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Why You Shouldn't Complain About Obamacare "Rate Shock"
Slate ^ | December 7, 2013 | Josh Barro, politics editor, Business Insider

Posted on 12/07/2013 9:31:44 PM PST by 2ndDivisionVet

Hillary Rosner, a Colorado-based freelance journalist, tweets about her search for a post-Affordable Care Act health insurance plan:

Hillary Rosner @hillaryrosner Follow Applied for new non-ACA health plan (ACA plans way too $ in CO). Insurer charging me 20% above quote bc I had a c-section. So f****d up.

11:27 AM - 5 Dec 2013

Here's the thing. You can have it one way on "rate shock," but you can't have it both ways.

There are, broadly, two ways that individual market health insurance could work. One is the situation we have now in most states, where it works more or less like homeowners' insurance: The insurer evaluates how many claims you're likely to make and sets your premium at expected claims plus a profit margin. If you have diabetes, you'll pay more, just like you'd pay more for homeowner's insurance if you lived on the beach.

Rosner is seeing a mild form of that problem. She's pricing out a policy that would start in 2013, meaning it's not subject to ACA rate-setting rules. The insurer thinks her prior Caesarian section makes her likely to make somewhat more claims so it's adding 20 percent to her premium. Rosner thinks that's messed up, and a lot of people agree....

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


TOPICS: Business/Economy; Culture/Society; Government; Politics/Elections
KEYWORDS: obamacare
Got that, stupid peasants?
1 posted on 12/07/2013 9:31:44 PM PST by 2ndDivisionVet
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To: 2ndDivisionVet

Amazing how many people want to be Goebels


2 posted on 12/07/2013 9:35:06 PM PST by GeronL (Extra Large Cheesy Over-Stuffed Hobbit)
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To: 2ndDivisionVet

Well we are not losing our insurance but apparently we are losing our doctor because of Obamacare. Went to a Christmas party tonight and was told by a friend who has the same doctor that her husband was in to see our doctor recently. There was a huge marketing push because the doctor is leaving and taking 600 patients with him. He is opening up a concierge service. $1800 a year and he will be your doc.
I knew our doc hated Obama and Obamacare but dang!!!!
This crap is going to effect everyone in one way or another.


3 posted on 12/07/2013 9:38:21 PM PST by sheana
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To: 2ndDivisionVet
Which brings us to the other way you can price health insurance: mandate that insurers charge the same price to everyone, regardless of health risk. The ACA does this, with the caveat that insurers are allowed a limited degree of age-based premium variation. Under ACA rules, the insurer wouldn't be allowed to raise Rosner's premium over a C-section.

Right.

And the only feasible out come is that the insurance companies will be bankrupted, and we'll be at the mercy of the politicians.

God help us.

4 posted on 12/07/2013 9:39:37 PM PST by IncPen (When you start talking about what we 'should' have, you've made the case for the Second Amendment)
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To: GeronL

Herr Reich Minister Joseph Goebbels lived like a king from the twenties until the last days of the Third Reich even though he wasn’t as high up the totem pole as Himmler, Goering, Bormann or a dozen others.


5 posted on 12/07/2013 9:43:56 PM PST by 2ndDivisionVet ("Of the 4 wars in my lifetime none came about because the US was too strong." Reagan)
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To: 2ndDivisionVet

Actually, the author is correct. There is no such thing as a free ride, so someone has to pay more so that someone else may pay less. It’s called socialism. So, earn more and/or take care of yourself, and you’ll have the privilege of taking care of those who don’t.

While there are some people who are poor or ill through no fault of their own, many others have made bad choices, like the homosexual who catches AIDS from sodomizing someone, the alcoholic who can’t hold a job, or the drug abuser who catches hepatitis from dirty needles. Those people will be covered at the expense of others who try to lead more responsible lives.


6 posted on 12/07/2013 9:44:39 PM PST by CitizenUSA (Democrats. The only constitutional rights they believe in are sodomy and abortion.)
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To: 2ndDivisionVet

I guess propaganda paid well


7 posted on 12/07/2013 9:45:21 PM PST by GeronL (Extra Large Cheesy Over-Stuffed Hobbit)
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To: sheana

Are you going to join that?


8 posted on 12/07/2013 9:46:28 PM PST by 2ndDivisionVet ("Of the 4 wars in my lifetime none came about because the US was too strong." Reagan)
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To: IncPen

That and the reason the CO resident looked for for out of marketplace coverage in the first place. In certain localities in CO the rates are sky high.


9 posted on 12/07/2013 9:48:27 PM PST by USNBandit (sarcasm engaged at all times)
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To: 2ndDivisionVet

People on the Left forgo logic and slavishly follow and obey their anointed leaders. Witness what happened in Russia with Lenin and Stalin, China with Mao, Korea with Kim and now America with Obama. Dangerous flaw in the psychology of Leftists.


10 posted on 12/07/2013 9:49:06 PM PST by allendale
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To: 2ndDivisionVet
The media.

They are first.

11 posted on 12/07/2013 9:53:58 PM PST by Lazamataz (Early 2009 to 7/21/2013 - RIP my little girl Cathy. You were the best cat ever. You will be missed.)
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To: Lazamataz

Hell yes.


12 posted on 12/07/2013 9:56:07 PM PST by Irenic (The pencil sharpener and Elmer's glue is put away-- we've lost the red wheel barrow)
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To: CitizenUSA

The Marxist first wookie warned early on about them needing a bigger slice of whiteys’ pies, so it’s not like she didn’t rattle her fat tail.
She is very involved in this generational theft.
Those of us who can fend for ourselves will be OK, but a lot of people are going to hurt. It’s hard to feel sorry for the nimrods who voted for them.


13 posted on 12/07/2013 10:02:24 PM PST by tumblindice (America's founding fathers: All armed conservatives.)
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To: 2ndDivisionVet

Neither should you complain that you only have four policies to choose from offered by only two insurance companies in your area, when you previously had so many choices that you complained about how hard it was to choose.

And you shouldn’t complain that the two companies can only offer policies that are almost identical, so in reality you can’t omit the policy features that you don’t want and don’t need, and thereby reduce the premium.

Central Planning: do us all a big favor! Thank you Comrades!


14 posted on 12/07/2013 10:05:37 PM PST by theBuckwheat
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To: 2ndDivisionVet

Wait...we’re not supposed to be talking about this anymore.
We’ve moved on to income inequality and the evil fast-food barons.


15 posted on 12/07/2013 10:11:44 PM PST by Ouchthatonehurt ("When you're going through hell, keep going." - Sir Winston Churchill)
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To: 2ndDivisionVet

Don’t buy the Insurance, pay the fine.

Then when your “pre-existing” condition reappears, or you break your arm, buy Insurance and go to the Doctor. Just have the Ovamacare number on your cell phone so you can call them from the Waiting Room at Emergency to sign up.

Isn’t that what Obamacare says you can do? It isn’t Insurance, it’s Healthcare.


16 posted on 12/07/2013 10:17:28 PM PST by Kickass Conservative (A Communist is nothing more than an honest Democrat...)
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To: sheana

My wife and I have different doctors. Both are doing exaactly as you describe - 600 patients with a yearly enrollment cost.

We are both joining as we believe:

If you like your doctor, you can keep your doctor

Because both our doctors want nothing to do with this trash heap of a government run system. We know both doctors well. They are trimming their clients to about 1/2 of what they serve now

Neither voted for the clown


17 posted on 12/07/2013 10:44:51 PM PST by jcon40
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To: jcon40

Don’t be too reassured. Eventually the medical boards will put an end to this inequality by restricting or threatening their licenses to practice. Comrade...it is only just to do so, no?


18 posted on 12/07/2013 10:56:14 PM PST by ogen hal (First amendment or reeducation camp)
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To: ogen hal

I absolutely agree. Some of my family lives in Italy. When universal health care hit there years ago many physicians ended up just quitting practicing or worked under the table.

Still I cant help but cheer the doctors who are standing up and saying they’re not going to play by the new rules.


19 posted on 12/07/2013 11:28:32 PM PST by jcon40
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To: 2ndDivisionVet
Why You Should(n't)...

There have be a lot of these titled articles coming from the MSM lately.

Is there a new agenda in the J-schools? Did someone focus-test this new style of push-journalism?

-PJ

20 posted on 12/07/2013 11:33:21 PM PST by Political Junkie Too (If you are the Posterity of We the People, then you are a Natural Born Citizen.)
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To: IncPen
Under ACA rules, the insurer wouldn't be allowed to raise Rosner's premium over a C-section.

Absolutely correct, so they'll raise everyone else's rates because she had a C-section.

21 posted on 12/08/2013 12:06:27 AM PST by ArmstedFragg (hoaxy dopey changey)
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To: 2ndDivisionVet

Funny that even Slate isn’t buying the claim that current insurers cancel everyone’s policies when they get sick. And yet... that was one of the primary “reasons” for Obiecare.

The lies go back all the way to the rationale for the legislation. In many ways it was a bill to fix a Democrat talking point, not a real problem.


22 posted on 12/08/2013 12:23:28 AM PST by ArmstedFragg (hoaxy dopey changey)
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To: sheana

“I knew our doc hated Obama and Obamacare but dang!!!!”

I have a feeling that in the very near future, the docs that refuse to work with obamanation will be denied any hospital “privileges” which will put them out of business if they do not comply with the presidents “mandates”.


23 posted on 12/08/2013 1:32:40 AM PST by freeangel ( (free speech is only good until someone else doesn't like it)
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To: freeangel
will be denied any hospital “privileges”

Hospitals would do that at their own peril, as their relationship is symbiotic.

24 posted on 12/08/2013 2:52:59 AM PST by jimmyray
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To: jimmyray
Hospitals would do that at their own peril, as their relationship is symbiotic.

If the hospitals do that, it will be because the Obamareich FORCED them to.

25 posted on 12/08/2013 2:59:31 AM PST by Fresh Wind (The last remnants of the Old Republic have been swept away.)
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To: jimmyray

“Hospitals would do that at their own peril, as their relationship is symbiotic”

I don’t think so. Bamys plan is to have a single payer system in which all docs will ultimately work for the government. One of the easiest ways to do this will be to prohibit docs from having privileges at hospitals unless they are willing to accept government payments.


26 posted on 12/08/2013 3:07:59 AM PST by freeangel ( (free speech is only good until someone else doesn't like it)
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To: freeangel
In the Canadian system, specifically in Alberta, where I have consulted with AHS, the Doctors band together and contract with the hospitals (AHS). The doctors have access to the facilities, and the Hospitals have access to the doctors.

In the US, with the rise of satellite and specialty outpatient services, many (most?) Doctors can often forgo the need to associate with hospitals at all. Several Doctors friends of ours don't practice in hospitals (primary care, allergists, pediatricians), and others are there infrequently (OB-GYN on call).

However, I can't underestimate the power of a coercive government.

27 posted on 12/08/2013 3:23:42 AM PST by jimmyray
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To: jimmyray

At our Ambulatory Surgery Center where the docs buy into partnerships, one of the requiremants is that they must have admitting privileges at one of the local hospitals. Perhaps I was basing my perceptions on that experience.


28 posted on 12/08/2013 3:48:00 AM PST by freeangel ( (free speech is only good until someone else doesn't like it)
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To: sheana

“$1800 a year and he will be your doc.”

Any idea what you get for the $1800? Or, is that the price of admission and its ala carte after that? 600 x $1800 is a wisp over a million, gross. Not bad


29 posted on 12/08/2013 3:58:39 AM PST by Artie (We are surrounded by MORONS)
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To: 2ndDivisionVet

Joshua A. “Josh” Barro is an American opinion journalist and the current politics editor at Business Insider.

He has previously worked as a Senior Fellow at the Manhattan Institute for Policy Research, as a real estate banker for Wells Fargo, and as the lead writer for the Ticker, an economics and politics blog hosted by Bloomberg L.P. He has a bachelor’s degree in psychology from Harvard.

He appears regularly on Bloomberg Television and has appeared on Real Time with Bill Maher on HBO and on All In with Chris Hayes on MSNBC. In early 2013, he was a prominent supporter of the trillion dollar coin, although by late 2013 he had changed his mind. Time named Barro’s Twitter feed one of “The 140 Best Twitter Feeds of 2013”, one of ten in the Politics category.

In 2012, Forbes selected him as one of the “30 Under 30” media “brightest stars under the age of 30”,and David Brooks listed him as part of the “vibrant and increasingly influential center-right conversation.” A former aide of Barack Obama named Barro among a short list of the President’s favorite columnists.

Barro lives in Queens, New York. He is openly gay and has written in support of gay marriage. His father is macroeconomist Robert Barro.


30 posted on 12/08/2013 4:05:53 AM PST by kcvl
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To: 2ndDivisionVet

Josh Barro

31 posted on 12/08/2013 4:07:50 AM PST by kcvl
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To: Kickass Conservative

Insurance may only be purchased during the annual open enrollment period. You cannot just sign up on your way to the ER.


32 posted on 12/08/2013 4:13:42 AM PST by informavoracious (Root for Obamacare and healthcare.gov failure!)
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To: 2ndDivisionVet

Bookmarked!

Thanks for posting..


33 posted on 12/08/2013 4:15:14 AM PST by Las Vegas Dave (The democRATic party preys on the ignorant..!)
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To: kcvl

Gaydar just went to mach 11.


34 posted on 12/08/2013 4:22:57 AM PST by LibLieSlayer (FROM MY COLD, DEAD HANDS! BETTER DEAD THAN RED!)
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To: Artie

Do not forget, this $ 1,080,000 must cover Office Rent, salaries for office personnel, nurses and the doctor’s income. Than there are ancillary costs for running an office - Electricity, water, any specialized equipment, etc.

This is a small business that does not have to incur the costs of dealing with the current insurance (Pre-Obycare) issues.

If you trust your Doctor you will no longer get double billed or receive bills a year or later after service, as is common practice today.


35 posted on 12/08/2013 5:04:01 AM PST by DanZ
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To: allendale

I;m glad you used the word “slavishly”, since the 99% who hated the Communists were indeed slaves under it. Just because 1% of the population is leftist and brought Communists to power doesn’t imply anything at all about the attitudes of the enslaved majority.


36 posted on 12/08/2013 5:04:06 AM PST by wildandcrazyrussian
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To: USNBandit
In certain localities in CO the rates are sky high.

What will happen to the insurance pools when people wise up and either move or at least get a new official residence at a PO box in another county? Will Obamacare need an army of spies like some suburban school districts use to make sure that parents aren't using fake addresses to get the kids out of their assigned city school?

37 posted on 12/08/2013 6:04:04 AM PST by KarlInOhio (Everyone get online for Obamacare on 10/1. Overload the system and crash it hard!)
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To: KarlInOhio
He worked for Wells Fargo is all I needed to see. They tried to take my house. Seems they can't keep track of paperwork after you send it to them 7 fing times. Then they will misplace your payment when someone goes on vacation. It took 2.5 hours to explain what they had done to the Comptroller of the Currency. It took months and months to explain it to Wells Fargo. Well actually over two years and they still didn't get it.

It is bad when your banking customer has better paper work tracking skills than you do.

If he worked for Wells Fargo I can only guess how bad he is at anything.

Did I mention to never never deal with Wells Fargo and their employees.

38 posted on 12/08/2013 6:29:40 AM PST by jimpick
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To: 2ndDivisionVet

We got this in an email. Pass it on!

Obama Flowers - Have you ordered yours yet?

(Receptionist) Hello, Welcome to ObamaFlowers, My name is Trina. How can I help you?

(Customer) Hello, I received an email from Professional Flowers stating that my flower order has been canceled and I should go to your exchange to reorder it. I tried your website, but it seems like it is not working. So I am calling the 800 number.

(Receptionist) Yes, I am sorry about the website. It should be fixed by the end of November – or maybe December. But I can help you.

(Customer) Thanks, I ordered a “Spring Bouquet” for our anniversary, and wanted it delivered to my wife.

(Receptionist Interrupting) Sir, “Spring Bouquets” do not meet our minimum standards, I will be happy to provide you with Red Roses.

(Customer) But I have always ordered “Spring Bouquets”, done it for years, my wife likes them.

(Receptionist) Roses are better, sir. I am sure your wife will love them.

(Customer) Well, how much are they?

(Receptionist) It depends sir, do you want our Bronze, Silver, Gold or Platinum package.

(Customer) What’s the difference?

(Receptionist) 6, 12,18 or 24 Red Roses.

(Customer) The Silver package may be okay, how much is it?

(Receptionist) It depends sir, what is you monthly income?

(Customer) What does that have to do with anything?

(Receptionist) I need that to determine your government flower subsidy, then I can determine how much your out of pocket cost will be. But if your income is below our minimums for a subsidy, then I can refer you to our FlowerAid department.

(Customer) FlowerAid?

(Receptionist) Yes, Flowers are a Right, everyone has a right to flowers. So, if you can’t afford them, then the government will supply them free of charge.

(Customer) Who said they were a Right?

(Receptionist) Congress passed it, the President signed it and the Supreme Court found it Constitutional.

(Customer) Whoa.....I don’t remember seeing anything in the Constitution regarding Flowers as a Right.

(Receptionist) It is not really a Right in the Constitution, but ObamaFlowers is Constitutional because the Supreme Court Ruled it a “Tax”. Taxes are Constitutional. But we feel it is a Right.

(Customer) I don’t believe this...

(Receptionist) It’s the law of the land sir. Now, we anticipated most people would go for the Silver Package, so what is you monthly income sir?

(Customer) Forget it, I think I will forgo the flowers this year.

(Receptionist) In that case sir, I will still need your monthly income.

(Customer) Why?

(Receptionist) To determine what your ‘non-participation’ cost would be.

(Customer) WHAT? Your can’t charge me for NOT buying flowers!

(Receptionist) It’s the law of the land, sir, approved by the Supreme Court. It’s $9.50 or 1% of your monthly income.....

(Customer)interrupting) This is ridiculous, I’ll pay the $9.50..

(Receptionist) Sir, it is the $9.50 or 1% of your monthly income, whichever is greater.

(Customer) ARE YOU KIDDING ME? What a ripoff!!

(Receptionist) Actually sir, it is a good deal. Next year it will be 2%.

(Customer) Look, I’m going to call my Congressman to find out what’s going on here. This is ridiculous. I’m not going to pay it.

(Receptionist) Sorry to hear that sir, that’s why I had the NSA track this call and obtain the make and model of the cell phone your are using.

(Customer) Why does the NSA need to know what kind of CELL PHONE I AM USING?

(Receptionist) So they get your GPS coordinates sir

(Door Bell rings followed immediately by a loud knock on the door)

(Receptionist) That would be the IRS sir. Thanks for calling ObamaFlowers, have a nice day...and God Bless America.


39 posted on 12/08/2013 6:43:10 AM PST by Salvation ("With God all things are possible." Matthew 19:26)
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To: ArmstedFragg
Absolutely correct, so they'll raise everyone else's rates because she had a C-section.

To be clear, Obama is forcing the insurance companies to cover everyone for everything. Which is the opposite of insurance, it's welfare. The blind will be paying for eye care, amputees will be paying for varicose vein care, sterile people buying birth control.

The socialist dream is welfare for everyone, and here it is!

40 posted on 12/08/2013 6:56:35 AM PST by IncPen (When you start talking about what we 'should' have, you've made the case for the Second Amendment)
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To: 2ndDivisionVet

We can’t because our insurance is tied to hubby’s ex employer. He is retired but gets a subsidy.


41 posted on 12/08/2013 7:00:57 AM PST by sheana
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To: Artie

Everything I have seen on concierge here says everything is included except hospitalization. Don’t know what people are going to do about that.


42 posted on 12/08/2013 7:02:44 AM PST by sheana
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To: 2ndDivisionVet
(Liberals have) found a way to make insurance available to the chronically sick that will actually work for most of the public. But they haven't been upfront about the fact that their fix will be paid for with higher premiums for lots of healthy people...

It's amazing that people are just now figuring this out. How did they think Obamacare was going to work?

43 posted on 12/08/2013 8:30:26 AM PST by Drew68
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To: informavoracious

Darn, they should change that. Obama can do it, we know he can. After all, if only one child...


44 posted on 12/08/2013 9:00:49 AM PST by Kickass Conservative (A Communist is nothing more than an honest Democrat...)
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To: sheana

My brother has had this for years. It is called a “Cadillac Plan”. He pays $300 a month and the doctor will be on call at anytime. This is in addition is his normal fees. He lives in Palo Alto, CA., a high income area. I do not think you could get away with this in a poorer area.


45 posted on 12/08/2013 9:48:58 AM PST by Uncle Hal
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To: GeronL

Amazing how many Eichmann’s and Mengele’s there are in Zero’s goon squad, ya think?


46 posted on 12/08/2013 10:17:02 AM PST by ExTexasRedhead
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To: AdmSmith; AnonymousConservative; Berosus; bigheadfred; Bockscar; cardinal4; ColdOne; ...

Thanks 2ndDivisionVet.

Gen. Colin Powell calls for universal health care in the U.S.
Puget Sound Business Journal | December 6, 2013 | Valerie Bauman
Posted on 12/7/2013 10:15:36 PM by pluvmantelo
http://www.freerepublic.com/focus/news/3099437/posts


47 posted on 12/08/2013 1:29:29 PM PST by SunkenCiv (http://www.freerepublic.com/~mestamachine/)
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To: SunkenCiv

http://vimeo.com/80242225

Dr. Crowley is not only eloquent regarding the topic of Obama as Pres., but she leaves room for doubt.
Now it’s up to us to make her voice on the topic of Obamacare go Viral.


48 posted on 12/08/2013 2:03:10 PM PST by Fred Nerks (fair dinkum)
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