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Good Health Care News - 7/18/2013 7:29:09 AM

cloudboy

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The NYT reported that Health Plan Cost for New Yorkers Set to Fall 50%.

The article is here to read.

Supporters of the new health care law, the Affordable Care Act, credited the drop in rates to the online purchasing exchanges the law created, which they say are spurring competition among insurers that are anticipating an influx of new customers. The law requires that an exchange be started in every state.

I am hoping this article is true and correct and maybe represents a trend around the USA. Our costs for services are nearly 2x what other countries pay, so cutting health care costs is vitally important to our economy and individual well being.

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RE: Good Health Care News - 7/18/2013 7:36:05 AM

tazzygirl

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Forbes offers a different view.

http://www.forbes.com/sites/theapothecary/2013/07/18/the-new-york-times-tries-and-fails-to-save-obamacare-from-health-insurance-rate-shock/

And Im too tired to work through it right now. But, doing my own comparison in California, I found the exhange rates there much cheaper, especially considering the deductibles now for a single, 25, male there would have a deductible higher than the exchange plans.

I will look at both of these later.

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RE: Good Health Care News - 7/18/2013 7:42:59 AM

mnottertail

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Yeah, trouble is gonna be that thee are states with no competition, when competition comes to those states, rates will drop, so there will be places where reates will drop like a stone, and places where it will rise because they have a captive market.

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RE: Good Health Care News - 7/18/2013 9:41:46 AM

JeffBC

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quote:

ORIGINAL: tazzygirl
Forbes offers a different view.

Serious question here. Do you consider Forbes a credible source?

Not to be coy, I do not. I see Forbes as one of the major propaganda arms of the wealthy elite. I take it as a given that anything Forbes thinks is good, I think is bad. Because the stuff they think is good will be "good for wall street" which automatically means "bad for everyone else". The idea that a publication so closely tied to wall street could be even remote credible is sort of astonishing to me.

quote:

But, doing my own comparison in California, I found the exhange rates there much cheaper, especially considering the deductibles now for a single, 25, male there would have a deductible higher than the exchange plans.

Your OWN research, however, I personally find highly credible.

As a general note, from my standpoint living in Canada the "lower rates" in Cloudboy's charts are all ludicrously expensive but America finds more of a need to buy CEO's yachts than Canada does.

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RE: Good Health Care News - 7/18/2013 12:17:40 PM

Marc2b

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I live in New York and my premiums recently came down... no where near fifty percent, but they did come down.

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RE: Good Health Care News - 7/18/2013 1:15:10 PM

tazzygirl

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quote:

Serious question here. Do you consider Forbes a credible source?

No, not any more than any other site. I do like to see how they manipulate the numbers... and they all do. One will use a 40 year old family of three.. another a single man of 25... a third a family of four... and I think its all deliberate to keep the disinformation going.

quote:

As a general note, from my standpoint living in Canada the "lower rates" in Cloudboy's charts are all ludicrously expensive but America finds more of a need to buy CEO's yachts than Canada does.

They are, with ridiculously high deductibles... but at least having insurance can make the difference between seeing a primary care physician and waiting in an ER for hours and hours.

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RE: Good Health Care News - 7/18/2013 4:09:16 PM

Phydeaux

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Well, just to be the token fly in the ointment..

According to Forbest - the passage of the healthcare bill in 1992 drove health care costs up so high that

a). It is among the priciest in the nation.
b). 76% of people exited the market.

It also claimed that health premiums became so expensive that young people couldn't afford them.

Which of those claims are false do you suppose. Anyone got any stats to prove it?

Of course, NY is one of the few place that Obamacare will be less liberal than existing laws.... California, Massachusset, Illinois etc probably also qualify.

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RE: Good Health Care News - 7/18/2013 4:21:07 PM

defiantbadgirl

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Has anyone seen the rates for the exchanges set up by the federal government for states that didn't set up their own exchanges?

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RE: Good Health Care News - 7/18/2013 4:40:03 PM

tazzygirl

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This is all I know about PA's which is being set up by the federal goverment....

For example, a family of four with an income of $47,100 would receive a $9,530 tax credit toward the cost of their plan. They would have to pay the rest of the premium on their own, resulting in monthly premiums of $247 per month.

I do know they stripped the Medicaid expansion from the current budget, which means many will still go without health care.

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RE: Good Health Care News - 7/18/2013 6:19:54 PM

tazzygirl

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Ok.. so far... this is what I have.. and I hope it makes sense...

If you compare the cheapest plan on healthcare.gov to the cheapest Bronze plan on the new Covered California insurance exchange, premiums for healthy 25-year-olds will increase by 147 percent—a median of $183 on the exchange vs. $74 today—and premiums for healthy 40-year-olds will increase by 149 percent—a median of $234 on the exchange vs. $94 today.

40 year old single San Francisco 94129

Using the eHealthinsurance.com web site....

Deductibles under 500/ 4 plans offered

cheapest was 365 each month, no co-pay, office visit 50, 15 PCPs in their HMO group.

491, office visit of 20
507, office visit of 25

Deductible 500 - 1000

348 cheapest, 1000 deductible, 30% co pay, office visit 40/60
379, 750 deductible, 50% co pay, office visit 50% after co pay
418, 1000 deductible, 30 cop pay, office visit 30/40
444, 1000 deductible, no co pay, 25 per visit
502, 1000 deductible, 25% co pay, 30 per visit

Deductible 1000 - 2500

255, 2500, 25%, 25 for first 2 visits, then 25 after deductible
502, 1000, 25%, 30 per visit

so.. basically... the cheapest rate I can find for this age group is...

135, 3500 deductible, 50% co pay, $40 for first 2 visits (deductible waived), then 50% after deductible

507, 0 deductible, 0 co pay, 25 office visit

I have not found a 94 dollar policy in the 40 age range... but Im not sure what zip code they used.

According to the California site....

http://www.coveredca.com/calculating_the_cost.html

I plugged in a 40 year old... cost 144 aftertax credit making 25000 a year.

............

The Forbes article used the following for that age group (so many different ways this writer came to different amounts)

40 years old, 3 people, 44000 income, cost after tax credit, 263.

A family of three, father, age 40, mother age 38, child age 13, the cost on ehealtinsurance.com for San Francisco is

427, deductible 4500 inividual, 13500 family, 40% co pay, $35 for first 2 visits (deductible waived), then 40% after deductible

most expensive?

1270 1000 deductible individual/ 2000 family, 25% co pay, 30 office visit

Plugging that same info into the California web site...

1019 - 755 (tax credit) = 263

Btw, the "Premiums are shown for a "silver plan""

Under the California Exchange, out of pocket expense is 30%, I cannot find deductibles for the family plans, I will have to keep digging...but from I am seeing on different sites, deductibles for families would be twice that for individuals... Maximum out of pocket expense for a family is 12500 under the silver plan, PCP co pay 45, 500 deductible for meds, then pay co pay,

http://blogs.kqed.org/stateofhealth/files/2013/02/CC-Standard-Individual-Benefit-Plans.jpg

< Message edited by tazzygirl -- 7/18/2013 6:20:27 PM >

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RE: Good Health Care News - 7/18/2013 8:13:01 PM

cloudboy

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quote:

ORIGINAL: mnottertail

Yeah, trouble is gonna be that thee are states with no competition, when competition comes to those states, rates will drop, so there will be places where reates will drop like a stone, and places where it will rise because they have a captive market.

As was explained on NPR today there are other factors involved that will influence premium prices in other states such as prior existing state health care policies.

Also: Former Insurance Exec Offers An Insider's Look At Obamacare

He believes that getting more people insured will lower costs in the end. "People who don't have insurance, they still get sick, and they get injured," he tells Fresh Air's Dave Davies, "and most of them, when they do, go to the emergency room. Hospitals can't often collect money from those folks because they often don't have the money to pay for it. They can't turn them away; it's called 'uncompensated care,' but that's a misnomer. Somebody has to pay for that care, and that somebody is you and me if we have private coverage.

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RE: Good Health Care News - 7/18/2013 8:17:55 PM

tazzygirl

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It is interesting that hospitals in PA are upset that PA isnt expanding its Medicaid. Hospitals see the potential for huge losses in income.

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Telling me to take Midol wont help your butthurt.
RIP, my demon-child 5-16-11
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Dont judge me because I sin differently than you.
If you want it sugar coated, dont ask me what i think! It would violate TOS.

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