Health insurance premiums for NC college students rise 51% under ObamaCare

posted at 1:21 pm on September 5, 2012 by Ed Morrissey

Barack Obama and his campaign hoped to make ObamaCare their pitch to get younger voters more enthused about the election this year — a perverse but not forlorn hope, as I’ll explain in a minute.  That may be even more true in North Carolina, where Democrats are holding their convention this week, and where Obama needs to generate the visible and noticeable excitement among college-age voters that was so apparent in 2008 and has been lacking in 2012.  Peter Hamby at CNN reports why that may be a bigger problem for North Carolina college students in particular, as the costs of their mandated health insurance went up more than half after ObamaCare’s passage:

But as the president fights to keep the conservative-leaning state in his column this November, education officials here are complicating his campaign message by citing “Obamacare” as a reason for the rising cost of student health insurance plans on campuses from Asheville to Wilmington.

In April, Tom Ross, the president of the University of North Carolina system, sent a letter to the university’s board of governors announcing that students should brace for a hike in the cost of university-provided insurance plans.

Ross explained that at least 64,000 North Carolina college students – roughly a third of those enrolled in the state’s 17 public universities – should expect to see “substantial” increases in health coverage costs for the 2012-2013 academic year.

“Based on more than three semesters of actual claims experience, as well as the new provisions of the Affordable Care Act, we are facing large increases in premiums for our students,” Ross wrote in the letter.

The price per semester last year was $460.  This year it will go up to $709.  In part, this was caused by the claims experience of Chartis over the last couple of years, which discovered that students on this plan accessed care more often than they initially predicted.  A significant part of the increase, however, comes from the requirements of comprehensive insurance coverage that will exacerbate those trends rather than limit cost increases.

That has been the issue for college insurance plans all around the country, not just in North Carolina.  Two years ago, universities and colleges tried to get a blanket waiver from those coverage requirements, and suggested that they may have to dump coverage options altogether without those waivers:

Colleges and universities say that some rules in the new health law could keep them from offering low-cost, limited-benefit student insurance policies, and they’re seeking federal authority to continue offering them.

Their request drew immediate fire from critics, however, who say that student health plans should be held to the same standards that other insurance is.

Among other things, the colleges want clarification that they won’t have to offer the policies to non-students.

Without a number of changes, it may be impossible to continue to offer student health plans, says a letter that the American Council on Education sent Aug. 12 to Health and Human Services Secretary Kathleen Sebelius, signed by 12 other trade associations that represent colleges.

Additionally, the colleges say that some provisions of the law don’t apply to their policies, including those that require insurers to spend at least 80 percent of their revenue on medical care and that bar them from setting annual coverage caps.

Students might have cheered the efforts of the Obama administration to force colleges to provide more comprehensive coverage, but they won’t be cheering when they open the bill for those services.  Most young adults won’t ever use $1400 of medical services in a year, let alone more than that.  A routine wellness physical costs around 10-15% of that figure.  They would be better off with a low-cost policy for hospitalization and paying for everything else out of pocket.  The high cost of comprehensive policies for this demographic only serves to subsidize the cost of older clients so that they don’t get charged as much for the comprehensive policies that make more sense for them.

That’s why an ObamaCare strategy is a perverse effort to woo young adults.  If students wanted a comprehensive-policy option, they could have gotten it without ObamaCare, and now students no longer have the more sensible low-cost option thanks to ObamaCare’s mandate.  The only reason this strategy isn’t a forlorn hope is that college students haven’t realized so far just how badly ObamaCare exploits them to lower costs for the more politically reliable 40-54YO demographic, who really benefit most by forcing younger people to pay higher premiums.  They may begin to understand it, though, as those health-insurance bills get delivered this month.


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…SO DID THE INTEREST RATE ON THEIR STUDENT LOANS!

KOOLAID2 on September 5, 2012 at 1:23 PM

The article titled should be adjusted to say costs went up 51%.

Bluray on September 5, 2012 at 1:23 PM

…didn’t mean to yell!

KOOLAID2 on September 5, 2012 at 1:24 PM

So they have to ask Moms for extra loot to buy their Barry posters.

bayview on September 5, 2012 at 1:24 PM

Won’t change much. Most of them are still stupid enough to vote for Obama.

Mark1971 on September 5, 2012 at 1:25 PM

Unexpected.

pambi on September 5, 2012 at 1:27 PM

Health insurance for NC college students rise 51% under ObamaCare

Ed, you might want to make the headline read “Health insurance costs,” lest title-only readers assume that coverage has expanded, or some such nonsense.

steebo77 on September 5, 2012 at 1:27 PM

Being a slave is expensive these days.

lorien1973 on September 5, 2012 at 1:27 PM

Making students pay their fair share.

BobMbx on September 5, 2012 at 1:27 PM

So will bho do his eo thing to give a waiver to college students on bhocare increase? Then after these vote for bho, his ever lasting lies will say he didn’t mean that and they are on their own?
L

letget on September 5, 2012 at 1:28 PM

The article titled should be adjusted to say costs went up 51%.

Bluray on September 5, 2012 at 1:23 PM

[headdesk]

Fixed.

Ed Morrissey on September 5, 2012 at 1:28 PM

Incomplete…er…Forward!

ICanSeeNovFromMyHouse on September 5, 2012 at 1:28 PM

Each time I see that picture of that one bearded guy in the white coat applauding, I want to pick up a brick and throw it at the screen.

That bearded assclown is as much a doctor as I am a Mandarin Chinese acrobat!

pilamaye on September 5, 2012 at 1:28 PM

The price per semester last year was $460. This year it will go up to $709.

Between undegrad and law school [that's 7 years], I had to get some stitches – on a finger. Does the Commienization of America include the Pussification, too?

[rhetorical question alert]

As for the increase in costs:

Lies! All lies! Ryan and the University of North Carolina system are all a bunch of Goebbels!

- Take Your Commie Pick Commenter

OhEssYouCowboys on September 5, 2012 at 1:28 PM

Hey, just be sure to finish college before turning 27… Problem solved.
Do I have to do ALL the work ??
//

pambi on September 5, 2012 at 1:28 PM

Won’t students be able to stay on their parent’s health insurance plan until 26 though?

Won’t the vast majority of students see their health care costs go to $0?

In part, this was caused by the claims experience of Chartis over the last couple of years, which discovered that students on this plan accessed care more often than they initially predicted. A significant part of the increase, however, comes from the requirements of comprehensive insurance coverage that will exacerbate those trends rather than limit cost increases.

How much of the increase in costs were due to to students accessing care more, and how much were due to the coverage increase? “Significant” is objective.

segasagez on September 5, 2012 at 1:28 PM

Change you can believe in….Ha…hahahahaha

MoreLiberty on September 5, 2012 at 1:30 PM

Hey, just be sure to finish college before turning 27… Problem solved.
Do I have to do ALL the work ??

27 is generally an undergraduate degree and a graduate degree. Is 27 still considered the too young to purchase health insurance independent of school?

segasagez on September 5, 2012 at 1:30 PM

Prolly all those BC pills and abortifacients, but don’t tell Sandra.
It’ll blow her brain.

pambi on September 5, 2012 at 1:31 PM

[headdesk]

Fixed.

Ed Morrissey on September 5, 2012 at 1:28 PM

If you weren’t in such a hurry to get back to the comment section……

Rio Linda Refugee on September 5, 2012 at 1:31 PM

Being a indoctrinated little Marxist sure is getting expensive isn’t it.

SWalker on September 5, 2012 at 1:32 PM

That bearded assclown is as much a doctor as I am a Mandarin Chinese acrobat!

pilamaye on September 5, 2012 at 1:28 PM

Wei Wong is that you?

Rio Linda Refugee on September 5, 2012 at 1:32 PM

May we remind every woman, student, Latino and African-American that votes for him a second time they will find no empathy in their suffering and will be relegated to the trash container marked “Stupid”.

hillsoftx on September 5, 2012 at 1:32 PM

Hey, just be sure to finish college before turning 27… Problem solved.
Do I have to do ALL the work ??
//

pambi on September 5, 2012 at 1:28 PM

LOL.

Anyway, 9 years ain’t enough. Those The Art And Poetry Of The Sapphos degrees ain’t easy to come by, ya know.

OhEssYouCowboys on September 5, 2012 at 1:32 PM

Swell.

:/

RedNewEnglander on September 5, 2012 at 1:32 PM

Nearly everyday on this blog I see minor and major indictments of Obama’s policies. Why aren’t they vigorously exploited by the GOP?

rplat on September 5, 2012 at 1:33 PM

If the Administration and its MSM lapdogs actually mention this story, I would expect them to say the insurance providers are ‘price gouging’ young Americans who are desperately struggling to pay their tuition and contraception costs.

Liam on September 5, 2012 at 1:34 PM

Nearly everyday on this blog I see minor and major indictments of Obama’s policies. Why aren’t they vigorously exploited by the GOP?

rplat on September 5, 2012 at 1:33 PM

Does the term, “The Stupid Party” ring any bells???

SWalker on September 5, 2012 at 1:35 PM

And so? When TFGRP announces late October that he’s going to use taxpayer money to bailout all student loan debt, this will be instantly forgotten.

Bishop on September 5, 2012 at 1:35 PM

Come 2014 that will jump to 350% as everyone figures out they only need to buy insurance after they are in need of it.

NotCoach on September 5, 2012 at 1:35 PM

Won’t students be able to stay on their parent’s health insurance plan until 26 though?

Won’t the vast majority of students see their health care costs go to $0?

segasagez on September 5, 2012 at 1:28 PM

Employee health plans aren’t required to make family coverage free, or to pay the same amount they do for individual plans. In another article posted here (I believe) it stated that the average employer individual plan covers 82%, with the other 18% picked up by the employee. The average family plan is covered at 72%, with the employee picking up the other 28%.

The more 25 year old “kids” put on these family plans, the more the rates will increase and the more Mom and Dad (and the rest of us) will be paying. So, that’s “free” in the Democrat sense of the word, but not “free” in the sense that the students’ parents won’t be picking up the tab.

strictnein on September 5, 2012 at 1:36 PM

Healthcare premiums must “necessarily” skyrocket so we’re forced into government run single payer…

Obamacare was never INTENDED to work OR be affordable. It was designed to force us into full blown government healthcare.

wildcat72 on September 5, 2012 at 1:37 PM

You have to open the flaming bag on your doorstep, to find out what’s in it.

NoDonkey on September 5, 2012 at 1:38 PM

51% is a very racist number.

Akzed on September 5, 2012 at 1:39 PM

51% is a very racist number.

Akzed on September 5, 2012 at 1:39 PM

Let’s hope so

Rio Linda Refugee on September 5, 2012 at 1:41 PM

Headline reads: Health insurance premiums for NC college students rise 51% under ObamaCare

SQUIRREL !!

Media reports:

Would you look at those toned arms of Michelle?

She looks so great in that dress.

And did you know that both Michelle and Barry schruggled through school?

I’m sorry what headline were you talking about again?

PappyD61 on September 5, 2012 at 1:42 PM

Mission Accomplished!

SPGuy on September 5, 2012 at 1:42 PM

All that “free” stuff sure is expensive.

natasha333 on September 5, 2012 at 1:43 PM

So glad fluke doesn’t go to a nc college
/

cmsinaz on September 5, 2012 at 1:43 PM

The more 25 year old “kids” put on these family plans, the more the rates will increase and the more Mom and Dad (and the rest of us) will be paying. So, that’s “free” in the Democrat sense of the word, but not “free” in the sense that the students’ parents won’t be picking up the tab.

If Ed wants to write an article about the affect that the health care bill will have on the parents of children in college, that’s certainly one he can write.

However, this article is specifically on the cost of health insurance for students. That cost, for a “significant” amount of students, will be $0.

Also, isn’t it a little ironic that the cost has gone up because the students have used it?

segasagez on September 5, 2012 at 1:44 PM

Have the death panel membership selections already been made or are they still taking applications? I wonder if one can just apply on line. Sounds like a fun, power job, perhaps loaded with financial incentives, IYKWIMAITYD.

a capella on September 5, 2012 at 1:46 PM

But, but, free contraceptives! eleventy!1

AZfederalist on September 5, 2012 at 1:47 PM

“Our student health insurance policy premium has been substantially increased due to changes required by federal regulations issued on March 16, 2012 under the Affordable Care Act,”

I just went to my bookcase and moved 1984 from the fiction to the non-fiction shelf.

forest on September 5, 2012 at 1:48 PM

education officials here are complicating his campaign message by citing “Obamacare” as a reason for the rising cost of student health insurance plans on campuses from Asheville to Wilmington.

I love how this is written by CNN. It’s not the result of Obama’s policies that are creating the problem. Oh, it’s those doggone education officials who are creating this problem.

BuckeyeSam on September 5, 2012 at 1:48 PM

Also, isn’t it a little ironic that the cost has gone up because the students have used it?

segasagez on September 5, 2012 at 1:44 PM

You don’t understand how insurance works, do you?

AZfederalist on September 5, 2012 at 1:48 PM

Aren’t a lot of these college kids still covered under their parents’ insurance? So, why do they have to get it at college, too? That doesn’t make sense.

sydneyjane on September 5, 2012 at 1:48 PM

I just went to my bookcase and moved 1984 from the fiction to the non-fiction shelf.

forest on September 5, 2012 at 1:48 PM

I nominate that for thread winner.

AZfederalist on September 5, 2012 at 1:48 PM

And where is the Romney campaign on this little nugget? Or the RNC, or the PACS?

ultracon on September 5, 2012 at 1:49 PM

To a hardcore leftist, this is called bending the cost curve down.

You can keep your plan if you like it, it will just cost twice as much.

jukin3 on September 5, 2012 at 1:49 PM

You don’t understand how insurance works, do you?

AZfederalist on September 5, 2012 at 1:48 PM

Enlighten me.

segasagez on September 5, 2012 at 1:52 PM

Enlighten me.

segasagez on September 5, 2012 at 1:52 PM

Not possible comrade.

SWalker on September 5, 2012 at 1:53 PM

Healthcare premiums must “necessarily” skyrocket so we’re forced into government run single payer…

Obamacare was never INTENDED to work OR be affordable. It was designed to force us into full blown government healthcare.

wildcat72 on September 5, 2012 at 1:37 PM

DING DING DING! We have a winna!!!!!

Taking bets on how long before the 2 or 3 largest insurance companies declare bankruptcy and are deemed too big to fail and taken over as Government run entities. Voila! Mandatory issue Single Payer.

Youngs98 on September 5, 2012 at 1:54 PM

Not possible comrade.

SWalker on September 5, 2012 at 1:53 PM

Hot Air indeed.

segasagez on September 5, 2012 at 1:55 PM

education officials here are complicating his campaign message by citing “Obamacare” as a reason for the rising cost of student health insurance plans on campuses from Asheville to Wilmington.

I love how this is written by CNN. It’s not the result of Obama’s policies that are creating the problem. Oh, it’s those doggone education officials who are creating this problem.

BuckeyeSam on September 5, 2012 at 1:48 PM

Good catch. Now, imagine how it would have been written if this had been a Bush or other Republican administration policy:

… education officials here have determined that many of the mandates in “Obamacare” are a direct cause of the rising cost of student health insurance plans on campuses from Asheville to Wilmington. Obama campaign officials were unable to answer questions from the press regarding why an act promoted as providing affordable care has resulted in such catastrophic price increases and added burdens to a segment of society least able to pay such increases. [... followed by a statement from the opposition House or Senate leader berating the callous indifference to those unable to pay for these massive increases]

AZfederalist on September 5, 2012 at 1:55 PM

If Ed wants to write an article about the affect that the health care bill will have on the parents of children in college, that’s certainly one he can write.

However, this article is specifically on the cost of health insurance for students. That cost, for a “significant” amount of students, will be $0.

I’m failing to see your point. Kids frequently chose the college plan because it’s cheaper for them and their parents. Even before the PPACA plenty of employer plans were still be covering college aged 18-22 year olds. But college provided plans were typically very inexpensive because they offered very limited coverage.

The two issues are intertwined. If you think he should have expanded the post to cover the effect this will have on employer plans, then fine.

Also, isn’t it a little ironic that the cost has gone up because the students have used it?

segasagez on September 5, 2012 at 1:44 PM

No… that’s how insurance works.

strictnein on September 5, 2012 at 1:55 PM

Damn, the tin foil is strong with this one.

What the ‘ell are some of you people talking about?

Flaming bags of poo? 9 years of college? Slavery?

Ha. This is going to be fun come November.

segasagez on September 5, 2012 at 1:57 PM

If Ed wants to write an article about the affect effect that the health care bill will have on the parents of children in college, that’s certainly one he can write.

However, this article is specifically on the cost of health insurance for students. That cost, for a “significant” amount of students, will be $0.

Also, isn’t it a little ironic that the cost has gone up because the students have used it?

segasagez on September 5, 2012 at 1:44 PM

On affect-effect:

http://public.wsu.edu/~brians/errors/affect.html

On the cost to students:

Ross explained that at least 64,000 North Carolina college students – roughly a third of those enrolled in the state’s 17 public universities – should expect to see “substantial” increases in health coverage costs for the 2012-2013 academic year.

Evidently, there’s enough of a need for this kind of coverage that 64,000 students–or about a third of students–buy it. Presumably, they’re not covered by a parent’s plan, for whatever reason. So, yes, their cost is going up.

Finally, I don’t see the irony in costs going up as demand is going up. The law of supply and supply would support that. Are you sure that you know how to use the word ironic correctly?

http://public.wsu.edu/~brians/errors/ironically.html

BuckeyeSam on September 5, 2012 at 1:58 PM

Everyone will have health insurance but no healthcare.

Doctors have already stopped taking MediCare.

What happens when they won’t take ObamaCare?

Doctors are leaving private practice in droves.

I see a future of off-shore medical cruises.

Former American doctors sailing under a foreign flagged ship.

redguy on September 5, 2012 at 1:58 PM

Every way I look at it, it’s 54%… either way, exactly what we said for years.

LtGenRob on September 5, 2012 at 1:58 PM

Not possible comrade.

SWalker on September 5, 2012 at 1:53 PM

Hot Air indeed.

segasagez on September 5, 2012 at 1:55 PM

Don’t be shy, own it with pride Comrade… In Soviet America the Government owns YOU.

SWalker on September 5, 2012 at 2:00 PM

If Ed wants to write an article about the affect effect that the health care bill will have on the parents of children in college, that’s certainly one he can write.

However, this article is specifically on the cost of health insurance for students. That cost, for a “significant” amount of students, will be $0.

Also, isn’t it a little ironic that the cost has gone up because the students have used it?

segasagez on September 5, 2012 at 1:44 PM

On affect-effect:

http://public.wsu.edu/~brians/errors/affect.html

On the cost to students:

Ross explained that at least 64,000 North Carolina college students – roughly a third of those enrolled in the state’s 17 public universities – should expect to see “substantial” increases in health coverage costs for the 2012-2013 academic year.

Evidently, there’s enough of a need for this kind of coverage that 64,000 students–or about a third of students–buy it. Presumably, they’re not covered by a parent’s plan, for whatever reason. So, yes, their cost is going up.

Finally, I don’t see the irony in costs going up as demand is going up. The law of supply and supply would support that. Are you sure that you know how to use the word ironic correctly?

http://public.wsu.edu/~brians/errors/ironically.html

BuckeyeSam on September 5, 2012 at 1:58 PM

Because PBHO said, once it was passed our premium’s would drop 3000% vs. increasing 50+%

LtGenRob on September 5, 2012 at 2:00 PM

Damn, the tin foil is strong with this one.

What the ‘ell are some of you people talking about?

Flaming bags of poo? 9 years of college? Slavery?

Ha. This is going to be fun come November.

segasagez on September 5, 2012 at 1:57 PM

Ahh… you’re a troll. A moby troll, perhaps. Well have a good life, I guess.

strictnein on September 5, 2012 at 2:01 PM

Aren’t a lot of these college kids still covered under their parents’ insurance? So, why do they have to get it at college, too? That doesn’t make sense.

sydneyjane on September 5, 2012 at 1:48 PM

When I was an undergrad, despite the fact that I was living and home and covered under my parents’ plan, I still had to pay the “Health Center Fee” each semester at University of Colorado, Boulder (Berkeley East). The Colorado Communist Daily paper once ran an article on the Health Center and fee stating that, “The University health center is run under a socialized medicine model in which all students contribute to the operation of the center, whether they use it or not.” Yes, and like socialized medicine, according to comments from those with whom I spoke, the care was poor to mediocre, misdiagnoses were common and service wasn’t a priority. Since I was a commuting student, I never used it, because when I was sick, driving 90 minutes round trip for “free” care wasn’t a realistic solution.

AZfederalist on September 5, 2012 at 2:01 PM

You don’t understand how insurance works, do you?

AZfederalist on September 5, 2012 at 1:48 PM

He or she doesn’t understand how irony works.

Can’t be an econ major. Can’t be a literature major. What’s left? A community-organizer multicultural studies major?

BuckeyeSam on September 5, 2012 at 2:03 PM

I actually laughed out load at my sons freshman orientation. He decided to go to a school at a university in upstate NY. During one of the parent seminars they spoke about healthcare costs. The woman (on campus Dr.) asked all of the parents in attendance if we had recieved our bill for the up coming semester yet, approx. 75% stated they had not. She then went on to explain to the shock and amazement of parents that health insurance for the school year 2012-2013 was $2025.00 (That’s when I laughed)
I have health insurance for my entire family and I spend less than double that for the entire family per year.

You could tell by the reactions the families who didn’t have insurance. The cost was already built it and couldn’t be removed unless you provided a certified copy of your “Paid in Full” policy, they gave the families about 5 weeks IIRC to provide the documentation before they would issue a refund.
I was lucky enough to pay attention to all of the forms during registration and included mine back in late spring/early summer when my son picked that school.
Needless to say there where some very upset/shocked parents. Afterwards during a break two couples approached me and asked me why I laughed, I politely told them that I was from out of state and that I already had insurance that was much lower than what the university was offering. I might have said something to the effect of you get what you vote for with Obamacare. I felt the eyes burning through my back for the remainder of the orientation from those folks.

They liked it until they had to pay for it!

D-fusit on September 5, 2012 at 2:03 PM

I just went to my bookcase and moved 1984 from the fiction to the non-fiction shelf.

forest on September 5, 2012 at 1:48 PM

I nominate that for thread winner.

AZfederalist on September 5, 2012 at 1:48 PM

I second. Second passed.

I felt the need to not only highlight it, but to give it a bump.

One of the best posts, ever.

OhEssYouCowboys on September 5, 2012 at 2:03 PM

Ha. This is going to be fun come November.

segasagez on September 5, 2012 at 1:57 PM

Let’s see if you still feel that way come November 7th.

btw, how do you feel about the DNC saying you “belong” to the government?

Flora Duh on September 5, 2012 at 2:04 PM

That’s the problem with a one-size-fits-all policy. To ensure that it truly does “fit everybody” you have to make it so that it looks like Omar the tent-makers tent. Most people want it to be trimmed of all the excess bells and whistles that cost money and that they will never utilize. But according to the government, it may be baggy and have yards and yards of fabric that you won’t use, but you don’t have to suck in your gut to get inside it!

BTW, when San Fran Nan said that they are adding “reproductive services” because everybody wanted that included, I was thinking, “I know hundreds of people personally, and there are millions I am sure, that want to get Lasik eye surgery. Why not add that?” I am torn between getting Lasik and getting a Brazilian Butt-cheek implant, so if Lasik were free . . . .

DuctTapeMyBrain on September 5, 2012 at 2:04 PM

“A significant part of the increase, however, comes from the requirements of comprehensive insurance coverage that will exacerbate those trends rather than limit cost increases.”

You sucked on it…

… now swallow.

Seven Percent Solution on September 5, 2012 at 2:04 PM

Many undergraduates, these days, are taking 6 years to finish a four year undergraduate degree.

I’d say ‘earn’ an undergraduate degree, but the fact is that many of our institutions of higher learning have degenerated into nothing more than degree mills, whose primary goal is to keep the student’s butt in the seat, raking in financial aid, so that the institution can continue to rake in state and federal funding based on the number of students attending.

These ‘students’, and again, I use that term in the loosest possible context, spend the vast degree of their time socializing and trying to decide what ’boutique’ classes they can substitute for anything substantive. These boutique classes are regarded as easier and much more entertaining than the substantive classes one ordinarily associates with, well, learning anything useful. Classes like: women’s studies, ethnic studies, zombie studies, comic book studies,gender studies, etc.

Women’s studies, gender studies, and ethnic studies are essentially meant to foster and nurture a sense of grievance against the majority of society, setting those who identify with the various grievance groups as a special interest group for voting purposes later in life. Comic books and zombies are read in the context of the aforementioned groups and to the same end.

So, if the ‘student’s’ parent(s) don’t have employer health care, or can’t buy expensive comprehensive coverage on their own, the student does pay for their own health care…. LATER. Because these students are attending largely on STUDENT LOANS, they are loaned that money in the ‘personal expenses/living expenses’ part of the loan package. They won’t be paying it back until they graduate and get a job. Of course, to the ‘student’, this simply means less money to spend on entertainment. Bummer, dude.

However, should they fail to graduate, or get a job, they can put that loan into ‘INCOME CONTINGENT REPAYMENT’ plan. They pay nothing on any part of the loan, until they get a job. Then pay a percentage of any income above the poverty level, for 25 years, at which time anything left unpaid is discharged.

Of course, should they choose to accept a job working FOR THE FEDERAL GOVERNMENT, such as teaching in an inner city school, FOR TEN YEARS, the entire remaining loan will be FORGIVEN.

Guess who pays when these loans are ‘forgiven’ or ‘ discharged’? John Q. Public, taxpayer extraordinaire.

thatsafactjack on September 5, 2012 at 2:05 PM

segasagez on September 5, 2012 at 1:57 PM

Let’s see if you still feel that way come November 7th.

btw, how do you feel about the DNC saying you “belong” to the government?

Flora Duh on September 5, 2012 at 2:04 PM

Clearly the comrade loves it, he can finally quit pretending…

SWalker on September 5, 2012 at 2:05 PM

Damn, the tin foil is strong with this one.

What the ‘ell are some of you people talking about?

Flaming bags of poo? 9 years of college? Slavery?

Ha. This is going to be fun come November.

segasagez on September 5, 2012 at 1:57 PM

You really need to keep your 8 year old away from the computer when you are logged in. He’s typing gibberish and making you look like a darned fool.

AZfederalist on September 5, 2012 at 2:07 PM

You sucked on it…

… now swallow.

Seven Percent Solution on September 5, 2012 at 2:04 PM

Laughing. But, hell, 7% – do you really think that you have to prod these Leftists to swallow?

Some things just cum naturally.

[sorry, HA peeps - if this offended any of you - it's just that I hate the Left, so very much. And, besides - ain't it the truth?]

OhEssYouCowboys on September 5, 2012 at 2:08 PM

A little OT and certaily off color but …
If Clinton similes and acts too relaxed might we assume Sandra Fluck is kneeling inside the podium this evening?

Missilengr on September 5, 2012 at 2:09 PM

article is incorrect in that many colleges/universities provided health care for no charge 2 students. ALL are now charging 4 ObamaCare, ALL.

mathewsjw on September 5, 2012 at 2:09 PM

Aren’t a lot of these college kids still covered under their parents’ insurance? So, why do they have to get it at college, too? That doesn’t make sense.

sydneyjane on September 5, 2012 at 1:48 PM

It looks like that college system has a mandate for coverage.They are either making sure students are covered or there are some nice kickbacks involved.

docflash on September 5, 2012 at 2:10 PM

I’m failing to see your point. Kids frequently chose the college plan because it’s cheaper for them and their parents

That’s patently false. College plans are not cheaper than staying on family plans. College plans are the most expensive type of health care plans, for comparable coverage. Students take the college plan because University’s put ridiculous rules on the outside plans they will charge, and get a kick-back for every student they sign up on the college plan.

Even using your own numbers, that’s false. At 28%, and using the $460 it cost before students started using it, keeping the child on the plan would cost a parent an extra 1,642 a year. That’s almost twice as much as it costs a 2 person family two person family on a group plan.

No… that’s how insurance works.

strictnein on September 5, 2012 at 1:55 PM

You’re the second person that has said this. Isn’t that the problem though? You’re paying for an insurance so that if you were to get sick, you could afford care? But using the item to pay for the care makes it more difficult to afford the care in the future? Why is that acceptable?

segasagez on September 5, 2012 at 2:14 PM

Wait! I thought it was free??

ctmom on September 5, 2012 at 2:15 PM

The pic used for this particular blog always makes me angry. that male doctor to Barry’s right looks like a total dbag.

cdog0613 on September 5, 2012 at 2:15 PM

You’re the second person that has said this. Isn’t that the problem though? You’re paying for an insurance so that if you were to get sick, you could afford care? But using the item to pay for the care makes it more difficult to afford the care in the future? Why is that acceptable?

segasagez on September 5, 2012 at 2:14 PM

You’re right, insurance companies should go out of business providing government mandated coverage by not raising their prices. Let’s try something simple for you. What do you think would happen to your automobile insurance premiums if the government mandated all auto insurers can only sell policies that would cover the replacement cost of a Lamborghini?

NotCoach on September 5, 2012 at 2:24 PM

You’re the second person that has said this. Isn’t that the problem though? You’re paying for an insurance so that if you were to get sick, you could afford care? But using the item to pay for the care makes it more difficult to afford the care in the future? Why is that acceptable?

segasagez on September 5, 2012 at 2:14 PM

OK, you really don’t understand economics, do you?

Where do you think the money comes from that pays for the care that the students are utilizing? It comes from the premiums paid into the health plan. Simplified illustration: if you charge 5000 students $5 for health premiums, you will collect $25,000. Of that 25,000, some amount of that must pay for administrative costs, bookkeeping, etc. in our simplified example, assume that’s $5000, leaving $20,000 to be used for paying for health care for the students. That’s fine if the students for that semester remain healthy for the most part and only a few of them use the system. However, let’s say that the students realize health care is “free” and they use the system for every sniffle and cough as well as when they really need it, to the point that the cost of paying for the doctor visits, medicines, etc are $30,000 for the semester? The money has to come from somewhere, so premiums have to go up the next semester to cover the loss as well as to cover the demonstrated additional usage by the students. That’s how insurance works. You have a risk pool and employ some very smart actuaries to predict what you think costs will be in order to set the premiums. That’s called a risk pool. If usage is higher, rates have to go up, the money to cover the actual costs (plus overhead and profit) has to come from the premiums. … and yes, there has to be profit, are you willing to work for free?

AZfederalist on September 5, 2012 at 2:24 PM

Evidently, there’s enough of a need for this kind of coverage that 64,000 students–or about a third of students–buy it. Presumably, they’re not covered by a parent’s plan, for whatever reason. So, yes, their cost is going up.

Finally, I don’t see the irony in costs going up as demand is going up. The law of supply and supply would support that. Are you sure that you know how to use the word ironic correctly?

http://public.wsu.edu/~brians/errors/ironically.html

BuckeyeSam on September 5, 2012 at 1:58 PM

You’re an idiot. I mean, you’re pretentious and wrong. It’s a horrible combination.

Ok, let’s start by saying that the NEW HEALTHCARE LAW will insure under their parents plan until their 26. Yes, 64,000 people weren’t covered in their parents plan before this new law. However, laws have effects. This is one of them.

Secondly, you throw around supply and demand as if that explains anything at all. The supply is health insurance. The demand is students willing to buy health insurance. The amount of health insurance isn’t going down, you idiot. They are also explicitly stating that the demand for their health insurance by students isn’t going down, you idiot. So why the hell would the price go up? I’ll give you a hint: it isn’t because of supply and demand.

Finally, yes, it is ironic that on a thread where the author is complaining about the price of health insurance is rising, everyone is glossing over the fact that the price is rising because the beneficiaries of the service are using the service they purchased(rather than not using it). That’s ironic.

segasagez on September 5, 2012 at 2:27 PM

You’re right, insurance companies should go out of business providing government mandated coverage by not raising their prices. Let’s try something simple for you. What do you think would happen to your automobile insurance premiums if the government mandated all auto insurers can only sell policies that would cover the replacement cost of a Lamborghini?

NotCoach on September 5, 2012 at 2:24 PM

What you wrote is has nothing to do what what I wrote.

segasagez on September 5, 2012 at 2:29 PM

Ok, let’s start by saying that the NEW HEALTHCARE LAW will insure under their parents plan until their 26. Yes, 64,000 people weren’t covered in their parents plan before this new law. However, laws have effects. This is one of them.

segasagez on September 5, 2012 at 2:27 PM

And who do you think pays for that?

Chuck Schick on September 5, 2012 at 2:29 PM

In part, this was caused by the claims experience of Chartis over the last couple of years, which discovered that students on this plan accessed care more often than they initially predicted.

heh, wait til the “Free” contraception and abortion claimes start coming through!!

socalcon on September 5, 2012 at 2:29 PM

HotAir just isn’t the same without a photo of the smugly applauding doctors. I needed this.

Chuckles3 on September 5, 2012 at 2:31 PM

Even using your own numbers, that’s false. At 28%, and using the $460 it cost before students started using it, keeping the child on the plan would cost a parent an extra 1,642 a year. That’s almost twice as much as it costs a 2 person family two person family on a group plan.

segasagez on September 5, 2012 at 2:14 PM

$920 is more than $1642? What did the rest of what you wrote even mean?

You’re the second person that has said this. Isn’t that the problem though?

segasagez on September 5, 2012 at 2:14 PM

Again, no, this is how insurance works. It would also be how a single payer system worked. You understand that, right? Although it that case the first step to accommodate increased costs would be to restrict access, and then later increase costs. Is that preferential to you?

strictnein on September 5, 2012 at 2:32 PM

Won’t the vast majority of students see their health care costs go to $0?

segasagez on September 5, 2012 at 1:28 PM

It’s absolutely nuts what you Obama cultists believe. You people are truly insane.

Chuck Schick on September 5, 2012 at 2:36 PM

You’re an idiot. I mean, you’re pretentious and wrong. It’s a horrible combination.

segasagez on September 5, 2012 at 2:27 PM

Where to begin. Let’s start with children staying on their parents plan. Where does it say in ObamaTax that any health insurance policy a parent has for themselves must also cover their children? Parents can freely exclude their children from coverage, and I am sure many do once a child becomes an adult. The dependent mandate says nothing about automatic coverage of a dependent once someone in the household has insurance. A parent must seek or maintain coverage of their children.

Secondly, you throw around supply and demand as if that explains anything at all. The supply is health insurance. The demand is students willing to buy health insurance. The amount of health insurance isn’t going down, you idiot. They are also explicitly stating that the demand for their health insurance by students isn’t going down, you idiot. So why the hell would the price go up? I’ll give you a hint: it isn’t because of supply and demand.

See my simple example I provided for you above.

Finally, yes, it is ironic that on a thread where the author is complaining about the price of health insurance is rising, everyone is glossing over the fact that the price is rising because the beneficiaries of the service are using the service they purchased(rather than not using it). That’s ironic.

When people are forced to pay for coverage they don’t need or want they feel compelled to use it since they are paying for it. It is a vicious government created cycle that does exactly what we are seeing here: It drives up premiums.

NotCoach on September 5, 2012 at 2:37 PM

Making students parents pay their fair share.

BobMbx on September 5, 2012 at 1:27 PM

cajunpatriot on September 5, 2012 at 2:37 PM

OK, you really don’t understand economics, do you?

AZfederalist on September 5, 2012 at 2:24 PM

I sell you a bottle of milk. It costs you $2.50. If you don’t drink the milk, it costs you $2.50. If you drink the milk, the next bottle costs you $3.00.

That would be crazy, right?

Why do we accept at face value the craziness that is the health insurance market?

Even the University’s response is crazy. If I bought the plan at $460, and never used that plan a day of my life, my new plan is going to cost me $706? Let’s subtract the cost of Obamacare and just say that due to other students using their plan, my plan is going to cost $500.

That’s economics?

segasagez on September 5, 2012 at 2:37 PM

What you wrote is has nothing to do what what I wrote.

segasagez on September 5, 2012 at 2:29 PM

Purple dinosaurs? Would you rather discuss those? Maybe that’s more in line with your comprehension skills?

NotCoach on September 5, 2012 at 2:39 PM

Finally, yes, it is ironic that on a thread where the author is complaining about the price of health insurance is rising, everyone is glossing over the fact that the price is rising because the beneficiaries of the service are using the service they purchased(rather than not using it). That’s ironic.

“Ironic” isn’t the word I’d use. . . more like “predictable.”

This is a well-established phenomenon both with government-subsidized insurance and with insurance mandates in particular. Both incentivize the purchase of more health care services, driving demand, and raising prices. It’s a well-studied phenomenon in the academic literature. . .

If you want “irony,” try this: a president who promised to try to constrain the rising cost of health care services embraced the very policies that had been clearly shown to fuel rising health costs in the first place. THAT is ironic.

Chuckles3 on September 5, 2012 at 2:41 PM

I sell you a bottle of milk. It costs you $2.50. If you don’t drink the milk, it costs you $2.50. If you drink the milk, the next bottle costs you $3.00.

That would be crazy, right?

segasagez on September 5, 2012 at 2:37 PM

That’s not what insurance is at all, but I’m glad you’re posting this because it really helps us understand the way liberals think.

strictnein on September 5, 2012 at 2:42 PM

I sell you a bottle of milk. It costs you $2.50. If you don’t drink the milk, it costs you $2.50. If you drink the milk, the next bottle costs you $3.00.

That would be crazy, right?

Why do we accept at face value the craziness that is the health insurance market?

Even the University’s response is crazy. If I bought the plan at $460, and never used that plan a day of my life, my new plan is going to cost me $706? Let’s subtract the cost of Obamacare and just say that due to other students using their plan, my plan is going to cost $500.

That’s economics?

segasagez on September 5, 2012 at 2:37 PM

Dude.

Chuck Schick on September 5, 2012 at 2:42 PM

$920 is more than $1642? What did the rest of what you wrote even mean?

My mistake. I based the yearly cost off of the 460. At $920 a year, a parent’s health care plan must cost them an additional #3285 dollars a year for the university plan to be cheaper. You are wrong that the university plan is cheaper than keeping the student on the parent’s plan. Where are you even getting that information from?

Although it that case the first step to accommodate increased costs would be to restrict access, and then later increase costs. Is that preferential to you?

strictnein on September 5, 2012 at 2:32 PM

Ah, I knew the tin foil would bust out eventually. This is all part of the master plan. Got it.

segasagez on September 5, 2012 at 2:42 PM

I sell you a bottle of milk. It costs you $2.50. If you don’t drink the milk, it costs you $2.50. If you drink the milk, the next bottle costs you $3.00.

That would be crazy, right?

segasagez on September 5, 2012 at 2:37 PM

So milk is no insurance? Let’s try this on for size since you seem to like milk.

I sell you a bottle of milk for $1.50, but I miscalculated my production costs. So in order to remain profitable I must increase the price of milk. Sort of like insurers miscalculating the usage rates of their product.

That would be crazy, right?

NotCoach on September 5, 2012 at 2:43 PM

I can only speak from my personal Bay State experience.

Monthly family health insurance bill, 2006 (before MassHealth): $232.

Monthly family health insurance bill, 2012 (minimum purchase): $808.

DarthBrooks on September 5, 2012 at 2:44 PM

That’s not what insurance is at all, but I’m glad you’re posting this because it really helps us understand the way liberals think.

I asked before, and all i got was snark. What is health insurance?

segasagez on September 5, 2012 at 2:44 PM

I sell you a bottle of milk. It costs you $2.50. If you don’t drink the milk, it costs you $2.50. If you drink the milk, the next bottle costs you $3.00.
That would be crazy, right?
Why do we accept at face value the craziness that is the health insurance market?
Even the University’s response is crazy. If I bought the plan at $460, and never used that plan a day of my life, my new plan is going to cost me $706? Let’s subtract the cost of Obamacare and just say that due to other students using their plan, my plan is going to cost $500.
That’s economics?
segasagez on September 5, 2012 at 2:37 PM

So, a) you either didn’t bother to read the rest of what I posted that explained how the insurance market works which implies that you are ignorant and choose to remain ignorant in order to promote your political point of view, or b) you don’t care what the truth is and just want to continue to rant about your political point of view.

Either way, malicious or ignorant and unwilling to be trained, you have demonstrated that you are simply a troll and not a very bright one at that. If you were a halfway intelligent liberal troll (yeah, intelligent liberal is pretty much an oxymoron), you would at least have tried to defend how risk pools could be defined differently or costs contained in some other statist way, but you chose the “insurance companies are ripping people off! eleventy!1″ approach.

That, or as I opined earlier, your 8 year old is using your account, making you look like a damfool.

AZfederalist on September 5, 2012 at 2:46 PM

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