TOTALLY GEEKED!

I know what to do_sometimes wrote:

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The issue here is the insurance company changing their tiered system throughout the plan year. Mine had been doing that too. We are all screwed and it is the the result of the ACA. Companies can no longer charge what a service or product actually costs, they have to make up for losses on other items.

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 Yep.

My question is, Trump has said he would over turn ACA, but can that even be done at this point?

This is why private business should stay private and not made mandatory by law.

lilyofcourse wrote:

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I know what to do_sometimes wrote:

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The issue here is the insurance company changing their tiered system throughout the plan year. Mine had been doing that too. We are all screwed and it is the the result of the ACA. Companies can no longer charge what a service or product actually costs, they have to make up for losses on other items.

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 Yep.

My question is, Trump has said he would over turn ACA, but can that even be done at this point?

This is why private business should stay private and not made mandatory by law.

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 He said he would repeal it and replace it with a more suitable law.  Whatever that means.

I know what to do_sometimes wrote:

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lilyofcourse wrote:

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I'd like to see some of his plans. So far, it's all been just talk.

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 Well at least he will try. Any reform is going to take a long while to implement. If Hillary gets in, she will finalize the intent and turn it into a government run system.

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 I'm for Trump.

But I have serious doubts about him, too.

I don't believe he is going to do as much as people would like to think.

I think he is a lot of hot air.

He isn't presenting any real plans.

Honestly, I'm wondering if we are missing something important and being distracted with the smoke and mirrors.

lilyofcourse wrote:

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And it's already a government run system.

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 At least the doctor's and nurses are privately employed.

jlbear71 wrote:

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Hypothetically, I will gladly ship my unopened box of Epi pens that expire in January (I think) to a peep in need. I just need an address. I never even opened to read the instructions.

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 I have about twenty of them.  Hypothetically, I would do the same.

I know what to do_sometimes wrote:

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lilyofcourse wrote:

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And it's already a government run system.

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 At least the doctor's and nurses are privately employed.

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 Or are they...dundundunnnn 

just Czech wrote:

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And remember, your premiums will increase 25% next year. All due to insurance companies dropping out of the ACA.

LL, we are having the same problems. Sigh

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 Depends on what state you live in. Indiana's costs are going down by 3%. 

Mellow Momma wrote:

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just Czech wrote:

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And remember, your premiums will increase 25% next year. All due to insurance companies dropping out of the ACA.

LL, we are having the same problems. Sigh

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 Depends on what state you live in. Indiana's costs are going down by 3%. 

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 Ummm, where are you getting that?

From the Indiana Business Journal - 

Individual health insurance costs are expected to climb across Indiana in 2017 as insurers continue to grapple with rising health care expenses and a market that was only recently overhauled by the federal Affordable Care Act.

Many who purchase coverage through insurance exchanges created under the law are eligible for subsidies or tax credits to offset rising costs. But those who make too much money to qualify for federal help will have to pay the full price of coverage—an amount that could nearly double in some cases. That could spell a steep increase for a group of consumers that can include small-business owners who haven't set up coverage through work, early retirees, and people who can't get coverage through a spouse's employer.

Anthem, one of Indiana's largest insurers, is seeking premium hikes ranging from nearly 20 percent to 41 percent for coverage it sells on and off the Affordable Care Act's public insurance exchanges. That would mean an average increase of about 29 percent, under a rate request the state's Department of Insurance has until Aug. 23 to approve.

The company covers fewer than 100,000 people with individual insurance plans sold both on and off the exchange in Indiana, spokesman Tony Felts said. That's a small part of the company's 3.5 million customers statewide, many of whom get insurance through their employer.

Felts said Anthem is seeking the premium hikes mainly due to factors not unique to Indiana: people are using more medical services; drug costs, especially for specialty medicines, have climbed; and an ACA reinsurance provision that helped insurers pay for large claims is going away.

Other insurers—including IU Health Plans, Care Source Indiana and MDwise Marketplace—are seeking smaller average increases that range from about 10 percent to about 15 percent. Physicians Health Plan of Northern Indiana, a small insurer, is seeking a 25 percent average rate increase.

Jonathan Mayo, a broker for Gregory & Appel in Indianapolis, is worried about the premiums some of his customers may see for 2017.

"I think it's going to be ugly," he said.

Industry watchers say one reason for the increases is that temporary government programs designed to provide financial support to insurers are ending. On top of that, some insurers have pulled out of Indiana, reducing competition that can help keep premiums down. Others underpriced their plans in an attempt to capture market share, or failed to accurately anticipate the needs of their customer base.

"If somebody is coming to you with a 40 percent rate increase. ... usually it suggests the previous rates were underpriced or there was significant shift of people that caused those rates to be shifted," said David Axene, an insurance industry consultant, who added: "In trying to anticipate the future ... sometimes you come in low."

Health insurers have faced several challenges in building their exchange business. Their initial wave of customers generated higher-than-normal claims in part because some of the uninsured had not used the health care system for years and were waiting for coverage to help pay for needed care.

Insurers also have struggled in many markets to add younger consumers who don't use as much health care and could balance those more expensive patients. Insurers say they also have been hurt by expensive patients who sign up outside regular enrollment windows and later drop coverage after they have received care.

Axene said it's most important to focus on what an insurance plan costs, as opposed to the percentage a premium increases in a given year.

Contrasted with some other states, Indiana consumers are making out comparatively well.

A recent analysis of nine states by the consulting firm Avalere Health found that Indiana's average anticipated premium increases were on the low end. The most popular type of plan is expected to increase by about 6 percent for a 50-year-old male who is a non-smoker. Other mid-to-low range plans are expected to cost roughly the same or even decrease a fraction.

Lawyerlady wrote:

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Mellow Momma wrote:

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That's the thing...he won't be doing nothing. He will be causing chaos. He doesn't do nothing.

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 No, he won't.  He'll do what he does - he'll hire competent people to do the jobs that need doing.  You know, rather than Hillary doling those positions out to people she owes, whether she is qualified or not.

Hillary is bought and paid for.  Trump is not.  

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 Obama  care is a failure, it is collapsing  as we speak.  Hillary  called Obama care hillary  care and it will be more of the same under her. 

Mellow Momma wrote:

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That chart clearly shows that some states have a HUGE increase and some have a nominal increase or even a decrease. It all depends on how well the insurance companies predicted the average age and medical need of the population in the state that was uninsured and would sign up. If the insurance company predicted poorly they need to raise their rates to compensate for it. If they predicted well, they don't need to.

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 You are looking only at the Obamacare silver plan before subsidies.   If you look at the comment you quoted, she was talking about insurance premiums in general.  They are going UP A LOT and it's a direct result of having to deal with the ACA and its myriad issues.