2014 Health Insurance Rates- What is your increase?

Discussion in 'Too Hot for Swamp Gas' started by gatordowneast, Sep 22, 2013.

  1. gatordowneast
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    gatordowneast Well-Known Member

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    We just received our new rates from United Health Care for 2014. Small Biz plan. Our rate increase will be 18.7% for 2014 over 2013. Our rate increases for 2013 and 2012 were 13% for 2013 and 9% for 2012. I thought our per family costs were going down by $2500 with Obamacare. Looks like on average, they will have gone up approximately $5 K annually since passage. How can this be?
  2. corpgator
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    corpgator Well-Known Member

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    Maybe you can do better on the exchange?

    Looks like united is overcharging a lot, though. They are basically taking your money, earning interest on it and then sending it back to you at the end of the year because of the 80/20 rule that they must spend 80% of your premium on healthcare. To my mind, that should be 90%.

    United overcharged by $23 million for their small business plans in Florida in 2013.
    http://yourhealthsecurity.org/health-insurance-refund-list-2011#florida

    Did you get a refund check in 2012 for 2011. Did you get one yet this year for 2013?
  3. gatordowneast
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    gatordowneast Well-Known Member

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    Yes, did get a refund check in both years. It was probably about 3% of premiums paid. So, about 50% of a typical monthly premium. Negligible.
  4. QGator2414
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    QGator2414 VIP Member

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    They did not overcharge anything. Good grief the liberal mindset...

    How well do you think you could calculate the cost of regulations and mandates these companies are forced to deal with. They are having to create new policies that meet these new regulations and mandates. On top of that these companies run 4%ish margins and because of some new policy they all of a sudden are overcharging?

    How about getting government out of the way and then we can see e market work properly.

    Oh yes I got a 2% return check last year. And guess what? If we allowed the free market to work BCBS would use that buffer to get more competitive vs promoting a bunch of liberals ignorance in a quasi fascist system...
  5. HallGator
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    HallGator Administrator VIP Member

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    If you asked who I trusted more, insurance companies or the government, it would be a hard pick.
  6. corpgator
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    corpgator Well-Known Member

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    Insurance by its very nature is a socialist system. You are paying for your neighbor's disaster in the expectation that they will some day pay for yours should you ever have one.
  7. QGator2414
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    QGator2414 VIP Member

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    Well considering they are basically one in the same now... :)
  8. QGator2414
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    QGator2414 VIP Member

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    I had no idea that one is forced to buy a product or "insurance" just for being alive. Oh wait the the statist out there decided otherwise...
  9. HallGator
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    Not so sure they don't like it that way. I am far from convinced they are not going to come out of all of this in better shape than they were going in.
  10. QGator2414
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    QGator2414 VIP Member

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    No doubt. The more fascist the system the better off they will be.

    They being government and insurance companies.
  11. chompalot
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    chompalot Well-Known Member

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    What is best for the country is what should matter here. The anecdotal evidence, especially in California seems to suggest that insurance rates will come down as a result of this law.
  12. QGator2414
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    QGator2414 VIP Member

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    smh!

    You can't make this nonsense up. Hope you and your neighbor are not he ones dealing with hours and benefits being cut.

    On top of that. There is nothing good about the mindset of thinking you have a right to someone else's life (yes I am assuming you are a single payer supporter/I might be wrong but the typical supporter of this teavesty is). I am sure you are for nationalizing the construction industry as well to provide adequate shelter at a cheaper cost to everybody. :smoke:
  13. chompalot
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    chompalot Well-Known Member

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    Businesses will need workers. If they cut hours they won't be able to compete for them.

    On the question of nationalizing construction companies, that's a big no. However, I do think that we ought to have national funding available for construction companies to rebuild our infrastructure. I do realize that such an idea of using public money in this way might be an anathema to the staunchest political ideologues, but what an idealogue thinks is often not be good for America.

    As far as providing adequate shelter at a cheaper cost, I'm all for that...just wish there was an acceptable way to come to an agreement on how to do this.
  14. JerseyGator01
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    JerseyGator01 Well-Known Member

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    All I know is my favorite drug ever, my cancer drug, will cost $75K over 10 months without any discounts or outside help. Fat white bureaucrats in healthcare ROCK!
  15. chompalot
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    chompalot Well-Known Member

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    Nothing to do with big pharma, huh?
  16. gatordowneast
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    gatordowneast Well-Known Member

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    Q, arguing with a libbie is like reasoning with a 3 year old. Good luck with that. Don't you realize, it is your responsibility and mine to pay for other people's food, clothing, shelter, cell phone, health care and retirement?
  17. demosthenes
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    demosthenes Well-Known Member

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    18.2% over 2013.
  18. chompalot
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    chompalot Well-Known Member

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    Covering the most citizens and at a lower cost should be the overriding consideration for our nation. It's the logical choice.
  19. gatordowneast
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    gatordowneast Well-Known Member

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    I get the covering more citizens but the cost is never lower. Ask Massachusetts? Highest insurance rates in the country and if one lives in Boston and calls for an appointment with a family doctor, the average wait for an appointment is 30 days.
  20. QGator2414
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    QGator2414 VIP Member

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    Awesome!

    Government can make healthcare cheaper but not construction...

    Love your selective selfishness of others lives.

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