Individual Health Insurance Market Stabilizing, Not Collapsing: Kaiser

July 12, 2017

  • July 12, 2017 at 1:50 pm
    Tmac says:
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    Interesting! My premiums have almost doubled and my deductible for the family is $15,000. UNAFFORDABLE!

    • July 13, 2017 at 1:57 am
      Doug Fisher says:
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      What kind of horrible coverage did you have before in which your premiums are double what they used to be, while you are also on the worst possible ACA deductible plan?

      I don’t want to doubt you, because I don’t know you from Adam, but that sounds like you are either stretching the truth, or that you had help from an employer plan before and are now on your own in the ACA.

      I used this calculator from Kaiser ht tp://www.kff.org/interactive/subsidy-calculator/ and I can’t feasibly come up with a scenario in which a family with middle-class income pays any significant amount for the crap-level Catastrophic Only coverage you have selected.

      Perhaps you could provide us with more details, not that you have to, but about your family size, household income, zip code, etc. The catastrophic plan you say you are on is only available when the low-tier Bronze plan represents more than 8% of your household income, so for a family of 4 on the US Average (2 adults, 2 children), that means your household income would be over $100k annually.

      That also means the 300 hundred dollars a month or less in premium for Catastrophic Only coverage would represent a pittance of your household income, far lower of a percentage than any workplace-offered coverage I have ever had.

      I am just not seeing it unless my numbers are WAY off, and I looked in a LOT of states.

      For those with short attention spans:

      -You have catastrophic coverage only

      -The ACA ensures that people can only choose Catastrophic coverage if the Bronze Plan would be more than 8% household income. For a family of 4, that means about 100k in income in most states.
      -Rates for Catastrophic Plans are typically around or less than 300 dollars in most states.
      -That is somehow double your rates have doubled from what they were before the ACA.

      That deductible is high, but it is called catastrophic only coverage for a reason.

      I agree that the plans themselves often cost too much for the coverage they offer. The deductibles across the board are too high for each plan and their corresponding premiums, but I just can’t see how your numbers add up.

  • July 12, 2017 at 2:27 pm
    Agent says:
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    Fake Kaiser, almost all the exchanges have gone belly up and perhaps only one carrier in most states. How is this stabilizing the market?

  • July 12, 2017 at 3:19 pm
    mccluney says:
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    Fake Kaiser? Evidently Agent did not read the Foundation’s analysis.
    Report indicated that some areas have problems that were due to mixed signals from Congress and the Administration due to the uncertainty of cost sharing and the individual mandate. Instead of Congress trying to scuttle Obama Care why not fix the problems using a consortium of Democrats, Republicans, and Health Care providers.
    Having Congress who are arguably not experts in Health Care design a workable solution to a vexing problem is laughable

    • July 12, 2017 at 3:33 pm
      Agent says:
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      Were the so called Progressives expert on Healthcare? If so, why did it implode in front of the American peoples eyes? Ezekiel Emanuel lied about it and it is well known it was a Progressive lie from the start.

    • July 12, 2017 at 8:13 pm
      Natasha and Bearis says:
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      Yes, Big Govt should get out of the way and allow the insurance experts fix the MESS LEFT BEHIND BY DEMOCRAT SOCIALISTS who devised ACA to fail and lead to calls for SINGLE PAYER. The truth, as evidenced by Cana-duh and the UK, to name a few, is that Govt control of Health Insurance leads to a ‘SINGLE DELAYER’ system fraught with shortages of health care. And, by ‘Big Govt’, I include Republicans who are trying to tweak the ACA to fix it, rather than do a simple repeal and correct legal system barriers and regulations to enable the free market to devise new processes to address adverse selection, high cost risks, and suppressed competition among insurers and health care providers.

      • July 12, 2017 at 8:15 pm
        Natasha and Bearis says:
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        Oops! Run-on sentence in last post. Bear culpa.



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