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Old 05-27-2013, 07:51 AM   #21
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Originally Posted by keegs View Post
To see the rates there go down with the implementation of community rating and a mandate would seem to be a good sign, at least in terms of pricing.
While exchange policies are guaranteed-issue, they are not community-rated, since the premiums increase with age.
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Old 05-27-2013, 12:34 PM   #22
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My childhood best friend is an anesthesiologist in CA and he's still making a ****-ton of money and he's never complained about onerous regulations. He's also working part-time because he can do so and easily make 6 figures. What's your point again?
Clearly the US doc shortage did not begin with ACA, but most evidence unfortunately suggests that ACA has worsened the situation. Glad your friend is happy & (apparently) feels little burden from "onerous regulations". Unfortunately he is in the distinct minority. For example-according to large 2012 independent survey of ~14,000 docs, over 3/4ths are "pessimistic" about the future of US medicine (due mainly to "too much regulation/paperwork"), almost 2/3rds feel ACA has made the situation worse, most would NOT recommend medicine as a career to their children, and half plan to cut back or leave practice in the next 1-3 yrs. Sadly, over 80% felt docs had "little ability to change the US healthcare system".

A Survey of America
http://www.physiciansfoundation.org/...ial_Survey.pdf

Hopefully Congress will act quickly to address the worsening doc shortage, inc. efforts to retain good docs as well as increase future numbers. At least Grimm's effort appears to be a start. The best HI system would be rather useless without enough providers to go around.
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Old 05-27-2013, 02:13 PM   #23
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I also have an friend who is an anesthesiologist in NYC and he requires less than a third of the medical malpractice and is subject to far fewer regulations. That's my point. Things have gotten worse in the eight years since that 2005 article you reference was written.
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Old 08-10-2013, 04:48 PM   #24
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Covered California, the state health exchange, has announced rates for 2014.

The announcement is here News Magazine | Style Demo

Consumer guide is here http://www.coveredca.com/news/PDFs/C...ns_Booklet.pdf

A comparison of Silver level policpy rates is here http://www.coveredca.com/news/PDFs/S...RatesChart.pdf
Main difference between the Silver and more expensive or less expensive plans appears to be higher co-pays. They all have the same out-of-pocket maximums. But the difference in monthly premiums, depending on age, is greater than the difference in the different co-pays.

So why get higher plans unless you expect to use medical services at least twice a month?
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Old 08-10-2013, 05:59 PM   #25
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Originally Posted by explanade View Post

Main difference between the Silver and more expensive or less expensive plans appears to be higher co-pays. They all have the same out-of-pocket maximums. But the difference in monthly premiums, depending on age, is greater than the difference in the different co-pays.

So why get higher plans unless you expect to use medical services at least twice a month?
How about access to doctors and hospitals, any differences?
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Old 08-10-2013, 09:25 PM   #26
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Originally Posted by explanade View Post
Main difference between the Silver and more expensive or less expensive plans appears to be higher co-pays. They all have the same out-of-pocket maximums. But the difference in monthly premiums, depending on age, is greater than the difference in the different co-pays.

So why get higher plans unless you expect to use medical services at least twice a month?
For people who are self employed, health insurance premiums may be a deductible business expense while co-pays would not be. So in that case the higher cost plans may be a more tax efficient option for some.
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Old 08-11-2013, 12:04 AM   #27
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But not deductible for early retirees.
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Old 08-13-2013, 08:25 PM   #28
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But not deductible for early retirees.
Unless medical insurance plus medical expenses exceeds 10% of adjusted gross income. Then it's a deduction on the individual income taxes. That's a pretty easy target to hit for early retirees without a medical retirement benefit. For my first 5 years of retirement, eligible family medical costs have run from 16% to 25% of AGI.
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Old 08-13-2013, 08:36 PM   #29
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Under some plans, the copays are like $65 for a doctor's visit, which consist of 5 actual minutes with the doctor and a lot of waiting.

I guess that could add up.

One plan had a percentage of payments required by the insured for lab fees.
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Covered California full rates and plans calculator on line
Old 08-30-2013, 07:15 PM   #30
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Covered California full rates and plans calculator on line

Get Covered | Covered California?

This runs you through the shopping process, requiring the number of people, ages, Modified Adjusted Gross Income for subsidy calculation, and zip code to see who is offering coverage in your area.

The "See My Options" button brings up a list of insurers in each category (Bronze, Silver, Gold, Platinum) along with a pop-up explaining the categories. The Bronze/Silver plans are on one page, and the Gold/Platinum plans are on another page, selected by a button near the page top.

Mousing over the row of categories will fade in that ubiquitous left and right ghost arrow to slide through the groups of insurers in each category. Selecting an insurer and plan brings up a new panel to show cost breakdown (price for each insured), benefits, and a short blurb about the insurer.
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Old 08-30-2013, 07:44 PM   #31
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Thanks, that's more specific info than previously (in the links earlier in the thread).

You need a spreadsheet to compare costs between the Bronze and Silver in general and the specific details.

They have the same out of pocket maximums (do these include the premiums?) but it looks like Silver has lower deductible and lower co-pays (and some of the co-pays can be used before using up the deductible?).
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