• This is a political forum that is non-biased/non-partisan and treats every person's position on topics equally. This debate forum is not aligned to any political party. In today's politics, many ideas are split between and even within all the political parties. Often we find ourselves agreeing on one platform but some topics break our mold. We are here to discuss them in a civil political debate. If this is your first visit to our political forums, be sure to check out the RULES. Registering for debate politics is necessary before posting. Register today to participate - it's free!

75% Increase in Health Insurance

JumpinJack said:
Good for you on the change in lifestyle! I've slacked up some recently, so need to pick it up.

But the ins. cos. DO look at the prior year's claims in order to set future rates. That's not ALL they do, but that's where they start. It wouldn't make sense otherwise.


What to Look for in 2017 ACA Marketplace Premium Changes | The Henry J. Kaiser Family Foundation

When my prior employer would renew their group carrier, the carrier would decide how much to raise the premiums, based in part on the cost of the claims turned in by the company the prior year. That's how they know whether their rates were set correctly or not. If they don't look at that, they don't know whether the new rate will bring them the profit they want or whether they'll lose money. You can't predict the future exactly, but I'm sure they take all sorts of things into consideration, like whether there was an unusual # of people with cancer, compared with the # of employees, etc.
Click to expand...


An insurer does not simply add last year’s losses to next year’s premiums plus profits. Your reference makes that perfectly clear. There are numerous factors that go into ratemaking, not just the prior year’s claim experience, which the actuary may adjust for various reasons. No actuarial indications are pointedly for the “next year” as if for that year only. It’s about what that year needs to be looking into the future so that rate adjustments do not have to be too radical. BTW, not so many people will be getting such radically high premium increases as is being said by the anti-ACA vocalists. But of course, we will hear the worst of it.
 
Last edited:
Chomsky said:
Argh!

I'd like universal healthcare, but ObamaCare is *not* the way to go. :doh

But the deal here, is: No matter what the system, we've got to get healthcare costs under control; there's no other way.
Click to expand...

If Trump gets elected, what will he do?

I would like to see Trump get elected to see what he can actually do as opposed to all those grandiose promises he has made to many voters who believe hook, line and sinker his promises.
 
OMG!

I'm blown away by these posts!

Literally!

All I can say is: Thank you all so much, the feelings are mutual, and I think I'm going to have to work pretty *damn* hard to even *partly* meet the expectations of such praise!

(and my apologies for not being around to respond earlier)

AlbqOwl said:
At the risk of sounding like I'm 'sucking up', it is such a pleasure discussing these things with you Chomsky. I think I'm in love, in a platonic sort of way.
Click to expand...
Well, that's a good start! :2razz:

polgara said:
Greetings, AlbqOwl.

Very well stated! And for the record, most of the people on DP think Chomsky is really a nice guy, including me! He's always a gentleman, and he has a sense of humor, too, so what's not to like? He'll probably be embarrassed. but this is for him. :kissy:
Click to expand...
Whoa! That might be even better! :2razz:

radcen said:
I think I'm in love with Chomsky, too. He is easy to talk to, and has an open mind, which is so refreshing.
Click to expand...
Well - I'm going to try and hang on to all this love, and not waste it! :thumbs:

Now I've got to find a rock to crawl under ...
 
Chomsky said:
OMG!

I'm blown away by these posts!

Literally!

All I can say is: Thank you all so much, the feelings are mutual, and I think I'm going to have to work pretty *damn* hard to even *partly* meet the expectations of such praise!

(and my apologies for not being around to respond earlier)

Well, that's a good start! :2razz:

Whoa! That might be even better! :2razz:

Well - I'm going to try and hang on to all this love, and not waste it! :thumbs:

Now I've got to find a rock to crawl under ...
Click to expand...

Nah, just accept the kudos coming your way! :thumbs: There's a reason you're here with us - the universe is still in charge, you know! BTW, since Polgara is more than 3000 years old, I tend to listen to her - she hasn't been wrong yet... :mrgreen:
 
75rk7.jpg
 
Glowpun said:
If Trump gets elected, what will he do?

I would like to see Trump get elected to see what he can actually do as opposed to all those grandiose promises he has made to many voters who believe hook, line and sinker his promises.
Click to expand...

you realize you could apply that to any politician, "..... can actually do as opposed to all those grandiose promises".

If Hilary gets elected, wonder if she can make good on her promises.

My take, only time a politician is not lying is when they are not talking.:mrgreen:
 
polgara said:
Nah, just accept the kudos coming your way! :thumbs: There's a reason you're here with us - the universe is still in charge, you know! BTW, since Polgara is more than 3000 years old, I tend to listen to her - she hasn't been wrong yet... :mrgreen:
Click to expand...
Maybe we should start a thread praising members who attempt to usher civility and respect in the forum, in an effort to provide incentive to strive to do better? I think it might work!

The only thing is: When one gets on the list, are they put there in recognition - or because we want them to improve? :mrgreen:
 
Glowpun said:
If Trump gets elected, what will he do?

I would like to see Trump get elected to see what he can actually do as opposed to all those grandiose promises he has made to many voters who believe hook, line and sinker his promises.
Click to expand...
Trump "scares me" more than I feel he will "fix things", which is why I would not vote for him.

But yeah, if he gets in - even with my not supporting him - I am happy to see the establishment shaken-up. He's not my guy, but I very much want a shake-up and it's possible he may do it. Now whether he does, and whether it's good or bad, is a whole 'nother thing! ;)
 
Fearandloathing said:
That is the best explanation of Obamacare I have seen.

My input in this I have found as being Canadian I have universal coverage...and I like it.

And I think that says more about our respective governments than health care.
Click to expand...

Well, they can't deny us coverage for preexisting conditions, so I figure I'll just wait until I get cancer before I go sign up. Why pay an exorbitant amount of money for the next 20 years for something I don't need? If they would just do our car insurance the same way, I'd just wait until I had a wreck and then go buy some insurance to pay for the damages and liability.
 
You must log in or register to reply here.
Back
Top Bottom