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Thread: Serious Healthcare Thread

  1. #101
    Keorythe's Avatar
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    Much better than expected is fine but it's also a bit misleading. Costs still went up, just not as much as predicted is what they're saying.

    The average premium for individual plans sold through EHealthInsurance in California last year was $177 a month. Covered California said the average premium for the three lowest Silver plans statewide was $321 a month, albeit for more comprehensive benefits.

    Overall, state officials said they can't estimate yet how much rates will rise on average. Blue Shield of California, one of the winning bidders in the exchange, said its existing individual policyholders would pay about 13% more, on average, for coverage in the state marketplace.

    These rates "came in below what people legitimately expected them to be," said Paul Markovich, Blue Shield's chief executive.

    Comparing the proposed rates for next year with current premiums is difficult, officials and experts agree, because the healthcare law mandates next year's plans to offer richer benefits and to limit consumers' out-of-pocket expenses.
    So you're looking at a 13% - 50% increase depending on your previous plan. The entire article points out some of the risks and benefits of what may happen in the future.

    http://articles.latimes.com/2013/may...rates-20130524

  2. #102
    Donor Rudolf Miller's Avatar
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    Gotta remember the new unspent premiums rule may undo some of these costs. I imagine to a large extent that premiums were based on many actuaries worst case scenarios.

  3. #103
    Pacefalm's Avatar
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    Quote Originally Posted by Keorythe View Post
    Much better than expected is fine but it's also a bit misleading. Costs still went up, just not as much as predicted is what they're saying.

    The average premium for individual plans sold through EHealthInsurance in California last year was $177 a month. Covered California said the average premium for the three lowest Silver plans statewide was $321 a month, albeit for more comprehensive benefits.

    Overall, state officials said they can't estimate yet how much rates will rise on average. Blue Shield of California, one of the winning bidders in the exchange, said its existing individual policyholders would pay about 13% more, on average, for coverage in the state marketplace.

    These rates "came in below what people legitimately expected them to be," said Paul Markovich, Blue Shield's chief executive.

    Comparing the proposed rates for next year with current premiums is difficult, officials and experts agree, because the healthcare law mandates next year's plans to offer richer benefits and to limit consumers' out-of-pocket expenses.
    So you're looking at a 13% - 50% increase depending on your previous plan. The entire article points out some of the risks and benefits of what may happen in the future.

    http://articles.latimes.com/2013/may...rates-20130524
    While correct, you forget that citizens will get additional subsidies based on their income that further reduce the cost of the premiums. For example, if you live around double the poverty line, the cost is only in the order of $100 /mo.
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  4. #104
    Donor Aea's Avatar
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    Quote Originally Posted by Pacefalm View Post
    Quote Originally Posted by Keorythe View Post
    Much better than expected is fine but it's also a bit misleading. Costs still went up, just not as much as predicted is what they're saying.

    The average premium for individual plans sold through EHealthInsurance in California last year was $177 a month. Covered California said the average premium for the three lowest Silver plans statewide was $321 a month, albeit for more comprehensive benefits.

    Overall, state officials said they can't estimate yet how much rates will rise on average. Blue Shield of California, one of the winning bidders in the exchange, said its existing individual policyholders would pay about 13% more, on average, for coverage in the state marketplace.

    These rates "came in below what people legitimately expected them to be," said Paul Markovich, Blue Shield's chief executive.

    Comparing the proposed rates for next year with current premiums is difficult, officials and experts agree, because the healthcare law mandates next year's plans to offer richer benefits and to limit consumers' out-of-pocket expenses.
    So you're looking at a 13% - 50% increase depending on your previous plan. The entire article points out some of the risks and benefits of what may happen in the future.

    http://articles.latimes.com/2013/may...rates-20130524
    While correct, you forget that citizens will get additional subsidies based on their income that further reduce the cost of the premiums. For example, if you live around double the poverty line, the cost is only in the order of $100 /mo.
    Bah, I saw that same article on Forbes and it was disingenuous to the extreme. You're comparing plans that have no obligation to cover you on a single reseller vs. a comprehensive plan where coverage will be offered. What about the average cost of all individual insurance plans in 2012? I feel the author just cherry-picked the number here. Oh wait, he then mentions it, 13% according to an insurance provider. That's really not that bad at all, especially if the coverage is universally offered and more comprehensive.

  5. #105
    Moderator Moderator F*** My Aunt Rita's Avatar
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    Quote Originally Posted by Aea View Post
    Bah, I saw that same article on Forbes and it was disingenuous to the extreme. You're comparing plans that have no obligation to cover you on a single reseller vs. a comprehensive plan where coverage will be offered. What about the average cost of all individual insurance plans in 2012? I feel the author just cherry-picked the number here. Oh wait, he then mentions it, 13% according to an insurance provider. That's really not that bad at all, especially if the coverage is universally offered and more comprehensive.
    It's apples to oranges. No one pays quoted rates and the pricing schemes before reflected a market that basically excluded everyone but the healthy and wealthy. So on the individual market people were underpaying because insurers spent a couple decades dumping all the expensive people. Now that they can't discriminate like that anymore people will actually be paying the real price.

  6. #106
    Moderator Moderator F*** My Aunt Rita's Avatar
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    Not trying to do a picdumpandrun but god damn, didn't know the difference between applicants and pgy1 slots was so large. And PPACA wasn't gonna add that much more money to CMS for more slots. Then again the job market for physicians has changed a lot from just 20 years ago. Don't recall where I saw it, but the mean retirement age for US MD's is ~67. Then up to 1/3 rejoin the job market within 2 years.

  7. #107
    Movember '12 Best Facial Hair Movember 2012Donor Lallante's Avatar
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    No, I have no idea what the fuck he is talking about either, sorry.

  8. #108
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    He has graphs, must be something important.
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  9. #109
    מלך יהודים Zeekar's Avatar
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    PGY-1 are postgrad year 1 students and are the ones who do residency / internship. The graph is showing 15k difference between available positions and the number of them.


    

  10. #110
    Movember '12 Best Facial Hair Movember 2012Donor Lallante's Avatar
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    Quote Originally Posted by Zeekar View Post
    PGY-1 are postgrad year 1 students and are the ones who do residency / internship. The graph is showing 15k difference between available positions and the number of them.
    Thanks but that doesn't change the fact that a 5 sentance post with 4 seperate unexplained acronyms is terribad.

  11. #111
    מלך יהודים Zeekar's Avatar
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    Thats why I offered a longer explanation.


    

  12. #112
    Movember '12 Best Facial Hair Movember 2012Donor Lallante's Avatar
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    Quote Originally Posted by Zeekar View Post
    Thats why I offered a longer explanation.
    Congrats you are a better poster than FMAR based on a post-sample size of 2

  13. #113
    Super Moderator Global Moderator QuackBot's Avatar
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    Quote Originally Posted by Rudolf Miller View Post
    Gotta remember the new unspent premiums rule may undo some of these costs. I imagine to a large extent that premiums were based on many actuaries worst case scenarios.
    Also, you're failing out of case western?

  14. #114
    מלך יהודים Zeekar's Avatar
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    Quote Originally Posted by Lallante View Post
    Quote Originally Posted by Zeekar View Post
    Thats why I offered a longer explanation.
    Congrats you are a better poster than FMAR based on a post-sample size of 2
    Whats the issue here? Do you need a longer more detailed explanation that I offered? Or are you just being retarded again?


    

  15. #115
    Movember '12 Best Facial Hair Movember 2012Donor Lallante's Avatar
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    Quote Originally Posted by Zeekar View Post
    Quote Originally Posted by Lallante View Post
    Quote Originally Posted by Zeekar View Post
    Thats why I offered a longer explanation.
    Congrats you are a better poster than FMAR based on a post-sample size of 2
    Whats the issue here? Do you need a longer more detailed explanation that I offered? Or are you just being retarded again?
    No sorry, thanks for your explanation. I'm criticising FMAR not you.

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