Personal Impact of the ACA for VJ Users

[Teddy B 17,252]

Yeah, there's a reason those plans are $68 a month.

This seems to be the norm of all the people that are having their plans discontinued and replaced with more expensive plans that actually cover things like operations and hospital stays. People are complaining their rates are going through the roof compared to what they were paying for their old plan, but that's because their old plan was garbage.

Edited November 7, 2013 by Teddy B

[GandD 5,966]

Why are there no haters talking about how their costs are going up?

[PaulAbby 4]

I have employer based insurance. My premiums will go up $1776 (56% more) in 2014, Deductable from $1000 to 1200. Family plan. Total out of pocket up some. but total lifetime coverage the same. So i am seeing no additional coverage but alot more in costs......

[Mr. Big Dog 10,747]

I have employer based insurance. My premiums will go up $1776 (56% more) in 2014, Deductable from $1000 to 1200. Family plan. Total out of pocket up some. but total lifetime coverage the same. So i am seeing no additional coverage but alot more in costs......

How is that a result of the ACA?

[The Nature Boy 4,224]

I tried to sign on again last night

Site down

[PaulAbby 4]

How is that a result of the ACA?

You tell me,,,,, what else could it be, inflation is about the same, the coverage is the same. My insurance has rising gradually over the last 30 years at about a 3 to 4% rise. (never even close to the 56% for 2014). What else has dramatically changed but ObamaCare. The insurance company has to price its policy so that it does not go bankrupt, so they have raised thier prices to cover what they think thier cost will be next year for the changes that ObamaCare is causing.

I will state again. i have looked at my policy, my deductable is going up, my total out of pocket will go up, the total amount of coverage that they could be out is the same. I am getting no increased coverage for the increased cost!!

[Mr. Big Dog 10,747]

You tell me,,,,, what else could it be, inflation is about the same, the coverage is the same. My insurance has rising gradually over the last 30 years at about a 3 to 4% rise. (never even close to the 56% for 2014). What else has dramatically changed but ObamaCare. The insurance company has to price its policy so that it does not go bankrupt, so they have raised thier prices to cover what they think thier cost will be next year for the changes that ObamaCare is causing.

I will state again. i have looked at my policy, my deductable is going up, my total out of pocket will go up, the total amount of coverage that they could be out is the same. I am getting no increased coverage for the increased cost!!

I tell you? You are claiming that the ACA is causing your premiums to rise and your deductibles to go up. I thought you would know why you make that claim but it turns out you're just making an uninformed assumption. Employer group plans are largely unaffected by Obamacare. Unless, of course, you have a group plan that did not meet the minimum coverage requirements under ACA. But you're saying that your coverage doesn't change so it would appear that your insurance premiums are going up for some other reason.

Edited November 8, 2013 by Mr. Big Dog

[Dan J 277]

You tell me,,,,, what else could it be, inflation is about the same, the coverage is the same. My insurance has rising gradually over the last 30 years at about a 3 to 4% rise. (never even close to the 56% for 2014). What else has dramatically changed but ObamaCare. The insurance company has to price its policy so that it does not go bankrupt, so they have raised thier prices to cover what they think thier cost will be next year for the changes that ObamaCare is causing.

I will state again. i have looked at my policy, my deductable is going up, my total out of pocket will go up, the total amount of coverage that they could be out is the same. I am getting no increased coverage for the increased cost!!

ACA has been a convenient scapegoat for some employers to shift more costs on employees.

[Dakine10 5,452]

You tell me,,,,, what else could it be, inflation is about the same, the coverage is the same. My insurance has rising gradually over the last 30 years at about a 3 to 4% rise. (never even close to the 56% for 2014). What else has dramatically changed but ObamaCare. The insurance company has to price its policy so that it does not go bankrupt, so they have raised thier prices to cover what they think thier cost will be next year for the changes that ObamaCare is causing.

I will state again. i have looked at my policy, my deductable is going up, my total out of pocket will go up, the total amount of coverage that they could be out is the same. I am getting no increased coverage for the increased cost!!

Most peoples group coverage has been projected to increase by 7-10% this year, slightly more than an average year, but nothing that explains some of the figures that have been posted. Does the employers share of the premium also go up by the same amount?

If it was me, I would be on the line with the benefits dept asking for clarification. Get the answer straight from the horses mouth.

Since I haven't posted about the thread topic yet - I just changed from Kaiser to a Cigna CDHP plan for next year because the Cigna premiums actually went down slightly, although its only about half a percent. The Kaiser plan increased by about 7% and the Kaiser network coverage is a little spotty in our area.

Family coverage for me is $154 a month, employers share is $497. The plan has a $2000 deductable and the employers kicks in $1000 of that in a HRA. Insurance is straight 95% coverage with no copay after deductable, and OOP limit is $5000. All that assumes in network coverage.

[Dakine10 5,452]

I tell you? You are claiming that the ACA is causing your premiums to rise and your dectibles to go up. I thought you would know why you make that claim but it turns out you're just making an uninformed assumption. Employer group plans are largely unaffected by Obamacare. Unless, of course, you have a group plan that did not meet the minimum coverage requirements under ACA. But you're saying that your coverage doesn't change so it would appear that your insurance premiums are going up for some other reason.

It's hard to tell without seeing the specifics of a plan, but I also wouldn't discount the possibility that some employers may be taking advantage of the Obamacare hysteria to negotiate cheaper (for them) coverage and passing that along to employees.

[Dakine10 5,452]

ACA has been a convenient scapegoat for some employers to shift more costs on employees.

Oops. You beat me to the punch. This is exactly what is happening in some cases.

[BatmanUSA 105]

I tell you? You are claiming that the ACA is causing your premiums to rise and your dectibles to go up. I thought you would know why you make that claim but it turns out you're just making an uninformed assumption. Employer group plans are largely unaffected by Obamacare. Unless, of course, you have a group plan that did not meet the minimum coverage requirements under ACA. But you're saying that your coverage doesn't change so it would appear that your insurance premiums are going up for some other reason.

Uninformed assumptions...

great statement...! that perfectly explains why we have Obamacare...

you have to vote for it first, then read it to know what is in it.!!

Why did Obama give exemptions ...???

obviously Obamacare has changed health insurance, and his new plan reflected changes imposed by Obamacare.. Even an blind idiot Obama supporter should be able to make the connection.... WHOOSH..!!

[Dakine10 5,452]

Uninformed assumptions...

great statement...! that perfectly explains why we have Obamacare...

you have to vote for it first, then read it to know what is in it.!!

Why did Obama give exemptions ...???

obviously Obamacare has changed health insurance, and his new plan reflected changes imposed by Obamacare.. Even an blind idiot Obama supporter should be able to make the connection.... WHOOSH..!!

The only group plans which are going to change directly because of Obamacare are substandard ones for obvious reasons, and extremely generous plans. The generous ones are subject to the so called "cadillac tax" starting in 2018. That is a 40% excise tax on group plans benefits more than $10200 for individuals and $27500 for families. Very few plans fall into this category, but if it does, the employer is likely already making changes to make the plan compliant with the ACA.

The things you have been posting about are applicable to individual plans, not group plans.There are major differences in how the ACA applies to each one.

[Mr. Big Dog 10,747]

Most peoples group coverage has been projected to increase by 7-10% this year, slightly more than an average year, but nothing that explains some of the figures that have been posted. Does the employers share of the premium also go up by the same amount?

If it was me, I would be on the line with the benefits dept asking for clarification. Get the answer straight from the horses mouth.

Since I haven't posted about the thread topic yet - I just changed from Kaiser to a Cigna CDHP plan for next year because the Cigna premiums actually went down slightly, although its only about half a percent. The Kaiser plan increased by about 7% and the Kaiser network coverage is a little spotty in our area.

Family coverage for me is $154 a month, employers share is $497. The plan has a $2000 deductable and the employers kicks in $1000 of that in a HRA. Insurance is straight 95% coverage with no copay after deductable, and OOP limit is $5000. All that assumes in network coverage.

Wow, that's an inexpensive plan. $650 a month for 95/5 family coverage and $2K annual deductible? Not heard of around here.

[Mr. Big Dog 10,747]

Uninformed assumptions...

Exactly. If the poster was informed, he or she could explain how the increases relate to the ACA. he or she could not and neither can you. You can only troll this thread thinking you're funny. You're really not.

Why did Obama give exemptions ...???

That's less mysterious that you might think. Google is your friend. Educate yourself.

obviously Obamacare has changed health insurance, and his new plan reflected changes imposed by Obamacare..

Hasn't changed mine except for the provision that children may remain on my coverage until they turn 26. That provision went live years ago and would be a hard case to make that it impacts premiums this year.

Even an blind idiot Obama supporter should be able to make the connection.... WHOOSH..!!

Or is it rather the blind hater that will blame the ACA no matter what?