Free Republic
Browse · Search
News/Activism
Topics · Post Article

Skip to comments.

In Washington State, Obamacare Will Increase Individual Health Insurance Premiums By 34-80%
Forbes ^ | June 23, 2013 | Avik Roy

Posted on 06/23/2013 8:25:58 PM PDT by grundle

In Maine, New Jersey, New York, Vermont, and Washington, insurance markets are already regulated in much the same way that Obamacare will. These states force insurers to cover everyone, despite pre-existing conditions, and they oblige carriers to charge similar rates to younger and older customers. Despite these factors, it turns out that in Washington state, Obamacare will still increase the underlying cost of individually purchased health insurance by 34 to 80 percent, on average.

Washington state imposed ACA-like reforms in 1993

the Evergreen State blew up its individual health insurance market in 1993, when Democrats instituted a set of reforms modeled after Hillary Clinton’s plan for universal coverage. The state instituted guaranteed issue (barring insurers from excluding pre-existing conditions), community rating (the young subsidizing the old), premium price controls, and planned to phase in employer and individual mandates to purchase health insurance. It mandated the benefits that each plan must carry, and raised taxes to subsidize the purchase of these insurance plans by low-income state residents.

But in 1994, Washington voters put Republicans in charge of the state legislature; the GOP repealed all of the Democrats’ reforms except two: guaranteed issue and community rating. As Carol Ostrom of the Seattle Times described, Washingtonians quickly figured out how to game the system by dropping in and out of coverage when they had health bills to pay:

What happened next is starkly summarized in a 1995 letter sent to Premera Blue Cross by a woman in Eastern Washington.

A few months before she gave birth that year, the woman bought an individual policy from Premera. As soon as the insurer paid her hospital expenses, the woman canceled the policy, telling Premera “we will do business with you again when we are pregnant.”

(Excerpt) Read more at forbes.com ...


TOPICS: Miscellaneous
KEYWORDS: obamacare

1 posted on 06/23/2013 8:25:58 PM PDT by grundle
[ Post Reply | Private Reply | View Replies]

To: grundle

They’ve already started going up.


2 posted on 06/23/2013 8:30:24 PM PDT by Jack Hydrazine (I’m not a Republican, I'm a Conservative! Pubbies haven't been conservative since before T.R.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: Jack Hydrazine

Yep. Last year mine double-dipped: fewer options and less coverage for a much higher premium.

Thank you Øbongo and thank you rob mekenna.


3 posted on 06/23/2013 8:34:50 PM PDT by rockrr (Everything is different now...)
[ Post Reply | Private Reply | To 2 | View Replies]

To: grundle

Somebody has to pay for the freeloaders and illegals to get their “free” healthcare promised to them by their DemocRAT massas.


4 posted on 06/23/2013 8:35:24 PM PDT by FlingWingFlyer (Osama tried and failed. Obama got it done.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: Jack Hydrazine

Ours went up 25% last November (am awash state resident). Had to pay - in advance - for people with pre existing conditions was the “reason”. So I dropped my dental trying to stay ‘even’.

Will likely drop all heath care in 2014 if another increase. Then every Fu$#g Evergreen student and POS state worker can pay for my catastrophic coverage when I walk into the horsepistol and demand service like the illegals do.


5 posted on 06/23/2013 8:41:27 PM PDT by llevrok (We are in a new Cold War. At home.)
[ Post Reply | Private Reply | To 2 | View Replies]

To: grundle
On an emotional level, many people think it's "cruel" if an insurance company won't cover pre-existing conditions. In fact, it's stupid to cover such things. Wouldn't work for cars, would it?
6 posted on 06/23/2013 8:42:36 PM PDT by ClearCase_guy
[ Post Reply | Private Reply | To 1 | View Replies]

To: rockrr

The “Affordable Care” act. Thanks Chief Justice!


7 posted on 06/23/2013 8:48:41 PM PDT by tumblindice (America's founding fathers: All armed conservatives.)
[ Post Reply | Private Reply | To 3 | View Replies]

To: grundle

Look to Washington D.C. to see the bad things coming to all the exchanges.


8 posted on 06/23/2013 8:57:36 PM PDT by Mike Darancette (Fight the culture of nothing.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: grundle

My health insurance went from “free from employer” to $500/month. What’s that percentage increase?


9 posted on 06/23/2013 9:01:25 PM PDT by Royal Wulff
[ Post Reply | Private Reply | To 1 | View Replies]

To: Jack Hydrazine

In the last four years years my monthly insurance bill (WA state, two adults, three kids, catastrophic, high deductible) has gone from $328/mo. to $987/mo. And now even higher deductible and a lesser maximum.

But - abortions and birth control pills are probably covered, so there’s that. Probably tattoos as well.

I for one can’t wait until Obamacare kicks in and it will be free.


10 posted on 06/23/2013 9:14:49 PM PDT by 21twelve ("We've got the guns, and we got the numbers" adapted and revised from Jim M.)
[ Post Reply | Private Reply | To 2 | View Replies]

To: llevrok

You’re forgetting one salient point, bro, the noncompliance penalty. Prepared to be a test case, after all the Feds and the State know who you are and what political mindset you possess, you will be punished.

It’s like the old Fram commercial...”Pay me now or PAY me later! “Before you slam it, Fram it”, my single person policy went up by $300 monthly if it does it again maybe we can request being housed in the Freeper Wing at Walla Walla.


11 posted on 06/23/2013 9:17:58 PM PDT by bigfootbob
[ Post Reply | Private Reply | To 5 | View Replies]

To: 21twelve

don’t forget about paying for viagra....


12 posted on 06/23/2013 9:36:04 PM PDT by cherry
[ Post Reply | Private Reply | To 10 | View Replies]

To: grundle

As Nancy says, we all must pay out the yang-yang for the benefit of Affordable Healthcare. It’s the new American way.


13 posted on 06/23/2013 9:41:16 PM PDT by pallis
[ Post Reply | Private Reply | To 1 | View Replies]

To: Royal Wulff

I still laugh at the name they gave it - Affordable Care Act. We all knew there would be nothing affordable about it and when has more government involvement ever made things cheaper?

These turds in Congress destroy everything they touch.


14 posted on 06/23/2013 9:55:54 PM PDT by volunbeer (We must embrace austerity or austerity will embrace us)
[ Post Reply | Private Reply | To 9 | View Replies]

To: bigfootbob
maybe we can request being housed in the Freeper Wing at Walla Walla.

I'm hoping for a view of the Blue Mountains; not sure which side they made my reservation. My luck will probably be death row in the basement.

15 posted on 06/23/2013 10:15:19 PM PDT by steve86 (Acerbic by Nature, not Nurture™)
[ Post Reply | Private Reply | To 11 | View Replies]

To: steve86
I'm hoping for a view of the Blue Mountains

I'd be happy stocking shelves at Dingle's Hardware in Dayton...

16 posted on 06/24/2013 12:10:58 AM PDT by llevrok (We are in a new Cold War. At home.)
[ Post Reply | Private Reply | To 15 | View Replies]

Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.

Free Republic
Browse · Search
News/Activism
Topics · Post Article

FreeRepublic, LLC, PO BOX 9771, FRESNO, CA 93794
FreeRepublic.com is powered by software copyright 2000-2008 John Robinson