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American Capital Agency Corp. Message Board

  • raybans2 raybans2 Mar 20, 2014 6:17 PM Flag

    Health care companies are predicting as much as 300% rise in Obamacare premiums next year.

    Who believed Obama that his health care law would cause health care cost to decline? Well, the Democrats must have because they voted for him. So how does it feel to have been screwed over? Had enough yet? Just how much does it take before it sinks in? It never was about anything that they claimed. It was about getting subsidized health care coverage for Obama's Acorn constituents while the rest of us got reamed to pay for it. I hope you love pain because it is only going to get worse. The Democrats are the ones electing these snakes. It doesn't end until they stop doing it. The rest of us can only wait until they get it.

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    • yourbestfriendintheworld yourbestfriendintheworld Mar 25, 2014 3:05 PM Flag

      This lie was floated in 2012.

      Just stop trying.

    • Along with all your dire predictions about the ACA what is your alternative?? When Romney was asked he infamously said people should go to the emergency room. Ron Paul said they should drop dead, You guys are a real piece of work.

      • 1 Reply to walrathcraig550
      • They should have hashed it out together between Republicans and Democrats. Democrats are always focused on the benefits they can offer. Republicans are always focused in the implications of doing that. You need both perspectives in order to get a law that makes sense. It will do no one any good if the ACA fails under its own weight because it doesn't do what it set out to do.

        There are insurance plans that inherently cause medical cost to go down because they motivate patients to look for the lowest cost alternatives. Doctors only care about cost if their customers tell them that cost matter. Otherwise they could care less. I have even had Doctors ask me why I care about the lowest cost approach since I have such good insurance. This is the crux of the problem. The Republicans were pushing for an HSA based system and the Democrats were opposed. Why didn't the Democrats want the patient to be active participants in cutting cost? That is beyond me. And it would have worked because is working already. HSA health insurance policies have the lowest premiums because the patients care about cost. Now we need to take it to the next level were almost all policies are HSA so that doctors take a more serious look at cost because enough of their patients are leaving them that they are forced to reevaluate their modes of operation.

        Nothing else works. Can you imagine how much car insurance would cost if it covered everything, even oil changes and the like. You would go in and the mechanic would come to you with a long laundry list of things he wanted to do and you would say fine because it wasn’t costing you a dime. Then how much do you think car insurance would cost? No one would be able to afford it obviously. Sound familiar?

    • No, they're not. Where'd you get that whopper? I've been buying my own health insurance for years, so I have a pretty good feel for the pricing trends. Let's take my own situation as a reasonable example. Through, I was able to get a policy that's slightly better than my existing one would have been for about 20% lower premiums. (That's pure premium reduction -- no subsidy.) Historically, my premiums have gone up every year except this one, with the largest bump having been about 40% one year, which was an anomaly. Typical annual increases have been much lower than that (though still large enough to be annoying). So even if my insurer decides that it underpriced its offerings this year, the bump next year would probably be 20% or less, since the health-care cost curve has been almost flat lately. Bear in mind, too, that insurance rates are typically regulated at the state level, so increases have to be justified to the regulating agency. Maybe you meant 30% -- that would at least be in the realm of plausibility.

    • Interest rates aren't slated to rise at any particular time. That's a misreading. It will depend on circumstances.

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