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Old 12-02-2013, 08:46 AM   #21
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For people with unsubsidized premiums PPACA insurance costs more than conventional individual insurance.
Not true.
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Old 12-02-2013, 11:18 AM   #22
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I had a long phone conversation with our insurer and here's what I learned.

The letter pertains to our insurance for 2014, the subsidized Marketplace policy. But, the fees are already included in our quote.

This was verified by talking to a Marketplace adviser at our insurance company who generated a new quote from our zip code and ages and the plan we've enrolled in and it was the same as I had gotten from HealthCare.gov which was then reduced by our subsidy. He said that his system quotes the premium with the federal fees included.

Nice to know. They really should have explained this better as the letter says that these fees will be added to your invoice and an example shows the fees as an additional item.
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Old 12-02-2013, 11:35 AM   #23
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Heck, we're still paying an 18% tax on all wine/liquor purchases to cover something that happened in 1936 ...

Johnstown Flood Tax - Repeal the Johnstown Flood Tax
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Old 12-02-2013, 12:50 PM   #24
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Originally Posted by nvestysly View Post
For people with unsubsidized premiums PPACA insurance costs more than conventional individual insurance. And for those who receive subsidies don't forget that's somebody else's money paying for your premium.
Definitely not true. We're saving a considerable amount over COBRA and even more vs. what we would be paying on the private market based on 2013 ehealthinsurance.com rates. We've had some minor aging joint issues the last two years and we each have a history of prescription drug use, so I'm not even sure we could get coverage privately. We are far from qualifying for a subsidy. I've seen people turned down for some really stupid stuff.
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Old 12-02-2013, 02:35 PM   #25
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Definitely not true. We're saving a considerable amount over COBRA and even more vs. what we would be paying on the private market based on 2013 ehealthinsurance.com rates. We've had some minor aging joint issues the last two years and we each have a history of prescription drug use, so I'm not even sure we could get coverage privately. We are far from qualifying for a subsidy. I've seen people turned down for some really stupid stuff.
Definitely depends on the individual and their circumstance as mine will more than triple once my underwritten plan expires next year.
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Old 12-02-2013, 03:44 PM   #26
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Are these fees already built into the new quote I received for next year's insurance, or are they on top of them?
I just got my BCBSTX invoice (which matches my quote) and it explicitly states that the Annual Fee on Health Insurers and the Transitional Reinsurance Contribution Fee are included.

Now, why is the invoice instructing me to pay by 1/1/14 if they have already drafted that amount from by bank account? That is the mystery!!!!

I'll be calling in a few days......
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Old 12-02-2013, 04:12 PM   #27
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Quote:
Originally Posted by nvestysly View Post
For people with unsubsidized premiums PPACA insurance costs more than conventional individual insurance. And for those who receive subsidies don't forget that's somebody else's money paying for your premium.
Quote:
Originally Posted by audreyh1 View Post
Not true.
Quote:
Originally Posted by AllDone View Post
Definitely not true. We're saving a considerable amount over COBRA and even more vs. what we would be paying on the private market based on 2013 ehealthinsurance.com rates. We've had some minor aging joint issues the last two years and we each have a history of prescription drug use, so I'm not even sure we could get coverage privately. We are far from qualifying for a subsidy. I've seen people turned down for some really stupid stuff.
It may not be true for the two of you but it's certainly true for my situation. See the thread posted HERE for more details if you're interested.
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Old 12-02-2013, 04:50 PM   #28
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Added fees are now commonplace. I wouldn't be surprised if providers start charging extra fees. If 20 or 30 dollars/ month paid to insurers is insignificant then another 20 or 30 per visit paid to the provider should be palpable.
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