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How much will Obamacare premiums cost?


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#1    questionmark

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Posted 25 September 2013 - 03:31 PM

Washington Post said:


A 27-year-old in Austin who earns $25,000 could pay $85 per month for health insurance next year, and a family of four in St. Louis with income of $50,000 might face a $32 monthly premium, according to new federal data on health insurance rates under the Affordable Care Act.

The report, released Wednesday by the Department of Health and Human Services, showed significant variation in the insurance premiums that Americans shopping on the individual market could pay under the president’s health-care overhaul. Across the 48 states for which data were available, the unsubsidized monthly premiums could be as low as $70 for an individual and as high as $1,200 for a moderate plan for a family of four.

The average national premium for an individual policy will be $328 in 2014, before including any of the tax credits that will be available to low- and middle-income Americans to help them purchase coverage.

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#2    Bama13

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Posted 25 September 2013 - 05:37 PM

View Postquestionmark, on 25 September 2013 - 03:31 PM, said:


Lots of coulds and mights. Many things could happen, or might happen. I could win the lottery. I might have a rich uncle I don't know.

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#3    aztek

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Posted 25 September 2013 - 05:49 PM

open enrolment time is almost here, in a month or two we'll have hard numbers before an after aca. than we'll talk

Edited by aztek, 25 September 2013 - 05:49 PM.

RESIDENT TROLL.

#4    preacherman76

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Posted 26 September 2013 - 11:01 AM

View Postaztek, on 25 September 2013 - 05:49 PM, said:

open enrolment time is almost here, in a month or two we'll have hard numbers before an after aca. than we'll talk

I dont need em. My insurance has already risen so high that Im no longer covered.

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#5    Agent0range

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Posted 26 September 2013 - 11:16 AM

Did your insurance tell you why it rose so high?  A reason that actually makes sense?  Mine went up $4 a month for the open season that starts on Monday.


#6    preacherman76

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Posted 26 September 2013 - 12:27 PM

View PostAgent0range, on 26 September 2013 - 11:16 AM, said:

Did your insurance tell you why it rose so high?  A reason that actually makes sense?  Mine went up $4 a month for the open season that starts on Monday.

Mine doubled in price, twice. Why? They didnt say. But in light of resent legislation I dont think its hard to figure out. I have a family of 4 and am just above the poverty line.

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#7    questionmark

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Posted 26 September 2013 - 12:35 PM

View Postpreacherman76, on 26 September 2013 - 12:27 PM, said:

Mine doubled in price, twice. Why? They didnt say. But in light of resent legislation I dont think its hard to figure out. I have a family of 4 and am just above the poverty line.
Then you should be happy about Obamacare as you will get a tax deduction that might make up for some increases.

Besides that, insurance companies always round up sheeple with low premiums and then increase them over the years. Standard procedure.

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#8    preacherman76

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Posted 26 September 2013 - 12:38 PM

So basicaly, to listen to 0bamacare supporters, Im the exact type of person who should have been helped the most by this legislation. Poor folks already get free medical. and upper middle class and the rich can afford higher costs. But lower middle class like myself seem to be the ones hit hardest. Now Star has told me that I should qualify for some type of government help, but screw that. Last thing I want is to be a burden to tax payers. I have paid my own way since I was 16. I have never had a problem supporting my family. There is no reason a person like myself should have to rely on hand outs. The very thought makes me want to puke.

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#9    preacherman76

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Posted 26 September 2013 - 12:43 PM

View Postquestionmark, on 26 September 2013 - 12:35 PM, said:

Then you should be happy about Obamacare as you will get a tax deduction that might make up for some increases.

Besides that, insurance companies always round up sheeple with low premiums and then increase them over the years. Standard procedure.

Im not getting a deduction Q. Im getting a fine at the end of the year. Nor was my premium low to begin with. And to top it off, this didnt take years. All this happened over the last year. Not only did they raise the price so high I can no longer cover myself, but they also cut what services they provide in half, and doubled my co-pays as well.

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#10    Agent0range

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Posted 26 September 2013 - 12:46 PM

View Postpreacherman76, on 26 September 2013 - 12:38 PM, said:

So basicaly, to listen to 0bamacare supporters, Im the exact type of person who should have been helped the most by this legislation. Poor folks already get free medical. and upper middle class and the rich can afford higher costs. But lower middle class like myself seem to be the ones hit hardest. Now Star has told me that I should qualify for some type of government help, but screw that. Last thing I want is to be a burden to tax payers. I have paid my own way since I was 16. I have never had a problem supporting my family. There is no reason a person like myself should have to rely on hand outs. The very thought makes me want to puke.

But it is not a burden to the tax payers.  I have no clue why your insurance doubled, as I too am a family of four and mine went up $48 for the year.  Right now, $922 of my premium goes to covering the uninsured.  That is far more of a burden to me, considering my taxes aren't going up to pay for Obamacare.

I think the problem is, many companies are using Obamacare as a scapegoat to cut benefits and save money.  It's much easier to pull something shady when there is something that 97% of Americans don't understand that they can place the blame on.


#11    preacherman76

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Posted 26 September 2013 - 01:08 PM

View PostAgent0range, on 26 September 2013 - 12:46 PM, said:

But it is not a burden to the tax payers.  I have no clue why your insurance doubled, as I too am a family of four and mine went up $48 for the year.  Right now, $922 of my premium goes to covering the uninsured.  That is far more of a burden to me, considering my taxes aren't going up to pay for Obamacare.

Of course its a burden to the tax payer. The way it was just last year, I could afford my insurance. Now I cant, and if I took help from the government, thats a bill that just last year they didnt have. Considering the government cant pay its bills as is, without stealing from generations that dont even exist yet, any extra money they have to pay is a serious burden to the tax payer.

I couldnt say. Maybe They just havent gone up yet. How much are you paying for insurance for a single month? Why would your private for profit insurance company charge you $922 bucks to cover people who are not covered by them? They have no responcibility to pay for uncovered people. Or is that $922 a tax?

Quote


I think the problem is, many companies are using Obamacare as a scapegoat to cut benefits and save money.  It's much easier to pull something shady when there is something that 97% of Americans don't understand that they can place the blame on.

Oh sure. Companies are always looking at the bottom line. And its even worse then what you have described here. Alot of people are going to end up having their hours cut to part time as well. Thats just another reason why this legislation is just a horrible idea. Also there will be alot of companies that will fire Americans to hire illegals, cause they dont have to be covered for something like 10 years. Government should never force people to pay for a product from a private for profit company.

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#12    Agent0range

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Posted 26 September 2013 - 01:15 PM

I pay around $100 a month with my employer covering the rest.  No, the $922 is not a tax.  But, I will explain this part again.  When someone receives treatment at a hospital, lets say a heart surgery.  The whole procedure to include personnel and equipment may only cost $200K.  But, the hospital charges $1 million.  That helps to offset the unpaid bills of the uninsured.  I know this is a fact because my mother is an insurance negotiator.  She is hired by the insurance companies to negotiate the cost of the procedure (after it is done, so no delay for the patient).  She can get a hospital to lower their price by hundreds of thousands of dollars.  People on here will say the government pays for the unpaid bills and that is simply not true.  They do give a portion to hospitals, but it nowhere near covers the $49 billion unpaid per year.


#13    Heru

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Posted 26 September 2013 - 01:25 PM

Quote

U.S. officials for the first time disclosed insurance prices that will be offered through new federally run health-care exchanges starting Oct. 1, showing that young, healthy buyers likely will pay more than they do currently while older, sicker consumers should get a break.

Quote

Across the country, the average premium for a 27-year-old nonsmoker, regardless of gender, will start at $163 a month for the lowest-cost "bronze" plan; $203 for the "silver" plan, which provides more benefits than bronze; and $240 for the more-comprehensive "gold" plan.
But for some buyers, prices will rise from today's less-comprehensive policies. In Nashville, Tenn., a 27-year-old male nonsmoker could pay as little as $41 a month now for a bare-bones policy, but would pay $114 a month for the lowest-cost bronze option in the new federal health exchanges.

Likewise, the least-expensive bronze policy would rise to $195 a month in Philadelphia for that same 27-year-old, from $73 today. In Cheyenne, Wyo., the lowest-cost option would be $271 a month, up from $82 today.

http://finance.yahoo...-040600393.html Original is from "Wall Street Journal"

Now the OPs quotes dont seem right, a family of 4 with $50,000 income is way above the poverty line for my state. But then again you earn more in states like California than you do in mine which the poverty line with a family of 4 stops at $28,000. (last i looked but its been 5 years)
Theres a tool you can see how much govt. credits you get from your income. Miines was in the high hundreds for a single person....maybe if your a family of four in your 40+ its that cheap but not if you have a decent job(no I dont mean middle class job) its not that cheap. Its in the Hundreds with govt credit.

Now these are the prices of Govt.exchange. I know people who as obama care kicked in more and more lowered there coverage cause there decent coverage got to high. Then there c**py coverage rose higher and higher than they just droped insurance all together. So obamacare atleast for the people I know have less coverage now or no coverage. And watch your current insurance alot of em are changing your policys to cut cost.


#14    preacherman76

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Posted 26 September 2013 - 02:11 PM

View PostAgent0range, on 26 September 2013 - 01:15 PM, said:

I pay around $100 a month with my employer covering the rest.  No, the $922 is not a tax.  But, I will explain this part again.  When someone receives treatment at a hospital, lets say a heart surgery.  The whole procedure to include personnel and equipment may only cost $200K.  But, the hospital charges $1 million.  That helps to offset the unpaid bills of the uninsured.  I know this is a fact because my mother is an insurance negotiator.  She is hired by the insurance companies to negotiate the cost of the procedure (after it is done, so no delay for the patient).  She can get a hospital to lower their price by hundreds of thousands of dollars.  People on here will say the government pays for the unpaid bills and that is simply not true.  They do give a portion to hospitals, but it nowhere near covers the $49 billion unpaid per year.

Yeah thats how I have always understood it. Thats why I was confused with you having a exact number ($922) of what you pay for the uninsured. Unless you knew what your insurance companies cost for the year for your self and family were, how could you possibly know what you have paid for them. Like lets say you had a great year and no one in your family needed to see a doctor, or go to the hospital. If that was the case, then you wouldnt have paid anything for the uninsured. BTW, thats a great deal you have with your employer. Have you asked them if their costs have risen to keep you insured?

I dont know if you are aware, but you brought up another great point. Isnt it amazing that people who have insurance, the company that provides it can often lower the costs for the company through a negotiator. But people who have no insurance, the ones in most need of a financial break from medical expences, always get the full bill with no way around it. That is insane.

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#15    Leonardo

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Posted 26 September 2013 - 02:20 PM

View PostAgent0range, on 26 September 2013 - 12:46 PM, said:

But it is not a burden to the tax payers.  I have no clue why your insurance doubled, as I too am a family of four and mine went up $48 for the year.  Right now, $922 of my premium goes to covering the uninsured.  That is far more of a burden to me, considering my taxes aren't going up to pay for Obamacare.

I think the problem is, many companies are using Obamacare as a scapegoat to cut benefits and save money.  It's much easier to pull something shady when there is something that 97% of Americans don't understand that they can place the blame on.

^^This.

If your insurance premiums are going up/coverage going down it's not the fault of ACA, but the insurance companies who are using ACA as a scapegoat for stealthily upping their profits.

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