Obamacare marketplace premiums in Florida lower than expected

[seekerz]

That is not how subsidiarity works. Subsidiarity is where the lower levels of governance have *control *as well as responsibility.

Subsidiarity? You mean that thing that has been recently reinterpreted by some to mean: I don’t have to care for the poor if I don’t want to and you can’t make me?

 

[Seamus_L]

If you think Florida is confusing, check out Illinois chicagotribune.com/news/opinion/editorials/ct-edit-health-20130926,0,3519511.story

                                The other day, on the 5pm News, I heard that the lowest monthly rates for a non-smoker over 50 in my area would be around $150. So that means a financhially struggling couple both in there 50's are going to have to now come up with an extra $300 a month ? Of course I'm also hearing that those unable to pay will be subsidized, which considering the ever growing numbers of people receiving SNAP benefits, is going to mean even higher taxation. 

                               Financhial matters have never been my strong point, but inspite of that, something tells me this just isn't going to work.

 

[seekerz]

If you think Florida is confusing, check out Illinois chicagotribune.com/news/opinion/editorials/ct-edit-health-20130926,0,3519511.story

                                The other day, on the 5pm News, I heard that the lowest monthly rates for a non-smoker over 50 in my area would be around $150. So that means a financhially struggling couple both in there 50's are going to have to now come up with an extra $300 a month ? Of course I'm also hearing that those unable to pay will be subsidized, which considering the ever growing numbers of people receiving SNAP benefits, is going to mean even higher taxation. 

                               Financhial matters have never been my strong point, but inspite of that, something tells me this just isn't going to work.

Since when is a couple’s rates double the individual rates? Ever heard of family plans?

The way the tax credits work, if you qualify for them, is that they make the premiums more affordable for the ‘financially struggling’. If you are even poorer than that, you get to apply for Medicaid (in those states where the governors choose to expand it).

 

[Deus_tecum]

The government is spending billions on a propaganda campaign to promote ACA. Most of these puff-piece news articles are a result of that. It is a mistake to read them as “fact”. The government had to pass the bill to k now what’s in the bill. How can anyone trust such daft people to accurately understand the true costs?

 

[DeniseNY]

Remind me when we were told that again?

The other thing we’ve done is to say, what are the critical needs of small business? A lot of time, one of the biggest challenges is to make sure that you, as a sole proprietor, that you can get health insurance for you and your family. So when you hear about the Affordable Care Act — Obamacare — and I don’t mind the name because I really do care. That’s why we passed it. You should know that once we have fully implemented, you’re going to be able to buy insurance through a pool so that you can get the same good rates as a group that if you’re an employee at a big company you can get right now — **which means your premiums will go down.” **

— President Obama, campaign speech in Cincinnati, July 16, 2012

 

[Least]

Seriously? Name-calling only discredits the name-callers.

Yeah, but the shoe fits you too obviously, I’m sticking with my answer.

Originally Posted by St Francis
lower than projected.

What we were told before the bill was passed was that our insurance premiums would be lower than before the bill was passed.

Remind me when we were told that again?

obamacarefacts.com/obamacare-facts.php

“To help make buying affordable health insurance easy ObamaCare creates State specific health insurance marketplaces (also known as exchanges) where Americans without health coverage can shop for health insurance using cost assistance. Read our Complete Guide to the Health Insurance Exchange Marketplaces and find out how you can get reduced premiums and lowered out-of-pocket costs.” …

“ObamaCare gives seniors access to cheaper drugs, free preventive care, reforms Medicare Advantage, and closes the Medicare Part D 'donut hole. The AARP agrees that costs won’t rise because of ObamaCare, if anything the improvements to the system will decrease the average cost of health care for seniors.”

UR MOSTlikelyacrackho

 

[seekerz]

The other thing we’ve done is to say, what are the critical needs of small business? A lot of time, one of the biggest challenges is to make sure that you, as a sole proprietor, that you can get health insurance for you and your family. So when you hear about the Affordable Care Act — Obamacare — and I don’t mind the name because I really do care. That’s why we passed it. You should know that once we have fully implemented, you’re going to be able to buy insurance through a pool so that you can get the same good rates as a group that if you’re an employee at a big company you can get right now — **which means your premiums will go down.” **

— President Obama, campaign speech in Cincinnati, July 16, 2012

(emphasis mine)

Thank you. The ACA has not yet been fully implemented: all costs are projected. When implementation is complete, then we’ll see what happens to the premiums.

 

[SamH]

Remind me when we were told that again?

youtube.com/watch?v=_o65vMUk5so

 

[seekerz]

Yeah, but the shoe fits you too obviously, I’m sticking with my answer.

obamacarefacts.com/obamacare-facts.php

“To help make buying affordable health insurance easy ObamaCare creates State specific health insurance marketplaces (also known as exchanges) where Americans without health coverage can shop for health insurance using cost assistance. Read our Complete Guide to the Health Insurance Exchange Marketplaces and find out how you can get reduced premiums and lowered out-of-pocket costs.” …

“ObamaCare gives seniors access to cheaper drugs, free preventive care, reforms Medicare Advantage, and closes the Medicare Part D 'donut hole. The AARP agrees that costs won’t rise because of ObamaCare, if anything the improvements to the system will decrease the average cost of health care for seniors.”

UR MOSTlikelyacrackho

Pointing out that you continue to disrespect people does not make any shoe fit me. You should be ashamed of the language of your posts, but by all means declare the state of your intellect and character to the world…

 

[petra22]

You know, Einstein defined insanity as trying the same thing again and again while expecting a different result. Liberalism fails each and every time it is tried. There is supposed to be a lesson there.

Yes, I’m going insane watching it all…

 

[Ridgerunner]

If you think Florida is confusing, check out Illinois chicagotribune.com/news/opinion/editorials/ct-edit-health-20130926,0,3519511.story

                                The other day, on the 5pm News, I heard that the lowest monthly rates for a non-smoker over 50 in my area would be around $150. So that means a financhially struggling couple both in there 50's are going to have to now come up with an extra $300 a month ? Of course I'm also hearing that those unable to pay will be subsidized, which considering the ever growing numbers of people receiving SNAP benefits, is going to mean even higher taxation. 

                               Financhial matters have never been my strong point, but inspite of that, something tells me this just isn't going to work.

Pointing out this rate or that one, as the OP does, tells us nothing. When, as with Obamacare, there is a large cost-shifting from one segment of the population to another, some are going to benefit and some will lose. Those “by state” estimates showing big increases (mine is 58% I believe) are “across the board” numbers.

It appears to me the big losers are going to be:
-The poorest Americans currently covered by Medicaid. Providers limit the number of Medicaid recipients they will take, so adding an additional 17 million to the Medicaid rolls will tend to “crowd out” the poorest. Also, the Obamacare shift from chronic care to well care tends to hurt the poorest, because they tend to be more afflicted with chronic conditions.

-People who are not subsidized. The Obamacare mandates have to be paid for by somebody. Almost certainly some of those receiving subsidies will, because of the subsidies, be better off. Those without subsidies will pay the increased cost of mandates in full. For couples with household income of about $60,000, there will be no subsidy.

-The elderly. The chief actuary for Medicare says that, due to Obamacare cuts, Medicare will soon pay less than Medicaid. Also, since the elderly tend not to have dependent family members, they are less likely to receive any subsidies for “supplemental insurance”.

-Possibly people somewhere on the subsidy continuum. It is not presently possible to know where the increased costs will no longer be offset by low-level subsidies.

-Union members and others with “Cadillac health plans” will pay a 40% tax on their premiums.

-Very possibly, everyone but the truly wealthy. The truly wealthy will be able to afford high-end insurance or simply self-pay for the best care. Obamacare appears to be cutting down on approved care, thus reducing its overall quality and availability.

What is simply not acknowledged by Obamacare’s supporters is that it is not a healthcare plan at all, since it does nothing to improve care or increase its availability. What it truly is, is an income redistribution plan, the major beneficiaries of which will be low-wage members of the middle class, and those whose income will be redistributed to others will be those members of the middle class whose premiums are not subsidized. It is fundamentally an indirect “tax” on one part of the middle class to be distributed to another segment of the middle class.

 

[seekerz]

What is simply not acknowledged by Obamacare’s supporters is that it is not a healthcare plan at all, since it does nothing to improve care or increase its availability.

It doesn’t?

So making insurance available to those who now can’t afford to see the doctor is not improvement of care?

Coverage of mental and behavioral health for those whose insurance now does not cover them is not improvement of care?

Taking away out-of-pocket costs for preventive care so that problems can be headed off before they begin/worsen is not improvement of care?

Including dental coverage for children does not improve care?

Removal of pre-existing conditions limitations does not increase availability of care?

Making it so that people WITH insurance can actually afford to access care does not improve availability?

So list for me what Republican administrations have done in recent history to (outside of Medicare) to improve care and increase availability.

 

[St_Francis]

Remind me when we were told that again?

Around Nov., 2010? Well, that was obviously a mistake, but here, he did promise reduced premiums.

More seriously, I’m surprised you don’t remember the promise of lower premiums, since you cited that as a benefit of ACA within the past week. Twice.

Remind me when we were told that again?

Around Nov., 2010? Well, that was obviously a mistake, but here, he did promise reduced premiums.

More seriously, I’m surprised you don’t remember the promise of lower premiums, since you cited that as a benefit of ACA within the past week. Twice.

They will save by finally being able to get comprehensive coverage for **LESS than what they now pay **for limited coverage.

Long enough for those without affordable insurance to sign up at healthcare.gov! I think the opponents of Obamacare are so fervent in their efforts because no legislative victory they deny the president will even be remembered after people see the **savings **and the services available under the ACA.

 

[Ridgerunner]

It doesn’t?

So making insurance available to those who now can’t afford to see the doctor is not improvement of care?

Coverage of mental and behavioral health for those whose insurance now does not cover them is not improvement of care?

Taking away out-of-pocket costs for preventive care so that problems can be headed off before they begin/worsen is not improvement of care?

Including dental coverage for children does not improve care?

Removal of pre-existing conditions limitations does not increase availability of care?

Making it so that people WITH insurance can actually afford to access care does not improve availability?

So list for me what Republican administrations have done in recent history to (outside of Medicare) to improve care and increase availability.

Nothing in Obamacare builds hospitals or clinics or increases the enrollment in medical schools or pays for medical education or supports medical research or makes medical outreach programs more available. It does nothing to increase availability of medical providers or facilities or treatments for the population at large. It does not “improve” medical care. It only increases costs and shifts them from one segment of the population to another.

But let’s at least talk for a minute about “preventive care”. People on Medicaid can receive that right now, for free. However, because reimbursement under both Medicaid and Medicare for “well care” (which is what “preventive care” is) has been increased at the expense of “chronic care”, it has resulted already in patient dumping for persons with chronic conditions. It may also be observed that a recent study has indicated that “well care” or “preventive care” does not improve outcomes.

What Repubs have or have not done has no bearing on whether Obamacare will or will not improve the availability, cost and quality of medical care. I’m not a Repub, so the “Bush’s fault” genre of arguments does not work with me.

 

[seekerz]

Around Nov., 2010? Well, that was obviously a mistake, but here, he did promise reduced premiums.

More seriously, I’m surprised you don’t remember the promise of lower premiums, since you cited that as a benefit of ACA within the past week. Twice.

Around Nov., 2010? Well, that was obviously a mistake, but here, he did promise reduced premiums.

More seriously, I’m surprised you don’t remember the promise of lower premiums, since you cited that as a benefit of ACA within the past week. Twice.

In my state, based on the Kaiser calculator, all I’ve said it’s true because I checked it out myself and compared it to the current cost of limited indemnity plans in Texas. This discussion is about Florida, in case you didn’t notice. I was not aware that Obama had promised a reduction in premiums everywhere for everybody even before the full implementation of the ACA. My mistake.

 

[seekerz]

Nothing in Obamacare builds hospitals or clinics or increases the enrollment in medical schools or pays for medical education or supports medical research or makes medical outreach programs more available. It does nothing to increase availability of medical providers or facilities or treatments for the population at large. It does not “improve” medical care. It only increases costs and shifts them from one segment of the population to another.

 

[DeniseNY]

(emphasis mine)

Thank you. The ACA has not yet been fully implemented: all costs are projected. When implementation is complete, then we’ll see what happens to the premiums.

No, thank you. I guess it also depends on what the definition of “is” is…

 

[seekerz]

No, thank you. I guess it also depends on what the definition of “is” is…

You have some inside info on what the premiums are going to be on Oct 1st and beyond?

 

[DeniseNY]

You have some inside info on what the premiums are going to be on Oct 1st and beyond?

There has been a multitude of sources quoted and linked in this thread addressing premiums. You either haven’t looked at any of it, or just willfully choose to ignore it.

 

[ProVobis]

**Obamacare Will Increase Health Spending By $7,450 For A Typical Family of Four **

Yikes! Four years ago at the company I worked for the family coverage was over $1000 a month. And this was only the employee premium, 20-30% of the total premium.