Health care premiums will surpass median U.S. incomes by 2033: study

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I'm paying over $16,000 a year per family on my group policy renewal.

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Pffff....I was paying that before the ACA....

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Originally Posted by CosmicCowboy

I can believe it. I'm paying over $16,000 a year per family on my group policy renewal. Of course $650 of that is my new obamacare tax for providing that family with insurance.

It's pretty fucked up when you get taxed for trying to do the right thing by your employees and don't get taxed for telling them to fuck off and get your own insurance.

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wouldnt it be better if employers paid the employees the amount they would pay for their individual/family policy as a wage, and let the employee decide to use that income whether they want to go private or public system.....why should it be the burden of the employer to foot the bill of its employees health policys...

ACA isn't causing the health insurance rates to go up. They were exploding for 25 years before ACA was passed. The HMO era was an attempt to get health care costs under control, but predatory, greedy health care and insurance provideres were, are still unstoppable. Health care + insurance is about the biggest wealth black hole for Human-Amreicans' $Ts. Human-Americans are defenseless ATMs for Corporate-Americans.

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Originally Posted by TDMVPDPOY

wouldnt it be better if employers paid the employees the amount they would pay for their individual/family policy as a wage, and let the employee decide to use that income whether they want to go private or public system.....why should it be the burden of the employer to foot the bill of its employees health policys...

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The US tax system encourages it. if I paid my employees what I paid for their health care it would be taxable income to them.

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Originally Posted by boutons_deux

ACA isn't causing the health insurance rates to go up. They were exploding for 25 years before ACA was passed. The HMO era was an attempt to get health care costs under control, but predatory, greedy health care and insurance provideres were, are still unstoppable. Health care + insurance is about the biggest wealth black hole for Human-Amreicans' $Ts. Human-Americans are defenseless ATMs for Corporate-Americans.

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Of course ACA causes premiums to go up for some. The system is designed to provide free or subsidized health care for some by overcharging others. That is undeniable.

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Originally Posted by CosmicCowboy

Of course ACA causes premiums to go up for some. The system is designed to provide free or subsidized health care for some by overcharging others. That is undeniable.

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Well, the idea is to spread the risk of the ill among the un-ill, more like insurance than health-care...but greedy insurance companies are not offering policies in some areas so that other riskier insurance companies have to pick up the chronically ill, including the costly mentally ill and those who don't have private insurance or qualify for medicare..so when you get a riskier pool you get higher costs...this was a system designed by the industry itself thanks to Alex, and now the insurance industry is complaining about a system they helped design... go figure...

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Originally Posted by Nbadan

Well, the idea is to spread the risk of the ill among the un-ill, more like insurance than health-care...but greedy insurance companies are not offering policies in some areas so that other riskier insurance companies have to pick up the chronically ill, including the costly mentally ill and those who don't have private insurance or qualify for medicare..so when you get a riskier pool you get higher costs...this was a system designed by the industry itself thanks to Alex, and now the insurance industry is complaining about a system they helped design... go figure...

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That's bullshit. The idea is to spread the COST of the ill to the un-ill making the healthy pay more for insurance. Why do you think the administration is panicking and starting this huge media campaign trying to make signing up for Obamacare "cool"? Without the healthy twenty somethings signing up the numbers don't work.

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Originally Posted by CosmicCowboy

That's bullshit. The idea is to spread the COST of the ill to the un-ill making the healthy pay more for insurance. Why do you think the administration is panicking and starting this huge media campaign trying to make signing up for Obamacare "cool"? Without the healthy twenty somethings signing up the numbers don't work.

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And this is something new? Large organizations have used the young to pay for the old for some time now. And an amazing phenomena occurs, the young become old and use the health care more as well, while a younger workforce pays for them. Shared risk always involves individuals who are a larger risk. Now actually identifying the high risk individuals and cutting them out while raising costs... $$$

"The idea is to spread the COST of the ill to the un-ill making the healthy pay more for insurance."

well, duh, CC figured out insurance works.

taxpayers have already been paying for uninsured sick people cared for by university, public, county hospitals, and in for-profit hospital that don't get fully reimbursed by state and fed.
and ACA doesn't set, increase insurance rates, the for-profit rip-off insurance companies do. Insurance rates have been increasing annually in multiples of the inflation rate for decades before ACA, but now CC is upset. :lol

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Originally Posted by boutons_deux

"The idea is to spread the COST of the ill to the un-ill making the healthy pay more for insurance."

well, duh, CC figured out insurance works.

taxpayers have already been paying for uninsured sick people cared for by university, public, county hospitals, and in for-profit hospital that don't get fully reimbursed by state and fed.
and ACA doesn't set, increase insurance rates, the for-profit rip-off insurance companies do. Insurance rates have been increasing annually in multiples of the inflation rate for decades before ACA, but now CC is upset. :lol

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If he lived in Bexar County he would have seen this in his taxes for the county hospitals.

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Originally Posted by pgardn

And this is something new? Large organizations have used the young to pay for the old for some time now. And an amazing phenomena occurs, the young become old and use the health care more as well, while a younger workforce pays for them. Shared risk always involves individuals who are a larger risk. Now actually identifying the high risk individuals and cutting them out while raising costs... $$$

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You guys obviously haven't bought much health insurance over the years. Everyone was rated by age and health and billed accordingly. Yeah, a big company that had employees with ages from 18 - 70 maybe averaged out but now under the ACA age and health simply don't matter. A 64 year old diabetic pays the same as a 22 year old healthy male.

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Originally Posted by boutons_deux

"The idea is to spread the COST of the ill to the un-ill making the healthy pay more for insurance."

well, duh, CC figured out insurance works.

taxpayers have already been paying for uninsured sick people cared for by university, public, county hospitals, and in for-profit hospital that don't get fully reimbursed by state and fed.
and ACA doesn't set, increase insurance rates, the for-profit rip-off insurance companies do. Insurance rates have been increasing annually in multiples of the inflation rate for decades before ACA, but now CC is upset. :lol

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Uhhh...I pay about 20K a year in property taxes and I haven't seen my bill for the University Health System go down any. Where are these savings you speak of?

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Originally Posted by CosmicCowboy

You guys obviously haven't bought much health insurance over the years. Everyone was rated by age and health and billed accordingly. Yeah, a big company that had employees with ages from 18 - 70 maybe averaged out but now under the ACA age and health simply don't matter. A 64 year old diabetic pays the same as a 22 year old healthy male.

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This is why the "you can keep your plan" promise is such bullshit. I kept my plan but my premium jumped way up because the insurance company can no longer use my personal health to determine my rate.

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Originally Posted by CosmicCowboy

You guys obviously haven't bought much health insurance over the years. Everyone was rated by age and health and billed accordingly. Yeah, a big company that had employees with ages from 18 - 70 maybe averaged out but now under the ACA age and health simply don't matter. A 64 year old diabetic pays the same as a 22 year old healthy male.

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Seems like that's an incentive for smaller businesses to discriminate against older employees.

You should be allowed to pay for what you want. Plain and simple. If you don't get sick that much, shouldn't you be allowed to just risk it and/or maybe just have emergencies covered?

CC assumes the insurance companies are FORCED to increase insurance rates because the poor things just can't make any money, he understands they gotta "put food on their family".

I KNOW the insurance companies are increasing rates due to the opportunity (they NEVER miss one) of disruption in US health care, with the insurance companies hiding behind their lie "that debbil Obamacare made me do it".

USA health care is still and will always be a wealth-sucking blackhole of a disaster for Human-Americans.

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Originally Posted by CosmicCowboy

You guys obviously haven't bought much health insurance over the years. Everyone was rated by age and health and billed accordingly. Yeah, a big company that had employees with ages from 18 - 70 maybe averaged out but now under the ACA age and health simply don't matter. A 64 year old diabetic pays the same as a 22 year old healthy male.

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Wrong.

You see the idea is that 22 year old might become 64... And diabetic.

And I think the ACA is highly flawed.

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Originally Posted by pgardn

Wrong.

You see the idea is that 22 year old might become 64... And diabetic.

And I think the ACA is highly flawed.

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I thought the idea was that the 22 year old might become a 64 year old with a head injury caused by a frozen turd falling from the sky who then develops chronic constipation due to his fear of turds, thus requiring both medical and psychological treatment. Luckily his mom had the talk with him and he got covered.

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Originally Posted by SnakeBoy

I thought the idea was that the 22 year old might become a 64 year old with a head injury caused by a frozen turd falling from the sky who then develops chronic constipation due to his fear of turds, thus requiring both medical and psychological treatment. Luckily his mom had the talk with him and he got covered.

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OK

We got that covered as well...