ur entitled to ur own opinions, ur not entitled to ur own facts. the facts are stated are true, plain and simple. the fact that u feel the need throw out verbal insults on the internet shows the kind of argument u have. I didn't say premiums have gone down, I said the rate of increase has gone down, because it has. theres more to this debate than ur specific premiums.
I much prefer to live in a society where poor kids with chronic/terminal illness are not denied treatment because they cant get insurance. . that's just my opinion, if that makes me a dumbass in ur book, cool.
Originally Posted by southtown4488
The rate of increase has gone down. See the graph that was the result of a study by the Kaiser Family Foundation.
Health insurance premiums for employer-provided family coverage 1999-2014. The 3.0% increase for 2013-2014 was tied for lowest over the 16-year period.
Several studies on insurance premiums expect that with the subsidies offered under the ACA, more people will pay less (than they did prior to the reforms) than those who will pay more, and that those premiums will be more stable (even in changing health circumstances) and transparent, due to the regulations on insurance.
[246][247][248] The
Kaiser Family Foundation has calculated that about half the people who currently buy insurance on their own today will be eligible for subsidies. Among those receiving subsidies (which excludes those with incomes above four times the poverty line — about $46,000 for individuals or $94,000 for a family of four), the subsidies are projected to be worth an average of $5,548 per household, which would effectively discount the projected price of insurance by two-thirds, on average.
[249] For individuals,
NPR and the
Kaiser Family Foundation collaborated to produce a quick online calculator for people to estimate their premiums and subsidy amount, based on where they live, income, and family size.
[248]
For the effect on health insurance premiums, the CBO forecast that by 2016 the individual market would comprise 17% of the market, and that premiums per person would increase by 10% to 13% but that over half of these individuals would receive subsidies that would decrease the premium paid to "well below" premiums charged under current law.
[250][251] It also forecast that for the small group market, 13% of the market, premiums would be impacted 1% to −3%, and −8% to −11% for those receiving subsidies; for the large group market comprising 70% of the market, premiums would be impacted 0% to −3%, with those under high premium plans subject to excise taxes being charged −9% to −12% less. Factors taken into account by this analysis included: increased benefits particularly for the individual market, more healthy policyholders due to the mandate, administrative efficiencies related to the health exchanges, and
high-premium insurance plans reducing some benefits in response to the tax.
[251] As of September 2013, the final projections of the average monthly premium scheduled to be offered in the exchanges came in below CBO expectations, reducing expected costs not only for consumers but also for the government by reducing the overall cost of the subsidies.
[252][253][254][255]
Larry Levitt, a health policy analyst from the
Kaiser Family Foundation, noted that the individual market compromises a
