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Lower Health Insurance Premiums to Come at Cost of Fewer Choices
NY Times ^ | Sept 22, 2013 | By Robert Pear

Posted on 09/23/2013 6:22:37 PM PDT by Jim Robinson

WASHINGTON — Federal 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.

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


TOPICS: Front Page News; Government; News/Current Events
KEYWORDS: aca; democrats; govtabuse; healthexchanges; obama; obamacare
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To: mylife

I’d like to see some substantiation on that.
Can you provide the subsection of the law that references this?

The only religious exemption I can find is for groups that are currently outside the Soc Sec system, which includes Amish and Mennonites.


21 posted on 09/23/2013 6:56:28 PM PDT by nascarnation (Democrats control the Presidency, Senate, and Media. It's an uphill climb....)
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To: 9422WMR
Wonder how people will like the $10,000 deductible they will have with that cheap mandatory health insurance?

Platinum: No deductible
Gold: No deductible
Silver: $2,000 Medical Deductible
Bronze: $5,000 for Medical and Drugs

22 posted on 09/23/2013 6:56:38 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: mylife

Mine is going up around $90 but, then, I’m in a new age category also.


23 posted on 09/23/2013 6:58:00 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: steve86

Not for family vato. Add it up.


24 posted on 09/23/2013 6:59:09 PM PDT by 9422WMR (: " Tolerance is the virtue of a man who has no convictions".)
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To: nascarnation

Hey! I read it on the internets!


25 posted on 09/23/2013 7:01:15 PM PDT by mylife (Ted Cruz understands the law, and he does not fear the unlawful.)
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To: MeshugeMikey

Well they must mean it will be lower for the people who will get if for free like the people who get the obamaphones, They will see lower or no premiums while you and I will be paying for it and in my case I will get to pay a penalty but will have no insurance because I wont be able to afford the premiums. FBO


26 posted on 09/23/2013 7:01:55 PM PDT by funfan
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Comment #27 Removed by Moderator

To: 9422WMR

Yes, I think that is individual. Max out of pocket for family I just posted.


28 posted on 09/23/2013 7:03:43 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: mylife

No offense but I’m not buying it until I see some links.


29 posted on 09/23/2013 7:04:24 PM PDT by nascarnation (Democrats control the Presidency, Senate, and Media. It's an uphill climb....)
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To: nascarnation

Muslims aren’t exempt. He was joking or just spouting off. It has been claimed many times on FR but isn’t true.


30 posted on 09/23/2013 7:07:06 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: steve86

LET ME TRY THAT AGAIN

Maximum out-of-pocket for one:

Platinum: $4,000
Gold: $6,350
Silver: $6,350
Bronze: $6,350

Family:

Platinum: $8,000
Gold: $12,700
Silver: $12,700
Bronze: $12,700


31 posted on 09/23/2013 7:09:50 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: steve86

They did a news article on a DFW local station tonight. Two health navigators were walking the street and went up and knocked on an apartment door in shady neighborhood. Fat Mexican holding a light skinned kid came to the door. The two insurance whores started telling him how he and his family was eligible for insurance. No way in hell is that guy going to pay $2 dollars fo insurance for himself and his half dozen kids and esposa.
They will just keep showing up at the emergency room and expecting free healthcare.


32 posted on 09/23/2013 7:10:44 PM PDT by 9422WMR (: " Tolerance is the virtue of a man who has no convictions".)
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To: 9422WMR
They will just keep showing up at the emergency room and expecting free healthcare.

Very possible.

33 posted on 09/23/2013 7:11:44 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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Govt involvement will lower premiums... sure it will.


34 posted on 09/23/2013 7:14:07 PM PDT by Gene Eric (Don't be a statist!)
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To: Jim Robinson

Ultimately, fewer choices will translate into more sick people, followed in short order with more dead people — many of whom were perfectly content with their coverage and their plan before ReBamaLosi “reformed” healthcare.


35 posted on 09/23/2013 7:25:14 PM PDT by JohnBrowdie (http://forum.stink-eye.net)
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To: MeshugeMikey

“Federal officials often say that health insurance will cost consumers less than expected...”

Guess they “expected” much higher rates. Still BS but it sounds better.


36 posted on 09/23/2013 7:26:08 PM PDT by Henry Hnyellar
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To: 9422WMR
They will just keep showing up at the emergency room and expecting free healthcare

And then, when the hospital decides to close the emergency room in order to stay in business...
37 posted on 09/23/2013 7:26:29 PM PDT by LostInBayport (When there are more people riding in the cart than there are pulling it, the cart stops moving...)
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To: LostInBayport

The hospitals do get federal funds to try and offset those unpaid ER visits — that’s one thing they’re trying to reduce but probably won’t work.


38 posted on 09/23/2013 7:37:12 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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To: Jim Robinson

Invest in rope. I predict a lot of it is going to be needed in D.C.


39 posted on 09/23/2013 7:37:31 PM PDT by Old Yeller (Who am I to judge homosexuals? That's what the Tony Awards are for.)
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To: Jim Robinson
And this article is courtesy of...not some right-wing source, but the reliably liberal New York Times...
40 posted on 09/23/2013 7:38:36 PM PDT by AmericanExceptionalist (Democrats believe in discussing the full spectrum of ideas, all the way from far left to center-left)
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