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View Full Version : March for health care!

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Halon
11-05-2013, 11:53 PM
Looks like my premium (which covers both me and wife) is going up $10/month. Doesn't seem too bad.
Kracka
11-06-2013, 08:46 AM
Did your company say how much extra they're covering?
Murlo26
11-06-2013, 10:33 AM
Did your company say how much extra they're covering?

This. I doubt that was the true increase but hey, maybe certain people don't get screwed as much as others.
Halon
11-06-2013, 01:35 PM
No they did not. I was just simply trying to share what I've found out so far, and that is all I know.
Kracka
11-06-2013, 01:36 PM
Appreciated! I'll post mine once I learn what it is.
asshanson
11-06-2013, 01:54 PM
Is there any way to find out employer contribution before end of 2014 when you get your W2?
Kracka
11-06-2013, 02:34 PM
Ask your HR person nicely.
tpunx99GSX
11-14-2013, 02:40 AM
I see no reason to respond to this yet Until i know how much my rate will increase. IF it does at all. I have not had any indication that it will or wont. Sorry, i believe in a fact based arguement, not OMG THE SKY IS FALLING ALL HELL IS BREAKING LOOSE... then to find out it was much ado about nothing.
goodhart
11-14-2013, 09:09 AM
I see no reason to respond to this yet Until i know how much my rate will increase. IF it does at all. I have not had any indication that it will or wont. Sorry, i believe in a fact based arguement, not OMG THE SKY IS FALLING ALL HELL IS BREAKING LOOSE... then to find out it was much ado about nothing.

For you maybe. How do you explain all the people getting their plans cancelled? Obama even apologized for that happening
tpunx99GSX
11-14-2013, 11:01 AM
For you maybe. How do you explain all the people getting their plans cancelled? Obama even apologized for that happening

Being that i work for an insurance company i know there are multiple reasons for this both because of the ACA and having nothing to do with it:
I could write this out, but this person wrote an excellent article outlining the reasons. http://www.washingtonpost.com/blogs/wonkblog/wp/2013/10/29/this-is-why-obamacare-is-cancelling-some-peoples-insurance-plans/

the ACA simply gives rules to insurance companies about the standard of care they should provide.
Whats funny is that the company i work for deals with insurance in california currently, in our minneapolis office we have Insperity that sells UHG plans. I got a notice from UHG stating we may have to switch plans because the plan we are on may not be available after the first of the year. When i looked on insperitys website i found a reply to this mail, which stated "None of the plans sold by Insperity will change. Please disregard this mail" I.e. I dont need to do anything to qualify for ACA.
My plan should also not increase by much, if any.
The reasoning behind rate increases could vary greatly. From your employer deciding they dont want to contribute as much, to the plan previously costing less and now they need a plan that meets the requirements so the plan costs more. It also depends on Risk assessments done on your company by the underwriters of the insurance company. If you dont know what these are, the insurance company rates your company based on how often your employees go to the doctor, any ailments they have (such as MS, Cancer, Smokers, other diseases, pregnancies, kids with disabilities, husbands or wives with disabilities) then they rate the entire company based on this factor. Your company and your employees have as much to do with your rate increase as the ACA does. Insurance premiums have been going up for many years, its unwise and too easy to simply blame the ACA for this.