States approving huge spikes in health-insurance premiums

posted at 8:41 am on August 27, 2015 by Ed Morrissey

When insurance companies began discussing the necessary premium hikes for the third year of ObamaCare coverage, the White House was quick to dismiss the requests. State auditors would surely force insurers to admit that these requests were overblown. Barack Obama himself told a Nashville audience last month that he couldn’t see why insurers needed to hike premiums by more than a third in Tennessee, the Wall Street Journal recalls:

At a July town hall in Nashville, Tenn., President Barack Obama played down fears of a spike in health insurance premiums in his signature health law’s third year.

“My expectation is that they’ll come in significantly lower than what’s being requested,” he said, saying Tennesseans had to work to ensure the state’s insurance commissioner “does their job in not just passively reviewing the rates, but really asking, ‘OK, what is it that you are looking for here? Why would you need very high premiums?’”

The insurers must have come up with a pretty good explanation. Tennessee approved a 36% hike in premiums for 2016, and they’re hardly alone, as Louise Radnofsky and Stephanie Armour report:

That commissioner, Julie Mix McPeak, answered on Friday by greenlighting the full 36.3% increase sought by the biggest health plan in the state, BlueCross BlueShield of Tennessee. She said the insurer demonstrated the hefty increase for 2016 was needed to cover higher-than-expected claims from sick people who signed up for individual policies in the first two years of the Affordable Care Act.

Several regulators around the country agree with her, and have approved all or most of the big premium increases sought by the largest health plans in their states for the new sign-up season that begins Nov. 1.

Here’s the chart showing proposed and approved rate increases for 2016 over 2015:

premium-chart-wsj

 

It’s the third year in a row for huge rate hikes, all due to the uncertainties built into the mandate-driven system of ObamaCare. The White House explained the hikes after the first year as an artifact of sudden access to care, but by year three that explanation has worn thin. The cost curve isn’t bending downward in any phase of health care, and it’s not even bending upward any longer. It’s skyrocketing, and insurers are reflecting that in their premium hikes.

At the same time that premiums have escalated, of course, deductibles have expanded almost exponentially for some families. Consumers are paying outrageously high premiums for insurance they will almost certainly never access, thanks to the need to spend thousands more out of pocket on top of these premiums before insurers have to cover anything but wellness checks.

The above chart doesn’t take into account my own state of Minnesota. The state has not yet acted on rate increase requests from its insurers, which have the potential to outstrip anything on the WSJ’s radar. Blue Cross Blue Shield wants an average increase across its plans of fifty-four percent, while Health Partners requested average increases of 23%. In fact, UCare — which had been the low cost option heading into 2016 — has bumped its increase request by more than double this summer:

With the July filing, UCare upped its proposed average rate increase from 12 percent to 27 percent — a bump that’s more in line with increases being sought by other individual market carriers for 2016. …

At the time, Blue Cross and Blue Shield of Minnesota commanded attention by seeking an average increase of about 54 percent for 179,000 Minnesotans in the market for individuals who buy outside of employer groups.

HealthPartners sought an average increase of 23 percent for 51,860 people. UCare’s proposal applies to about 10,000 current policyholders.

The UCare proposal is just that — regulators are scheduled to release final rates this fall, and proposed increases could be knocked down by the rate review process at the Minnesota Department of Commerce.

They can be “knocked down,” but these insurers can also pack up and leave the ObamaCare system, too. They can stick with employer-based insurance and Medicare Advantage portfolios and leave the individual markets. That’s exactly what BCBS announced today that they will do in New Mexico. If that happens, then Minnesota politicians will be under the gun to explain why their constituents can’t get health insurance any longer, the same as in Tennessee, Oregon, Kentucky, and so on. All Obama will do is ask rhetorical questions and pretend that he knows risk-pool management better than those who operate them … which is exactly how we got the disaster of ObamaCare in the first place.


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Comments

No Worries. Obamacare has saved us all $2500 per year on health insurance. This minor increase won’t even be felt.

Skipity on August 27, 2015 at 8:46 AM

NECESSARILY Skyrocketing

ConstantineXI on August 27, 2015 at 8:48 AM

This cannot be! “The One” said our expenses would be lower. Must be the Republicans.

faol on August 27, 2015 at 8:50 AM

Quite a legacy Barry….

FireBlogger on August 27, 2015 at 8:51 AM

It’s really SCOTUScare.

Omama didn’t push it the final yards. Republican appointee John Roberts did.

David Blue on August 27, 2015 at 8:51 AM

Julie Mix McPeak,

Who?

Cleombrotus on August 27, 2015 at 8:51 AM

Quite a legacy Barry….

FireBlogger on August 27, 2015 at 8:51 AM

And John.

David Blue on August 27, 2015 at 8:52 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

NECESSARILY Skyrocketing unexpetedly

ConstantineXI on August 27, 2015 at 8:48 AM

You forgot a word.
–MSM

Gatsu on August 27, 2015 at 8:53 AM

I will say it again.There will be more uninsured than before this disaster began.

docflash on August 27, 2015 at 8:53 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

Oh, so nopw it’s FIXED, is it?

Cleombrotus on August 27, 2015 at 8:54 AM

King Barack…..showing his IGNORANCE, on crisis at a time.

GarandFan on August 27, 2015 at 8:54 AM

The One is attempting to do to private insurance what he has done to the coal industry – kill it. Welcome to Killary Kare, suckas.

vnvet on August 27, 2015 at 8:55 AM

And in New Mexico, Blue Cross put in for more than a 50% rate increase for 2016. That was refused, so BCBS has just announced that they will not participate any further.

If you like your plan you can keep it!

worldtvlr on August 27, 2015 at 8:56 AM

All Obama will do is ask rhetorical questions and pretend that he knows risk-pool management better than those who operate them …

It’s not his fault Ed, he found out about all this on the news like the rest of us.

And, rest assured, he is just as mad as us too.

All is well.

Gatsu on August 27, 2015 at 8:58 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

Fix what, the vast majority were happy.

rob verdi on August 27, 2015 at 9:01 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

The Socialist solution is a disaster, it’s killing middle class families, but hey, it’s still a solution!

Remember when the GOP offered a solution to the coming Fannie Mae disaster in 2005? But the Dems blocked it because “Fannie and Freddie are stronger than ever!” Oh, shockingly, they accused the GOP of racism for suggesting the mortgage crisis was coming.

I don’t need any more Leftist “solutions.” If you like them so much, go enjoy all the “solutions” in Venezuela.

mankai on August 27, 2015 at 9:02 AM

Boehner and McConnel as well as in his dreams Prez. Jeb Bush will get right on this and have it repealed by Halloween. In the meantime, get yer Caitlin Jenner Halloween costume before they sell out.

they lie on August 27, 2015 at 9:02 AM

I’m not worried. Boehner promised he’d do something about it!

*crickets*

mankai on August 27, 2015 at 9:03 AM

I’m glad no one in Merika is angry about this, esp. widdle Marco.

they lie on August 27, 2015 at 9:05 AM

This was the plan all along, in order in the 2016 election campaign cycle to justify the Democratic nominee running on the idea that the only thing wrong with Obamacare was the evil insurance companies, and they single-payer, totally government-run health care would fix that problem.

What they didn’t count on was the online exchanges being such a disaster in October of 2013 it immediately soured the public on the idea of any more government control over health care. That should give whomever the GOP nominee is a big opening next year to push for changes to Obama away from state-run options — whether they take it is another story entirely.

jon1979 on August 27, 2015 at 9:05 AM

Obamacare is just another form of welfare, with the necessary tax hikes to fund it. He is killing the middle class on purpose.

dolfan on August 27, 2015 at 9:06 AM

AFFORDABLE!

Star Bird on August 27, 2015 at 9:08 AM

Well dangit…

Somebody must be saving $2,500 a year?

Walter L. Newton on August 27, 2015 at 9:09 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

It’s pretty bad when your “fix” has to be fixed.

Cleombrotus on August 27, 2015 at 9:10 AM

I liked my plan, but I can’t afford my plan!

hip shot on August 27, 2015 at 9:11 AM

Chart of the Day.

A chart so big we couldn’t fit into the usual graphic space. :D

Mark Boabaca on August 27, 2015 at 9:14 AM

As a broker since 99 and a consumer with medical problems..I can honestly
say I have never dealt with something so Effed up
as this is in my life.
BCBS is also one of the worst I’ve dealt with.
And big surprise the they were heavily in support of
O’Care. They also screw brokers on commissions..I loath BCBS out of all
of the vipers. My increase last year was 19%. I left for United but it was a bad trade off. You’re screwed no matter what you do.
As carriers drop out..few choices remain. They know this.

They can stick with employer-based insurance and Medicare Advantage portfolios and leave the individual markets.

It is what I have done. I refuse to sell O’Care and have stuck to my groups and Medicare supps sales.
Somethings are not worth the $.
But I deal with my GF’s policy and it is non-stop problems.

The more companies that pull out..leave you of course fewer choices.
We had Assurant pull out this year. UHC jumped in the game but they have few plan options and their new system is a wreck…
Nobody knows what they are doing. Then you include Healthcare.Gov and it is a colossal joke.

I know what I’m doing and have a hard time..for those who don’t..SMH

All Obama will do is ask rhetorical questions and pretend that he knows risk-pool management better than those who operate them … which is exactly how we got the disaster of ObamaCare in the first place.

Yes, Obama..the actuarial! He has no GD idea what he is talking about or why this will implode. Nor does he care.
He has his hands around America’s throat and is choking us.
This is a mess.. (understatement)
May he rot in hell for what he has done.

bazil9 on August 27, 2015 at 9:15 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

Hahahaha your such an idiot…….

angrymike on August 27, 2015 at 9:15 AM

What, me worry. Jorge Ramos is on the case.He and bimbo MK will get it fixed and Roger Ailes will see to it.

they lie on August 27, 2015 at 9:16 AM

This is not unexpected — it’s a feature not a bug. The whole point of this fiasco is to drive us to single payer (preferably without any options for private insurance to cover any gaps, nor the ability to pay cash if the insurance won’t cover it). That this plan has been a disaster in countries where it is fully implemented doesn’t matter, the narrative is sooooo much more important than the facts./sarc

If they had really wanted to improve access to primary care and lower medical costs overall, it would have been much more effective (and cheaper) for the government to cover med school tuition so young doctors don’t start their practice with hundreds of thousands of dollars of debt. and work to increase the number of family practice/internal medicine residency slots.

LibraryGryffon on August 27, 2015 at 9:18 AM

Bush had 8 years to fix this, he didn’t!

So Bush had 8 years to fix the rate hikes directly attributable to the debacle of 0bamacare. OK.

F X Muldoon on August 27, 2015 at 9:18 AM

Why is New Jersey not on the list? Oh wait, I know – the number was so far off the chart, they couldn’t plot it!

Rix on August 27, 2015 at 9:19 AM

“Let’s not repeal it. We just need our own version of it!”

-Vichy Rebulicrats

libfreesMom on August 27, 2015 at 9:19 AM

Booooosh!!!! – the lefist’s answer to all their failures

johnnybgood on August 27, 2015 at 9:19 AM

What the heck is with Florida? Regulators approved 200% of the requested increase! It’s still less than 10% overall increase but still…

ExpressoBold on August 27, 2015 at 9:21 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

We have a solution, you dolt, but we are not allowed to talk about it. You’d like it because it involves hemp. No, not the smoke.

Rix on August 27, 2015 at 9:21 AM

bazil9 what do you think needs to be done to fix things? Thanks.

PaleoRider on August 27, 2015 at 9:22 AM

Bush had 8 years to fix this, he didn’t!

The Dem. lite party has no intention of fixing this. Bush, Boehner,and McConnel are all happy with this as their special interest pimps are getting rich and their pockets are also being lined. But, hey, the real deal is that Lindsay Gayham is going to beat the chit out of Donald in SC. He has purchased a new pink purse for the occasion.

they lie on August 27, 2015 at 9:24 AM

What happened in Florida? How did they request a lower increase but get approved for a higher increase? Did someone fail at negotiating?

clement on August 27, 2015 at 9:30 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

(Ok… I’ll play along).

And the Obama administration has had almost eight years to fix it. And it’s more expensive then before.

Maybe the socialist Bernie can fix it.

Walter L. Newton on August 27, 2015 at 9:31 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

Bush helped introduce HSA’s/High deductible health plans.
People either loved them or hated them.
Those who don;t like taking personal responsibility, usually
were the haters.
It was another good option for people..libs pissed all over it.
I will grant you this..we have had problems for a long time that needed to be addressed and weren’t..but Obama took a bad situation and made it 1000x’s worse. IMO, why people looked to the left..as they were talking a a good game..the “we care and feel your pain BS”.
People tho are feeling the pain and dealing with constant issues now..they are waking up..these are people once excited about O’care.

My groups/employers are getting hit hard right now and O’Cares implementation timeline is rolling a long. I just delivered a renewal yesterday with the new Paca tax..3.8 % of taxes alone built into the increase.

This isn’t Bushes fault..and I’m no Bush fan..but please use some facts when making an argument.

bazil9 on August 27, 2015 at 9:35 AM

This is what happens when you have incompetent fools making decisions that far exceed their experience and intellect. These idiots would shoot squirrels with a howitzer.

rplat on August 27, 2015 at 9:36 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

There is an old saying, though you wouldn’t be able to understand it. “If it aint broken, don’t fix it”. The American Healthcare system wasn’t “Broken“. It just didn’t do what the Marxist/Socialists wanted it to do.

80 percent of American citizens had Healthcare, no American citizens were denied emergency healthcare, 70 percent liked the Healthcare coverage that they had. What was causing Healthcare to be unacceptably expensive, was and still is the 40 million illegal Aliens in America using it as their primary Healthcare.

It wasn’t the Healthcare system that was broken, it was and is the immigration system that is broken.

Could the American Healthcare system have been made less expensive and more efficient, Yes, it could have. It would have only required a few modest tweeks to the existing system. Remove the portability restrictions, open the market’s to interstate competition would have done the vast majority of what was needed to make American Healthcare more affordable to everyone.

But affordability and quality of Healthcare was not what the Marxist/Socialists wanted. What they wanted was complete and total control over who obtained what Healthcare and under what circumstances.

In short, they wanted Healthcare to be a cudgel that they could use to force everyone to submit to their political and social agenda’s. Do and say what we want you to, when we want you to, or no medical care for you. Period.

oscarwilde on August 27, 2015 at 9:38 AM

No Worries. Obamacare has saved us all $2500 per year on health insurance. This minor increase won’t even be felt.

Skipity on August 27, 2015 at 8:46 AM

So sorry for you. Obamacare saved me 3,000%!!1!

Serious Drivel on August 27, 2015 at 9:39 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

Wrong bucko. Solutions were put out there, you leftiest twits wanted nothing to do with it and shut them out.

This is yours… all yours. In fact, I highly suggest that no republican touch this matter with a 12 foot poll. Let it sink on its own because you guys rammed it and then rubbed everyone’s face in it. The electorate spoke before it got passed by electing a guy who ran on nothing else but being the final no vote to kill the bill, instead you all hurried it up to get it “deemed” passed before he could take his seat.

Eat it you . Its all yours. Your talking point, like the racist card, is worn out. People see exactly what you did, and no one is buying ” BUT BUT BUT ITS THE REPUBLICANS FAULT!!!!”.

watertown on August 27, 2015 at 9:42 AM

Through my employer plan I pay $6,500 per year in premiums for my family. We have a $50 copay for all visits. We have a $2,500 individual deductible and a $4,000 family out of pocket.

Thanks Obama! Looking forward to another 30% increase.

mkbruin on August 27, 2015 at 9:45 AM

You know you are on the losing side, when your best argument is, “Your side did nothing, so my side had to totally screw it up.”

Serious Drivel on August 27, 2015 at 9:46 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

That is the most ignorant thing I have read today. Your comment may have been ok if the healthcare system was better now than when Bush was in office but you didn’t even consider that. A solution or fix isn’t to benefit 6 million and negatively impact 100+ million.

When the roof leaks in a couple houses you don’t tear down the whole neighborhood.

tej on August 27, 2015 at 9:46 AM

bazil9 what do you think needs to be done to fix things? Thanks.

PaleoRider on August 27, 2015 at 9:22 AM

Oh gosh..I’m at work and shouldn’t even be messing around on here.
My laptop broke..lost everything..had a great article on how to address not insurance per say but the raising healthcare costs which are driving the insane renewals I have been handing out the last 10 yrs or so. I wish I could share it with you.

What I’ve also been told..is around 40% of premium loaded is your RX coverage.
Which makes sense to me.

Big Pharma.

Insurance is complex..so a “fix” wouldn’t be simple.Individual, sm group, lrge group, Medicare ect… But I believe if we
look at what is driving healthcare costs (not just insurance “fixes) we’d do a lot better. Also, bringing back choices..that O’care eliminated.
One size does not fit all. Let people decide on the coverage they need..what fits for them. Employer plan Potability, selling across state lines (good competition) Tort reform, I could go on and on.

One example..It is very expensive to add dependent coverage at your employer.
I would have an employee with usually 1 or 2 healthy kids..I would suggest writing them an individual policy as they couldn’t afford to add at the employer. I can’t do that anymore. Minors can’t have a stand a lone policy anymore..the parent has to be on it. Just this one little example..
They have taken all your choices away. As usual, they need to stay the hell out of our lives (Govt) That control…
Anyway, I wish I had time and links for you..not a quick convo.

bazil9 on August 27, 2015 at 9:54 AM

…where is Brainloc telling us all this is bull..??

Pelosi Schmelosi on August 27, 2015 at 9:59 AM

Anyway, I wish I had time and links for you..not a quick convo.

bazil9 on August 27, 2015 at 9:54 AM

Another time, thanks.

Forensics friend on SSDs… you sometimes have one shot,
then it is gone.
Hope it is not that.

PaleoRider on August 27, 2015 at 10:18 AM

bazil9 on August 27, 2015 at 9:54 AM

The solution will be neither simple nor quick, but nonetheless the simple, quick answer is that the more everyone except the seller and the buyer are required to BUTT OUT, the better, more ubiquitous and more affordable the product will be.

That applies to any product or service you can name, not just insurance.

GrumpyOldFart on August 27, 2015 at 10:21 AM

My family has been uninsured for 12 years. It’s like living with a time bomb.

Before the guberment got involved, we were covered. Then incremental intervention and regulations a decade ago increased the price inflation rate, and we were priced out. Right before the Emperor appeared on stage, we were once again on the cusp of affording coverage. Then, of course, you all know what happened.

So since 2008 we find the only way to get any care is to simply pay cash, and hope that we don’t have a major health catastrophe, as catastrophic insurance has been basically outlawed. Docs like to get paid cash, and the discounts are hefty. Too bad that system is not encouraged instead of persecuted.

Our standard of living has been decimated, our security jeopardized, and sheeple like Weed think it is great.

So hey, Weed, GFY you stupid prick. You and your kind have seriously screwed with my families health and security. One day, I will get even.

btw, we refuse to take welfare, medicaid, or the rest of the “free shit” that the stupid socialist cabal think we should sign up for. I will be poor and free before I owe this diseased, festering, fascist government anything.

captnjoe on August 27, 2015 at 10:23 AM

Obama may not be “able to see” why insurers need big premium increases, but they have to provide cost information to support their requests. It is not as though they just ask for an increase as a whim. It is obvious that Obama and his Democrat minions have no understanding of insurance and risk, upon which insurance is based. They do not see insurance as risk based. Unfortunately, for them, math still is precise and exacting, not like common core wants it to be.

Techster64 on August 27, 2015 at 10:23 AM

bazil9
What I’ve also been told..is around 40% of premium loaded is your RX coverage.
Which makes sense to me.

It’s interesting that you mention this.
No one is talking about how the cost of meds have gone up. (I finally heard something about it last week on a local radio program).

A few months ago I saw a dermatologist for a minor skin allergy.
I had to get a small tube of a steroid anti-inflammatory cream.

One pharmacy wanted $300. I almost fell over. I called 3 more and finally found it at Walmart to $170. I called the Dr. and asked him about it. He said prescription costs are through the roof due to
O-care.

We are all screwed.

njcowgirl on August 27, 2015 at 10:25 AM

PaleoRider on August 27, 2015 at 10:18 AM

No problem.
It is a much need conversation to have and explore.
Have a good one.

bazil9 on August 27, 2015 at 10:26 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

First, the Republicans gave us High Deductible plans and Medical Savings Accounts in the 90s. They left it up to the states and the people to implement that. They did not.

Why? Because 80% of the people were happy with the system as it was. You don’t fix something that ain’t broke.

Lastly, the GOP has offered many solutions. Just because the liberal media doesn’t talk about them doesn’t mean they don’t exist.

Occams Stubble on August 27, 2015 at 10:30 AM

Higher premiums and higher deductibles brought to you by Democrats…but never fear the GOPe will repeal and replace.

d1carter on August 27, 2015 at 10:30 AM

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

So did Clinton. Not sure what is your point.

And as Republicans pointed out, in the summit where they brought three licensed physicians and the ranking member of the budget committee to discuss alternatives, Bush needed 60 votes for any of his plans, too.

And the idea that a person cannot reasonably point out that a cure is not working if it’s worse than the disease, is asinine.

The Schaef on August 27, 2015 at 10:31 AM

njcowgirl on August 27, 2015 at 10:25 AM

Yep, if you look up the true cost of a medication without insurance…you will pass out.
They load the medical premium with RX in mind..the actuarial’s look at the risk and-there you have it.
The most consistent expensive claims, actually besides hospital and out patient surgery.

I’ve researched going without insurance..why I didn’t let it go?
My RX costs. Not cash to see my Doc..Its ALL Meds.
I have a 4 tier drug benefit..even with Ins..2 of my meds are $120 a piece.
The true cost would be about $1000 a piece without.

Yes, RX is important to the discussion.

bazil9 on August 27, 2015 at 10:34 AM

Single payer is the Marxists/Socialists dream….

d1carter on August 27, 2015 at 10:41 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

Barry Obama: “Oh look, our life raft has a leak. I know what I’ll do…I’ll replace it with a lead weight! Yay, me!!”

AubieJon on August 27, 2015 at 10:41 AM

Can’t be complaining about an issue in which you offer no solutions.

Bush had 8 years to fix this, he didn’t!

weedisgood on August 27, 2015 at 8:52 AM

…^ This!…IS your brain…on Drugs…^

JugEarsButtHurt on August 27, 2015 at 10:42 AM

Yes, RX is important to the discussion.

bazil9 on August 27, 2015 at 10:34 AM

Thanks for the reply. You’ve offered a lot of good info this morning.

njcowgirl on August 27, 2015 at 10:45 AM

Can’t be complaining about an issue in which you offer no solutions.
Bush had 8 years to fix this, he didn’t! weedsgood

Wow, I didn’t know that GWB had a chance to fix Obummercare. See we learn something new every day here at HA.

soghornetgunner on August 27, 2015 at 10:49 AM

Some commentors claim the system wasn’t broke but I would differ. Obummercare is all about health insurance, not about health care. The problem lies with the cost of provide health care and none of the legislation has dealt with this. We need to bring down the costs of medications, hardware and services. We also need tort reform for malpractice.

soghornetgunner on August 27, 2015 at 10:57 AM

njcowgirl on August 27, 2015 at 10:45 AM

Thx NJ.

I’ve been in the business for years..so I obviously
have a leg up.
I’m careful tho..I don’t want to reveal too much about myself or anything
that could get me into trouble.
I’m glad I helped you today. There is so much to say on this subject..it’s overwhelming.
Have a good day.

bazil9 on August 27, 2015 at 11:01 AM

Obummercare is all utabo health insurance, not about health care. The problem lies with the cost of provide health care and none of the legislation has dealt with this. We need to bring down the costs of medications, hardware and services. We also need tort reform for malpractice.

soghornetgunner on August 27, 2015 at 10:57 AM

+100

bazil9 on August 27, 2015 at 11:03 AM

What can I say, my health plan used to be very competitive offering tremendous choices at low premium payments and affordable co-pay. Now, it’s become a catastrophic health plan, with high premiums, virtually no benefits and tons of paperwork. The Republicans offered a ‘cheap’ catastrophic health plan in opposition to Obama, it looks like Obama took them up on their offer and made it expensive to boot. Thanks government, what would I do without you. Why I would be better off!

oarmas on August 27, 2015 at 11:08 AM

Single payer is the Marxists/Socialists dream….

d1carter on August 27, 2015 at 10:41 AM

For the people, this has the appeal of simplicity.
No paperwork, no complexity, none of the levels of difficulty
that come with this thorny and complex subject.

Bernie’s standard is have the rich people pay their fair share and
voila, it is done. These simplistic ideas are very attractive to folks.

I fail to come up with simple easy to understand counter.
Competition, choice, common sense.

The left sees big Pharma in bed with the Govt, setting prices and billing the taxpayer, who is someone else.
Rising costs are seen as proof that Obamacare is a necessary evil first step to single payer. Evil profit finally removed.

PaleoRider on August 27, 2015 at 11:08 AM

PaleoRider on August 27, 2015 at 11:08 AM

I believe you are right.

People like their easy co-pay’s and simplicity.

When HSA’s coupled with HDHP came out..those that put thought into it
loved them..I had other’s that found it to complicated and wouldn’t even make the effort to learn about them. Because they had to THINK- and participate in their own HC decisions.
I had people that would have had a better choice and save $ by going the HSA/HDHP route but chose the simple route and paid more.
People are lazy…

bazil9 on August 27, 2015 at 11:19 AM

btw, we refuse to take welfare, medicaid, or the rest of the “free shit” that the stupid socialist cabal think we should sign up for. I will be poor and free before I owe this diseased, festering, fascist government anything.

captnjoe on August 27, 2015 at 10:23 AM

God Bless but I think you are on the wrong track. Take EVERYTHING. If 100% of the people grab the free cheese, the system will crash and evolve. Put it out of it’s/our misery quickly and healing will begin. If you don’t like the “free shit”, donate the money/stuff to a nice conservative cause.

Larry who left LA for Montana ;)

LarryinLA on August 27, 2015 at 11:36 AM

The problem with free shit is that it’s shit.

GrumpyOldFart on August 27, 2015 at 12:00 PM

When premiums decline y’all are going to be pissed!
libfreeordie on May 7, 2014 at 10:18 AM

Schadenfreude on August 27, 2015 at 12:31 PM

Obamacare is great! Just ask any Democratic idiot.

Nradude on August 27, 2015 at 1:35 PM

which is exactly how we got the disaster of ObamaCare in the first place.

No, we got Obamacare when John Roberts(BUSH appointee)betrayed us all and then ran off to an island.

magicbeans on August 27, 2015 at 1:43 PM

The quickest and most simple fix would be to scrap all federal regulations, and let people buy insurance from any state, with the the state regulating the insurance companies based in the state.

Count to 10 on August 27, 2015 at 1:48 PM

TY bazil9 for your informative posts from the belly of the beast. Single payer healthcare would look like Native American tribal Reservation care or the VA. How has that worked out?

nuclearoptional on August 27, 2015 at 2:43 PM

This is not a bug but a feature. As the costs continue to go way up, the Democrats will blame it on the very nature of private health insurance. The solution will, of course, be for the government to become the sole provider.

bartbeast on August 27, 2015 at 3:28 PM

Can’t be complaining about an issue in which you offer no solutions.

weedisgood on August 27, 2015 at 8:52 AM

“We’re not coming before you to say we have a definitive solution to our long-term problem. What we do know is we don’t like yours.”

Tim Geitner to Paul Ryan, on how to pay off $100 trillion in government debt.

The Schaef on August 27, 2015 at 5:34 PM