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ACA and You can keep your health insurance (Page 5)
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 2015-09-24 10:59 AM in reply to: Left Brain |
 Deep in the Heart of Texas |  Subject: RE: ACA and You can keep your health insuranceOriginally posted by Left Brain I fi was young and you gave me 500.00 per month for health insurance that would BE my health insurance. I would put that money in a dedicated fund and watch it grow if I didn't need it. And pay the ACA "didn't give money to an insurance company tax." |
| 2015-09-24 11:43 AM in reply to: 0 |
Extreme Veteran  3025   Maryland | Subject: RE: ACA and You can keep your health insurance Originally posted by Left Brain I fi was young and you gave me 500.00 per month for health insurance that would BE my health insurance. I would put that money in a dedicated fund and watch it grow if I didn't need it. without your guidance do you think grif would be doing that? A lot of people in this county, especially from poor backgrounds, don't have the wherewithal. Edited by dmiller5 2015-09-24 11:44 AM |
| 2015-09-24 11:58 AM in reply to: dmiller5 |
Pro 15655   | Subject: RE: ACA and You can keep your health insurance Originally posted by dmiller5 Originally posted by Left Brain I fi was young and you gave me 500.00 per month for health insurance that would BE my health insurance. I would put that money in a dedicated fund and watch it grow if I didn't need it. without your guidance do you think grif would be doing that? A lot of people in this county, especially from poor backgrounds, don't have the wherewithal. I don't have any idea. But this is what I do know......there is no way to make sure everyone in the country doesn't fall through the cracks because of what they don't know or weren't taught, or don't have the guidance for. It'd be great if it wasn't that way, but at some point you have to be realistic and come to terms with the fact that not everyone is on equal terms economically. I hope that will always be the case. What a boring mess life would be if it wasn't. I guess we could all live in the same kind of house, go to the same kind of school, make the same income, have the same healthcare, and on and on..... and to top it all off, we could teach our children that they could aspire to nothing further as well. |
| 2015-09-24 12:26 PM in reply to: tuwood |
Expert 4923 Middle River, Maryland Silver member | Subject: RE: ACA and You can keep your health insurance Originally posted by tuwood Originally posted by jmk-brooklyn Originally posted by tuwood If you haven't already, you should find a broker and see if they can negotatie a better deal with another carrier. It's a pain in the neck to change medical plans, but it beats having to take a 20% hit. For the record, I've worked for companies where, for a number of reasons, our insurance carrier decided to jack our rates up by 20% or more. It happens-- it's not necessarily just because of the ACA. For a small company, it doesn't take much of an uptick in utilization for a carrier to decide that it's not worth the risk to carry the population without a significant increase in premiums. J. I was just informed that our Company health insurance is going up 20% in January. Yay, ACA is working (NOT) I can't remember all the rate increases over the last 6 years, but it's typically been in the 4%-8% if I recall. This is quite a divergence from the old norm (that was so horrible we had to create the ACA). I've always paid 100% of my employee medical coverages, but with this increase it cuts really deep. The team's not going to be very happy Jan 1, because their entire annual raise is going to be taken out and applied towards their healthcare. I had already done this, but the other unfortunate issue that the ACA failed to address (because the insurance companies didn't want them to) was the state barriers. In Nebraska we have Blue Cross and United Health (Cigna too, but they really suck). That's it. I do have an independent broker that I've used for years and he shops them every year and gives me quotes. The alternative was an almost 50% increase. For giggles I went out to the ACA SHOP to see what it would run me and it was more competitive than I thought but would still be around a 30% increase. My business partner (who owns and runs another company) has 45 employees and he's seriously considering just canceling all healthcare and paying his employees $500/mo. to go have fun in the open exchange. From a business standpoint this would be a real option because all cost increases from that point on would go against the employee and not the employer. I'm not there yet, but it is tempting. As for the top bolded passage, easy now. We're not all bad. :-) My cousin runs a similar-size heating and air conditioning business and she told me that last year she did exactly that, and it was way cheaper for her employees than going through her brokers. |
| 2015-11-14 11:24 PM in reply to: jmhpsu93 |
Pro 9391 Omaha, NE | Subject: RE: ACA and You can keep your health insurance |
| 2015-11-16 9:19 AM in reply to: #5105732 |
Extreme Veteran 429 | Subject: RE: ACA and You can keep your health insurance I know I'm late to this party but I just have to chime in. Breastfeeding has proven medical benefits for the mother and the child. These include lower rates of ear infections, lower risk of asthma and allergies, etc. To me it's an obvious business decision. If a company can pay for a $250 pump and encourage a mother to either a) breast feed in the first place and/or b) continue breastfeeding after returning to work, they can potentially avoid thousands of dollars in doctor visits and prescriptions. If a breast pump can help a mother and child continue the breastfeeding relationship and avoid even just one doctor's visit and possibly one prescription, then the insurance company has broken even on their cost. If they can avoid two doctor's visits then the insurance company is money ahead! For some women a good pump makes all the difference. They are not all created equally unfortunately, and women respond differently to different pumps. I've got lots and lots and lots of experience with breast pumps due to having a premature baby but I'll stop talking now. My point is, it's beneficial to insurance companies for them to offer that benefit. Back to Aretha Franklin!  |
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