirements for 2014,” Piro said. “This postponement will give employers more time to understand the rules and implement these changes effectively within their organizations.”

        http://www.forbes.com/...

        Failure to comply could result in significant fees per employee, so it behooves employers and the administration to get it right so that implementation is a success.

        "I am not interested in picking up crumbs of compassion thrown from the table of someone who considers himself my master. I want the full menu of rights." (From "You Said a Mouthful" by Bishop Desmond Tutu - South African bishop & activist, b.1931)

        by FiredUpInCA on Thu Jul 18, 2013 at 12:43:13 PM PDT

        [ Parent ]

        •  They're ready, they had 3 years (1+ / 0-)
          Recommended by:
          Odysseus

          They just don't want to do it.

          If Dem leaders were smart, they would just enroll everyone in the national exchange plan, give them all subsidies and call it single payer.

          But Dem leaders aren't all smart, nor are they honest.  

          "If you can't take their money, eat their food, drink their booze and then vote against them, you have no business being in DC."

          by Betty Pinson on Thu Jul 18, 2013 at 04:46:43 PM PDT

          [ Parent ]

          •  It's an interesting fantasy (3+ / 0-)

            But - believe it or not - the executive needs Congressional action before it can institute a program like that.

            Back in 2001 or 2002 Bush tried to implement a voluntary prescription drug for Medicare recipients plan by executive order. It was to be essentially a voluntary club that would negotiate with prescription drug suppliers and save money for the Medicare recipients.

            It lasted about six months before the courts shot it down. Bush did not have the required Congressional authorization. That's why Congress then had to pass the Part D of Medicare (with Medicare Advantage) which now is in effect

            Dems enrolling everyone in the national exchange plan would run into the same legal problems.

            The US Supreme Court has by its actions and rhetoric has ceased to be legitimate. Whiskey Tango Foxtrot - over

            by Rick B on Thu Jul 18, 2013 at 08:40:08 PM PDT

            [ Parent ]

      •  the party line is that the employer mandate (0+ / 0-)

        was too complex to implement, both on government and business side. The outcome will be more people in the exchanges subsidized by the government and employers keeping more money that would otherwise go towards a health care benefit.

        •  Very true, much cost shifting from employers (0+ / 0-)

          to the government, which could end up making the ACA too expensive.

          "If you can't take their money, eat their food, drink their booze and then vote against them, you have no business being in DC."

          by Betty Pinson on Thu Jul 18, 2013 at 04:56:41 PM PDT

          [ Parent ]

      •  Because complicated projects take time to complete (4+ / 0-)

        Because good implimentations of good ideas take time to complete.

        Because when massive changes are brought to matters applicable to every single citizen, people should be allowed time to react to and plan for such large change.

        Because when you see a major change rammed through in the shortest possible time, you are watching Gov Scott Walker and the WI GOP screwing Wisconsin residents up the ass with fish hooks for lube.

        Because your question is worded to suggest the ACA is not a beneficial plan, so much so that I am not at all certain your disclaimer is sincere.

        I am not trying to stoke a fire here.
      •  I provide health insurance (82% of the cost) (8+ / 0-)

        for 18 employees and supplement my Mom and Grandma. It wasn't mandated that I do so, however it was and will be [next year or any other year] good for business. Healthy employees with good security fulfill contracts with little or no drama. Most people get their health insurance thru their employer because [I have to believe] those employers have made the same assessment. I've noticed that mandate on businesses seems to troubles employers that don't expect to have employees long term.

      •  Because the group plans for corporations have (1+ / 0-)
        Recommended by:
        Rick B

        not advanced far enough for most companies to be able to buy them by October.

        And because small businesses are effective in bitching.

        And because businesses don't go to hospital.  You do.  Buy a  minimal plan this year and when your employer offers a better plan with shared cost, take it and smile.

        We will never be free from fear as long as we fear the NRA.

        by captainlaser on Thu Jul 18, 2013 at 04:22:06 PM PDT

        [ Parent ]

      •  Very good question (0+ / 0-)

        Rolling back the date for the employer mandate weakens Obama and Dems strategy for making ACA work.

        The GOP is now attacking the individual mandate and, with the help of 22 Dems, passed a bill in the House yesterday rolling it back.

        Without the individual mandate - all these nice state exchange premium rates will skyrocket - they're based on big increases in enrollment by people who otherwise wouldn't buy insurance.

        The employer mandate rollback was a huge tactical error on Obama's part.  There was no good reason for him to do it.

        "If you can't take their money, eat their food, drink their booze and then vote against them, you have no business being in DC."

        by Betty Pinson on Thu Jul 18, 2013 at 04:36:52 PM PDT

        [ Parent ]

        •  Not really (1+ / 0-)
          Recommended by:
          sethtriggs
          "Rolling back the date for the employer mandate weakens Obama and Dems strategy for making ACA work."
          Not true. Getting the program done right will make the program  a lot more difficult to demagogue. The minor delay will strengthen the ACA a great deal. Idiots parroting the overblown predictions of disaster rather clearly have no clue what they are talking about - or they are paid propagandists trying to tear down the current government so they can replace it and steal the taxpayers blind.

          Implementing a program requires predicting a time line and then trying to meet that time line. In this case the interactions between all the various parties made the time line inaccurate, so when that became clear it was necessary to reset it based on the much more complete information.

          The ACA is not an F35 program, and the ACA is a whole lot more important than an Air Force toy. There is already too much set into place to cancel the ACA.

          If the Republicans were to seriously try to cancel ACA they aren't smart enough to succeed in repeal.  They have demonstrated no competence in governance at all.

          If you think implementing a program this complicated is difficult (and it is) then imagine trying to just shut it down and reacting to all the people already getting benefits, planning to, or the medical personnel working in organizations like Accountable Care Organizations which have already been set up to implement the ACA. The media would never be able to resist reporting on the massive disasters that would ensue.

          The US Supreme Court has by its actions and rhetoric has ceased to be legitimate. Whiskey Tango Foxtrot - over

          by Rick B on Thu Jul 18, 2013 at 09:06:10 PM PDT

          [ Parent ]

    •  I'm not so optimistic. . . (3+ / 0-)
      Recommended by:
      Quicklund, Rick B, sethtriggs

      Please show me a news story that says, in simple terms, that Obamacare is working.

      It is in fact working, but our media have repeated proven incapable of reporting simple facts that the American public should be aware of.

      TS

      twitter: @Timeslayer_

      by Timeslayer on Thu Jul 18, 2013 at 03:50:10 PM PDT

      [ Parent ]

      •  News media is not the key (2+ / 0-)
        Recommended by:
        Odysseus, sethtriggs

        End-of-month bill-paying communicates much more forcefully. Month after month after month. Eventually, people start to catch on.

        For people who never previously saw a doctor outside an emergency room, the learning curve will be steeper.

        •  Well I was responding to your comment. . . (1+ / 0-)
          Recommended by:
          Quicklund

          about "news". So I guess we've changed topics to some degree at least.

          But I hope you're right. It certainly didn't work that way with middle class tax cuts tho. A large proportion of people who actually got federal tax cuts thought that their federal taxes had gone up.

          TS

          twitter: @Timeslayer_

          by Timeslayer on Thu Jul 18, 2013 at 05:13:52 PM PDT

          [ Parent ]

          •  Fair enough (2+ / 0-)
            Recommended by:
            Timeslayer, sethtriggs

            I can see how that led to confusion. So to clarify my original meaning I guess I'd say "news" does arrive through other media than just the mass media.

            But I could have written with more clarity had I answered you comment with the entire thread open before me. I answered when I opened your reply off my comments page. It is easy to forget exact wording used upthread.

          •  PS: The tax cuts (2+ / 0-)
            Recommended by:
            Timeslayer, sethtriggs
            It certainly didn't work that way with middle class tax cuts tho. A large proportion of people who actually got federal tax cuts thought that their federal taxes had gone up.
            Very true that. But my hunch is that bills-payers are going to be harder to bamboozle on this issue than with taxes.  Taxes are always taken off the payroll but what portion? Percentages are hard. But $1,000/moth is greater than $400/month? That sort of math is easy, and a reminder comes every 30 days.

            Anyway, I join you in hoping this does indeed come to pass.

      •  It is not even started yet. How can it be working (1+ / 0-)
        Recommended by:
        freakofsociety

        when the exchanges don't open until October.?

        We will never be free from fear as long as we fear the NRA.

        by captainlaser on Thu Jul 18, 2013 at 04:25:55 PM PDT

        [ Parent ]

        •  Some of the provisions have started. . . (0+ / 0-)

          I'm thinking of young adults being able to stay on parents' plans, free preventive care, no denial of coverage to people with pre-existing conditions. I'm not totally sure that all these have taken effect, so please correct me if I'm wrong.

          You're right that the exchanges haven't begun yet; I'm counting the anticipated savings from that tho, as in New York, when I say "working." I don't think those estimates of cheaper plans will turn out being substantially off the mark.

          TS

          twitter: @Timeslayer_

          by Timeslayer on Thu Jul 18, 2013 at 05:18:14 PM PDT

          [ Parent ]

      •  Most benefits haven't become effective (1+ / 0-)
        Recommended by:
        freakofsociety

        We have to hope they won't be bargained away or postponed.

        "If you can't take their money, eat their food, drink their booze and then vote against them, you have no business being in DC."

        by Betty Pinson on Thu Jul 18, 2013 at 04:58:27 PM PDT

        [ Parent ]

    •  Yeah, With news like the rates for those (0+ / 0-)

      that are self-employed, it's no wonder that only the rates for those employed are being bandied about. Health Insurance for the self employed or lets call it the freelancer sector of the economy since liberals hate small business has never cost more and done so little for so many.

      Lets not also look at the millions who can't get any insurance because they are in the wrong state. At least not look at it as some sort of insider-smile-political-advantage.

      The fact is there will still be 10s of thousands of people dying each year prematurely because this law does nothing for them at all.

      This isn't a win. It should be quietly back pedaled or people really will get pissed. Lets also refrain from using mindless statistics as an argument. Sure a hundred thousand dead in a year is statistical noise , except to the people who have to live with them and care for them as they die ignored by this "terrific new plan" that "yeah sure, it's not everything we wanted but we'll make fixes a long the way" (2010).

      “ Success has a great tendency to conceal and throw a veil over the evil of men. ” — Demosthenes

      by Dburn on Thu Jul 18, 2013 at 07:40:08 PM PDT

      [ Parent ]

  •  Republicans keep demanding... (6+ / 0-)

    More & more votes to repeal Obamacare. I wonder why. What could possibly be so horrible about it?

    (Maybe that it's working & they're being proven wrong...)

  •  Well, I know that here in Michigan, my wife and I (6+ / 0-)

    ...are paying $800/month to BCBSM for 2 adults and our 7-year old son. That gets us 70% coverage.

    And BCBSM is supposedly a not-for-profit, "regulated" organization.

    What am I missing here (or getting) with these $450 plans?

  •  Pop Goes the (W)easel (2+ / 0-)
    Recommended by:
    karmsy, freakofsociety

    Rove was double talking in triplicate over this.

    Play that funky music Whiteboard......

    I want 1 less Tiny Coffin, Why Don't You? Support The President's Gun Violence Plan.

    by JML9999 on Thu Jul 18, 2013 at 11:57:49 AM PDT

  •  There is a rate shock... (8+ / 0-)

    ...just not in the direction they were hoping.

    A lower rate shock is still a shock...just a pleasant one.

  •  The oligopoly of the HMOs is being shaken up (16+ / 0-)

    I am very happy so many will benefit.

    Obamacare is better than I imagined given that it was conceived in an extremely polarized and dysfunctional DC.

    It's a good first step towards the final destination; Single Payer.

    Here in California we can go all the way and we will. We are not in DC.

    Daily Kos an oasis of truth. Truth that leads to action.

    by Shockwave on Thu Jul 18, 2013 at 12:06:48 PM PDT

    •  Amen to that. n/t (1+ / 0-)
      Recommended by:
      Shockwave

      The most violent element in society is ignorance.

      by Mr MadAsHell on Thu Jul 18, 2013 at 04:20:52 PM PDT

      [ Parent ]

    •  The ACA will drive costs down (1+ / 0-)
      Recommended by:
      sethtriggs

      by making them visible and comparable across companies through transparent markets. Right now each company is its own little secret monopoly with no real motivation to do more than charge the insured more and pass the costs on.

      I've been giving it 30 years to cause a realization that the best system is single payer, but the experience setting up the exchanges in California and New York suggest that I have been much to pessimistic.

      When the danger of not getting paid for services rendered is removed and the insurance companies have to sell on transparent exchanges where their benefits are standardized (and can be compared) along the the costs the overall system will sweep out a lot of waste and theft. The thieves, insurance nvestors  and executives hate that. That is the source of all the propaganda, scare stories and lies.

      I'm waiting to see what happens in the Republican dominated mostly southern states when the public realizes the rest of the nation is getting reasonable cost high quality health care and they aren't. The Republican liars (Perry, Jindal, Scott, Walker, etc.) will get what they deserve.

      That's already dawining on the more intelligent and younger politicians. All they can do now is double down on the lies and propaganda and hope to mess things up so their own fingerprint are hidden.

      The US Supreme Court has by its actions and rhetoric has ceased to be legitimate. Whiskey Tango Foxtrot - over

      by Rick B on Thu Jul 18, 2013 at 09:23:58 PM PDT

      [ Parent ]

  •  Given how Red States and Blue State with GOP Gov's (7+ / 0-)

    are in sabotage mode, it will be very key to be able to point to big states with governments who are working with the Federal Government for seamless roll out to counter-point all the doom and gloom the GO will be pushing pointing to how Obamacare isn't working in Mississippi or Virginia.  

    Dems need to start subtly pushing the sabotage Obamacare frame, because it is what the GOP is trying to do now - Red States, and purple/blue states with Repub Governors are purposefully trying to muck up the roll out for political reasons.  

    If you're not talking about what billionaire hedgefund bankster Peter G. Peterson is up to you're having the wrong conversations.

    by Jacoby Jonze on Thu Jul 18, 2013 at 12:16:37 PM PDT

  •  They said that in New York, the premiums (0+ / 0-)

    were something like at least 20% cheaper than before.

    Not mine.  Mine went up 20% and it's through the Federal government.


    The religious fanatics didn't buy the republican party because it was virtuous, they bought it because it was for sale

    by nupstateny on Thu Jul 18, 2013 at 12:44:37 PM PDT

    •  The program doesn't start until 2014 (0+ / 0-)

      So any rate increases now don't count. They said it's because they have to cover health young people up to 26. I don't believe that. I think I went to the Doctor before I went to college and none until after I came home. So saying that the increased costs are for sick college kids is bogus

  •  Sheesh, what a debacle. (1+ / 0-)
    Recommended by:
    Fonsia

    For the Republicans.

    Looks like their stupid anti-Obamacare hysteria, more and more, is coming to naught.

    It's here they got the range/ and the machinery for change/ and it's here they got the spiritual thirst. --Leonard Cohen

    by karmsy on Thu Jul 18, 2013 at 12:53:08 PM PDT

  •  Concerning lack of Medicaid expansion... (4+ / 0-)

    I'm wondering if anyone can answer this for me:

    I'm in PA, and it's still up in the air, as far as I know. I'm self-employed. If I sign up for the exchanges in October, they are going to base my subsidy on my 2012 adjusted gross income, which is below the poverty line, and therefore I won't get any assistance. I know for a fact that my 2013 income will be above that line (I had a decent spring). Can I apply in January 2014 using my completed 2013 tax return?

    Anybody have a clue? All responses are much appreciated.

    curious portal - to a world of paintings, lyric-poems, art writing, and graphic and web design

    by asterkitty on Thu Jul 18, 2013 at 01:00:24 PM PDT

    •  It's a black hole. (0+ / 0-)

      Folks making little enough income to afford Medicaid won't be eligible for subsidies and (though this is controversial) won't be able to participate in the exchanges.  The law assumed Medicaid would be expanded everywhere, and had no provisions in it for refusenik states.

      The two options, as far as I can see, is to move to a non-refusenik state, or go naked.  And it will be so until the governments of refusenik states are replaced.

  •  Boehner reaction must be: Have another ACA repeal (0+ / 0-)

    vote! Oh, and this proves it's a conspiracy.

    "They will not collect a ransom in exchange for not crashing the American economy. The full faith and credit of the United States of America is not a bargaining chip."

    by TofG on Thu Jul 18, 2013 at 04:04:06 PM PDT

  •  The Geico Effect? (0+ / 0-)

    Every insurance company offers 1st year rates that are low and then then they jack up the rates the 2nd or 3rd year. Is the Geico Effect ("switch to us and save $583 compared to our competitor") occurring here or are these sustainable rates?

  •  I know that no one will (0+ / 0-)

    appreciate what I have to say, but the subsidies to buy the insurance is coming from cuts to Medicare (or I believe).  People on Medicare are now not being seen by specialists and some doctors are dumping Medicare patients.  All that happened is the money got shuffled around, but there are others that are paying the price for those subsidies.  This is neither Democratic or Republican.  I know I'll take a beating for saying this, but it is true, while prices are coming down that is good, I agree, but some are going to pay for this with very limited healthcare.  It has already happened with the mental health field, then Medicaid patients, the poor, and now they are coming for Medicare.  God help us were are going to need it.

    "During times of universal deceit, telling the truth becomes a revolution­ary act. " George Orwell

    by zaka1 on Thu Jul 18, 2013 at 04:16:29 PM PDT

  •  When will the American people connect that (1+ / 0-)
    Recommended by:
    freakofsociety

    only one Party is guaranteeing their right to health care?

    Can people in red states be that disinterested in their health?  Wait until their neighbors start buying the federal exchanges.

    We will never be free from fear as long as we fear the NRA.

    by captainlaser on Thu Jul 18, 2013 at 04:19:10 PM PDT

  •  Does anyone know how . . . (1+ / 0-)
    Recommended by:
    Odysseus

       veterans currently covered by the VA are going to be treated under ACA?

  •  Careful (0+ / 0-)

    New York, Washington, CA, all have some form of pre-existing condition laws.  As a result, private insurance in these states, especially NY, has practically disappeared.  Healthy young people in these states don't want to pay for insurance they don't need and individual insurance is left to the old and sick that can afford it-darn few.  Not that I approve.

    Obama care helps the high cost states that now have almost no individual insurance market since it brings in much needed young healthy people through the subsidy built into ACA.

    Many states will not fit this model and rates will go up.

    The key thing no one knows is can we afford the subsidies to get young people in the system so it is financially sound?  

    My 25 year friend told me today that she would rather pay the $135 fine for not following the mandate rather than pay even $1000 a a year for medical insurance.  

    Another worry is that employers will rework their firms to avoid 50 workers.  Here come the part timers!

    •  'If You're Young (0+ / 0-)

      This Is The Only Obamacare Infographic You Need.'

      http://www.upworthy.com/...

      The linked infographic is based on this Center for American Progress report, "How the Affordable Care Act Helps Young Adults."

      http://www.americanprogress.org/...

      I hope that this infographic gets Facebooked and tweeted as a counternarrative to the Obamacare scaremongering that is intensifying as we get close to rolling it out.

      "I am not interested in picking up crumbs of compassion thrown from the table of someone who considers himself my master. I want the full menu of rights." (From "You Said a Mouthful" by Bishop Desmond Tutu - South African bishop & activist, b.1931)

      by FiredUpInCA on Thu Jul 18, 2013 at 06:49:35 PM PDT

      [ Parent ]

  •  Mandates are still imperative to get those prices (0+ / 0-)

    As the insurers in the state exchanges will tell you - these premium prices are predicated on the assumption that individuals be required to buy health insurance.

    Without the individual mandate - getting everybody in the pool - these rates go up. Guaranteed.

    "If you can't take their money, eat their food, drink their booze and then vote against them, you have no business being in DC."

    by Betty Pinson on Thu Jul 18, 2013 at 04:32:35 PM PDT

  •  mark my words (3+ / 0-)
    Recommended by:
    freakofsociety, tvanel, FiredUpInCA

    obamacare will end up being so popular that the gop will refuse to call it that again, their talking point will not have obama's name attached to the successful program eventually because they hate him so much, and he won't care either.

  •  my mother works for the state insurance dept (2+ / 0-)
    Recommended by:
    Odysseus, FiredUpInCA

    I live in a Republican state. Nobody is cooperating. The state is telling everyone not to work on things and it's like a politbureau with people just sitting around doing nothing. The companies are sending plans with deductibles that are triple what is allowed and with premiums doubled. The compliance analyst complains to his or her boss, nothing happens. Work only arrives on the very last day. It's really sickening how they're all in on it. Hopefully they just don't want to participate. But it seems there will be very few participants in that case, especially for small group.

    I've got the feeling that we're going to see lower premiums and standard deductibles in blue states, and higher premiums and deductibles in red states, and the Republicans are going to call it a failure. Which would still be wrong because people would just enroll in the federal. What were these states that put out data? They were all blue/purple states. It says the premiums were lower, what about the deductibles? It doesn't matter if the deductible is now 10k in the new plan.

    Also, the costs aren't actually down by 20% from what you are paying now, they were down 20% from what the CBO was predicting you would pay in 2014.

  •  Should my employer start looking for better deals? (0+ / 0-)

    If prices are coming down for individuals out to buy personal insurance, does this mean it's time for large group plans to start shopping for better bids on their volume rates? THAT would really drive prices down across the board I'd think.

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