Obamacare: Projected Premium Increases by State - Up as much as 106% next year!

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posted on Mar, 22 2013 @ 07:35 PM
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Take a gander at the estimated premium hikes by state.

Source: “The Price of Obamacare’s Broken Promises,” report by the House Committee on Energy and Commerce Majority Staff, Senate Committee on Finance Minority Staff, and Senate Committee on Health, Education, Labor & Pensions Minority Staff, March 2013.



Remember that repetitive presidential promise to “cut the cost of a typical family’s premium by up to $2,500 a year”? As 2014 and full implementation of Obamacare get closer, it is crystal clear that won’t be the case.

Obamacare’s most onerous insurance regulations will directly cause insurance premiums to skyrocket, particularly in the individual and small group markets.

While there are many provisions that will increase premiums, two will have the most expensive impact:

Age rating restrictions. Obamacare limits variation in premium costs to a ratio of 3 to 1 based on age. But as Heritage research shows, “The natural variation by age in medical costs is about 5 to 1—meaning that the oldest group of (non-Medicare) adults normally consumes about five times as much medical care as the youngest group.” This means that under Obamacare, young adults will pay significantly higher premiums than they would have prior to Obamacare, and older adults will pay only slightly lower premiums.


This is more insidious than it at first seems, by forcing the young to pay more in their youth, it limits there ability to grow savings for retirement through compounding interest.



New benefit mandates and cost-sharing rules. Heritage expert Ed Haislmaier explains, “The new law adds a number of health care services that insurers must cover and in some cases restricts the ability of insurers and employer self-insured health plans to impose limits on the amount of services patients can consume. This combination will drive up health plan costs and premiums for both individual insurance and employer-group coverage.” In addition, Obamacare prohibits cost sharing on many preventative services, which will dramatically increase utilization of those services—pushing premiums even higher.


Read the rest Here

I hope this is some kind of exaggeration, or there is going to be a lot of people dying from lack of health care very soon.




posted on Mar, 22 2013 @ 07:44 PM
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I predict that one of Obama's cyberwarriors will post here very soon.
They will say that Obamacare doesn't take effect for a while and that this is (of course) , George W Bush's fault.



posted on Mar, 22 2013 @ 07:47 PM
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This is bull. I'll stop paying my already expensive premiums, and start saving that money instead. I'll pay cash up front for any doctor visits, etc from now on. We never go to doctors as it is. We eat a very strict organic diet. That is far better at keeping the doctor away than anything else.



posted on Mar, 22 2013 @ 07:54 PM
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Can someone enlighten me please????

Our family (4) has Blue Cross Basic through the VA (veterans affairs) will our premiums increase too? Im totally confused by all this....



posted on Mar, 22 2013 @ 08:01 PM
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Not true. Just a bunch of right wing propaganda. After all the anointed one said our health insurance and health care costs would drop under his plan. And he is the best thing since sliced bread right? NO way he was fibbing.



posted on Mar, 22 2013 @ 08:35 PM
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Originally posted by texas thinker
Not true. Just a bunch of right wing propaganda. After all the anointed one said our health insurance and health care costs would drop under his plan. And he is the best thing since sliced bread right? NO way he was fibbing.


Just wondering how this all happened?

So many Americans didn't want Obama in again...So much of the World warned the US about Obama. And yet...here he is.

Just like Bush he stole the election. Had to steal it or else he wouldn't have stood a chance. And yet...here he is.


So many people warned against Obamacare. The name itself lends to the ego and power tripping of this warmongering, constitution destroying thief. Isn't this where they announce how much of your tas returns they'll steal to pay for the insurance if you don't pay for it willingly? Isn't this where more employers cut back and the average family income shrinks again?

And yet...?

Nothing left to do but see how much power the people have left and get him out of that office. And if you can't? Well then, the answer is clear isn't it?

If the people can't get anything from their President to actually help them and don't have the power to unseat him, what is he in reality? Dictator comes to mind.

So many don't want him so why is he still here?

Peace


edit on 22-3-2013 by jude11 because: (no reason given)



posted on Mar, 22 2013 @ 08:52 PM
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Our US government routinely rely on hoaxes to sell their agendas to an otherwise reluctant public.
The Romans accepted the Emperors and the Germans accepted Hitler not because they wanted to, but because the carefully crafted illusions of threat appeared to leave no other choice.

Our government too uses hoaxes to create the illusion that We The People have no choice but the direction the government wishes us to go in.
Once lost, the Romans never got their Republic back. Once lost, the Germans never got their Republic back. In both cases, the nation had to totally collapse before freedom was restored to the people.

Remember that when Crassus tells you that Spartacus approaches.

Remember that when thugs in the streets act in a manner clearly designed to provoke the public fear.

Remember that when the Reichstag burns down.

Remember that when the President lies to you about weapons of mass destruction.
Obama care we just wont have any choice.......Hoaxe



posted on Mar, 22 2013 @ 09:28 PM
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reply to post by proximo
 


Not sure about these warnings coming from Healthcare corporations, but Healthcare insurers have been increasing their premiums overall for sometime now:



A study from the Kaiser Family foundation found that average annual healthcare insurance premiums increased by over 120% between 1999 to 2009:
ehbs.kff.org...

There will of course be people who will argue that Obama's healthcare law is making it worse, but regardless, health insurers have been increasing their prices collectively for years, and much of that increase occurred during the Bush administration, the time of Bush tax cuts galore, prior to the financial crises of 2008. Healthcare corporations are in the business of maximizing profit, and they will rationalize whatever they need to for good publicity, and their pawns, like those pushing the story from the OP, will parrot their excuses.
edit on 22-3-2013 by Southern Guardian because: (no reason given)



posted on Mar, 22 2013 @ 09:29 PM
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It really makes me wonder what the justification for price increases is while companies make record profits. When gas was averaging $4.00/gallon a few years ago the oil industry was seeing hundreds of billions in profit while claiming expected shortages that never came. Now the health insurance industry is leading the S&P 500 for the first time in 15 years while claiming a need for rate hikes. The stock market is doing better than it's ever done, ever. The rest of America is still suffering from the effects of Wall St.'s financial meltdown four years ago.

What these insurance companies are doing is a scare tactic to better position themselves to escape provisions of the law meant to reign in these absurd practices.



posted on Mar, 22 2013 @ 09:51 PM
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reply to post by links234
 

obamadontcare will destroy the insurance companies, that is what it was designed to do.
ten years from now you will be begging for those big bad insurance companies.



posted on Mar, 22 2013 @ 10:14 PM
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Originally posted by bjax9er
ten years from now you will be begging for those big bad insurance companies.


I find that highly unlikely.



posted on Mar, 22 2013 @ 11:16 PM
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reply to post by Southern Guardian
 


So, your defense for obamacare is that healthcare costs were already going up really fast?

That's pretty weak don't you think? You will get no argument from me that our healthcare system has sucked for decades, but obamacare was supposed to fix the system, not make it worse.

Healthcare costs have gone up 9 percent per year for 30 years. the federal government paid out 1 trillion in Medicare and Medicaid alone in 2012. Even at 9 percent a year the doubling time is 7 years. So in less than a decade ALL of our tax income will be required just to pay medical costs if this system is't fixed. That is zero for social security, zero for anything else.

Obama has to know those numbers, but still apparently was in favor of increasing costs and not reforming the system all to get some votes from idiots who believe in "Free" medical care. How anyone can support him when he failed so colossally with his signature legislation is beyond me.



posted on Mar, 23 2013 @ 12:00 AM
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reply to post by proximo
 



So, your defense for obamacare is that healthcare costs were already going up really fast?

That's pretty weak don't you think?


The argument from your OP and the source of your OP (from none other than conservative Heritage) is predicting significant premium increases, and the sole blame laid is sourced from assumptions about Obama's healthcare law. But we know from data collected over the years, from research, that healthcare companies have been increasing their premiums significantly since well before Obama's healthcare law. This is a fact. Your source is wrong.


You will get no argument from me that our healthcare system has sucked for decades, but obamacare was supposed to fix the system, not make it worse.


What do you mean Obama's healthcare law was supposed to fix the healthcare system? This law has yet to fully impact the system, we're yet to see any real effects. The law was signed in March 23 2010 and the major provisions of the bill have only really come into effective over the last few months. Your source is even predicting that this healthcare law will dramatically impact on premiums (as if these premiums have not been going up already). So why are you jumping the gun?


Obama has to know those numbers, but still apparently was in favor of increasing costs and not reforming the system all to get some votes from idiots who believe in "Free" medical care.


You first say that you believe our system prior to this law was broken as well, but then you claim that supporters of this law are just idiots looking for a free hand out in the way of healthcare. I'm now curious what your own solution is? Because if you're of the opinion that we should just leave healthcare corporations to do what they please in the market and continue to ration out certain groups to drive up demand and profit, then clearly you didn't have an issue with the way the system was before.



posted on Mar, 23 2013 @ 12:49 AM
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Originally posted by Southern Guardian
The argument from your OP and the source of your OP (from none other than conservative Heritage) is predicting significant premium increases, and the sole blame laid is sourced from assumptions about Obama's healthcare law. But we know from data collected over the years, from research, that healthcare companies have been increasing their premiums significantly since well before Obama's healthcare law. This is a fact. Your source is wrong.


Where does it say anything about healthcare costs not increasing the last few decades? As I said costs have been going up at nearly a 9% clip for 30 years, but now we are talking about them going up 40-50% on average in one year. Do you really not see the difference?



What do you mean Obama's healthcare law was supposed to fix the healthcare system? This law has yet to fully impact the system, we're yet to see any real effects. The law was signed in March 23 2010 and the major provisions of the bill have only really come into effective over the last few months. Your source is even predicting that this healthcare law will dramatically impact on premiums (as if these premiums have not been going up already). So why are you jumping the gun?


Ok, so your going to go with that huh, every insurance company is warning rates are about to skyrocket, scores of workers are being forced part time, and you are going with, it hasn't happened yet, they may be bluffing? So let me get this straight your theory is the insurance companies are just using Obamacare as an excuse to gouge? It couldn't be that millions more have to be covered by the same people paying for insurance now and as a result their cost is going up accordingly, nah that's simple economics that can't be it.

This was supposed to be dramatic healthcare reform - but it isn't. It's the same damn system with more bureaucracy, and requirements for everyone to be covered with mandated minimum coverage. It accomplishes absolutely nothing when it comes to trying to reduce costs which would be insanely easy to do. Our system costs double per capita of just about any other 1st world countries system, that is inexcusable.



You first say that you believe our system prior to this law was broken as well, but then you claim that supporters of this law are just idiots looking for a free hand out in the way of healthcare. I'm now curious what your own solution is? Because if you're of the opinion that we should just leave healthcare corporations to do what they please in the market and continue to ration out certain groups to drive up demand and profit, then clearly you didn't have an issue with the way the system was before.


What I was trying to say is most people supporting Obamacare are far - far more concerned about everyone getting coverage than they are about how we are going to afford it, or how the system can be made more efficient. Anyone who has any clue how unsustainable our system is, should realize that if things stay as they are the government won't be able to supply anyone with reasonable coverage in a few short years.

My biggest problem with Obamacare is if you are going to go to a socialist system then go all the way. Instead Obama and the rest of our politicians were more concerned about getting campaign contributions from big pharma, and the medical lobby than actually doing anything that would approach real reform. I'm not really opposed to a socialist system as long as we have the ability to opt out and pay for who we choose if we can afford to. God knows it would be far better than this disaster of a system we have now.

As far as solutions here are a few really easy things that could be done that would make a dramatic difference in costs.
1. Require all doctors and hospitals to list their costs for procedures ahead of time.
2. Require that everyone pays the same rate, that isn't medicare/medicaid. No more haggling BS or special treatment, everyone should pay the same.
3. Put a cap on malpractice - this will have a much larger effect than you might think, because much of the testing done now is not needed but is done just in case the doctor gets sued, he can say look I was really thorough.
4. Allow importation of pharmaceuticals from anywhere - there is no reason the US has to pay for all the worlds drug development costs, we have more than paid our fair share, we deserve to have the same costs as anyone else.
5. Allow private clinics to offer their own insurance - this has proven to be far cheaper because all the middleman get cut out.
6. Only pay for the lowest cost equivalent treatment, the way the system is now if there are two equivalent hip replacements the doctor gets to choose which one he wants to use even if it costs double, and yet he gets paid the full amount. Funny thing is these doctors are getting kickbacks from the hip replacement manufacturers.



posted on Mar, 23 2013 @ 01:06 AM
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Solutions?

Pay the government fine. It'll be cheaper.

Also, find a black market health Co-op. They exist. Doctors and nurses getting together to provide care because they want to and not following moronic government dictates. It's cheaper, quicker, and you won't have some damned bean-counter determining your healthcare needs.

Via La Revalutione'!



posted on Mar, 23 2013 @ 02:18 AM
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reply to post by proximo
 



Originally posted by proximo
Where does it say anything about healthcare costs not increasing the last few decades?


The source of your OP doesn't mention anything about the fact premiums have been significantly increasing since before this bill came in, which in part demonstrates why it is misleading. Here's part of the article:


Obamacare’s most onerous insurance regulations will directly cause insurance premiums to skyrocket, particularly in the individual and small group markets.


Apparently Obama's healthcare law is going to directly cause insurance premiums to skyrocket, never mind the fact that they have skyrocketed already, before this law was even signed in. Your source is clearly misleading.



Ok, so your going to go with that huh, every insurance company is warning rates are about to skyrocket, scores of workers are being forced part time,


So the Healthcare insurers are claiming that they'll once again be increasing premiums significantly, but this is because of Obama's healthcare, never mind the fact that the average premium for a family had increased by more that 120% between 1999 to 2009, since before this law was even signed into place. But you're just eating up their excuses right because this is Obama and the Democrats we're talking about?

And by the way, "scores of workers are being forced part time", what's your source for this? Have you bothered to objectively research this beyond anti-Democratic and Obama websites like heritage? I'd like a source.


It couldn't be that millions more have to be covered by the same people paying for insurance


The mandate requires individuals to have some kind of private healthcare insurance, or there will be a penalty. People who sign up as a result will also be paying customers, so I'd like to know where you're coming with this argument here? Also, here's a reality check for you, we're already paying for the cost of healthcare from the uninsured:


Uninsured Americans cost the American healthcare system an additional $49 billion annually, according to a new, recently released government study. That figure includes those with incomes well above the poverty line, who leave hospitals with unpaid tabs that are the cost-shifted to the private side of the health insurance market.

insurance.about.com...
usatoday30.usatoday.com...

We've been paying for the uninsured since well before Obama's healthcare law. But you clearly didn't notice this before Obama came into the picture did you? People like you couldn't give a damn before, now you're blaming the issues that have been worsening for decades on Obama's healthcare law that's only really coming into effect now. You need to take the time to research this objectively.


My biggest problem with Obamacare is if you are going to go to a socialist system then go all the way.


What part of Obama's law is making our system more "socialist"? There's a mandate in there for individuals to have some kind of private insurance, so?



2. Require that everyone pays the same rate, that isn't medicare/medicaid. No more haggling BS or special treatment, everyone should pay the same.


So you want to force for private healthcare corporations to charge everybody the same amount for their healthcare? Or is this taxes? Surely I misunderstood you here? Clarification?


Put a cap on malpractice - this will have a much larger effect than you might think, because much of the testing done now is not needed but is done just in case the doctor gets sued, he can say look I was really thorough.


So all a doctor has to do is claim he or she was thorough, and anybody seeking justice, including real victims, won't have a case? Also 70% of malpractice lawsuits end with no compensation or fail to reach trial:
www.bizjournals.com...
qualitysafety.bmj.com...

Leave the courts to deal with such matters, if the defendants have a strong case then they have a strong case.


4. Allow importation of pharmaceuticals from anywhere - there is no reason the US has to pay for all the worlds drug development costs


Not sure what you mean by this. Which countries with significant medical industries have we blocked medical imports from?


5. Allow private clinics to offer their own insurance


What's stopping these Clinics from offering their own insurance? There are already clinics doing this:
www.businessweek.com...

I'm not too sure about your "solutions".



posted on Mar, 23 2013 @ 04:29 AM
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Originally posted by texas thinker
Not true. Just a bunch of right wing propaganda. After all the anointed one said our health insurance and health care costs would drop under his plan. And he is the best thing since sliced bread right? NO way he was fibbing.


Very correct n stuff. Don't let those liberty-drunk Conservatives fool you!!! The moat glorious perfect one clearly said our premiums would drop a minimum of 2,500 dollars. And that this would only cost 900 billion over ten years. All those fuzzy-math numbers are Conservative hoopla and shenanigans!!!

Anyone who says otherwise is clearly a racist.



posted on Mar, 23 2013 @ 04:31 AM
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Originally posted by links234

Originally posted by bjax9er
ten years from now you will be begging for those big bad insurance companies.


I find that highly unlikely.


Oh me too.

It's only take a year or two.



posted on Mar, 23 2013 @ 05:09 AM
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The following is my opinion as a member participating in this discussion.

This has been said before, but bears repeating, memorizing, tattooing across your forehead... whatever it takes to keep this disasterpiece from occurring again:
ELECTIONS HAVE CONSEQUENCES
The sooner the average American voter magically discovers an electrical signal in the mush they call a brain and recognizes this, the better.

As an ATS Staff Member, I will not moderate in threads such as this where I have participated as a member.



posted on Mar, 23 2013 @ 11:41 AM
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off-topic post removed to prevent thread-drift


 





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