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Old 06-23-2013, 12:24 PM   #61
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The article didn't come up! Dang!
Is this the article?

TALLAHASSEE: One month later, Florida lawmakers no closer to Medicaid deal - Florida - MiamiHerald.com
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Old 06-23-2013, 12:31 PM   #62
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Thank you Gator and Hoosier. I appreciate the update.
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Old 06-23-2013, 12:32 PM   #63
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I looked at https://www.healthcare.gov/ today, looks like the site has been relaunched with a new interface.
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Old 06-23-2013, 03:29 PM   #64
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Yes, thank you,
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Old 06-23-2013, 09:43 PM   #65
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I looked at https://www.healthcare.gov/ today, looks like the site has been relaunched with a new interface.
Big improvement over old site. But sad to see this "update" is still seriously out of date.
-Glossary still does not include specific dollar figures (individual/family) for 2014 out-of-pocket maximum costs, which have been known for some time now.
https://www.healthcare.gov/glossary/...-maximum-limit

-Site still lists SHOP as opening enrollment Oct 1, 2013.
https://www.healthcare.gov/small-businesses
While some states have their own SHOP (or equivalent), months ago HHS delayed federal program until 2015.
HHS Delays Basic Health Plan Option Until 2015 – Capsules - The KHN Blog

- IMHO- More than semantics. Site still terms the penalty for having no qualified HI in 2014 a "fee". SCOTUS clearly ruled this levy is a "tax", and there are important differences between a gov't "fee" vs a "tax".
https://www.healthcare.gov/what-if-s...verage-in-2014
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Old 06-30-2013, 01:53 PM   #66
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This is a pretty interesting article that outlines the challenges involved in setting up the exchanges and provides some insight on current progress.

States brace for web barrage when health reform goes live - NBC News.com
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Old 07-04-2013, 09:23 PM   #67
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UnitedHealth to exit individual insurance market in California - latimes.com

"The nation's largest health insurer, UnitedHealth Group Inc., is leaving California's individual health insurance market, the second major company to exit in advance of major changes under the Affordable Care Act."

"I don't think this is a good result for consumers," said California Insurance Commissioner Dave Jones. "It means less choice, less competition and even more consolidation of the individual market with three big carriers."




I wonder how many insurers will participate in the NY State exchange. I assume it should at least one which is Blue Cross-Blue Shield.

Blue Cross-Blue Shield Bets Big On Obamacare Exchanges - Kaiser Health News

“The Blues will definitely participate,” said Ana Gupte, an insurance stock analyst for Dowling & Partners. “If there is an exchange I’m sure there will be the Blues.”


Of course looking at the NY State website on health insurance exchanges

http://www.healthbenefitexchange.ny.gov/

It has no real info on how it will work or which insurers will participate. And we are only about 3 months from when this exchange will open.
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Old 07-04-2013, 10:40 PM   #68
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I wonder how many insurers will participate in the NY State exchange.
New York has some unique considerations, as described in this article:

Obamacare could lower premiums in New York, new study finds

In answer to your question, ehealthinsurance.com currently lists 5 companies offering individual health insurance policies. The number offered on the exchange will be more, less or the same.

Quote:
Individual and Family Health Insurance Companies in New York

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Old 07-05-2013, 07:59 AM   #69
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In answer to your question, ehealthinsurance.com currently lists 5 companies offering individual health insurance policies. The number offered on the exchange will be more, less or the same.
How can you be sure?

New exchange policies in NY will definitely be a major improvement over the current guaranteed issue policies available to individuals. I used those policies for many years. They are expensive, have poor coverage and low limits and are only useful to individuals that have no other choice.
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Old 07-05-2013, 10:09 AM   #70
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UnitedHealth to exit individual insurance market in California - latimes.com

"The nation's largest health insurer, UnitedHealth Group Inc., is leaving California's individual health insurance market, the second major company to exit in advance of major changes under the Affordable Care Act."

"I don't think this is a good result for consumers," said California Insurance Commissioner Dave Jones. "It means less choice, less competition and even more consolidation of the individual market with three big carriers."

I wonder how many insurers will participate in the NY State exchange. I assume it should at least one which is Blue Cross-Blue Shield.

Blue Cross-Blue Shield Bets Big On Obamacare Exchanges - Kaiser Health News

“The Blues will definitely participate,” said Ana Gupte, an insurance stock analyst for Dowling & Partners. “If there is an exchange I’m sure there will be the Blues.”

Of course looking at the NY State website on health insurance exchanges

http://www.healthbenefitexchange.ny.gov/

It has no real info on how it will work or which insurers will participate. And we are only about 3 months from when this exchange will open.
I am curious about the amount of competitors in my state, but the silence has been deafening so far on this. Blue Cross is much cheaper currently than anyone else is in the individual market in my state. I am curious if the competition will get better on the exchanges. "Blue" just sent me a letter jacking up my insurance $11 this week effective August 1, so they are not missing out on a chance to make a few more bucks before Jan. 1.
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Old 07-05-2013, 10:35 AM   #71
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I am curious about the amount of competitors in my state, but the silence has been deafening so far on this. Blue Cross is much cheaper currently than anyone else is in the individual market in my state. I am curious if the competition will get better on the exchanges. "Blue" just sent me a letter jacking up my insurance $11 this week effective August 1, so they are not missing out on a chance to make a few more bucks before Jan. 1.
Is that an annual renewal rate, and does that mean your new policy rate is guaranteed through 7/2014 ?
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Old 07-05-2013, 10:56 AM   #72
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Is that an annual renewal rate, and does that mean your new policy rate is guaranteed through 7/2014 ?
Michael, their form letters seem to create more questions than answers on everything. They rounded up the usual lengthy list of suspects for reasons of the rate increase, but also said only some of them may apply to each individual. My increases have always occurred at this year and is effective starting August 1. It did not mention anything about it being guaranteed through next July. In fact a previous letter a month ago mentioned " new and exciting plans" starting January 1. I took this as a cryptic statement that the current plans will all be scrapped and we will be forced into these January 1.
But yet on this current letter it also mentioned if you are unhappy with the rate increase, you can undergo underwriting for different higher deductible to save on premium costs. But it specifically mentioned to be aware of your grandfathered plan status and what that entails by dropping it for another plan. And yet, who would bother to do the underwriting just for 4 months, and then be put into the exchange?
It's almost like they want everything to appear as it always has been, then drop the bomb at the last second. They definitely are not wanting to tip their hand on anything it seems concerning next year. I also found it interesting I got hit with my biggest rate increase this year. The previous 3 years it had increased a combined amount from $71 to $76. Now it jumped to over $87. I realize that is still cheap compared to others for a $5500 deductible, but I am 48, so I do not think I crossed an age band, but they won't divulge that either, just listed as one of possible reasons why my rate increased.
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Old 07-05-2013, 11:02 AM   #73
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They rounded up the usual lengthy list of suspects for reasons of the rate increase
So it sounds like there is nothing different going on - that, just like they've done year after year in the past, they're increasing their rates again this year.

The only difference next year is that if their rates are "too high", they will have to refund some money. They haven't had to do that in the past. I bet that really eats at them, perhaps enough to foster disinformation and deceptions that get picked up and carried by the media, leading folks to believe that the changes are bad, when the reality is that the changes are merely bad for them. That sounds like a reasonable thing to do, i.e., for the insurance company to try to do things that would tend to work to reverse changes that harm the insurance company profits.
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Old 07-05-2013, 11:22 AM   #74
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So it sounds like there is nothing different going on - that, just like they've done year after year in the past, they're increasing their rates again this year.

The only difference next year is that if their rates are "too high", they will have to refund some money. They haven't had to do that in the past. I bet that really eats at them, perhaps enough to foster disinformation and deceptions that get picked up and carried by the media, leading folks to believe that the changes are bad, when the reality is that the changes are merely bad for them. That sounds like a reasonable thing to do, i.e., for the insurance company to try to do things that would tend to work to reverse changes that harm the insurance company profits.
I got a refund of $21 last year, so I think they have to refund already. I could get more info from a psychic than I can from BCBS. Their customer service agent couldn't even confirm I even have a grandfathered plan, though I should. After thinking about it, maybe I have been a little to hard on them as any company will always pass through the costs of government mandates. When I went to the doctor 3 years ago, I had to pay for the doctor visit. This time it was paid for by my insurance though I have been on the same plan. The visit to my doctor was $105 (I get one "free" wellness visit per year now, even though I was not aware of it, as I assumed my plan was grandfathered and wouldn't pay for that). If you divide that "free" doctor visit by 12 months, that is almost $9, so really I guess my rate increase was only about $2 per month.
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Old 07-05-2013, 12:59 PM   #75
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You're correct: That portion of ACA has already gone into effect. Thanks for the correction.
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Old 07-06-2013, 06:36 PM   #76
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UnitedHealth to exit individual insurance market in California - latimes.com

"The nation's largest health insurer, UnitedHealth Group Inc., is leaving California's individual health insurance market, the second major company to exit in advance of major changes under the Affordable Care Act."
UHC is only exiting the INDIVIDUAL health insurance market in California, where they were a very small player, covering some 8,000 people, or about 2% of the individual market. They will continue to offer their group plans as well as selling administrative services to larger 'self-insured' businesses.

Anthem Blue Cross, Kaiser Permanente and Blue Shield of California are the largest individual health insurers in California, with a total combined market share of 87%. (2011 Citigroup survey data)
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Old 07-12-2013, 08:59 PM   #77
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Reassuring article on prelim Exchange rates in Ohio-

http://news.cincinnati.com/article/2...than-predicted
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Old 07-15-2013, 11:04 AM   #78
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Video calling attention to Oregon's program:

Another video, not as cute as the above:
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Old 07-17-2013, 12:42 PM   #79
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Thanks for posting those. seeing how the states do their outreach is going to be interesting, and entertaining.
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Old 07-17-2013, 12:53 PM   #80
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Holy moley, something in New York is going down in cost:

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State insurance regulators say they have approved rates for 2014 that are at least 50 percent lower on average than those currently available in New York. Beginning in October, individuals in New York City who now pay $1,000 a month or more for coverage will be able to shop for health insurance for as little as $308 monthly. With federal subsidies, the cost will be even lower.
http://www.nytimes.com/2013/07/17/he...d=myyahoo&_r=0
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