Does health insurance increase when you use it?

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Originally Posted By: 02SE

Keep spinning it..

The ONLY thing that changed is worse coverage, for much more money.

I get the fact that you have some goal of defending the indefensible.

I simply posted my experience, and a few others here have posted a similar experience, too.

"We need to to pass this bill, to find out what's in it.." That gem was said with a straight face too.

So keep making excuses. There are people that know Obamacare is a failure.


Like I said, some people were made winners and other losers. I guess you were one of the losers. I'm not defending it, just trying to explain it. You still haven't provided any numbers. You also have some ax to grind also, but can't really make your point as you provide no detail so it's a worthless opinion. Your opinion about worse coverage isn't based on the facts. You can say whatever you like, but you have no facts to back up your assertions. For instance, I'm not really sure how you quantify worse coverage for much more money. What coverage did you have in your previous plan that doesn't exist now vs the extra benefits that are now mandated? Also what state are you in? Like I said before, premiums in some rural states went up do to lack of competition and higher costs due to the remoteness of hospitals. We don't even know if you have an individual plan or an employer plan, lots of stuff done by employers to shift costs onto employees. And if you have a gold plan vs a bronze plan in the individual markets that can also account for higher premiums. Then you could go on about HSA accounts etc.

But just saying things are worse and cost more money doesn't really add anything to the discussion and your assertion of 4x the cost isn't really believable without any data to back it up. The cost of healthcare has exceeded inflation for years and still hasn't really slowed down that much so it's obvious that it's always going to be more money every year and as you get older the costs also increase so it will always be more expensive over the next 5-10 years until you hit 65.
 
Originally Posted By: Wolf359
Originally Posted By: 02SE

Keep spinning it..

The ONLY thing that changed is worse coverage, for much more money.

I get the fact that you have some goal of defending the indefensible.

I simply posted my experience, and a few others here have posted a similar experience, too.

"We need to to pass this bill, to find out what's in it.." That gem was said with a straight face too.

So keep making excuses. There are people that know Obamacare is a failure.


Like I said, some people were made winners and other losers. I guess you were one of the losers. I'm not defending it, just trying to explain it. You still haven't provided any numbers. You also have some ax to grind also, but can't really make your point as you provide no detail so it's a worthless opinion. Your opinion about worse coverage isn't based on the facts.


I don't need you to "explain" it. Your assumptions are wrong, and continue to be wrong.

It's not my "opinion" that my coverage is worse. It IS a fact. I've gone over both my previous coverage, and my current coverage with a fine tooth comb. I've had my Attorney do so too.

You just don't want to acknowledge that it could be worse, so you continually ignore what I have said, or dismiss it as not factual. I don't have access to my policies (past and present) as I sit here and type this on my phone, but rest assured both have been gone over in detail. Even if I did have access to my policies, I wouldn't post them on the WWW. Maybe you'd like my full name, address, Social Security Number, and maybe my bank accounts while we're at it..

You have become a waste of my time. You are condescending, and you've essentially called my a liar.

The bottom line is that my coverage is worse under Obamacare, and far more expensive. That is a fact.
 
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Originally Posted By: 02SE
Originally Posted By: Wolf359
Originally Posted By: 02SE
My health insurance premiums were pretty steady for years, before Obamacare was forced upon us. Since then, despite being lied to that "If you like your health insurance, you can keep your health insurance" I was forced to go to another plan. My premiums have increased dramatically, (about fourfold) my coverage has gotten worse, my Doctor retired early because he was being compensated at a much lower rate than before. To make matters worse, I was told essentially that I was now basically subsidizing the lower premiums of others..


The only reason you were forced to go to another plan was because your old plan didn't have the benefits mandated by the ACA. It was 4x cheaper because it had less coverage. You're also subsidizing the premiums of the sick. Before they were kicked off the plans so that everyone's premiums could stay low. Now they can't do that.


You keep saying that, but you are WRONG. I have LESS coverage now, but at four times the cost of my old, BETTER coverage. So keep trying to spin it, but I'm not the only person by far that has been screwed over by Obamacare. I have numerous friends and colleagues with similar stories to mine.

Our mistake was working hard, and having some success. Clearly, we needed to be brought down a peg by the Socialist Obama regime. A little wealth re-distribution in action.


Unfortunately Obozo made it that millions across the USA have to choose between paying for unaffordable family healthcare.... or paying their mortgage.
smirk.gif


This idiot just made it 'better' through his hope & change bull **** scheme.
smirk.gif
 
We need to get healthy people roped into the healthcare debate, for real reform.

Hooray, it's working!

Ya gotta start, to finish.
 
Originally Posted By: 02SE
Originally Posted By: Wolf359
Originally Posted By: 02SE

Keep spinning it..

The ONLY thing that changed is worse coverage, for much more money.

I get the fact that you have some goal of defending the indefensible.

I simply posted my experience, and a few others here have posted a similar experience, too.

"We need to to pass this bill, to find out what's in it.." That gem was said with a straight face too.

So keep making excuses. There are people that know Obamacare is a failure.


Like I said, some people were made winners and other losers. I guess you were one of the losers. I'm not defending it, just trying to explain it. You still haven't provided any numbers. You also have some ax to grind also, but can't really make your point as you provide no detail so it's a worthless opinion. Your opinion about worse coverage isn't based on the facts.


I don't need you to "explain" it. Your assumptions are wrong, and continue to be wrong.

It's not my "opinion" that my coverage is worse. It IS a fact. I've gone over both my previous coverage, and my current coverage with a fine tooth comb. I've had my Attorney do so too.

You just don't want to acknowledge that it could be worse, so you continually ignore what I have said, or dismiss it as not factual. I don't have access to my policies (past and present) as I sit here and type this on my phone, but rest assured both have been gone over in detail. Even if I did have access to my policies, I wouldn't post them on the WWW. Maybe you'd like my full name, address, Social Security Number, and maybe my bank accounts while we're at it..

You have become a waste of my time. You are condescending, and you've essentially called my a liar.

The bottom line is that my coverage is worse under Obamacare, and far more expensive. That is a fact.


They're assumptions because you refuse to explain why. And if you just read my actual posts, I did mention that it's worse for some people, better for others. I find it hard to believe that it's really 4x worse. But you refuse to explain it so I'm not a fan of belief without proof as much of the data out there doesn't really support your position. You may just be part of the bell curve where you're at the extreme end of things. And yes, until you can provide some more details, I'm inclined to believe you're exaggerating things, it's a very common trait of people who make outrageous claims and then refuse to back any of them up. For instance if your old plan was better, I find it hard to believe that plan that covered pre-existing conditions and allowed children up to 26 to be on their parent's insurance and had even more benefits than that and that it was discontinued. Of course if it was that much better, maybe it lost too much money so would have imploded regardless of what happened with ACA. It just doesn't add up and you provide no explanations. You may be telling the truth, but usually it helps your position if you provide details. I've read these claims in a few other forums and usually no one ever provides details making me very suspicious of those who make these claims. On the other hand, those who were in line with the national average say it's in line with what has been reported. For instance, I've had an individual plan for the last several years before ACA and my premiums went down once it passed although in the last year it did go up about 20% but now it's back to where it was before ACA. But there was no 4x increase or even 100% increase for me.
 
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