10 lessons learned from this election - Page 6
+ Reply to Thread
Page 6 of 12 FirstFirst ... 2345678910 ... LastLast
Results 51 to 60 of 114
Like Tree56Likes

Thread: 10 lessons learned from this election

  1. #51
    Posting Addict Spacers's Avatar
    Join Date
    Dec 2003
    Location
    My avatar is the tai chi -- a symbol of the eternal cycle of life
    Posts
    16,392

    Default

    Quote Originally Posted by ethanwinfield View Post
    I have check stubs dating back to 2000. My insurance has gone up consistently by 15 - 20% every year. I don't understand how it can be blamed on Clinton (2000 - 2001), Bush (2001 - 2009), or Obama (2009 - current). But I guess it's easier to blame Obama care than actually look at how much your (general) health care cost over the past 15 years or so.
    I do agree with this to a certain extent. I've researched historical health care cost escalation as part of my job. Nationwide, the per capita cost of health insurance has increased at a pretty consistent rate for the last two decades. From 2000-2010 it was 72%; admittedly, there were a couple of years of higher increases in this time period, but the other years smooth the total. And about 35% of those cost increases are due to basic price escalation, i.e. everything costs more now, you'd need $1344 to buy now what you could buy for $1000 in 2000. From 1990-2000 the overall increase was 71% increase, and from 1980-1990, the increase was 157%. And the health care cost increases from 2010 to 2012 have been between 4%-6% overall, nationwide. Why are some people seeing a higher increase? Because their employer is shifting costs to the employee, or because they have an individual plan in which their insurance cost more closely matches their actual health care expense, and because people have generally been demanding more diagnostic tests and brand-name drugs than they have in the past. The cost of "routine" prenatal testing alone has more than tripled in the U.S. in the past decade and hasn't increased the odds of a healthy baby; we still more moms & babies dying than almost any other developed country.

    Quote Originally Posted by boilermaker View Post
    We have our open enrollment happening right now and our healthcare costs have not gone up. Anthem BCBS. This is the second year in a row that we've not seen an increase.

    Programs that the federal govt has done well?
    Interstate highway system
    Higher education/land-grant institutions established by the Morrill Act
    NIH
    NOAA
    NREL
    FAA


    The federal government has made investments where others will not.

    I'm actually optimistic that Obamacare will help the economy. I use my own family as an example. My dh and I have always wanted to start our own business. Until now, that hasn't been an option bc the only way we can get healthcare coverage for him is through employee sponsored plans. We have may more options under the new healthcare bill.

    I also think we ARE providing subsidized healthcare to folks now-- but we do it by ambulance and ER, the two MOST expensive ways to deliver healthcare. We spend more per capita than other countries with much poorer outcomes. Why is that? I don't think the plan is perfect, but do feel it is important.

    I also think it is an outrage that the life expectancy for a person in poverty is 10-14 years LESS than a person not in poverty. I guess you could say I'm pro-life in that regard.
    ITA with absolutely everything Audra says here, including the part about exploring self-employment if health care coverage for my DH weren't an issue. And my health insurance also didn't go up last year and isn't going up next year, not my portion, nor my employer's. I'm on an HMO plan and I don't know if the PPO plan had increases or not. I lost my chiropractic care last year, and my generic drug coverage increased from $10 to $15, but my premiums and co-payments have remained the same.
    David Letterman is retiring. Such great memories of watching him over the past thirty-two years!

  2. #52
    Posting Addict smsturner's Avatar
    Join Date
    May 2009
    Location
    Hamilton, NY
    Posts
    5,863

    Default

    Quote Originally Posted by mom3girls View Post
    My FIL and uncle have both been doing the math for months on what Obamacare will cost them. My FIL thinks he can continue without laying anyone off but will have to do away with the Christmas bonus he gave them and possibly the # of vacation days.
    I'd rather have healthcare than a christmas bonus....
    Susan, dh Tom, dd Megan, ds Marcus, ds #2 coming Feb, 2014

    Lilypie Maternity tickers

    I never knew until that moment how badly it could hurt to lose something you never really had. - Missed Miscarriage at 10 weeks - 3/26

  3. #53
    Mega Poster mom3girls's Avatar
    Join Date
    Jan 2007
    Posts
    3,381

    Default

    Quote Originally Posted by smsturner View Post
    I'd rather have healthcare than a christmas bonus....

    My FIL pays 5-10% higher salary then other employers in his field so his employees can buy their own insurance. He plans on keeping pay where it is now if he can, but they will lose other benefits that he offers (most others in his field do not offer any)
    Lisa
    Molly, Morgan, Mia and Carson

  4. #54
    Prolific Poster
    Join Date
    Aug 2004
    Posts
    2,192

    Default

    They can save money by going in on a group plan or merging with others in the same field to get a larger contract on a group plan. He is doing himself and his employees a disservice by paying for individual plans.
    Spacers and smsturner like this.

  5. #55
    Posting Addict
    Join Date
    May 2002
    Location
    Chicagoland
    Posts
    15,350

    Default

    We just had our open enrollment, too. Our company offers several different options, and on average the rise in cost was 5% - which is actually less than last year. However, more things are covered with no co-pay or deductible having to be met first, so that's saving us several co-pays.
    Carolyn - 37
    Wife to Chad - 39
    Mom to Tom - 15
    Matt -11
    Nathan - 10


  6. #56
    Posting Addict smsturner's Avatar
    Join Date
    May 2009
    Location
    Hamilton, NY
    Posts
    5,863

    Default

    Quote Originally Posted by mom3girls View Post
    My FIL pays 5-10% higher salary then other employers in his field so his employees can buy their own insurance. He plans on keeping pay where it is now if he can, but they will lose other benefits that he offers (most others in his field do not offer any)
    Wait. Do you mean so they have to buy their own privately? Or so they can buy it in his plan? I pay 7 of my pay into health insurance. And it's worth it. I can't imagine anyone not wanting to have health insurance. And if you buy it privately it usually runs a ton more than 10% of my income. It doesnt' sound like he's doing any favors...just that he doesn't want to offer it. Health insurance isn't a luxury...it's a necessity! I can't think of a single benefit that they might lose that would outweigh health insurance.
    Spacers likes this.
    Susan, dh Tom, dd Megan, ds Marcus, ds #2 coming Feb, 2014

    Lilypie Maternity tickers

    I never knew until that moment how badly it could hurt to lose something you never really had. - Missed Miscarriage at 10 weeks - 3/26

  7. #57
    Prolific Poster
    Join Date
    Aug 2004
    Posts
    2,192

    Default

    Lisa~I'm really serious...let him know his options of going in with the other companies in his field. Cost is spread over a larger group so rates are lower and the larger they are more negotiating power they have with the insurance companies. They have to file and be approved first through the DOI as a group but it's usually not an issue.

    For example, a few years ago a bunch of banks in Mass. got together to form an association and they can purchase insurance over a large group. It is still handled per bank but instead of having say 100-200 employees to split from they now have 1000s.

  8. #58
    Mega Poster mom3girls's Avatar
    Join Date
    Jan 2007
    Posts
    3,381

    Default

    Quote Originally Posted by Jessica80 View Post
    Lisa~I'm really serious...let him know his options of going in with the other companies in his field. Cost is spread over a larger group so rates are lower and the larger they are more negotiating power they have with the insurance companies. They have to file and be approved first through the DOI as a group but it's usually not an issue.

    For example, a few years ago a bunch of banks in Mass. got together to form an association and they can purchase insurance over a large group. It is still handled per bank but instead of having say 100-200 employees to split from they now have 1000s.
    They can buy into the group plan with that, he just feels he wants his employees to make choices with their money. About 50% do not buy insurance through the group plan, he does not always know the reason (does not think he has a right to ask why they dont buy)
    Lisa
    Molly, Morgan, Mia and Carson

  9. #59
    Posting Addict KimPossible's Avatar
    Join Date
    Apr 2002
    Posts
    20,004

    Default

    Quote Originally Posted by wlillie View Post
    eta-It shouldn't matter what your skin color is when it comes to the issues. Why does everything always have to be about race? Shouldn't they have the same wants and needs as white people?
    People have covered the healthcare stuff but i wanted to go back to this. I know i'm always talking about Diane Rehm but she just seems to be so timely in her coverage of things compared to when we talk about them here that I had to bring it up. Yesterdays' show was about what the GOP needs to do to get more in touch with the voters....

    They touched on the racial issue and explicitly recognized that GOP has to accept that the needs of each individual are different and can be influences by their culture and race. Basically if the GOP continues to believe what you are suggesting, they are screwed. Its a reality...not a matter how they think it *should* be.

    The guests on the show were not liberals criticizing conservatives. They were republicans or republican consultants for the most part. Again, great show. Honestly, listening to them, i think if the GOP employed most of their suggestions, i would very likely find a republican candidate i would vote for.

    It made me wonder why they seem to know this but the people who need to know it don't! Anyway, going to make another rec to listen to the show, it was another good one.

    What's Ahead For The Republican Party | The Diane Rehm Show from WAMU and NPR
    Jessica80 likes this.

  10. #60
    Mega Poster mom3girls's Avatar
    Join Date
    Jan 2007
    Posts
    3,381

    Default

    Quote Originally Posted by KimPossible View Post
    People have covered the healthcare stuff but i wanted to go back to this. I know i'm always talking about Diane Rehm but she just seems to be so timely in her coverage of things compared to when we talk about them here that I had to bring it up. Yesterdays' show was about what the GOP needs to do to get more in touch with the voters....

    They touched on the racial issue and explicitly recognized that GOP has to accept that the needs of each individual are different and can be influences by their culture and race. Basically if the GOP continues to believe what you are suggesting, they are screwed. Its a reality...not a matter how they think it *should* be.

    The guests on the show were not liberals criticizing conservatives. They were republicans or republican consultants for the most part. Again, great show. Honestly, listening to them, i think if the GOP employed most of their suggestions, i would very likely find a republican candidate i would vote for.

    It made me wonder why they seem to know this but the people who need to know it don't! Anyway, going to make another rec to listen to the show, it was another good one.

    What's Ahead For The Republican Party | The Diane Rehm Show from WAMU and NPR
    I think realizing that the needs of people can and will be different is why the feds need to put the power back in the states hands. People in DC making decisions about forrests in Oregon that they have never set foot in makes zero sense
    wlillie likes this.
    Lisa
    Molly, Morgan, Mia and Carson

+ Reply to Thread
Page 6 of 12 FirstFirst ... 2345678910 ... LastLast

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
v -->

About Us | Contact Us | Privacy Policy | Sitemap | Terms & Conditions