Obamacare cost

[nightfighter]

Better half works for a major health insurance company. So we are able to identify the cost increase directly due to Obamacare in our household.... 27 paychecks in 2014 with a $60.00 increase per paycheck. That's a $1620.00 increase in our annual budget....


Not taking questions from those supporting the administration without contributions in USD. Bitcoin not accepted.

[justplugit]

But, But you should be saving $2500 on your plan.

[Fly Rod]

Spence will prove UUUUU wrong.....LOL..

did read yesterday where Obamacare cost is going to go up 41% for single payer.
Aetna insurance may pullout

Even if we did get a republican prsident in 2016 may be to late to get rid of the failed Obamacare.

[basswipe]

I am in the same exact situation Nightfighter.What really scares me is when the employer mandate kicks in we could face the possibility of increases so large that we simply couldn't afford the insurance and would be forced into the exchange and receive substandard insurance because we would not qualify for any type of government subsidy that would help pay for insurance that we could actually use.

[tysdad115]

I'm certain he will explain it clearly and honestly tonight in the state of the union address. Maybe you can warm up with our esteemed guvna's state of the state address before the potus comes on and blows more smoke up your balloonknot. Must see tv for hours tonight!!

[PaulS]

Originally Posted by nightfighter

Better half works for a major health insurance company. So we are able to identify the cost increase directly due to Obamacare in our household.... 27 paychecks in 2014 with a $60.00 increase per paycheck. That's a $1620.00 increase in our annual budget....


Not taking questions from those supporting the administration without contributions in USD. Bitcoin not accepted.

So what where the costs attributed to? I'd be interested in hearing. It is my understanding that of all the things implemented in 2014, most only apply to plan changes (like changing a deductible, no pre ex.). I don't think she would be able determine the cost impact of that (unless she was involved in the pricing of the benefits). There is a "traditional reinsurance fee" for 2014 - 2016 but that is somewhere in the range of $5 - $6 per member per month (I think $5.25). My company takes the reinsurance fee out of my check - it is a line item. There is an "insurers fee" but I believe that is only on fully insured plans and since she works for an insurance company, they are most likely self funded so that probably does not apply.

Is she an actuary? They would be able to tell you what the cost of the ACA was for the company.

[RIROCKHOUND]

Originally Posted by nightfighter

Better half works for a major health insurance company. So we are able to identify the cost increase directly due to Obamacare in our household.... 27 paychecks in 2014 with a $60.00 increase per paycheck. That's a $1620.00 increase in our annual budget....


Not taking questions from those supporting the administration without contributions in USD. Bitcoin not accepted.

Can I ask a clarifying question?
What if any were the increases over the last few years?



My contribution 2014, to my healthcare is ~$3,100/yr with dental, vision etc...

[spence]

Originally Posted by RIROCKHOUND

Can I ask a clarifying question?
What if any were the increases over the last few years?



My contribution 2014, to my healthcare is ~$3,100/yr with dental, vision etc...

A good question. A lot of the flap around this is change that's been happening regardless. Also, if you could attribute an increase specifically to the ACA the benefits would have to be factored in as well.

I think my first son cost me a few hundred bucks out of pocket. seven years later the next cost me a few grand. The system was out of control...
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[PaulS]

Originally Posted by spence

A good question. A lot of the flap around this is change that's been happening regardless. Also, if you could attribute an increase specifically to the ACA the benefits would have to be factored in as well.

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The law imposed mandates, got rid of annual dollar limits (made them unlimited), said no pre-existing conditions limits, said deductible caps cannot exceed $2k for indiv. or $4K for families on grandfathered, amongst other things. So the law certainly increased costs. Some of these may not apply to their plan.

I just don't know that the average person can attribute a $ amount to the ACA.

[buckman]

Originally Posted by PaulS

The law imposed mandates, got rid of annual dollar limits (made them unlimited), said no pre-existing conditions limits, said deductible caps cannot exceed $2k for indiv. or $4K for families on grandfathered, amongst other things. So the law certainly increased costs. Some of these may not apply to their plan.

I just don't know that the average person can attribute a $ amount to the ACA.

And it mandates that kids can stay on the family plan until they are 26 .
You got to love magic .....
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[RIROCKHOUND]

Originally Posted by buckman

And it mandates that kids can stay on the family plan until they are 26 .
You got to love magic .....
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I did until 24.
I was not living at home, but was enrolled in graduate school.


It also doesn't mandate THEY HAVE to stay on the plan if they are employed....

[basswipe]

It is absolutely mind-blowing reading what Obamacare supporters will say to defend this crap and the people who made this possible.

Obamacare is driving up the cost of all pre-obamacare healthcare plans because it has to.How do you think the working folks in this country are going to be able to continue to carry this welfare-state? He might as well have given every working American the one-finger salute and said I'll just raise taxes.

Obama supporters live in a delusional world.

[RIROCKHOUND]

Originally Posted by basswipe

It is absolutely mind-blowing reading what Obamacare supporters will say to defend this crap and the people who made this possible.

Obamacare is driving up the cost of all pre-obamacare healthcare plans because it has to.How do you think the working folks in this country are going to be able to continue to carry this welfare-state? He might as well have given every working American the one-finger salute and said I'll just raise taxes.

Obama supporters live in a delusional world.

I asked a simple question about cost, and pointed out that at least anecdotally, most kids past 11 or 22 are not staying on their parents plans to mooch.

How did I come out and defend the ACA? I even gave ross my costs since he asked...
I was 24 well before the ACA, thats for damn sure.

[PaulS]

I also don't understand where anyone was defending the ACA. People were just asking for clarification.

[RIROCKHOUND]

Where did anyone defend the ACA?

[basswipe]

Originally Posted by PaulS

I also don't understand where anyone was defending the ACA. People were just asking for clarification.

We're gonna do a double quote here Paul.

The law imposed mandates, got rid of annual dollar limits (made them unlimited), said no pre-existing conditions limits, said deductible caps cannot exceed $2k for indiv. or $4K for families on grandfathered, amongst other things. So the law certainly increased costs. Some of these may not apply to their plan.

I just don't know that the average person can attribute a $ amount to the ACA.

Notice your last sentence.Trust me when I say this:the average person CAN attribute a $ amount to Obamacare.Don't underestimate the "average" person...us "average" people HAVE to pay attention to every penny...its how us "average" people survive.

[PaulS]

Originally Posted by basswipe

We're gonna do a double quote here Paul.



Notice your last sentence.Trust me when I say this:the average person CAN attribute a $ amount to Obamacare.Don't underestimate the "average" person...us "average" people HAVE to pay attention to every penny...its how us "average" people survive.

It is how I survive also.

So what was the dollar amount attributed to the ACA?

I said earlier that my company added a line on my paycheck that stated I was paying the traditional reinsurance fee of approx. $5.25 per member per month. If my health coverage went up from 2013 to 2014 some of it is attribute to normal medical inflation that has happened every year and some due to the increased costs of the ACA. I just don't know what the amount was for each - and I highly doubt anyone else does.

[basswipe]

Originally Posted by PaulS

It is how I survive also.

So what was the dollar amount attributed to the ACA?

I said earlier that my company added a line on my paycheck that stated I was paying the traditional reinsurance fee of approx. $5.25 per member per month. If my health coverage went up from 2013 to 2014 some of it is attribute to normal medical inflation that has happened every year and some due to the increased costs of the ACA. I just don't know what the amount was for each - and I highly doubt anyone else does.

Are you listening to yourself?What year did this so called "re-insurance fee" all of sudden become "traditional"?

I never paid a "traditional re-insurance fee" until what year<fill in the blank>?

[PaulS]

Yes, and I stated 2 times that it is between $5 and $6 per member per month. It goes from 2014 - 2016. That adds up to $10 per month for Ross and his better half.

Where did the other $50 come from?

[RIROCKHOUND]

Ross posted the increase for this year... what was your increase in 2014? What was the increase in 2011-2012 or 2007-2008?

Insurance sucks. Costs go up. No defense of ACA here... But it needs to be blamed where it is causing a change in price, not just for the sake of it.

[RIROCKHOUND]

Originally Posted by The Dad Fisherman

This was a nice civil conversation...let's get back to the issue at hand and discuss, rationally, Obamacare

Thank you.



Ross posted the increase for this year... what was the increase in 2014? What was the increase in 2011-2012 or 2007-2008 before the ACA? Hell before Obama?

Our costs have been climbing relatively steadily... we just switched from my wife's employer to mine (cheaper) for the same coverage...

[Raven]

Don't worry ....he'll reverse his STANCE tomorrow....
oh wait ... Presidential Weed is Not Illegal anymore
then it is.... maybe it won't be....
Pass the waffles...

[basswipe]

Its a shame.There's just no room for free thinking here.

This is a fishing website WTF is there a politics forum here anyway?

JohnR grant me the same Favor you did Salty.Please.This is nowhere the place it used to be.It used to be great when it was just about fishing.I have a life I have to to try get on with and I simply can no longer deal with people who wish to make it harder.Please ban me...really.

[The Dad Fisherman]

Cleaned up and carry on

[basswipe]

Since I haven't been banned yet,one last post:

Rock,PaulS,Spence and all the others...you guys win.I give up.Surrender I do as I was never going to win here.

Tight lines to all......if that even matters here anymore.

[basswipe]

Originally Posted by The Dad Fisherman

Cleaned up and carry on

I'm gonna keep going till JohnR grants me my wish.Screw my "last" post.

Excellent cleanup TDF.Awesome editing on your part,love the editing of my post and the deletion of yours framing the timeline of both mine and PaulS's posts to make me look like an ass.Awesome job.

BAN ME JOHNR!!!

[buckman]

Originally Posted by RIROCKHOUND

I did until 24.
I was not living at home, but was enrolled in graduate school.


It also doesn't mandate THEY HAVE to stay on the plan if they are employed....

That's why I said "can"
You're a smart guy so I'm sure you can figure out that if they " can " then they will. Even if the company they work for offers it , there is usually a financial incentive offered to exempt out of the company health program .
Not only does this eff up the seriously flawed math used in Obama Care ( ill stick to calling it that , thank you ) but it cost the insurance company immensely , which is passed on to you .
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[Mr. Sandman]

The problem with subjects like politics and religion is that they are personal beliefs, and discussions become hostile and always seem to escalate to personal attacks. Countries go to war on the same subject matter. Personally, I would like to see this entire site wiped clean of anything not related to fishing or boating. There are plenty of hostile sites out there to vent your anger with those that despise you.

I have thought about pulling a "salty" as well at times, but I actually like many of the people here and have learned a lot about things I knew little about so I stick it out. I swing by the politics thread from time to time when I see an interesting topic but I always regret it.

[PaulS]

Originally Posted by basswipe

I'm gonna keep going till JohnR grants me my wish.Screw my "last" post.

Excellent cleanup TDF.Awesome editing on your part,love the editing of my post and the deletion of yours framing the timeline of both mine and PaulS's posts to make me look like an ass.Awesome job.

BAN ME JOHNR!!!

I'm not sure if you're blaming me? I'm still trying to get my original question answered
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[Raven]

i only voted for NIXON
that's How DEEEEEP my hatred for POLI TICKS
>>>>>>>>>>>> IS <<<<<<<<<<<<<<<<<