Murlo26
12-04-2014, 03:11 PM
Do you even know how rates are created? They are created by the insurance companies in a rate model that is directly attributed to the health of your companies workforce. (I worked at an insurance company and know exactly how this is calculated). If you have a startup that has 20 employees that sit in cubes and are all within the ages of 24-32, that rarely go to the doctor and are healthy individuals. you will get a MUCH lower rate than the same company with 20 employees that are in their 40s to 50s, have health issues etc. All of this is taken into account when the group rate is calculated, which is why rates are not calculated on a case by case basis, but on an averaged group basis, so that a 25 year old will have the same rate as a 60 year old at the same company.
Yes I understand this.
Are you not listening to this though, my company which is 300 people or so I think, said flat out because of the ACA we were forced to switch providers due to the providers increasing rates so much.
I guess I don't see how that isn't completely black/white.
Our rates jumped 50% in one year because of the ACA. I understand rates always go up and again, my company for 50+ years covered those increases but it was so much recently due to the ACA that they chose to pass on some of that burden to us instead of reducing our coverage so we can get the same awesome health care as keeping your employees healthy is worth it.
Yes I understand this.
Are you not listening to this though, my company which is 300 people or so I think, said flat out because of the ACA we were forced to switch providers due to the providers increasing rates so much.
I guess I don't see how that isn't completely black/white.
Our rates jumped 50% in one year because of the ACA. I understand rates always go up and again, my company for 50+ years covered those increases but it was so much recently due to the ACA that they chose to pass on some of that burden to us instead of reducing our coverage so we can get the same awesome health care as keeping your employees healthy is worth it.