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Premiums Exploding in Many States

Leave it to the Left to come up with an Orwellian name for a program, the Affordable Care Act.

It’s not affordable, of course. And as rationing kicks in and insurers narrow their networks, there will be less care as well.

A new survey by Morgan Stanley – I’ll check, but I don’t think they’re funded by the Koch brothers – finds that health insurance premiums are increasing at perhaps the highest rate ever, according to an analysis of the study by Forbes.

From the piece:

The average increases are in excess of 11% in the small group (small business) market and 12% in the individual market. Some state show increases 10 to 50 times that amount. The analysts conclude that the “increases are largely due to changes under the ACA.”

The analysts conducting the survey attribute the rate increases largely to a combination of four factors set in motion by Obamacare:  Commercial underwriting restrictions, the age bands that don’t allow insurers to vary premiums between young and old beneficiaries based on the actual costs of providing the coverage, the new excise taxes being levied on insurance plans, and new benefit designs.

For the individual insurance market (plans sold directly to consumers); among the ten states seeing some of the sharpest average increases are: Delaware at 100%, New Hampshire 90%, Indiana 54%, California 53%, Connecticut 45%, Michigan 36%, Florida 37%, Georgia 29%, Kentucky 29%, and Pennsylvania 28%.

For the small group market, among the ten states seeing the biggest increases are: Washington 588%, Pennsylvania 66%, California 37%, Indiana 34%, Kentucky 30%, Colorado 29%, Michigan 27%, Maryland 25%, Missouri 25%, and Nevada 23%.

Below, a couple of Wall Street Journal reporters discuss the rate increases in New Hampshire, where only one insurer participated in the exchange and premiums for individual buyers are set to group 90 percent.

You know why this is happening? You know why?

BECAUSE NOTHING IN LIFE IS FREE. Someone has to pay for Obamacare and the government-planned, inefficient way it expands access to health insurance. And that’s gonna be you.

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35 Responses to Premiums Exploding in Many States

      • Hopefully Obamacare will serve to get people’s attention this coming election.
        People need to start raising hell, or these heathens are going to run US over.

          • Here in Pa. there is a Republican governor and Republicans hold a 27-23 majority in the Senate and a 111-92 majority in the House. Pa. did not expand the Medicaid program to accommodate obamacare and yet … from the WSJ there’s been a 28% and 66% increase.
            Why? Does anyone have an answer?

          • That’s where the smoke and mirrors come to the fore Sadie.
            The idea is to keep us off balance, barefoot and in the kitchen, so to say.
            Time to take our Country back.
            America had better wake up fast or we will not have an America to wake up to.

  1. The Obamacare mandate that insurance companies have to cover pre-existing conditions and certain services and tests alone would make the cost of insurance more. A fifth-grader could see that.

    Of course the entire bill’s intent is to rile the people up to the point they demand the government completely take over health care and insurance. Everyone knows this.

  2. A friend of ours was injured in a hit ‘n run auto accident last week in the SFV. Thankfully, her injuries were not life threatening – no broken bones, just contusions and abrasions.
    It took the paramedics over 45 minutes to find an area hospital with a vacant ER bed. Five hospitals were filled up. They lucked out on the sixth hospital.
    She spent about 4 hours in the ER, and was released. One x-ray was taken of her injured elbow. Her arm was placed in a sling.
    Including the ambulance ride to the hospital, her tab was $17,543.00 ! Fortunately, or unfortunately as the case may be….her 20% co-pay used up $3500 of her $6000 deductible.

    As long as ER’s are being used for the uninsured, h/c prices are going to skyrocket. What are the alleged 30M who are still uninsured going to do? Visit the ER, of course. How does this solve the problem? It’s insane!

    • The intention was never to resolve the problem and was always about centralizing and controlling the healthcare business into the hands of the feds.

    • The ERs here in AZ sign you up for Medicaid if you don’t have insurance. They depend on insured people to exist. Doctors send people to ERs when it’s not convenient to see them–it isn’t all freeloading people. I wish all medical care were like the ER–you go, can get all tests in one place, get an answer. I have been having trouble breathing for a month, tried to get a referral to a pulmonologist, in 10 days never got it, finally went to the ER yesterday–sure enough, I had pneumonia. I would never have found that out in my private doc circuit. There are a lot of misunderstandings about ERs–but they can help you. This may not be a popular viewpoint–it’s more fun to think they are full of illegals having anchor babies–but that is not the way it is.

      • The ACA is being exposed for what its true intent was. It has nothing to do with health care. Rather, it’s all about income redistribution. YES HE DID.

      • Star, my last ins job was for an AHCCCS health plan. This population does use the ER often, but worse is illegals who come to the Nogales port of entry and are encouraged to call 911. Worst case I saw, a man was blown up in his mexican meth lab, called 911 at the border he was airlifted to Phx & accrued 1.5 million in hospital expenses. Not including X-ray, lab etc. the bill was eventually sent to DC. I don’t know what happened after that.
        And that is just one case that leads to higher rates for all paying patients.

        • All that is bad but it does not negate what I said. Sometimes the ER is the only choice in the present system. If people are illegal, it’s convenient to blame “abuse” of the ER on them. I was saying that is not always how it is. If docs won’t take Medicaid or Medicare pts or are so overloaded and no Weekend Hrs of course, that they have to send people to the ER, then that is why many people go there.

          • The abuse of the ER comes from several directions and I’ll cite one brief example. A friend of mine works for a very bright psychiatrist. He’s well into his 90’s and recently not feeling well or more aptly, he’s not admitting to feeling ill and waits until the end of the day and after all his appts. are finished. He then calls his primary doctor, who is also finished working for the day, to list the problem/s. No surprise here that the primary doctor tells him to go to the ER. The shrink has done this 3x in the past 7 weeks.

          • I agree with you. Not negating your statement. I’ve also seen many doctors refuse Medicaid & Medicare patients, they can’t justify running their offices on such scant reimbursement. The health plan i worked for consistently lowered the percentages of dr pay. If their charge was $85 for a office visit their schedule of compensation was $23-27…not sustainable.
            I’m just blown away how much is wasted on treating illegals…

          • I guess where I come out is that they are human beings and if they can’t breathe like I couldn’t, they want to breathe. The ER is one-stop shopping, which is very convenient if you are mobility impaired and can’t hop in a car, hop out at an imaging place, then, hop back in and got a specialist, then a lab. ERs are here to stay, they are a revenue maker for the hospital and there we are.

          • By way of background, since we are on this subj, I tried for 10 days to get a pulmonology referral from “my doctor.” I called 2 days after asking. I waited on hold 37 mins. I was told they had three days to get back to me. So I kept on toughing it. Then I called again and they said they were trying to get my plan to approve a referral to some group miles from here–osteopaths–young, zippy, all rock climbers in their FB-like site. Even that did not come through. I felt lousy, could not breathe, no appetite, queasy, yucky. So I thought maybe Urgent Care. I had had a bad experience with them–so bad they refunded my copays, which surprised even me. What if they sent me to the ER anyway? Waste of energy. We don’t have a car. The cab cos are those dumb Priuses where someone has to shoehorn you in, your arthritic knees screaming. So Fri, I decided darn, ER! The one I picked (have had bad experiences in that hosp) is set up for urgent care type cases–no beds, recliners, no gowns, etc. You get the tests, get the answers. The answers I got may not be what I wanted to hear, but I think I can knock down the pneumonia and feel better. But medical care is an ordeal these days–I was sitting in front, after, in the hot sun, in a wheelchair, stomach giving me fits, could not breathe, not wanting to be sick and waiting for that stupid torture cab. Not a great moment. But the ER is an option and I used it. And I did not “abuse” the system with an ambulance. The copay on those is brutal.

          • I understand they are humans. True. I got so tainted with the “it’s their entitlement” as I groused about the free cab rides, free medicine, free drugs…I need to clamp my attitude. I honestly saw so much fraud & abuse I couldn’t work for the AHCCCS health plan any longer.
            My friend had stomach pain recently, she went to the ER where they gave her pain meds & sent her home. When the pain became excruciating, she had to call an ambulance. They grumpily took her to the same ER who left her in a wheelchair for 5 hours & told her she just wanted pain meds. Then her appendix burst, & she has to stay for 3 days…
            This is just the beginning until ACA is repealed.

          • And I once went to the ER with a blocked intestine and was x-rayed and sent home to a nite of agony–went back at 6:30 AM (best time, by the way) and they x-rayed me again and said you think you are blocked? I said it hurts… They came back in, oops, have been looking at the previous day’s x-ray, yup, blocked. I spent five days in the hosp on an NG tube (awful) and they said good thing it cleared bec no surgeons would have talked to you with your insurance (state high risk pool then). Sooo… But I don’t see the connection to the ACA in what you said. In AZ, I am appalled by the qual of care, but when you need some care, what are ya gonna do?

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