March for health care!

[tpunx99GSX]

Originally Posted by Murlo26

What has improved exactly?

Yes, premiums have always gone up, not arguing that, but not at this rate. And who complained they couldn't afford it? I am guessing people that were unemployed or had employers that didn't provide it.

I am giving you a real world example. My company pays our own health care costs, last year it was 3.2 million in cost for claims and administration costs.

For the last 50+ years they have always absorbed the increases because they were consistent and not absurd and they could plan for it. We had to switch our network to health partners two years ago as the increase was 50% to renew ours at our other network, 50%!!!

Our costs still went up but just not nearly as bad. But it was bad enough that now we the employees have to pay out of pocket for the business to survive.

So again, how is this plan better? Because now poor people/free loaders get insurance? Again, I am happy you don't have to pay out of pocket (directly) but you are the minority across American because guess what, companies/corporations don't want to eat this whole cost alone.

And seriously, people have free health care or subsidized health care now, so where do you think that money is coming from? it doesn't just materialize...well maybe through our "quantitative easing" (LAWL), but we are all paying for the people that now have health care who couldn't afford it before.

Again, this is just more redistribution of wealth and more policies that further destroy the middle class. Soon it will be just poor and rich and no middle class if it isn't that way already, hard not to be when 50% of the population doesn't do shit.

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.

[polishmafia]

Originally Posted by tpunx99GSX

(I worked at an insurance company and know exactly how this is calculated)

"exactly"

Yup.

You worked for a healthcare company for ONE FULL DAY and then quit.

[Kracka]

Originally Posted by polishmafia

"exactly"

Yup.

You worked for a healthcare company for ONE FULL DAY and then quit.

I worked there for 13 months...I guess that makes me expert level?

[Goat Blower]

Originally Posted by Kracka

I worked there for 13 months...I guess that makes me expert level?

Or about 259 days more than Tom the expert.

[tpunx99GSX]

Originally Posted by polishmafia

"exactly"

Yup.

You worked for a healthcare company for ONE FULL DAY and then quit.

Two years with SeeChange Health, Working with the software used to calculate the rates, as well has all of the websites, backend databases and server infrastructure.

[Murlo26]

Originally Posted by tpunx99GSX

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.