According to the insurance guy I was talking to recently, in Wisconsin
the private plans are what had a 200% increase (or more) this year.
Sounds like you might have had that happen in Illinois too. Group
rates are generally lower. I think you can qualify for a group rate
with a very small number but I don’t know about it being just 1
employee. Before Obamacare, you could often get into groups by
joining a Chamber of Commerce.
*From:*Af [mailto:[email protected]] *On Behalf Of *That One Guy via Af
*Sent:* Thursday, October 09, 2014 1:03 PM
*To:* [email protected]
*Subject:* Re: [AFMUG] ObamaCare
The plan was private not group, does group cost more? I would expect
it to be less.
if I made 250k I wouldnt really care about paying double for a plan
I never looked at group because I assumed I wouldnt have staff for at
least a year.
On Thu, Oct 9, 2014 at 12:59 PM, Rory Conaway via Af <[email protected]
<mailto:[email protected]>> wrote:
If you don’t get subsidies or if you make over $250K per year, welcome
to the rich category as defined by the government.
Rory
*From:*Af [mailto:[email protected] <mailto:[email protected]>]
*On Behalf Of *That One Guy via Af
*Sent:* Thursday, October 09, 2014 9:54 AM
*To:* [email protected] <mailto:[email protected]>
*Subject:* Re: [AFMUG] ObamaCare
wealth transfer? Im not rich. Last year when contemplating going out
on my own and opening up shop one of the huge factors was insurance.
The plan I got quoted was going to run me around 450 a month to cover
me and my kids with a comparable amount of coverage to what i was
getting through work. I went last week to see what the cost was, the
only thing remotely close has 3 times the deductible and higher copays
for close to 900. I guess maybe im misunderstanding what rich is, I
was under the impression I was not, financially at least, in spirit,
im filthy rich. Is it my spirit that defines my rich/poor status? I
dont have the wealth to deliver to the poor in spirit.
On Thu, Oct 9, 2014 at 11:47 AM, Rory Conaway via Af <[email protected]
<mailto:[email protected]>> wrote:
Collin, socialized medicine or socialized anything doesn’t work. What
happened to the idea that Capitalism built the greatest country and
the greatest health care in the world. Why does everybody forget that
and keep wanting to go back to the failed systems in Europe,
Socialism, Communism.
Costs go up because of attorney’s and the technology behind our health
care. If you want cheap health care, get rid of MRI machines, genome
cancer treatments, laser surgeries, AiDs drugs, Hepatitis drug
research, etc… If all you want is an aspirin and a hug, you keep
holding to the idea that socialized medicine is a great idea.
Rory
*From:*Af [mailto:[email protected] <mailto:[email protected]>]
*On Behalf Of *Bill Prince via Af
*Sent:* Thursday, October 09, 2014 9:41 AM
*To:* [email protected] <mailto:[email protected]>
*Subject:* Re: [AFMUG] ObamaCare
Amen brother Conlin.
The way I see it, the biggest problem is that ObamaCare didn't go far
enough. We really, really need to have a system that gets a handle on
the costs. The cost to US citizens is more than double the cost to
other developed countries.
Just peruse this:
http://www.huffingtonpost.com/2013/03/26/charts-health-care-costs-americans_n_2957266.html
bp
On 10/9/2014 5:12 AM, Paul Conlin via Af wrote:
What did people expect? Insurance companies are the house. They
always make money. By accepting pre-existing conditions everyone
else’s premiums go up. By definition. The only way health
insurance can work is if it is universal (code for mandatory).
Can’t have people who can do math, like Chuck, opting out. Or
healthy people saying no. Everyone in. Everyone pays. Spreads
out the costs.
ObamaCare was never about controlling costs. It was about
increasing coverage. More coverage costs more. Why are people
surprised at this? If you want to control costs you have to
redesign the way money flows. Our system of providers and
insurance companies is **designed** to maximize heath costs. It
is a positive feedback loop. What is needed is a single payer
system, like Canada, where one paying party can have maximum
leverage to minimize costs and who has limited ability to raise
taxes. It is a proper (negative) feedback system that has
inheritably more control. Canada, for the record, is not
privatized health care like the VHA. In fact it is the opposite.
The Government of Canada purchases all its healthcare from private
entities, like Medicare. A fact yet to be discovered by the media
in the USA.
It is hard to understand why the Republican’s hate ObamaCare since
it was mostly their idea. Well, other than ObamaCare was
championed by Obama and I guess that is enough reason. The basic
concept to use the free market and let industry to its thing is
normally what Republican’s want. Not to mention its inherent
ability to make more money for insurance companies and private
industry. Sure, they are upset that it is being used as a wealth
distribution system that makes people with money pay more and
people without pay less. Ok, so that is two reasons they hate it.
The mistake made, was not implementing a single payer system
simultaneously with universal coverage. The CBO calculated the
saving from the former would pay for the later resulting in no
increase in out-of-pocket costs. Then the other benefits of such
a privatized system would start to kick in and the open market
competition for services will drive costs down. With health care
general health would improve and costs would go down even more.
Unfortunately the Government is dysfunctional and has zero chance
of overcoming the trillions of dollars companies are making off of
the existing out of control health care system. And if they could
pass the laws, would anyone trust our Government to run such a
program? And there is the root problem.
Obviously an over simplification but now back to my real job.
PC
Blaze Broadband
*From:*Af [mailto:[email protected]] *On Behalf Of *Rory
Conaway via Af
*Sent:* Thursday, October 9, 2014 12:33 AM
*To:* [email protected] <mailto:[email protected]>
*Subject:* Re: [AFMUG] ObamaCare
People with pre-existing conditions are one of the few groups
benefitting from this.
Rory
*From:*Af [mailto:[email protected]] *On Behalf Of *Jeremy via Af
*Sent:* Wednesday, October 08, 2014 7:32 PM
*To:* [email protected] <mailto:[email protected]>
*Subject:* Re: [AFMUG] ObamaCare
We pay about the same as we did but our deductible is lower, our
out of pocket max is lower, and they covered our pregnancy. We
switched during the first trimester because we didn't have
maternity coverage (no self-insured plans in our state had it),
and Obamacare made pregnancy not count as a pre-existing
condition. It saved us about $7,000-$8,000 this year. The
craziest part is that we actually stayed with the same provider,
Select Health (IHC). It was just the difference between them
providing maternity and not providing maternity. We have been
very happy with our Obamacare.
On Wed, Oct 8, 2014 at 6:50 PM, Glen Waldrop via Af <[email protected]
<mailto:[email protected]>> wrote:
Further the subsidies have been deemed unconstitutional, so
they're forcing us to pay insurance with the promise of subsidies
that they are now going to take away.
Bait and switch.
The whole thing has been a screwup from day one.
It is actually cheaper for me to pay out of pocket than pay for
this insurance, but the fines will get you either way.
----- Original Message -----
*From:*Rory Conaway via Af <mailto:[email protected]>
*To:*[email protected] <mailto:[email protected]>
*Sent:*Wednesday, October 08, 2014 7:03 PM
*Subject:*Re: [AFMUG] ObamaCare
And so did the quality and options of your care. I know that
2 of my doctors retired early and the other one doesn’t take
Obamacare. Fortunately I don’t have to use it.
Here is my question though, doesn’t the fact that the federal
government wasted a couple billion dollars of your taxes on
websites that don’t work, companies that are paying workers to
do nothing, and companies that are friends with the First Lady
with no bid process in place?
Rory
*From:*Af [mailto:[email protected]
<mailto:[email protected]>] *On Behalf Of *Sean Heskett via Af
*Sent:* Wednesday, October 08, 2014 5:00 PM
*To:* [email protected] <mailto:[email protected]>
*Subject:* Re: [AFMUG] ObamaCare
Please don't forget that this whole "obamacare" thing was
"invented" by the American Heratage Foundation which is a
republican think tank. And the republicans tried to squash
"Hillarycare" with it in the 1990's.
Be careful what you ask for because you just might get it.
Also, so far in the states that set up their own exchanges
medical costs and premiums have been going down...mine sure did :)
2cents
Sean
On Wednesday, October 8, 2014, Travis Johnson via Af
<[email protected] <mailto:[email protected]>> wrote:
Hi...
I'm not sure exactly how this ObamaCare thing was supposed to
"save everyone money" and provider "better health care". We
just received our group health insurance premium notice for
the upcoming year, and our rates will go up by 10% starting 2015.
On top of that, everyone is now paying a 3% ObamaCare tax on
their personal income taxes. This doesn't really seem like
much of a savings to me... :(
Travis
--
All parts should go together without forcing. You must remember that
the parts you are reassembling were disassembled by you. Therefore, if
you can't get them together again, there must be a reason. By all
means, do not use a hammer. -- IBM maintenance manual, 1925
--
All parts should go together without forcing. You must remember that
the parts you are reassembling were disassembled by you. Therefore, if
you can't get them together again, there must be a reason. By all
means, do not use a hammer. -- IBM maintenance manual, 1925
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