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Post by katieanna on Nov 6, 2016 11:58:24 GMT
I just received notice this week from BCBS that my premiums for next year will see a 70 percent increase. Needless to say, they were expensive enough this year and makes next year's premiums unaffordable. I'm taking a different route next year. My sister's pastor received notice that his is going up 100 percent. I expected an increase but nothing like this. Is this the exception for 2017 or are others getting similar notices?
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AnotherPea
Pearl Clutcher
Posts: 2,968
Jan 4, 2015 1:47:52 GMT
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Post by AnotherPea on Nov 6, 2016 12:23:29 GMT
Mine increased about 20%, but it is admittedly pretty low, so the impact isn't so great. I am hearing about lots of friends that are seeing jumps of $200 or more per month.
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Post by lisae on Nov 6, 2016 12:28:41 GMT
Mine is 30%. I haven't yet shopped for alternative plans. I shopped last year but the numbers didn't work for me as the cheaper plans didn't cover my one expensive prescription as well. I think the average is 25% increase. This is definitely something for the next president to tackle. I believe there are solutions without starting over entirely. My insurance increased every year prior to the ACA. I think the most was 15 or 16% in one year.
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Post by Layce on Nov 6, 2016 12:29:06 GMT
Hillary Clinton has been an active proponent of affordable family healthcare for 25 years. If anyone can clean this mess up she can.
CLINTON 2016!
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Post by Merge on Nov 6, 2016 12:31:14 GMT
Hillary Clinton has been an active proponent of affordable family healthcare for 25 years. If anyone can clean this mess up she can. CLINTON 2016! Yes, Trump supporters should note that she stood on stage in the debate (With Donald looming behind her) and candidly said, "The current system isn't working. We need to fix it." All we hear from the other side is repeal, repeal, repeal. With no cohesive plan for what to do next.
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Post by lovetodigi on Nov 6, 2016 13:09:36 GMT
I guess we are lucky this go around. We have Aetna through DH work place but we could choose either Aetna or BC/BS and the price is the same. Our is just going up 3% and we have the highest plan, one that has a deductible of $750. We pay small co-pays for office visits. There are things that we can do throughout the year to get rebates from the company. Many of them are just going online and viewing videos, or getting a physical, or filling out a questionnaire. As an example, if you both can truthfully sign a statement that you don't smoke, you each get $50. The rebates help to reimburse you for part of the cost of the insurance. It is just crazy that insurance companies are trying to gouge so many people. I am sorry for everyone that is getting hit by drastically higher costs. I don't know how they expect people to pay so much and yet be able to do things to be healthier, like buy healthy foods and go to a gym. It is not likely to change until the insurance companies are taken out of the pockets of fine people of congress.
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maurchclt
Pearl Clutcher
Posts: 3,617
Jul 4, 2014 16:53:27 GMT
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Post by maurchclt on Nov 6, 2016 13:13:29 GMT
A 70% increase!!! That is beyond understanding how a family can afford that. Good luck with finding new insurance.
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Post by cindosha on Nov 6, 2016 13:21:51 GMT
Yeah, I'd just like to see Hillary try and fix it. She was one of the ones that started this fiasco in the first place.
She's not going to be able to "fix it". We are all screwed. Be prepared for the costs to go up and up and up!!!
Cindy
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Post by Sharon on Nov 6, 2016 13:33:28 GMT
Our insurance went up over 50%. We never saw increases like this before that stupid ACA!!!
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Post by betty on Nov 6, 2016 13:49:11 GMT
70% is crazy!! Ouch!
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JustTricia
Pearl Clutcher
Posts: 2,825
Location: Indianapolis
Jul 2, 2014 17:12:39 GMT
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Post by JustTricia on Nov 6, 2016 14:20:01 GMT
The person I worked with the last two years sent me a quote this year. She's down to only one company she can quote in the entire state (not who I have had before). The premium more than doubled from last year. Needless to say, I sent her a nice email thanking her for her time and help over the last two years, but I would be looking at healthcare.gov.
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Post by iamkristinl16 on Nov 6, 2016 14:50:22 GMT
Ours is going up slightly but not much.
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Deleted
Posts: 0
May 2, 2024 21:53:28 GMT
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Post by Deleted on Nov 6, 2016 15:23:01 GMT
Hillary Clinton has been an active proponent of affordable family healthcare for 25 years. If anyone can clean this mess up she can. CLINTON 2016! Yes, Trump supporters should note that she stood on stage in the debate (With Donald looming behind her) and candidly said, "The current system isn't working. We need to fix it." All we hear from the other side is repeal, repeal, repeal. With no cohesive plan for what to do next. Right. It would be wrong and irresponsible to slam through a health plan with no cohesive plan for its success or sustainability. SaveSave
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Post by yivit on Nov 6, 2016 15:23:34 GMT
We have our "open enrollment" meeting this coming Wednesday to see what our benefits are for CY2017. I prefer to call it "open season on employees." DD ages out on her birthday in 2017 (and just started working at Starbucks again so she could qualify for insurance, since her first job doesn't offer any) and son has insurance available through his job but has been on mine because I don't get any break in out-of-paycheck costs (employee-plus-child/ren). After I find out what's what, the kids an I will have to sit down to figure everything out. DD can, in theory, wait until February when she ages out to change as that would be a qualifying event, but I don't know if I can change from emp+kids to emp-only with DS still eligible, so we may all be making insurance changes for the new year during this time. I need to bug them and ask when their company open enrollment timeframes are too, because if they've already come and gone it'll just have to be dealt with in February.
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Post by Merge on Nov 6, 2016 15:31:10 GMT
Yes, Trump supporters should note that she stood on stage in the debate (With Donald looming behind her) and candidly said, "The current system isn't working. We need to fix it." All we hear from the other side is repeal, repeal, repeal. With no cohesive plan for what to do next. Right. It would be wrong and irresponsible to slam through a health plan with no cohesive plan for its success or sustainability. SaveSaveWell, as you may recall, Hillary ran against Obama in 2008 pushing for a single-payer plan, not for this mess she's going to inherit. And it may be that what she has to do to fix it more closely approaches a single-payer plan. Whatever is done, it is at least a step forward. I'm continually amazed at the number of people who act like our healthcare system was all hunky dory and like costs were not rising before Obama started messing with it. ETA: We have too many young, healthy people choosing to pay the "fine" instead of buying insurance. That's the part of the problem that was not accurately predicted. That option needs to go away so that those of us who are older and/or have children are not bearing the entire healthcare cost. And I continue to believe that insurance companies need to go away. A large chunk of our increased costs go right into their pockets.
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~Lauren~
Pearl Clutcher
Posts: 3,876
Jun 26, 2014 3:33:18 GMT
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Post by ~Lauren~ on Nov 6, 2016 16:03:14 GMT
How good of her to recognize that the current system isn't working when she was fully in favor of it's implementation.
As usual, she says what she thinks people want to hear.
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Post by Merge on Nov 6, 2016 16:16:39 GMT
How good of her to recognize that the current system isn't working when she was fully in favor of it's implementation. As usual, she says what she thinks people want to hear. Can you detail Trump's plan for fixing healthcare for us? I can't seem to find much on his website about it.
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Post by Layce on Nov 6, 2016 18:20:52 GMT
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Deleted
Posts: 0
May 2, 2024 21:53:28 GMT
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Post by Deleted on Nov 6, 2016 18:53:58 GMT
There is an alternative to repeal. The replace plan involves keeping some of the "good" rules, like you can't be dropped. And it involves opening up competition nationwide so that the risks are spread out more. Right now, you are only eligible to buy insurance within your state, which makes your high-risk folks very expensive for everyone.
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Post by Freefallfast on Nov 6, 2016 19:43:17 GMT
Why is this not simply a case of the insurance companies, big pharma and hospitals being greedy?
Health insurance has never gone down in price in my history. Every year it goes up. THIS year the only difference is they can incorrectly blame it on the President.
I truly do not understand.
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Post by ntsf on Nov 6, 2016 20:11:45 GMT
selling insurance across the states is no solution.. the companies would have to follow the laws in each state..making it more complex.. and the insurance companies are not jumping up and down to do this. www.naic.org/documents/topics_interstate_sales_myths.pdf. maybe being able to buy into medicare would be good.. they are one of the most efficient deliverers of health care.. low admin costs. but then congress would have to increase the rate of payment so doctors would take it. and we need more primary care providers..like nurse practitioners.
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Post by happyOCgirl on Nov 6, 2016 20:17:40 GMT
Grrrrr...this makes me so mad. I, too, had a 70% increase this next year. I choose to have PPO. I always thought I will pay to not have HMO. However, the increase this year is now out of my budget. I'm a teacher. I have not had a pay increase in 5 years. I teach enrichment classes to balance the increase in my utilities and insurance. I cut cable and my land line completely. Not only did my monthly payment go up hundreds of dollars, my deductible - for just me - went up thousands! I now have to have HMO. Which, is now the same price my PPO was two years ago.
I guess if I felt everyone was paying 'their fair share' and getting the coverage, I would suck it up. However, I know too many people who are getting crap coverage. Then, there was my cousin - an example of what really pisses me off. She was a meth and heroin user. She was a prostitute and a drug dealer. She was put on the list for a liver transplant!!!!! She got 3 sets of dentures because she lost/sold her other ones. She has never had a job or paid taxes her entire life. She was given every handout available - including prescription medication so she wouldn't use illegal drugs (of course, she used both). She was in rehab too many times to keep track of. Her housing and all expenses were taken care of. She refused to volunteer - even at the food banks where she got all of her food. She would say 'they' can't tell her what to do and she doesn't have to do anything. She was on life support for over a week before she died. All of her expenses were paid for by our taxes! How we can not ask someone who was in the system for over 2 decades to do anything is beyond me. I'm tired of excuses and exceptions. My Dad was exposed to Agent Orange, is deaf in his right ear, and had shrapnel that damaged the nerves in his leg and foot. His disability was reduced. Go figure.
Thanks for reading my vent. I really hope as a nation, we can expect more and do better as a whole. I would love to think my increased premiums and taxes are going towards my 66 year old aunt who has the mentality of a two year old, but I know they don't because all of my relatives contribute to her care.
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Post by crazy4scraps on Nov 6, 2016 20:36:52 GMT
Right. It would be wrong and irresponsible to slam through a health plan with no cohesive plan for its success or sustainability. SaveSaveWell, as you may recall, Hillary ran against Obama in 2008 pushing for a single-payer plan, not for this mess she's going to inherit. And it may be that what she has to do to fix it more closely approaches a single-payer plan. Whatever is done, it is at least a step forward. I'm continually amazed at the number of people who act like our healthcare system was all hunky dory and like costs were not rising before Obama started messing with it. ETA: We have too many young, healthy people choosing to pay the "fine" instead of buying insurance. That's the part of the problem that was not accurately predicted. That option needs to go away so that those of us who are older and/or have children are not bearing the entire healthcare cost. And I continue to believe that insurance companies need to go away. A large chunk of our increased costs go right into their pockets. That's what I thought too. Didn't Obama's original plan have a public option and that was scuttled before the final thing was passed? Here's the Wiki on it.DH and I have been self employed for over 20 years, so we get to pay ALL of our health care costs out of pocket. Even before the ACA our premiums had been going up in double digit percentages every single year. The premium for our family of three is going up by about $100 next year.
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Post by Merge on Nov 6, 2016 20:53:37 GMT
Well, as you may recall, Hillary ran against Obama in 2008 pushing for a single-payer plan, not for this mess she's going to inherit. And it may be that what she has to do to fix it more closely approaches a single-payer plan. Whatever is done, it is at least a step forward. I'm continually amazed at the number of people who act like our healthcare system was all hunky dory and like costs were not rising before Obama started messing with it. ETA: We have too many young, healthy people choosing to pay the "fine" instead of buying insurance. That's the part of the problem that was not accurately predicted. That option needs to go away so that those of us who are older and/or have children are not bearing the entire healthcare cost. And I continue to believe that insurance companies need to go away. A large chunk of our increased costs go right into their pockets. That's what I thought too. Didn't Obama's original plan have a public option and that was scuttled before the final thing was passed? Here's the Wiki on it.DH and I have been self employed for over 20 years, so we get to pay ALL of our health care costs out of pocket. Even before the ACA our premiums had been going up in double digit percentages every single year. The premium for our family of three is going up by about $100 next year. My premiums have gone up every year since I've been employed. I remember paying something like $50/month for insurance when I was young and childless, and even after we had kids, the premiums must have been reasonable, because we were dead ass broke at that time. Hillary was quoted recently as saying that a full public option is not a realistic plan only because it will never make it through Congress. Republicans are dead set against anything they think smacks of socialism. What is more likely is partial public plan funded by taxes - basically an expansion of Medicare - that will offer basic coverage to anyone who wants it, and then the usual panoply of private plans for those who want a more comprehensive coverage, more choice of physicians, etc. Similar to the way our school system works, with public available for everyone and private for those who want it/can afford it. Employers will benefit as many middle class and working class folks will opt out of their employer-sponsored plan and go on the universal one, so this could be funded in part by an increase in payroll taxes. But the other thing we need to address, truly, is the incredible price-gouging that goes on in the medical industry. There's no good reason why someone's Epi-pen should cost several hundred dollars, or that the medication I'm currently taking to help with my weight (which is a rebranded version of an old seizure medication used for decades) should cost several hundred dollars. These are not cutting edge new medications that they're trying to recoup research and marketing costs on. I don't know what the answer is there, but it's ridiculous.
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Post by papercrafteradvocate on Nov 6, 2016 21:04:01 GMT
Hillary Clinton has been an active proponent of affordable family healthcare for 25 years. If anyone can clean this mess up she can. CLINTON 2016! Yes, Trump supporters should note that she stood on stage in the debate (With Donald looming behind her) and candidly said, "The current system isn't working. We need to fix it." All we hear from the other side is repeal, repeal, repeal. With no cohesive plan for what to do next. I actually read (trying to find a link) in the last week that Donald's plan is for people to use their own savings/healthcare savings accounts to pay for their own medical. Clearly the richest will get the best health care, and those who don't have or have exhausted their healthcare spending would be fucked, if this is his idea.
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Post by gorgeouskid on Nov 6, 2016 21:14:52 GMT
My premium went from $0 to $738. Monthly.
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Post by gale w on Nov 6, 2016 21:26:07 GMT
Ours almost doubled the first year. Then it went up about 50% each year. It will be up to $2200 per month with a 6K times two deductible next year so we have to find a new plan. No way we can afford that kind of increase. We were struggling with the last one. We'll have to discontinue the HSA because the cost of HSA plans is higher than the tax savings we got from it. I just checked BCBS which is who we're with now, and the cheapest plan we can get is $1600. So we'll probably have to switch companies.
ETA:Before the ACA our premium went up about 15% or less per month each year.
ETA: I was wrong. The cheapest plan is $1900. The $1600 plan shown was our current plan (I guess they keep that one at the top for comparison).
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Post by mikklynn on Nov 6, 2016 22:57:21 GMT
Mine, through my employer is going up over 100% for the premiums. The company still pays a big chuck towards the premiums. The copays and deductible went up a little. It will cost me $200 per month more.
A big problem is not the ACA, but rather the cost of health care. DH's costs are over $600k to date this year.
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Post by refugeepea on Nov 6, 2016 23:03:59 GMT
Yeah, I'd just like to see Hillary try and fix it. She was one of the ones that started this fiasco in the first place. She's not going to be able to "fix it". We are all screwed. Be prepared for the costs to go up and up and up!!! Cindy Definitely all screwed. No matter who wins, it will be politics as usual; nothing gets resolved. Campaign promises are one thing; implementation another. I'd love to be proven wrong, but fool me once....
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Post by bluecrafterperson on Nov 6, 2016 23:16:16 GMT
My guess is that if Hillary gets into office, this country will be getting more of the same--that includes high insurance costs.
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