It's not just expanding Medicaid although there is that part of it, it is also the state health care exchanges and the health care subsidies. I was reading somewhere that about 40-50% of people who are currently uninsured qualify for the subsidies and that in some places the subsidies were droppign the cost of the premiums down to costs as low as like $17 bucks a month. (I'm sorry I keep posting on the fly and keep not citing my sources, LOL) If you don't do any of the stuff that the ACA set up to lower the costs for the consumers because you refuse to accept that ACA is the law of the land, it's not going to work. That's just common sense.
I don't understand how the state running the exchange would make any difference? They have to follow federal rules, so what difference does it make if the exchange is run by the state or the federal government? The effect is the same. It also sounds like the healthcare you will get through these plans will be extremely limited. (Again they say less than expected... which is still higher than what many are paying now)
Full articleFederal officials often say that health insurance will cost consumers less than expected under President Obama’s health care law. But they rarely mention one big reason: many insurers are significantly limiting the choices of doctors and hospitals available to consumers.
From California to Illinois to New Hampshire, and in many states in between, insurers are driving down premiums by restricting the number of providers who will treat patients in their new health plans.
When insurance marketplaces open on Oct. 1, most of those shopping for coverage will be low- and moderate-income people for whom price is paramount. To hold down costs, insurers say, they have created smaller networks of doctors and hospitals than are typically found in commercial insurance. And those health care providers will, in many cases, be paid less than what they have been receiving from commercial insurers.
Some consumer advocates and health care providers are increasingly concerned. Decades of experience with Medicaid, the program for low-income people, show that having an insurance card does not guarantee access to specialists or other providers.
Consumers should be prepared for “much tighter, narrower networks” of doctors and hospitals, said Adam M. Linker, a health policy analyst at the North Carolina Justice Center, a statewide advocacy group.
“That can be positive for consumers if it holds down premiums and drives people to higher-quality providers,” Mr. Linker said. “But there is also a risk because, under some health plans, consumers can end up with astronomical costs if they go to providers outside the network.”
Insurers say that with a smaller array of doctors and hospitals, they can offer lower-cost policies and have more control over the quality of health care providers. They also say that having insurance with a limited network of providers is better than having no coverage at all.
Cigna illustrates the strategy of many insurers. It intends to participate next year in the insurance marketplaces, or exchanges, in Arizona, Colorado, Florida, Tennessee and Texas.
“The networks will be narrower than the networks typically offered to large groups of employees in the commercial market,” said Joseph Mondy, a spokesman for Cigna.
The current concerns echo some of the criticism that sank the Clinton administration’s plan for universal coverage in 1993-94. Republicans said the Clinton proposals threatened to limit patients’ options, their access to care and their choice of doctors.
At the same time, House Republicans are continuing to attack the new health law and are threatening to hold up a spending bill unless money is taken away from the health care program.
In a new study, the Health Research Institute of PricewaterhouseCoopers, the consulting company, says that “insurers passed over major medical centers” when selecting providers in California, Illinois, Indiana, Kentucky and Tennessee, among other states.
“Doing so enables health plans to offer lower premiums,” the study said. “But the use of narrow networks may also lead to higher out-of-pocket expenses, especially if a patient has a complex medical problem that’s being treated at a hospital that has been excluded from their health plan.”
And some insurers are even refusing to participate because they can't make any money under the federal guidelines.
Blue Cross, Aetna, United, Humana Flee Obamacare Exchanges | CNS News
Mom to Lee, Jake, Brandon, Rocco
Stepmom to Ryan, Regan, Braden, Baley
Granddaughters Kylie 10/18/2010 & Aleya 4/22/2013
I never consider a difference of opinion in politics, in religion, in philosopy, as a cause for withdrawing from a friend. --Thomas Jefferson
As for taking insurance you don't need/want. Yeah, when I got married in 2002, my husband and his teenage son were also covered for pregnancy and his daughter, my daughter, and I were all covered should we happen to get prostate cancer.
MSNBC is saying that the premiums are actually costing less than projected before:
A boost for Obamacare: Premiums cost less than expectedWith less than one week to go before health care “exchanges” or state-based insurance marketplaces open for enrollment, the Obama administration is touting some promising findings: Individual premiums will cost an average of $328 per month, the White House said this week, 16% lower than the Congressional Budget Office projected.
According to a report released Wednesday by the Department of Health and Human Services, individual insurance premiums will be lower than projected for 95% of Americans. Costs vary by state, family size, and annual income, among other factors.
The White House is undergoing a broad push to encourage Americans to enroll in the optional insurance program, a core tenet of President Obama’s signature health care law. The success of the program relies on people signing up — especially younger and healthier Americans.
Former President Bill Clinton and former Secretary of State Hillary Clinton joined Obama at the Clinton Global Initiative meeting in New York Tuesday to discuss the benefits of the insurance program, aimed at covering the 15% of Americans who live without health insurance — and often drive up shared costs by seeking emergency, rather than preemptive care. Around 7 million people are expected to sign up for insurance in the exchanges during open enrollment between Oct. 1 and March 31.
Conservatives have been rallying the public against the exchanges and other provisions of the Affordable Care Act, or Obamacare, telling consumers they would pay higher premiums and have fewer choices in the reformed system. Republican Sen. Ted Cruz launched a more than 21-hour filibuster Tuesday and Wednesday advocating that Congress defund Obamacare, The Supreme Court voted to uphold the law last year.
70% of the U.S. population now lives in a state where same-sex marriage is legal. At 36 and counting!
Gloria - the state exchanges are what is driving the competition that is driving the prices down. (This was once a Republican idea, before Obama said it.)
#1 State plans are not the same as a federal plan.
#2 - Everyone in my state that has private insurance their plan is going up 100-$200 minimum for higher deductible and less coverage. SAME plan.. In my state I think it is called Cover Oregon (where the private plans are under the federal umbrella control of the "obama care" regs).
#3 We do have Low income state care but not everyone can be covered. Ie my neighbor needs a hip replacement that costs 20k and can't get a job and can't get on Oregon Health plan, as there is a waiting list, and families get priorities.. he will be one that will be fined yearly on his tax forms if he doesn't get privately insured.
---- We should NEVER be forced to buy anything.. I do understand paying our own way.. how about making those using the ER set up payment plans.. or sending the ones without true emergencies over to urgentcare... or making sure each community has a 24 hour urgent care? --- etc
DH-Aug 30th 1997 Josiah - 6/3/02 Isaac 7/31/03
Carolyn - 37
Wife to Chad - 39
Mom to Tom - 15
Nathan - 10