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IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

Ohio Department of Insurance

You can add Ohio to the list of confirmed massive hikes on individual plans.

The Ohio Department of Insurance today released details of health insurance plans that insurers have submitted for approval to sell on the coming federal insurance exchange for Ohio. The Department's preliminary analysis of the proposed plans for the individual market reveal that insurers expect the cost to cover health care expenses for consumers will significantly increase.

Based on a report released by the Society of Actuaries earlier this year, the Department estimates this increase is an average of 88 percent.
....
“We have warned of these increases since a state-specific study in 2011 indicated Ohio would be significantly impacted by the ACA,” Lieutenant Governor Mary Taylor said. “The Department’s initial analysis of the proposed rates show consumers will have fewer choices and pay much higher premiums for their health insurance starting in 2014.”
 
Ohio Department of Insurance

You can add Ohio to the list of confirmed massive hikes on individual plans.


No you can't, but you can certainly add Ohio to the list of states with Republican politicians willing to lie about Obamacare

Obamacare to make rates soar, state says in analysis attacked as deeply flawed

But insurance experts and advocates for more comprehensive coverage counter that the Ohio Department of Insurance used confusing and misleading information to arrive at that conclusion. They say the department’s data make it impossible to even tell the price of actual premiums for Ohioans.

The department is headed by Lt. Gov. Mary Taylor, a Republican critic of the law known widely as Obamacare. She said last week that her department estimates the cost to cover health care insurance will rise an average of 88 percent in Ohio for 2014.

just as with Avik Roy's criticism of California's published insurance rates, Ohio's Lt Gov has picked a tiny segment of the population to make the claim about soaring rates following ACA's implementation
This debate is over a relatively slim portion of the insurance market, individual policies that are sold by agents or brokers to one customer at a time. Only 350,000 out of 10 million people with medical coverage in Ohio had these kinds of policies in 2010, according to a study for the state by Milliman, Inc., a consulting firm.

There is also a not so small problem with using fictitious numbers instead of actual data
To compare today’s costs for individual policies with those likely in 2014, the state relied on 2013 estimates from the Society of Actuaries, using a study that the U.S. Department of Health and Human Services, or HHS, disputes as flawed.
<snip>
HHS continued its criticism this week and, with other critics, said the state should have used actual 2013 figures rather than those from a study. Outside groups trying to replicate or better understand Taylor’s figures said they found it impossible and questioned some of the figures in the study.
 
1) And what would the cost have been without Obamacare?
2) Cant bend the cost curve when you wont attack the root cause of the problem.
3) Cant bend the cost curve when your laws and regulations (even Obamacare) is written by the freaking for profit healthcare industry.

With your mentality we should let the government do everything. Let them develop computers, phones, hell... everything.

Fact is... every time the government sticks their fingers into business, costs increases and service is far worse.
 
With your mentality we should let the government do everything. Let them develop computers, phones, hell... everything.

Fact is... every time the government sticks their fingers into business, costs increases and service is far worse.

Of course it is like that... in the US, because there is no difference between big business and government.. aka the politicians... Big business writes the laws and the politicians passes them.

Fact is, in the real world, the only reason government meddles in business, is because business is doing something wrong. The only reason we need banking regulation is because of greedy bankers. The only reason we need labour laws is because business has abused labour. The list goes on and on.
 
Of course it is like that... in the US, because there is no difference between big business and government.. aka the politicians... Big business writes the laws and the politicians passes them.
Ahhhhhhhhhhhhhh... it's like that everywhere... it's a universal law of life... like gravity.


Fact is, in the real world, the only reason government meddles in business, is because business is doing something wrong. The only reason we need banking regulation is because of greedy bankers. The only reason we need labour laws is because business has abused labour. The list goes on and on.
The reason government intrudes is control... period. And healthKare is an invitation to meddle deep.
 
No you can't, but you can certainly add Ohio to the list of states with Republican politicians willing to lie about Obamacare



just as with Avik Roy's criticism of California's published insurance rates, Ohio's Lt Gov has picked a tiny segment of the population to make the claim about soaring rates following ACA's implementation


There is also a not so small problem with using fictitious numbers instead of actual data

The publication specifically referenced individually purchased plans would increase by 88%, which according to their analysis is true, but instead you focusing on those that are incapable of basic reading comprehension. Awesome.
 
Good guarantee, lol. I have a single friend with no insurance that is just leaving the hospital. He was always very healthy, non smoker, no issues, single, just as you are talking about. He had an aneurysm. Had to have surgery to fix it, followed by 11 days in the ICU in case he had a follow up stroke, common for aneurysm patients apparently, followed by two days in a private room at the hospital and is expected to get discharged today. He's trying to file paperwork and such to get some kind of financial aid for the bills from the government through the hospital, but as of two nights ago, his bill, just to the hospital, not including the doctor's cut for the actual surgery, the ambulance ride to the hospital, all of the various other groups is at $210,000. And that is still climbing, and once you include every other bill, it's probably closer to 250,000. Wouldn't surprise me one tiny bit if his bill was $300,000+ at the time of discharge.

It wont matter any more once Obamacare kicks in fully. Your friend would be able to sign up for a new HC policy while in the hospital and they will have to cover it. Remember no limit or wait time on pre-existing conditions...it will be like getting into an auto accident then getting auto insurance and them paying for the damages.
 
Under our old system the friend would never have to pay at all, but we would have. Actually his only move is to file bankruptcy. I didnt think you guys liked that free healthcare.
It wont matter any more once Obamacare kicks in fully. Your friend would be able to sign up for a new HC policy while in the hospital and they will have to cover it. Remember no limit or wait time on pre-existing conditions...it will be like getting into an auto accident then getting auto insurance and them paying for the damages.
 
Under our old system the friend would never have to pay at all, but we would have. Actually his only move is to file bankruptcy. I didnt think you guys liked that free healthcare.

How would he not have had to pay at all under the old system?

I definitely understand the possibility of him going bankrupt, it has happened to too many people...but thats what catastrophic (major medical) insurance is all about. It was a super cheap policy that covered for things like that...major medical catastrophes. Thats the policy we carried for the longest time until we got an MSA...now thats not acceptable to our beloved Imperial Federal Government.

Like free healthcare, huh? I dont get your point on that.
 
Under our old (current) system almost all people when faced with a $300,000 medical bill, file bankruptcy. They pay nothing. We do.
How would he not have had to pay at all under the old system?

I definitely understand the possibility of him going bankrupt, it has happened to too many people...but thats what catastrophic (major medical) insurance is all about. It was a super cheap policy that covered for things like that...major medical catastrophes. Thats the policy we carried for the longest time until we got an MSA...now thats not acceptable to our beloved Imperial Federal Government.

Like free healthcare, huh? I dont get your point on that.
 
This has been going around for a while now. The $20k figure comes from an example the IRS uses in one of their publications. At this point I'm not even sure anybody knows what a "Bronze Level" plan will have to consist of.

That being said, we do know what the penalties are going to be and I'll pretty much guarantee you that for someone single, in good health and with no kids it will be a whole lot cheaper to pay the fine.

The bronze level means you pay 80% of all costs. My company went to this plan forcing to jump through all kinds of hoops to maintain the great insurance we had before Obamacare.

Obama literally screwed 85% of people with coverage with this legislation.
 
It wont matter any more once Obamacare kicks in fully. Your friend would be able to sign up for a new HC policy while in the hospital and they will have to cover it. Remember no limit or wait time on pre-existing conditions...it will be like getting into an auto accident then getting auto insurance and them paying for the damages.

There's no waiting limit in terms of making you wait 6 months for your insurance to cover a pre-existing condition, but that doesn't mean that you can sign up for a plan and be covered that afternoon.

The plans I'm hearing from your side to get around Obama Care sound like something the burglars from Home Alone would come up with.
 
The bronze level means you pay 80% of all costs.

This is false. There is a cap on out of pocket expenses on all plans offered after Obama Care is full implemented. It's the law. It's also false that you pay 80% of costs up to the out of pocket limit. You pay your deductible, then 20% of costs, til you hit the limit, at which point everything is covered.

And we wonder why people are scared. They don't know a damn thing about it.
 
So much for bending the cost curve down eh? Wow! Why would anyone not just pay the tax? Man, what a lie we were forced into with this crap.

What I don't get with the Obamacare critics is I honestly cannot see how on average the net math works out to be any more expensive than what we're paying now and could even be cheaper.

Pre-Obamacare: Everybody gets medical treatment. The insured through the normal channels and paid for through their health insurance policies. The uninsured either through government assistance paid for by tax-payers or at the emergency room and at exponentially higher costs than a regular doctor visit and very often long after their condition is so far advanced, not only is it in a life threatening stage but a HUGELY more expensive to treat, the cost of which is absorbed by price gouged fees passed on to insured patients.

Post-Obamacare: Everybody gets medical treatment but are required to have their own mandatory health insurance. The exorbitant costs being passed on with those with insurance to underwrite the treatment for those without health insurance should be forced downward since there should be no need for hospitals to pass on expensive costs of the uninsured to the insured, right?

This is a bit of a tangent but I am a big supporter of the national retail sales tax replacing personal income taxes. One sticking point the Fair Tax movement constantly has to argue is once the Fair Tax takes effect, prices for consumer goods will supposedly drop like a brick within hours because all of the hidden tax costs of bringing products to market will be gone and market forces will drive down their costs immediately. If that's true, why isn't a similar much easier to understand hidden cost of healthcare that goes away does not also drive down healthcare costs under Obamacare? If the costs of healthcare does not drop under Obamacare because uninsured healthcare treatment will no longer be passed on to the rest of us, I will be forced to conclude the Fair Tax is a big lie and will only add extra costs on all products while to so-called added tax costs to bring products to market under the current system will remain in effect.
 
This is false. There is a cap on out of pocket expenses on all plans offered after Obama Care is full implemented. It's the law. It's also false that you pay 80% of costs up to the out of pocket limit. You pay your deductible, then 20% of costs, til you hit the limit, at which point everything is covered.

And we wonder why people are scared. They don't know a damn thing about it.

No, I have my plan right here in front of me. Gold is 80/20, Silver is 70/30, and Bronze is 20/80. So you are full of sh*t like most libs that listen to what they are told.
 
Yea, that's accurate. CNS news?

No it's not. It is a hoax and I'm sure you are not surprised

For one thing, the example in the proposed regulations uses the word “average,” which means that the “cheapest” plan could, in fact, be lower than $20,000. But more important, the regulations weren’t a “cost analysis” at all. A spokesperson for the Treasury Department confirmed to factcheck.org in an email that the IRS wasn’t making any declarations or projections about what prices will be.

“[Twenty thousand dollars] is a round number used by IRS for a hypothetical example,” the official wrote. “It is not an estimate of premiums for a bronze plan for a family of five in 2016.”

So far, no one knows exactly how much insurance plans on the exchanges will cost. The health care law only mentions “actuarial values” for the four tiers of coverage — in other words, how much of an insured person’s health care costs a plan is expected to cover. Bronze plans are to cover at least 60 percent of costs; silver plans will cover 70 percent. Gold plans will cover 80 percent, and platinum plans will cover 90 percent of the costs. In each case, the remaining percentage is left to the insured to pay through deductibles, copayments and coinsurance.

In January 2010, before the Affordable Care Act became law, the Congressional Budget Office projected that, in 2016, premiums for bronze plans would, on average, cost “between $12,000 and $12,500 for family policies.” That estimate has not been updated since.

About how much are families paying now?

Most recently, the average annual premium for employer-sponsored coverage for a family of four reached $15,745 in 2012 — up 4 percent from 2011 — according to a survey conducted by the Kaiser Family Foundation and the Health Research & Educational Trust. On average, workers paid $4,316 toward the cost of their coverage, while employers covered the remainder

factcheck.org : ‘Obamacare’ to cost $20,000 a Family?
 
So much for bending the cost curve down eh? Wow! Why would anyone not just pay the tax? Man, what a lie we were forced into with this crap.

Not likely to be true coming from CNS. Just saying . . . .
 
There's no waiting limit in terms of making you wait 6 months for your insurance to cover a pre-existing condition, but that doesn't mean that you can sign up for a plan and be covered that afternoon.

The plans I'm hearing from your side to get around Obama Care sound like something the burglars from Home Alone would come up with.

No waiting periods for pre-existing conditions, immediate coverage...medicaid is that way already, it will cover the previous 30 days from the date of sign up. Why do you think people wont take advantage of this? They take advantage of everything else...this will be different how?
 
No waiting periods for pre-existing conditions, immediate coverage...medicaid is that way already, it will cover the previous 30 days from the date of sign up. Why do you think people wont take advantage of this? They take advantage of everything else...this will be different how?

You didn't address my post. You just ignored it and continued with the original argument.
 
No, I have my plan right here in front of me. Gold is 80/20, Silver is 70/30, and Bronze is 20/80. So you are full of sh*t like most libs that listen to what they are told.

I'm sorry, but you are wrong. Maybe your employer bought you a ****ty plan, more likely you just don't understand it, but bronze plans cover 60% after deductible, and they have an out of pocket cap. All plans have this cap after Obama Care, it was in the law.

Bronze Health Plans - Information on Bronze Healthcare Plans - Healthpocket

Bronze Plans are designed so that insurance companies will pay 60% of covered healthcare expenses with the remaining 40% to be paid by consumers. The consumer’s expenses will be in the form of out-of-pocket fees over and above the cost of the plan’s monthly premium. Out-of-pocket expenses for individuals is expected to be capped at $6,350 annually starting in 2014.

You need to go and read more on your health care plan, because when and if you need to use it, it would help to actually know what you have.
 
I'm sorry, but you are wrong. Maybe your employer bought you a ****ty plan, more likely you just don't understand it, but bronze plans cover 60% after deductible, and they have an out of pocket cap. All plans have this cap after Obama Care, it was in the law.

Bronze Health Plans - Information on Bronze Healthcare Plans - Healthpocket



You need to go and read more on your health care plan, because when and if you need to use it, it would help to actually know what you have.



I have my package in front of me, my screen is Friday. Thanks to Obamacare all of these screens are required at these clinics now instead of my normal doctor because the paper trail that must follow. Obamacare has destroyed the great insurance that working families have enjoyed for years but it has also managed to brainwash the mindless followers in the process.
 
I have my package in front of me,

Then either it is typed out wrong or you aren't reading it correctly. The most logical conclusion from this is you have no idea what you are talking about. A plan that has 80% copay with no out of pocket cap is not allowed under ObamaCare. And that's not just me saying that, but every source I can find backs me up. You are mistaken, misinformed or just plain lying.
 
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