‘The Affordable Care Act: 5 Years Later’ (WH.gov)

Oh go fuck yourself faggot, I have little patience for left wing lies, just as I do right wing lies. Like I said Pedro, anytime you want to stop gardening and want to play for $500 a hole I would love to see you on the course, tell then save it. Originally Posted by dirty dog

Till then, goddammit!. I wouldn't play you on principle, you're so goddamn stupid. I have little patience for cunts such as yourself. You try so hard to touch the hem of my garments, but you always fall just a bit short. Quit trying to rub up against your betters. It makes you look worse than you already do.

Id like to see any one of u republicunts tell a kid with cancer he cant have his medical treatment because he was born poor and he cant get insurance due to having a pre-existing condition. Which one of u will sign up for that duty??? Originally Posted by southtown4488

St. Jude's Hospital, the AFLAC Children's Cancer Center and many others take patients without charging them a dime. You make stuff up.

Till then, goddammit!. I wouldn't play you on principle, you're so goddamn stupid. I have little patience for cunts such as yourself. You try so hard to touch the hem of my garments, but you always fall just a bit short. Quit trying to rub up against your betters. It makes you look worse than you already do. Originally Posted by WombRaider

You know what I am sorry that wasn't very nice on my part and I am glad you illustrated it for me. We could never play a round together, I don't play public courses and of course you probably cant get into any of the clubs. See my little pendejo beaner from Arkansas, the best you can do is call me stupid, like I give a shit what some former lettuce picker thinks of me.

St. Jude's Hospital, the AFLAC Children's Cancer Center and many others take patients without charging them a dime. You make stuff up. Originally Posted by CuteOldGuy

Yeah I pointed that out to him and his sister WR, of course he said I was liar and stupid

Oh go fuck yourself faggot, I have little patience for left wing lies, just as I do right wing lies. Like I said Pedro, anytime you want to stop gardening and want to play for $500 a hole I would love to see you on the course, tell then save it. Originally Posted by dirty dog

woomby WISHES he could get payed $ 500 per hole at Talleywackers and his franchises but his fellow puto mamalon buddies from Me-hi-co can't afford that. He wants to maintain the lie that he provides a "community service" like his hero odummer was as a "community organizer". And we all know how well THAT'S worked for the rest of us !! It wouldn't be TOO hard for woomby to meet you on the course, since he hides out in the trees trying to supplement his take from Talleywackers and the 'holes franchises by blowing any golfer that hits one into the trees or the rough. He tells them that he'll help them find their "balls". And how he can help them with their "stroke".

St. Jude's Hospital, the AFLAC Children's Cancer Center and many others take patients without charging them a dime. You make stuff up. Originally Posted by CuteOldGuy

For you to think that every kid who has cancer gets treatment, is to make stuff up. I'll bet if it was your kid, you'd be singing a different goddamn tune.

You know what I am sorry that wasn't very nice on my part and I am glad you illustrated it for me. We could never play a round together, I don't play public courses and of course you probably cant get into any of the clubs. See my little pendejo beaner from Arkansas, the best you can do is call me stupid, like I give a shit what some former lettuce picker thinks of me. Originally Posted by dirty dog

Here's why I win; you ARE stupid and you illustrate it with every fucking post. I was NEVER a lettuce picker and you know it. You obviously DO give a shit, because you keep fucking responding. I don't play golf because it's a faggy sport. So have at it, shitstain. You and the rest of your swishy-walking homo golf buddies. Be careful you don't trip and get a dick in your ass. You know, on accident

woomby WISHES he could get payed $ 500 per hole at Talleywackers and his franchises but his fellow puto mamalon buddies from Me-hi-co can't afford that. He wants to maintain the lie that he provides a "community service" like his hero odummer was as a "community organizer". And we all know how well THAT'S worked for the rest of us !! It wouldn't be TOO hard for woomby to meet you on the course, since he hides out in the trees trying to supplement his take from Talleywackers and the 'holes franchises by blowing any golfer that hits one into the trees or the rough. He tells them that he'll help them find their "balls". And how he can help them with their "stroke". Originally Posted by Rey Lengua

Goddamn, you are an idiot among idiots. You know what wouldn't be too hard? For you to come up with a new schtick. It's so old, it's drooping like your nuts. You say you want to somehow correct liberal lies, but you don't even do that much. You're too goddamn dumb. All you do is this bullshit and the occasional +1 on someone's post who is much smarter than you. You have NEVER had an original thought on the matter. EVER. You are too fucking stupid to understand, but you are exactly what you accuse me of being. It's irony, you're too stupid to get that too.

St. Jude's Hospital, the AFLAC Children's Cancer Center and many others take patients without charging them a dime. You make stuff up. Originally Posted by CuteOldGuy

Who ultimately pays for that? Do you even understand how so called free care works?

You and the rest of your swishy-walking homo golf buddies. Originally Posted by WombRaider

Hey Rey, sewer rat is starting to talk like you. Plus he brings up tallywackers a lot lately. He must like your "schtick". Imitation is the sincerest form of flattery.
.

Here is the real scoop from a guy who knows what he is talking about... the worst is still to come!


ObamaCare’s Prices Will Keep Surging

After this year’s spike, the average family plan will go up another 11.2% in 2016.

By STEPHEN T. PARENTE
July 16, 2015 6:54 p.m. ET

Americans who purchase health insurance on the Affordable Care Act’s exchanges should buckle up. Within the month, state regulators will begin approving premium hikes for plans sold in every state. The Centers for Medicare and Medicaid Services (CMS) has already released the premium increases that health insurers have requested for their 2016 plans. By law, insurers must receive regulatory approval for any increase more than 10%—and more than 10% is what many of them want.

The numbers are staggering. According to the rate requests posted on Healthcare.gov, nearly every state has multiple plans that are facing a more than 10% premium increase. Many plans—including some offered by state-market leaders—could see hikes of more than 30%, 40% or even 50%. Though most of these requests have not been approved, nor have all of the rate hikes that are less than 10% been unveiled, it is undeniable that millions of Americans are facing double-digit premium increases for health insurance next year.

For the first time since the law went into effect three years ago, insurers are basing their rate-hike requests on more than a year of data. For 2014 plans, they had to make educated guesses on how to price their never-before-sold ACA-compliant plans. For 2015 estimates, insurers had about six months of information to work with, and the final average premium increase was 5.4%. Now that insurers have a more complete picture, it is clear that costs are increasing much faster than anticipated.

It’s only going to get worse after 2016, as I’ve written in these pages, when two de facto bailouts for insurance companies expire. Through “risk corridors,” taxpayers are on the hook for patients who spend more on health care than insurers predicted. Through “reinsurance,” taxpayers are heavily subsidizing the most-expensive patients—those who make more than $70,000 in claims in 2015. Thanks to these two programs, insurance companies are able to artificially lower their premiums for consumers—by between 10%-15% in 2014, according to CMS—while charging the taxpayer for their losses. Reinsurance alone cost taxpayers $7.9 billion in 2014.

But consumers will pick up that tab once these programs disappear at the end of 2016. Health insurers are aware of this fact, and it’s in their interest to avoid the negative attention—and angry customers—that dramatic premium increases will cause. They thus have an incentive to spread out the coming hikes over both 2016 and 2017, rather than confine them to next year.

Using the latest health-insurance-exchange enrollment data and a microsimulation model funded in part by the Health and Human Services Department, I estimated the premium increases that could occur as a result of the expiration of risk corridors and reinsurance. My model also assumes that 2017’s big premium increases will be spread out over both 2016 and 2017 rates.

My research shows that the average 2016 family plan could experience premium increases of 11.2%, compared with 8% hikes for individual plans. The relatively cheap bronze plans, which cover 60% of a consumer’s health-care costs, could see the highest jumps—16.6% and 11.5%, respectively. Individual silver plans could see a relatively low increase—3.1%—but families won’t be so lucky, potentially paying 8.4% more.

That won’t stay the same in 2017, however, when individual silver-plan premiums could rise by an average of 12.1%, surpassing a 9.2% increase for families. Across every type of health-care plan—bronze, silver, gold, platinum and catastrophic—families could be looking at average increases of 7.3%, compared with 11% premium hikes for individual plan holders.

To put these numbers in context: For consumers with silver plans, which account for about two-thirds of the ACA market, the average individual could see annual premiums rise to $3,700 over the next year and a half from $3,200. A family could expect an increase to $15,400 from $13,000 over the same period.

After 2017, most ACA-compliant plans will likely fall into a pattern of annual premium increases of between 3%-6%, which will persist for the next decade and likely beyond. By 2023, I estimate that the average family plan could be 61% more expensive than it is in 2015, with individual plans only one or two percentage points behind. These increases are so high that direct taxpayer subsidies to consumers are unlikely to keep up. So the cost, both financially and politically, will become increasingly intolerable.

Policy makers should keep this in mind in the wake of the Supreme Court’s decision upholding federal subsidies in King v. Burwell . Despite the court’s decision, and the president’s claims to the contrary, the Affordable Care Act remains unaffordable for too many Americans—and that will only get worse in the coming years.

Mr. Parente, a professor of health finance, is an associate dean at the Carlson School of Management at the University of Minnesota.

Who ultimately pays for that? Do you even understand how so called free care works? Originally Posted by WTF

He doesn't care, he's 'libertarian'. It just floats out there in the ether.

Here is the real scoop from a guy who knows what he is talking about... the worst is still to come!


ObamaCare’s Prices Will Keep Surging

After this year’s spike, the average family plan will go up another 11.2% in 2016.

By STEPHEN T. PARENTE
July 16, 2015 6:54 p.m. ET

Americans who purchase health insurance on the Affordable Care Act’s exchanges should buckle up. Within the month, state regulators will begin approving premium hikes for plans sold in every state. The Centers for Medicare and Medicaid Services (CMS) has already released the premium increases that health insurers have requested for their 2016 plans. By law, insurers must receive regulatory approval for any increase more than 10%—and more than 10% is what many of them want.

The numbers are staggering. According to the rate requests posted on Healthcare.gov, nearly every state has multiple plans that are facing a more than 10% premium increase. Many plans—including some offered by state-market leaders—could see hikes of more than 30%, 40% or even 50%. Though most of these requests have not been approved, nor have all of the rate hikes that are less than 10% been unveiled, it is undeniable that millions of Americans are facing double-digit premium increases for health insurance next year.

For the first time since the law went into effect three years ago, insurers are basing their rate-hike requests on more than a year of data. For 2014 plans, they had to make educated guesses on how to price their never-before-sold ACA-compliant plans. For 2015 estimates, insurers had about six months of information to work with, and the final average premium increase was 5.4%. Now that insurers have a more complete picture, it is clear that costs are increasing much faster than anticipated.

It’s only going to get worse after 2016, as I’ve written in these pages, when two de facto bailouts for insurance companies expire. Through “risk corridors,” taxpayers are on the hook for patients who spend more on health care than insurers predicted. Through “reinsurance,” taxpayers are heavily subsidizing the most-expensive patients—those who make more than $70,000 in claims in 2015. Thanks to these two programs, insurance companies are able to artificially lower their premiums for consumers—by between 10%-15% in 2014, according to CMS—while charging the taxpayer for their losses. Reinsurance alone cost taxpayers $7.9 billion in 2014.

But consumers will pick up that tab once these programs disappear at the end of 2016. Health insurers are aware of this fact, and it’s in their interest to avoid the negative attention—and angry customers—that dramatic premium increases will cause. They thus have an incentive to spread out the coming hikes over both 2016 and 2017, rather than confine them to next year.

Using the latest health-insurance-exchange enrollment data and a microsimulation model funded in part by the Health and Human Services Department, I estimated the premium increases that could occur as a result of the expiration of risk corridors and reinsurance. My model also assumes that 2017’s big premium increases will be spread out over both 2016 and 2017 rates.

My research shows that the average 2016 family plan could experience premium increases of 11.2%, compared with 8% hikes for individual plans. The relatively cheap bronze plans, which cover 60% of a consumer’s health-care costs, could see the highest jumps—16.6% and 11.5%, respectively. Individual silver plans could see a relatively low increase—3.1%—but families won’t be so lucky, potentially paying 8.4% more.

That won’t stay the same in 2017, however, when individual silver-plan premiums could rise by an average of 12.1%, surpassing a 9.2% increase for families. Across every type of health-care plan—bronze, silver, gold, platinum and catastrophic—families could be looking at average increases of 7.3%, compared with 11% premium hikes for individual plan holders.

To put these numbers in context: For consumers with silver plans, which account for about two-thirds of the ACA market, the average individual could see annual premiums rise to $3,700 over the next year and a half from $3,200. A family could expect an increase to $15,400 from $13,000 over the same period.

After 2017, most ACA-compliant plans will likely fall into a pattern of annual premium increases of between 3%-6%, which will persist for the next decade and likely beyond. By 2023, I estimate that the average family plan could be 61% more expensive than it is in 2015, with individual plans only one or two percentage points behind. These increases are so high that direct taxpayer subsidies to consumers are unlikely to keep up. So the cost, both financially and politically, will become increasingly intolerable.

Policy makers should keep this in mind in the wake of the Supreme Court’s decision upholding federal subsidies in King v. Burwell . Despite the court’s decision, and the president’s claims to the contrary, the Affordable Care Act remains unaffordable for too many Americans—and that will only get worse in the coming years.

Mr. Parente, a professor of health finance, is an associate dean at the Carlson School of Management at the University of Minnesota. Originally Posted by lustylad

What would they cost without the ACA? That's the question. As usual, you're full of shit. 3-6 percent yearly increases sounds a lot better than double-digit increases, doesn't it, shitface?

"As the press release on the survey says: “Premiums increased more slowly over the past five years than the preceding five years (26 percent vs. 34 percent) and well below the annual double-digit increases recorded in the late 1990s and early 2000s. This year’s increase also is similar to the year-to-year rise in worker’s wages (2.3 percent) and general inflation (2 percent).”

You know what I am sorry that wasn't very nice on my part and I am glad you illustrated it for me. We could never play a round together, I don't play public courses and of course you probably cant get into any of the clubs. See my little pendejo beaner from Arkansas, the best you can do is call me stupid, like I give a shit what some former lettuce picker thinks of me. Originally Posted by dirty dog

woomby defensively say he was never a lettuce picker, but won't deny that he was a jalapeno picker. That's why he has his fetish for jalapeno shaped dicks ! An his eyes glaze over and he drools uncontrollably every time he goes by a Chili's restaurant !

Here is the real scoop from a guy who knows what he is talking about... the worst is still to come!


ObamaCare’s Prices Will Keep Surging

After this year’s spike, the average family plan will go up another 11.2% in 2016.

By STEPHEN T. PARENTE
July 16, 2015 6:54 p.m. ET

Americans who purchase health insurance on the Affordable Care Act’s exchanges should buckle up. Within the month, state regulators will begin approving premium hikes for plans sold in every state. The Centers for Medicare and Medicaid Services (CMS) has already released the premium increases that health insurers have requested for their 2016 plans. By law, insurers must receive regulatory approval for any increase more than 10%—and more than 10% is what many of them want.

The numbers are staggering. According to the rate requests posted on Healthcare.gov, nearly every state has multiple plans that are facing a more than 10% premium increase. Many plans—including some offered by state-market leaders—could see hikes of more than 30%, 40% or even 50%. Though most of these requests have not been approved, nor have all of the rate hikes that are less than 10% been unveiled, it is undeniable that millions of Americans are facing double-digit premium increases for health insurance next year.

For the first time since the law went into effect three years ago, insurers are basing their rate-hike requests on more than a year of data. For 2014 plans, they had to make educated guesses on how to price their never-before-sold ACA-compliant plans. For 2015 estimates, insurers had about six months of information to work with, and the final average premium increase was 5.4%. Now that insurers have a more complete picture, it is clear that costs are increasing much faster than anticipated.

It’s only going to get worse after 2016, as I’ve written in these pages, when two de facto bailouts for insurance companies expire. Through “risk corridors,” taxpayers are on the hook for patients who spend more on health care than insurers predicted. Through “reinsurance,” taxpayers are heavily subsidizing the most-expensive patients—those who make more than $70,000 in claims in 2015. Thanks to these two programs, insurance companies are able to artificially lower their premiums for consumers—by between 10%-15% in 2014, according to CMS—while charging the taxpayer for their losses. Reinsurance alone cost taxpayers $7.9 billion in 2014.

But consumers will pick up that tab once these programs disappear at the end of 2016. Health insurers are aware of this fact, and it’s in their interest to avoid the negative attention—and angry customers—that dramatic premium increases will cause. They thus have an incentive to spread out the coming hikes over both 2016 and 2017, rather than confine them to next year.

Using the latest health-insurance-exchange enrollment data and a microsimulation model funded in part by the Health and Human Services Department, I estimated the premium increases that could occur as a result of the expiration of risk corridors and reinsurance. My model also assumes that 2017’s big premium increases will be spread out over both 2016 and 2017 rates.

My research shows that the average 2016 family plan could experience premium increases of 11.2%, compared with 8% hikes for individual plans. The relatively cheap bronze plans, which cover 60% of a consumer’s health-care costs, could see the highest jumps—16.6% and 11.5%, respectively. Individual silver plans could see a relatively low increase—3.1%—but families won’t be so lucky, potentially paying 8.4% more.

That won’t stay the same in 2017, however, when individual silver-plan premiums could rise by an average of 12.1%, surpassing a 9.2% increase for families. Across every type of health-care plan—bronze, silver, gold, platinum and catastrophic—families could be looking at average increases of 7.3%, compared with 11% premium hikes for individual plan holders.

To put these numbers in context: For consumers with silver plans, which account for about two-thirds of the ACA market, the average individual could see annual premiums rise to $3,700 over the next year and a half from $3,200. A family could expect an increase to $15,400 from $13,000 over the same period.

After 2017, most ACA-compliant plans will likely fall into a pattern of annual premium increases of between 3%-6%, which will persist for the next decade and likely beyond. By 2023, I estimate that the average family plan could be 61% more expensive than it is in 2015, with individual plans only one or two percentage points behind. These increases are so high that direct taxpayer subsidies to consumers are unlikely to keep up. So the cost, both financially and politically, will become increasingly intolerable.

Policy makers should keep this in mind in the wake of the SupremTe Court’s decision upholding federal subsidies in King v. Burwell . Despite the court’s decision, and the president’s claims to the contrary, the Affordable Care Act remains unaffordable for too many Americans—and that will only get worse in the coming years.

Mr. Parente, a professor of health finance, is an associate dean at the Carlson School of Management at the University of Minnesota. Originally Posted by lustylad

This is not new news. The op has said the same thing. The premiums will go up until the risk pools on the exchanges balance out between low risk and high risk policyholders. It has also been covered that if you are in the range of family of 4 and income is > $24,000 and < $94,0000 the Federal Government is going to help you pay for that premium increase. We know that IFFY and Brebart will not like that.