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Most individual health insurance isn't good enough for Obamacare (Get ready for the sticker shock)
cnn money ^ | 4/3/2013 | Tami Luhby

Posted on 04/03/2013 5:46:26 AM PDT by tobyhill

If you buy your own health insurance now, you'll be in for a big change when you sign up for coverage in 2014.

Just over half of the individual plans currently on the market do not meet the standards to be sold next year, when many key provisions of President Obama's Affordable Care Act kick in, according to a University of Chicago study. That's because the law sets new minimums for the basic coverage every individual health care plan must provide.

"They will offer a lot more financial protection," Jon Gabel, the report's lead author, said of the individual plans that will be available next year. His team drew its conclusions from 2010 data supplied by health insurers.

Some 15 million Americans, or about 6% of non-elderly adults, currently buy coverage on the individual market.

Starting this fall, they'll be able to shop for and enroll in health insurance through state-based exchanges, with coverage taking effect in January. By 2016, some 24 million people will get insurance through the exchanges, while another 12 million will continue to get individual coverage outside of them, the Congressional Budget Office estimates.

Both groups will be affected by the new Obamacare rules. Starting next year, nearly all individual plans -- both in and out of the exchanges -- will be required to cover an array of "essential" services, including medication, maternity and mental health care. Many plans don't currently offer those benefits.

(Excerpt) Read more at money.cnn.com ...


TOPICS: Extended News; News/Current Events
KEYWORDS: 0carenightmare; 0carepremiums; healthinsurance; singlepayer; stateexchanges

1 posted on 04/03/2013 5:46:26 AM PDT by tobyhill
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To: tobyhill

Unbelievably, I saw a report about the assclown’s terrible health law in the normally subservient Miami Florida media....amazing.


2 posted on 04/03/2013 5:53:07 AM PDT by SoFloFreeper
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To: SoFloFreeper

I think some of the local media is beginning to kick back. The lies are just too hard to take...even for the media hacks. Still...at the national level, most of the MSM is still on Barry’s team.


3 posted on 04/03/2013 5:55:32 AM PDT by kjo (+)
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To: tobyhill

This brings up one of the creepyest aspects of this thing, for me: They are not just saying you have insurance. They are micromanaging the quality of said insurance you have to have.

I heard, years ago, that depending on your income level, the best insurance was between $5,000 and $10,000 deductible. Insurance is supposed to protect you from CATASTROPHIC hits to your finances. It is why LLoyd’s of London came into existence, for crying out loud.

Obamacare is forcing something on us that, in a very real way, has always been a rather irresponsible expenditure of your funds. It went south when companies stared offering it as an employment benefit. And they did that because the government enacted a wage freeze and this was the way companies got around that to entice good employees.

i.e. this whole mess was caused by the government and now they are using it to micromanage our lives. It is pathetic and insulting.


4 posted on 04/03/2013 5:56:28 AM PDT by cuban leaf (Were doomed! Details at eleven.)
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Comment #5 Removed by Moderator

To: cuban leaf

Insurance is protection against uncertain future events. When you take uncertain out of the equation it simply becomes redistribution.

Obamacare is not health care, it is not free, it is slavery.

Preaching to the choir here...I know.


6 posted on 04/03/2013 6:10:58 AM PDT by Geoffrey
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To: cuban leaf
This brings up one of the creepyest aspects of this thing, for me: They are not just saying you have insurance. They are micromanaging the quality of said insurance you have to have.

I heard, years ago, that depending on your income level, the best insurance was between $5,000 and $10,000 deductible. Insurance is supposed to protect you from CATASTROPHIC hits to your finances. It is why LLoyd’s of London came into existence, for crying out loud.

Obamacare is forcing something on us that, in a very real way, has always been a rather irresponsible expenditure of your funds. It went south when companies stared offering it as an employment benefit. And they did that because the government enacted a wage freeze and this was the way companies got around that to entice good employees.

i.e. this whole mess was caused by the government and now they are using it to micromanage our lives. It is pathetic and insulting.

Now we are getting to the meat and potatoes, so to speak.

The argument for universal insurance is backed by irresponsibility, at its core. Afterall, how can you be expected to save some money and maintain a bank account to meet your personal needs when you have rims to buy, a need for a big screen LCD in every room of your house, and iphones to buy?!?!? When you have needs, you should have planned well enough to meet those needs. If you want to have a baby, you should have planned well enough to have the money set aside to not only pay for the birth, but also the support of the child - it's that simple.

Confusing "rights" with excuse after excuse that tries to brush aside personal responsibility and accountability is absurd.

7 posted on 04/03/2013 6:14:27 AM PDT by RobertClark ("May God have mercy upon my enemies, because I won't" - George S. Patton)
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To: tobyhill
So people who can't afford insurance in the first place will be forced to the "bronze" plans, which have lower premiums, but they'll have to pay higher out-of-pocket costs...up to 40% (whatever that means).

How will today's mentality of "healthcare grows on trees," and should be free to anyone out for a stroll, align with paying for these out-of-pocket costs? The sheep are going to be so surprised--they accepted a dinner invitation to the wolf's house, not realizing they were the main course.

8 posted on 04/03/2013 6:29:30 AM PDT by Lou L (Health "insurance" is NOT the same as health "care")
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To: tobyhill

Many plans don’t currently offer those benefits.”

And what about those of us who choose not to have or pay for such a wide array of services through our insurance? I not only don’t want them but I don’t want to pay for them for other people.

All I want is to be able to keep my present policy which I’ve had for several years. High deductible, primarily in case I have to go in the hospital. Already been told it will no longer be available. What happened to real options and freedom of choice?


9 posted on 04/03/2013 7:32:47 AM PDT by Grams A (The Sun will rise in the East in the morning and God is still on his throne.)
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To: cuban leaf
This brings up one of the creepyest aspects of this thing, for me: They are not just saying you have insurance. They are micromanaging the quality of said insurance you have to have.

We have always had catstrophic coverage with the highest decdctible possible for just that reason. But Ocare forces you to purchase a policy covering all sorts of things you don't need, and that are very expensive. For example, we now have to carry "early preventative in-patient care for drug and alcohol abuse", though we neither drink, nor smoke (one of the most expensive coverages around); full pregnancy coverage, though the Mr. has had a vasectomy years ago, and I am past the age; a 3 million lifetime coverage limit, where we had $1 mill.

These are very expensive, and have pushed our cost from a reasonable $600/month to $1500/mon, which is ridiculous.

Plus, I have read that your coverage will be fully taxable, and any benefits you do receive will be counted as income.

It's almost like it was planned to force everyone into single payer.../sarc

10 posted on 04/03/2013 7:33:29 AM PDT by Red Boots
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To: tobyhill

Obamacare does not meet it’s own standards.

This whole Obamacare mess is meant to destroy private insurance.


11 posted on 04/03/2013 7:51:07 AM PDT by Venturer
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To: tobyhill

Note, down in the bowels of the article, that “subsidies” are mentioned. I presume these are subsidies picked off the Subsidy Bushes that grow in the Federal Forest. Other taxonomies of this wonderful forest are “Grant Trees,” “Foreign Aid Thickets,” “Stimulus Bogs” (similar to cranberry bogs, though not exactly like), and “EBT Hedges.”

The plants that grow in the Federal Forest are marvelous. While their fruits have the individual names above, they are know collectively as “Funds,” or “Revenue,” and, in their immature state, as “Taxes.” Federal Workers harvest these fruits, and send them through an amazing distribution channel so that they can arrive, just at the peak of perfection, to the “Account” or, temporary storage area, of “Needy Americans,” “Temporary Americans,” and a host of “Never-To-Be Americans.”

But, that is the wonder of the Federal Forest...it is for all to enjoy the fruits thereof.

If there is a drawback, it is a small one. It is only that the Federal Forest is watered by the sweat of those who are still called “Working Americans.” One other niggling item (can I still use that word, niggling?); Because of the thick canopy in the Federal Forest the only fertilizer that works well is called “Hard Work.” It is generated, too, by those “Working Americans” who contribute their sweat for irrigation. Too much “Hard Work” contributed by any “Working American” can bring on “Early Release From Taxpayer Status” (that’s a term used by those “Federal Workers” to denote the status a “Working American” who dies young). Unfortunately, those “ERFTS Working Americans” can no longer contribute their “Fair Share,” another word for quota, of “Sweat” and “Hard Work,” but, there is a plan to give them a last opportunity to do so: the “Inheritance Tax” is expected to play a larger part in keeping the Federal Forest healthy and productive.

Robin


12 posted on 04/03/2013 9:26:10 AM PDT by RobinOfKingston (Democrats--the party of Evil. Republicans--the party of Stupid.)
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To: Venturer

Of course it’s meant to destroy private insurance but I don’t have the least bit of sympathy for them since they crawled into bed with the devil himself.


13 posted on 04/03/2013 10:21:40 AM PDT by tobyhill
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To: cuban leaf

If you eat all of the crap I see some SNAP folks eating...they will need every dime of their insurance.


14 posted on 04/03/2013 10:41:23 AM PDT by Vermont Lt (Does anybody really know what time it is? Does anybody really care?)
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To: Vermont Lt

If you eat all of the crap I see some SNAP folks eating...they will need every dime of their insurance.


When my wife and I shop at Costco or WalMart, we often look at what people are purchasing and what they look like and say, “Yep. Figures.”


15 posted on 04/03/2013 10:50:36 AM PDT by cuban leaf (Were doomed! Details at eleven.)
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To: tobyhill
If you are over 70 and have a problem, they will put you on an ice flow and let you go. You won't get any help to live. So says the "Death Panel" that no one admits is there.

The expensive treatments you think you will get are gone now. All the money is spent in your last days so they will just make sure it's your last days.

16 posted on 04/03/2013 11:07:28 AM PDT by chuckles
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To: cuban leaf
i.e. this whole mess was caused by the government and now they are using it to micromanage our lives. It is pathetic and insulting.

You summed up this 50-year-long slow train wreck in one post.

Yet how many American's know this? None, because all the media reports are anecdotes and horse races.

17 posted on 04/03/2013 11:20:30 AM PDT by St_Thomas_Aquinas
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To: kjo

Dreams and wishful thinking are all the same. Expecting responsibility from the irresponsible, ignorant and ideologues is irresponsible.


18 posted on 04/03/2013 11:23:02 AM PDT by Sequoyah101
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To: tobyhill

“Of course it’s meant to destroy private insurance...”

No - it is meant to kill private healthcare, but a necessary step along the way.

“Your insurance is so high because of those rich doctors....”


19 posted on 04/03/2013 11:31:44 AM PDT by 21twelve ("We've got the guns, and we got the numbers" adapted and revised from Jim M.)
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To: St_Thomas_Aquinas

It really is true that though the truth will set you free, first it will make you sick.

I almost feel like the bad guy in the first Matrix movie that wants to go back to the ignorant bliss of the Matrix.

Almost...


20 posted on 04/03/2013 11:34:41 AM PDT by cuban leaf (Were doomed! Details at eleven.)
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To: tobyhill

Why do men have to pay for maternity care?


21 posted on 04/03/2013 11:38:32 AM PDT by Fresh Wind (The last remnants of the Old Republic have been swept away.)
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To: cuban leaf

Politicians have been micromanaging health insurance for years. Some group lobbies state legislators for their pet treatment or disease, and *presto* all insurance companies must cover them.

So, you pay for everyone else’s chiropractic, mental health, maternity, mammograms, autism treatments (many of which are quack therapies targeted at the desperate), and a whole host of other treatments and tests that you may not want or need. Nobody is allowed to just buy basic health coverage for themselves and their families.


22 posted on 04/03/2013 11:42:13 AM PDT by Pining_4_TX (All those who were appointed to eternal life believed. Acts 13:48)
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To: Lou L

Does anyone know if the law REQUIRES providers to accept patients? Otherwise I see a lot of “cash only” doctors.


23 posted on 04/03/2013 2:11:33 PM PDT by Terry Mross (This country will fail to exist in my lifetime. And I'm gettin' up there in age.)
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