Dying in a Town near you.

[XCR1250]

http://money.cnn.com/2017/04/04/news/economy/obamacare-tennessee/index.html

[hwytohell]

demobamacare.

[Mileage Psycho]

14 hours ago, XCR1250 said:

http://money.cnn.com/2017/04/04/news/economy/obamacare-tennessee/index.html

The key word in that piece is "unbalanced risk pools" and that's a problem that Trumpcare would have exacerbated because it would have taken away the mandate.

Below is an excerpt from a good article in the Tennessean that was published last August regarding the HC insurance issue in Tennessee:

Quote

 

Asking and receiving

Cigna and Humana both refiled their requests earlier this month after telling the TDCI that the first requests were likely too low.

McPeak said insurers asked for the opportunity to refile rates last year but she said no. This year, however, was different because many of areas of the state will only have one or two choices. UnitedHealthcare, which sold statewide, dropped off the exchange earlier this year.

“I felt like I didn’t have any choice but to allow them to refile their rates," McPeak said.

Cigna asked for and received an average 46.3 percent increase.

Humana asked for and received an average 44.3 percent increase.

BlueCross BlueShield of Tennessee, which did not refile its request, asked for and received a 62 percent increase.

The insurers will now apply with U.S. Health and Human Services for approval as federally qualified health plans, which is expected toward the end of September.

The exchange in Tennessee "continues to evolve and has proven to be particularly complex," said Katie Sulkowski, spokeswoman for Cigna in Nashville. The company will sell plans in Nashville, Tri-Cities and Memphis and is "grateful for the (TDCI's) willingness to review all emerging facts and reach an objective decision on 2017 pricing that allows Cigna to continue offering plans on the state's 2017 individual exchange," said Sulkowski.

The increases underscore the complex environment of the exchange. People who buy plans on the exchange are heavier users of services than anticipated. In addition, there are changes to federal transitional programs in 2017 that will impact insurers financially.

Haslam underscored the unbalanced premium-cost ratio and how the state has had among the lowest premiums on the exchange to-date while having some of the sickest citizens.

“We’re not alone. Tennessee is not in a unique position. A lot of other states are facing that,” Haslam said. “What happened with the Affordable Care Act is that the people being covered that came into the exchange through that were a lot more expensive to cover than both the federal government (and insurers) thought they’d be.”

Insurers in Tennessee have lost money on high claims and heavy use of services. State officials hope that 2017 is the year the companies can break even.

http://www.tennessean.com/story/money/industries/health-care/2016/08/23/insurers-get-approval-for-2017-obamacare-rates/89196762/

 

 

[Anler]

Hate to tell you sheep... But the only fix for this is UHC...

[$poorsledder$]

Let me cross the state line to buy insurance.  Let me buy medication in Canada or places in Europe. 

[Anler]

9 minutes ago, $poorsledder$ said:

Let me cross the state line to buy insurance.  Let me buy medication in Canada or places in Europe. 

That buying across state lines is a bullshit argument. Premium prices are based on the costs and risk pool in your area. And Canada has socialist health care... Next...

[XCR1250]

I only know 4 people here which had Obama care, they dropped it when it got way too expensive, now they go to the "almost" free clinics that are in this area which does have a sliding scale fees based on your ability to pay if at all.

[$poorsledder$]

7 minutes ago, Anler said:

That buying across state lines is a bullshit argument. Premium prices are based on the costs and risk pool in your area. And Canada has socialist health care... Next...

Insurance companies are fucking us because they can.  If the state line argument was bullshit they would have let it happen already.

Risk pool.......... if you treat your body like shit and it shows when you go to the hospital for that annoying chest pain maybe you should be charged a little more for being as asshole.

I don't want Canadian Healthcare, I just want people to be able to fill their prescription somewhere cheaper.

 

[Anler]

Just now, $poorsledder$ said:

Insurance companies are fucking us because they can.  If the state line argument was bullshit they would have let it happen already.

Risk pool.......... if you treat your body like shit and it shows when you go to the hospital for that annoying chest pain maybe you should be charged a little more for being as asshole.

I don't want Canadian Healthcare, I just want people to be able to fill their prescription somewhere cheaper.

 

Premiums are based on the costs in YOUR AREA!!! Buying coverage based on a different risk pool will not work. 

And you don't like Canadian healthcare but you want to take advantage of their socialist regulation on pharmaceutical companies to save YOU money.

 

[$poorsledder$]

5 minutes ago, Anler said:

Premiums are based on the costs in YOUR AREA!!! Buying coverage based on a different risk pool will not work. 

And you don't like Canadian healthcare but you want to take advantage of their socialist regulation on pharmaceutical companies to save YOU money.

 

Yes, you get fucked based on demographics:

http://khn.org/news/premium-variation-intrastate-obamacare-marketplaces-exchanges/

but reading into the article the insurance companies set prices on a number of factors, one being lack of competition and the availability of good heathcare in the area. 

 

 

The medications are developed here, all the tests and trials are done here....it gets approved and goes globally only to have the US consumer get fucked.  If socialist regulation offers an available cheaper price then let it influence the price at my CVS.

 

[Momorider]

18 minutes ago, Anler said:

Premiums are based on the costs in YOUR AREA!!! Buying coverage based on a different risk pool will not work. 

And you don't like Canadian healthcare but you want to take advantage of their socialist regulation on pharmaceutical companies to save YOU money.

 

Medication isn't covered by our system in Canada you stupid Nazi know nothing Pig Dog. People either have private insurance or employee offered insurance or pay out of pocket you ignorant goose stepping FUCK  

[Anler]

1 minute ago, $poorsledder$ said:

Yes, you get fucked based on demographics:

http://khn.org/news/premium-variation-intrastate-obamacare-marketplaces-exchanges/

but reading into the article the insurance companies set prices on a number of factors, one being lack of competition and the availability of good heathcare in the area. 

 

 

The medications are developed here, all the tests and trials are done here....it gets approved and goes globally only to have the US consumer get fucked.  If socialist regulation offers an available cheaper price then let it influence the price at my CVS.

 

There is plenty of competition in insurance, don't let them fool you. If a company doesn't participate in a specific market it's because there is no money in it. 

The whole concept of Obamacare was drafted by a conservative organization to make the risk pool as large as possible with lots of young healthy people so the prices would be cheaper for everyone. However there is nothing being proposed that addresses healthcare costs. Right now the private medical industry is fucking us hard. The only thing that can change that is govt regulation. Or just abolish the employer mandate and watch them scramble for individual business. 

[Jimmy Snacks]

4 hours ago, Anler said:

That buying across state lines is a bullshit argument. Premium prices are based on the costs and risk pool in your area. And Canada has socialist health care... Next...

Yeah I used to fall for that across state lines crap until I did a little reading....it's nothing but a meaningless distraction from the real issues.

[Angry ginger]

9 hours ago, Anler said:

Hate to tell you sheep... But the only fix for this is UHC...

no doubt it is the only solution

[Angry ginger]

2 hours ago, Biggie Smails said:

Yeah I used to fall for that across state lines crap until I did a little reading....it's nothing but a meaningless distraction from the real issues.

it might have a short term positive for those healthier people in expensive states but once those companies have to start paying for exampe New England costs vs Iowa costs the prices will come up accordingly

[Angry ginger]

6 hours ago, Anler said:

There is plenty of competition in insurance, don't let them fool you. If a company doesn't participate in a specific market it's because there is no money in it. 

The whole concept of Obamacare was drafted by a conservative organization to make the risk pool as large as possible with lots of young healthy people so the prices would be cheaper for everyone. However there is nothing being proposed that addresses healthcare costs. Right now the private medical industry is fucking us hard. The only thing that can change that is govt regulation. Or just abolish the employer mandate and watch them scramble for individual business. 

which makes the 26 year old on parents mandate silly.  

[Anler]

2 hours ago, Angry ginger said:

which makes the 26 year old on parents mandate silly.  

I agree but seeing as how most parents would probably have to buy their kids insurance anyway this works because now they can just keep them on their plan. 

[1jkw]

1 hour ago, Anler said:

I agree but seeing as how most parents would probably have to buy their kids insurance anyway this works because now they can just keep them on their plan. 

 

Or they could pay a smaller amount per month and allow kids to be covered by the same plan. Even at 50.00 or 100.00 a month it would add to the money in the system.

[Woodtick]

[Sal Rosenberg]

7 minutes ago, 1jkw said:

 

Or they could pay a smaller amount per month and allow kids to be covered by the same plan. Even at 50.00 or 100.00 a month it would add to the money in the system.

 

The ' System ' doesn't need any more fuckin money .  The whole thing is just a huge money making scam

[1jkw]

28 minutes ago, Sal Rosenberg said:

 

The ' System ' doesn't need any more fuckin money .  The whole thing is just a huge money making scam

There needs to be cost cutting measures for sure, Tennessee  ranks 5th or 6th poorest state, poor states generally have poor health due to diet and access to care, so more money may be needed there.

[snatchslayer]

10 hours ago, Momorider said:

Medication isn't covered by our system in Canada you stupid Nazi know nothing Pig Dog. People either have private insurance or employee offered insurance or pay out of pocket you ignorant goose stepping FUCK  

What aboot pharmacare?  I just raped those cunts for 1200 for 3 months of meds 

[Highmark]

23 hours ago, Momorider said:

Medication isn't covered by our system in Canada you stupid Nazi know nothing Pig Dog. People either have private insurance or employee offered insurance or pay out of pocket you ignorant goose stepping FUCK  

I see Anler is conveniently ignoring this.  

Reality is medication is about 10% of America's HC costs.    Yes big pharm is making huge coin.   Industry average profit is around 30% I think. (keep in mind almost half of that goes to the govt already)   Pretty easy to do the math, if you make big pharm non profits you save American's about 3% total and say bye, bye to innovation and new drugs.  

[Highmark]

14 hours ago, Anler said:

I agree but seeing as how most parents would probably have to buy their kids insurance anyway this works because now they can just keep them on their plan. 

But it effects rates.   The idea was to get MORE young healthy people paying into the system.....not less.  Kids can stay on a parents plan for less than buying their own especially when you are talking multiple kids.  

[02sled]

23 hours ago, Momorider said:

Medication isn't covered by our system in Canada you stupid Nazi know nothing Pig Dog. People either have private insurance or employee offered insurance or pay out of pocket you ignorant goose stepping FUCK  

That is until you reach 65. Seniors can participate in the Ontario Drug Benefit program where you pay I believe it is the first $200 a year.