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I've been doing my best to correct false or misleading information from friends and others about the ACA.  I've told someone who got a Blue Cross "cancellation" letter that he's likely to do better on the exchange.  I've corrected someone who thought that pre-existing conditions could not bar insurance, but could still affect rates.

But the barrage of "horror stories" needing correction continues.  For example, today, a lawyer at a small firm (under 50) wrote to me:

Our group plan was terminated. Under the new plan, I will go from $868 out of pocket per mo. to $1070 per mo. Plus a $5700 deductible I didn’t have before. The insurance consultant I spoke with said that as a result of ACA, approx. 2/3 of small employer plans would be voided by the end of the year.
This sounds fishy.  I told him that the consultant and the ins. co. were probably blaming the ACA for a change they would make anyway;  Was I right? is it really related to the ACA?

We need a clearinghouse for an ACA Truth Squad.  A place where you can send in a story like this and get a quick response about the truth.  That would be a great Daily Kos feature.

Meanwhile -- what about the guy who wrote me today and his plan change?

Originally posted to Upper West on Fri Nov 01, 2013 at 02:43 PM PDT.

Also republished by Kitchen Table Kibitzing.

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Comment Preferences

  •  Tip Jar (7+ / 0-)

    The GOP: "You can always go to the Emergency Room."

    by Upper West on Fri Nov 01, 2013 at 02:43:33 PM PDT

  •  That lawyer should look into SHOP insurance (7+ / 0-)

    AKA small employers health insurance, through the exchanges, instead of having each employer go on the individual market on the exchange. Group insurance is subject to the higher 85% loss ratio cap (vs 80% for individuals), and should be correspondingly cheaper.

    Prior to Obamacare, having your group plan cancelled would be a serious problem for small emplloyers. But thaanks to the ACA, small employers (up to 50 employees) could shop for group plans on the exchange.

  •  I totally agree on having an ACA Truth Squad (4+ / 0-)
    Recommended by:
    wasatch, Upper West, Sylv, Cordyc

    or something like a clearinghouse/FAQ: really Kos should put something like that front and center, given the number of ACA diaries from people frustrated, confused or sometimes ignorant of the facts.

  •  need the truth squad (2+ / 0-)
    Recommended by:
    Sylv, Cordyc

    Oh yes, I would like a place to go to post questions for the truth squad! For example, a co-worker was complaining about the ACA. It seems he has been covered on his wife's plan, she works elsewhere and has totally free insurance. Her employer decided to stop providing free insurance to family members, only to the employee. So now he has to get insurance from his employer (which is my employer too, and we have excellent plans available for about $200 a month, so it's not like he's going to go into the poor house over this). Anyhow, according to his wife, she says her employer is dropping family coverage because the ACA has made it too expensive. I have a hard time believing this and think it is more likely that the company (and I don't know the company) is taking the opportunity to cost-cut and blame someone else.

    "Every Pootie is a masterpiece." - Da Vinci

    by mdsiamese on Fri Nov 01, 2013 at 03:53:46 PM PDT

    •  If her employer has more than 50 employees then (0+ / 0-)

      nothing happens until 2015.  So the employer is just using the ACA as an excuse to dump this expense in 2014.

      While her employers rates may be rising it has nothing to do with the ACA next year.  It's the Insurance Corp wants more money for their policies.

      Congressional elections have consequences!

      by Cordyc on Fri Nov 01, 2013 at 08:47:39 PM PDT

      [ Parent ]

    •  Not the ACA at all, just employer greed (0+ / 0-)

      These employers have just decided they have a convenient excuse for taking away an employee benefit and pointing the finger at someone else.

  •  Upper West - there isn't enough information (1+ / 0-)
    Recommended by:
    denise b

    to know if the lawyers claim is valid.

    It would be nice to have a "truth squad" but it would have to come from a non-partisan source that didn't have a public identity as favoring the left or right. DKOS wouldn't be a good source because, other than us, people wouldn't think it was objective.

    "let's talk about that"

    by VClib on Fri Nov 01, 2013 at 04:16:04 PM PDT

  •  you are going to see alot of this (1+ / 0-)
    Recommended by:
    myboo

    here is the interesting thing.  if most of americans end up getting insurance on the exchanges, i think it will be a damn fine argument for a public option to keep costs under control.  ultimately the insurance industry may be pricing themselves into irrelevance.

    "The real wealth of a nation consists of the contributions of its people and nature." -- Riane Eisler

    by noofsh on Fri Nov 01, 2013 at 05:44:23 PM PDT

  •  Tell him to ask his employer what they're going (1+ / 0-)
    Recommended by:
    myboo

    to do when the employer mandate expires in 2014. Either the firm will join a small biz exchange, or they will push their employees to the individual exchange. I have a feeling there's a difference, especially for a law firm (though the clerks and secretaries might be alright).

  •  Letters are quoting the most expensive offers (0+ / 0-)

    In many cases, what I have heard is that the cancellation letters are quoting the most expensive replacement plans costs as if that is the only replacement option. There are often less expensive alternatives available even without going on the exchanges.

    He should check ALL the offerings on his current insurer's website. Then he should go to the exchange for his state and see what is available for both small businesses (SHOP) and individuals.

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