The PPACA - Implementation Phase I

[FreshFish]

Re: The PPACA - Implementation Phase I

my premium hasn't gone up in 4 years I think, largely thanks to the fact that we are self-insured and the company started a wellness program that seems to be helping a lot of people (on site fitness trainer, lots of fitness classes during the work day, lifestyle coaching). No changes as a result of the ACA.

It sounds like you have an employer-sponsored small group plan. I hope that you have a similar experience at the end of next year....don't overlook the fact that the employer mandate was delayed for a year, so that whatever problems lurked in PPACA for employer-sponsored plans have merely been pushed out of sight, and not at all eliminated.

Also, the language of PPACA gives HHS wide latitude to write enabling regulations, and so far HHS has used this latitude in a very political manner. They do not like self-insured plans, they do not like them at all. There is ticking time-bomb language that would make many self-insured plans obsolete (most self-insured plans use a high-level stop-loss policy which makes fantastic economic sense but leaves too many entities outside of government control to satisfy their dictatorial nature). I hope you get to keep it 15 months from now.

[DrDemento]

Re: The PPACA - Implementation Phase I

my premium hasn't gone up in 4 years I think, largely thanks to the fact that we are self-insured and the company started a wellness program that seems to be helping a lot of people (on site fitness trainer, lots of fitness classes during the work day, lifestyle coaching). No changes as a result of the ACA.

Again-is this a group policy or an individual policy? As far as i can tell the cancellations and major increases are limited so far to those who purchase individual policies only.

[DrDemento]

Re: The PPACA - Implementation Phase I

My premium is increasing by 5% (less than previous years) and no change in coverage for me(for lower income workers they actually reduced the annual out of pocket maximum.) So it isn't all doom and gloom.

Just for reference-do you purchase your own policy? Or are you part of a group policy from an employer? And is this policy now ACA compatable or will it be cancelled after this next renewal? Also-if you don't mind-age group? My wife over the past 12 years with Horizon BC of NJ has never had any increase less than 7% and some years as high as 19%(this year) and she has already received the letter telling us that this is the last time it will be renewed ever.

I ask much of this to see if we here in the lovely state of NJ are receiving a similar experience to what others are seeing in different areas of the country.

[BassAle]

Re: The PPACA - Implementation Phase I

My premium is increasing by 5% (less than previous years) and no change in coverage for me(for lower income workers they actually reduced the annual out of pocket maximum.) So it isn't all doom and gloom.

my premium hasn't gone up in 4 years I think, largely thanks to the fact that we are self-insured and the company started a wellness program that seems to be helping a lot of people (on site fitness trainer, lots of fitness classes during the work day, lifestyle coaching). No changes as a result of the ACA.

[Rover]

Re: The PPACA - Implementation Phase I

In 08 he didn't run on jobs?

In 2008 he ran on a liberal agenda and won big. In 2012 he ran on a "don't compare me to the Almighty, compare me to the opposition" platform...and won comfortably. Expect that same thing in 2016 with Clinton vs whoever.

[walrus]

Re: The PPACA - Implementation Phase I

Obama didn't run on jobs. Why do you all keep equating stuff to him that doesn't exist? He ran on the Affordable Care Act and won. Check out the news on the book Double Down and see how awful a showing the Republicans made in 2012 really was.

In 08 he didn't run on jobs?

[jerphisch]

Re: The PPACA - Implementation Phase I

My premium is increasing by 5% (less than previous years) and no change in coverage for me(for lower income workers they actually reduced the annual out of pocket maximum.) So it isn't all doom and gloom.

[ScoobyDoo]

Re: The PPACA - Implementation Phase I

Appears I was right about one thing. The PPACA would have been much better with Republican support.

The Washington Post's tick-tock by Amy Goldstein and Juliet Eilperin on the decisions leading to the dysfunctional launch of healthcare.gov is cast in a familiar genre: an anatomy of politicized administrative incompetence. And the piece does capture some likely bad decisions.

But the narrative documents a more basic fact, not hidden but acknowledged only secondarily: sabotage works. More specifically: in a two-party system, if one party gives itself over with fanatic single-mindedness to sabotaging the enactment of a major reform, it will succeed in some degree.

http://xpostfactoid.blogspot.com/201...-disaster.html

Good job on the sabotage Boner. Your Constituents love you.

[Rover]

Re: The PPACA - Implementation Phase I

Is there an outbreak of crybaby disease suddenly sweeping the country or something? What a bunch of whiners and no offense its either 1) old people in the their late 50s to mid 70's or 2) young people not getting laid. This is like a bad family reunion where your crabby uncle complains about how the Fed raised the money supply but he checked his bank account and it had the same amount of money in it. Don't you realize you come off as whiny idiots with zero solutions to anything? Occasiaonally there's a good point to be made but it gets lost in the din of people frustrated with their own lives and seeking to take it out on others via right wing politics.

I just got back from a weekend trip seeing my 90+ year old grandparents for their birthdays, and these people who saw a Depression and a World War and are now dealing with all kinds of aches and pains are for more positive than the righty losers polluting this thread. We're not laughing with you, we're laughing at you. Grow a pair and stop crying already.

[ScoobyDoo]

Re: The PPACA - Implementation Phase I

Obama?, once again the 2 wrongs make a right excuse

Obama didn't run on jobs. Why do you all keep equating stuff to him that doesn't exist? He ran on the Affordable Care Act and won. Check out the news on the book Double Down and see how awful a showing the Republicans made in 2012 really was.

[walrus]

Re: The PPACA - Implementation Phase I

Uh, huh. That's a great excuse for Mr. Jobs Jobs Jobs. Never created one, never passed a law that created one. Doesn't have a real job himself.

Obama?, once again the 2 wrongs make a right excuse

[Old Pio]

Re: The PPACA - Implementation Phase I

He isn't running around Washington chanting jobs, jobs, jobs while voting on the latest anti-abortion legislation. But, I guess you don't know that.

This is your brain. This is your brain on *******. You "pro choice" monomaniacs are funny. You can work that sh*t into any conversation, can't you? Only you guys can turn a fat, 30-year old co-ed into a heroine because she can afford 60K tuition at Georgetown law but wants somebody else to pay for her birth control pills at Target. "What the h*ll business of those G*d d*mn Catholics is it to have beliefs we disapprove of?"

[ScoobyDoo]

Re: The PPACA - Implementation Phase I

Whereas "Mr. Cheap Suit Chicago Community Organizer" is Horatio Alger writ large. He's never so much as had a paper route. Or sold "Grit." Like so many *******s, his understanding about free enterprise and working for a living comes from books and PBS.

He isn't running around Washington chanting jobs, jobs, jobs while voting on the latest anti-abortion legislation. But, I guess you don't know that.

[Old Pio]

Re: The PPACA - Implementation Phase I

Uh, huh. That's a great excuse for Mr. Jobs Jobs Jobs. Never created one, never passed a law that created one. Doesn't have a real job himself.

Whereas "Mr. Cheap Suit Chicago Community Organizer" is Horatio Alger writ large. He's never so much as had a paper route. Or sold "Grit." Like so many *******s, his understanding about free enterprise and working for a living comes from books and PBS and scary stories told around campfires.

Incidentally, Boehner's claim to the "legitimacy" of his job is exactly the same as it was for Pelosi. I'm assuming you didn't claim she "didn't have a real job." Such flexibility is admirable in Cirque du Soleil, but not here.

[ScoobyDoo]

Re: The PPACA - Implementation Phase I

He's say: "There's' no such thing as a shovel ready job." But Neville spent a trillion dollars to create some anyway. The unions were happy, though.

Uh, huh. That's a great excuse for Mr. Jobs Jobs Jobs. Never created one, never passed a law that created one. Doesn't have a real job himself.