Post How Much Your Health Insurance Will Drop from 2015 to 2016

[Bitter Creek]

Post How Much Your Health Insurance Will Drop from 2015 to 2016 and what you plan to do with the savings.

My cost is dropping by a negative 13%. I will be using this savings to not buy as much stuff or investing as much in my future.

 

[imprimis]

$0

 

[shortbus]

Mine went up.

 

[shortbus]

Actually let me rephrase, it will be going up, along with my deductible.

 

[NeekReevers]

Post How Much Your Health Insurance Will Drop from 2015 to 2016 and what you plan to do with the savings.

My cost is dropping by a negative 13%. I will be using this savings to not buy as much stuff or investing as much in my future.

I already posted a topic griping about this but my plan, which I was forced into two years ago when they discontinued my previous plan, is being discontinued. The plan they are switching me to drops from gold level to silver, deductible doubles from $3,000 to $6,000, and cost goes up 9%.

 

[Medic007]

I had really great insurance before Obamacare. Now my plan looks more like the garbage offered on the exchanges and I find that strange. I was told by Dear Leader that if I liked my plan I could keep my plan. Surely he wasn't dishonest...

 

[wyomingosualum]

I already posted a topic griping about this but my plan, which I was forced into two years ago when they discontinued my previous plan, is being discontinued. The plan they are switching me to drops from gold level to silver, deductible doubles from $3,000 to $6,000, and cost goes up 9%.

I'm sure what you meant to say is that your premium has gone down by $2500 per year per family.

 

[TPOKE]

Mine stayed the same. However, last year, I had to drop my wife and have her get insurance through the school district's carrier because my provider went to a $150/month from $75/month penalty if the spouse was offered insurance through their employer and denied it. For 2016 it went to $200/month. Carrying my 2 kids with the same $900 deductible saves me over $5,000 a year. Even though my wife has to pay for her's we figured we'll save around $2000 when it's all said and done. Not preaching, but taking the time to read your policy pays dividends. Think how many people across the country just sign up and move on because they don't want to deal with it.

 

[N. Pappagiorgio]

Mine dropped -7%

 

[long-duc-dong]

Our BCBS small group plan went up 7%. Was told small group plans were going up between 10%-44% due to healthcare reform. The average increase is 15% with BCBS.

 

[OSUDirt]

This again...

Mine went down as did almost everyone's in my company.

For years and years before Obamacare health insurance was going up double digit percents every year. This is the first year it has gone down.

 

[wyomingosualum]

This again...

Mine went down as did almost everyone's in my company.

For years and years before Obamacare health insurance was going up double digit percents every year. This is the first year it has gone down.

Mine doubled in the first two years. Looks like it's going up to the $1800 range per month now for a family of four. It had been going up around 10% annually prior to the law being implemented, but the curve got a hell of a lot steeper after that.

Does your company pay for your health insurance? What company do you guys use? If they sell in my state, I'll take a look at them.

 

[07pilt]

down 70%, but not really apple to apples.

 

[wyomingosualum]

down 70%, but not really apple to apples.

Please elaborate!

 

[07pilt]

Please elaborate!

I went from a network provider plan to a high deductible + HSA plan. I am healthy, young, high earner and really just need insurance to cap the cost of a catastrophic condition.

 

[poke2001]

I'm on high deductible. My portion went up almost 50%, but it isn't that much per month. That said, I have no idea what my company pays yet...it may have gone up even more.

Anyone who had no change or a drop with the same plan is likely lying.

 

[Bitter Creek]

I went from a network provider plan to a high deductible + HSA plan. I am healthy, young, high earner and really just need insurance to cap the cost of a catastrophic condition.

I've been on the high deductible for 3 years and maybe 4. I buy my insurance with the same plan in mind, I can handle small things on my own and really haven't even needed small attention in years. I just don't want to be wiped out by something big.

 

[ctdub]

After double digit increase the last few years mine was set to only go up +6% this year. But my company in now offering a low premium, high deductible plan with an HSA. So I took that option and will max out my HSA at $6,750/year. I'm paying a little more than I was last year, but if there's anything left in my HSA I can invest it and it will grow tax free for future healthcare costs. After crunching all the numbers by maxing out my HSA I will do no worse than break even in the worst case scenario. More than likely I'll come out ahead on this plan.

 

[Bitter Creek]

What was the trend period that the administration used for their future cost projections when they were in ad campaign mode? Anyone know?

 

[07pilt]

What was the trend period that the administration used for their future cost projections when they were in ad campaign mode? Anyone know?

Fact check on the original claim
http://www.factcheck.org/2008/06/obamas-inflated-health-savings/

On whether the claim is still valid
https://www.washingtonpost.com/news...attack-on-a-dubious-obama-health-care-pledge/

Memo from 2008 that the claim is based on
http://www.nytimes.com/packages/pdf/politics/finalcostsmemo.pdf

 

[squeak]

Up a little.

 

[Marshal Jim Duncan]

 

[purkey]

up 20%...

 

[Bitter Creek]

Weren't ER visits going to decrease as well?

http://www.wsj.com/articles/u-s-emergency-room-visits-keep-climbing-1430712061

 

[3putt]

High deductible with an HSA. Mine went up about 27%.

 

[Medic007]

Weren't ER visits going to decrease as well?

http://www.wsj.com/articles/u-s-emergency-room-visits-keep-climbing-1430712061

There aren't many physicians signing up for the dismal reimbursement and mountains of red tape that is Medicaid. Any person with a few brain cells could see the Obama administration and Dems were making shit up about decreasing ED visits. Increasing the Medicaid patient population while the numbers of Medicaid providers continues to plummet was a recipe for disaster that only Dems could imagine being a success.

Due to ever increasing demands and overcrowding in emergency departments, many are starting to be aggressive in turning away patients that don't have a life threatening illness or injury, further reducing access to healthcare for many low income folks.

Way to go team Barry.