Indiana's Obamacare rates for 2015 all over the map

[garbage can]

Deductibles were growing at a geometric pace before the ACA was passed. High deductible plans weren't created by the ACA. They were created by insurance companies to lower risk for companies that self insure. They are intended to lower utilization by making the consumer bear the cost of their own health care.

I didn't pay a deductable before ACA, and as of now (today) I still don't pay a deductable...... I expect that to change.

 

[garbage can]

Yeah, like I said earlier, there's this thing called a "free market". Premiums are going to rise as health care costs rise. Obamacare, in theory, should help slow that growth. It's not perfect, as you seem to delight in pointing out.

But...it's a quantum improvement over the old system overall.

Most people disagree.

 

[toubab]

I worked for a major health care insurer in 2012. The family deductible was $6000 on our insurance.

These high deductible plans aren't ACA's fault, they are an industry idea.

Obamacare had been in effect for years at that point. Pay attention to what feistyphoenix is telling you.

 

[feistyphoenix]

Obamacare had been in effect for years at that point. Pay attention to what feistyphoenix is telling you.

Parts of it. It was a phase in of sorts. I left in 2010 and things were already changing.

 

[Bry1313]

Obamacare had been in effect for years at that point. Pay attention to what feistyphoenix is telling you.

We created that plan in 2007. Was Obamacare in effect then?

 

[garbage can]

How so?

High deductables...................Do you read the papers?

 

[toubab]

Im only giving my situation as an example. But thank you for your snark, it was much appreciated.

Unless I read your tone completely wrong.

No snark. I was dead serious. I have no idea how people find it difficult to tell when I'm being serious and when I'm not. I must not be making myself as clear as I think I am.

 

[Bry1313]

I didn't pay a deductable before ACA, and as of now (today) I still don't pay a deductable...... I expect that to change.

That will have nothing to do with ACA. It'll be because your employer is no longer willing to bear the full burden if the cost of your healthcare and is choosing to have you share in the cost.

 

[garbage can]

Nothing wrong with hoping and wishing, but I know what I was taught by my parents about what you can do with hoping and wishing.

We could have had both single payer and private insurance, much as with Medicare and private supplemental insurance.

Which would you have preferred....if either?

 

[Bry1313]

High deductables...................Do you read the papers?

Which were an industry idea before the creation of Obamacare.

 

[toubab]

We created that plan in 2007. Was Obamacare in effect then?

No, but there were plenty of low deductible or no deductible plans in 2007.

 

[feistyphoenix]

No snark. I was dead serious. I have no idea how people find it difficult to tell when I'm being serious and when I'm not. I must not be making myself as clear as I think I am.

Because the sarcastic font hasnt been invented yet, therefore I had to assume tone.

 

[Bry1313]

Which would you have preferred....if either?

I would prefer a single payer for basic health with the option to buy supplemental. That gets you 100% of the country covered and in the base risk pool.

 

[feistyphoenix]

Which were an industry idea before the creation of Obamacare.

Doubtful. Since a version of the ACA was written in the 90's.

 

[Bry1313]

No, but there were plenty of low deductible or no deductible plans in 2007.

Yes because the high deductible plans were being created then. Your employers were getting tired if paying the full cost of your health care and were going to start dropping coverage, but health plans created high deductible plans which had lower premiums and lower exposure for companies that self insured.

 

[toubab]

Which would you have preferred....if either?

Both. I'm in favor of something like Medicare for all, with private insurance as an option if people wish to purchase it to help with deductibles, etc.

 

[Bry1313]

Doubtful. Since a version of the ACA was written in the 90's.

If that's what you choose to believe. That in 2006, we were offering companies a cheaper premium option with high deductible plans because a sharia socialist might become president in two years and implement Romneycare nationwide.

 

[garbage can]

"But...it's a quantum improvement over the old system overall."

Now I think you're not being serious.

Toubab, he's dead serious......

 

[feistyphoenix]

If that's what you choose to believe. That in 2006, we were offering companies a cheaper premium option with high deductible plans because a sharia socialist might become president in two years and implement Romneycare nationwide.

That's not what I meant and you know it.

 

[garbage can]

No it didn't. The high cost of our health care system did. It was either high deductibles or your employers weren't going to cover you anymore.

I don't know anyone who paid more than a $50 DEDUCTABLE FOR ANYTHING, prior to Obamacare.

 

[Bry1313]

I don't know anyone who paid more than a $50 DEDUCTABLE FOR ANYTHING, prior to Obamacare.

Then you didn't know many people.

 

[Bry1313]

That's not what I meant and you know it.

You and Garbage Can are trying to blame high deductible plans on the ACA. One has nothing to do with the other.

 

[garbage can]

No it didn't. The high cost of our health care system did. It was either high deductibles or your employers weren't going to cover you anymore.

Are you listening to the people from Indiana, or are you pulling your pud in the corner???

 

[Bry1313]

Are you listening to the people from Indiana, or are you pulling your pud in the corner???

I know what your employers were telling health plans the last six years. I was listening to them.

 

[garbage can]

Bullshit. If that were the case no one would have been for change.

Bry and RDS can't comprehend that.