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State by State O-Care chart on premiums--will your premiums go up or down?

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  • State by State O-Care chart on premiums--will your premiums go up or down?

    This is from a study from the Heritage foundation. Of course all premiums have gone up due to the Obamacare mandates--but it tells which states have been hit the hardest--what you're going to have to expect in a monthly premium as to what you may be paying now.

    Enrollment in Obamacare’s health insurance exchanges has proven to be a somewhat difficult process amidst technical glitches and delays. Aside from the issues associated with actually purchasing health care, once an individual gets a quote for health insurance on an exchange, is the premium higher or lower than before?

    Our research finds that for many states, the insurance on health exchanges will cost more than existing insurance. This study illustrates that the general experience for individuals shopping on the exchange is that of increasing premiums from what was available to them prior to implementation of the exchanges. Many families and individuals will face this reality as they apply for coverage, and the implications of experiencing sticker shock are important to consider if enough people choose not to sign up for coverage for various reasons.

    Individuals in most states will end up spending more on the exchanges. It is true that in some states, the experience could be the opposite. This is because those states had already over-regulated insurance markets that led to sharply higher premiums through adverse selection, as is the case of New York. Many states, however, double or nearly triple premiums for young adults. Arizona, Arkansas, Georgia, Kansas, and Vermont see some of the largest increases in premiums.[5]

    The Obama Administration is desperate for younger people to enroll to prevent an adverse selection death spiral. As pointed out by Sam Cappellanti at the American Action Forum, “The enrollment of these low cost young adults…is essential as they are required to subsidize the costs of insuring the elderly and chronically ill.”[6] However, young adults face a penalty for not enrolling that is projected to be far less than the insurance coverage they could receive.

    Our findings confirm that younger populations see larger percentage increases in premiums. A state that exhibits this clearly is Vermont, where the increase for 27-year-olds is 144 percent and the increase for 50-year-olds is still 60 percent, but far less. All states exhibit this relationship.

    Many individuals will experience sticker shock when shopping on the exchanges. It is clear that many policies and cross-subsidization within Obamacare will lead to upward shifts in premiums. These policies include the health insurance tax, essential health benefit and actuarial value regulations, less allowed age variability in premiums, community rating, and guaranteed issue.[7] However, real uncertainty, amidst a rocky start, surrounds what enrollment will look like in the exchanges.

    Fantasy Savings
    Obamacare will leave many people paying more for their health insurance. The healthcare.gov website is learning to crawl, with additional data trickling in. However, based on information already released by HHS, states, and insurance plans, the claims of savings on premiums for the average participant is a fantasy.
    You can read more on how they came to their conclusions and a clearer view of the below chart here.
    Enrollment in Obamacare Exchanges: How Will Your Health Insurance Fare?

    Last edited by Chloe; 02-06-2014, 12:20 PM.

  • #2
    Re: State by State O-Care chart on premiums--will your premiums go up or down?

    BTW--I didn't mean to post 2 charts--tried to delete it--but for some reason cannot delete the bottom chart. If one of our polite and friendly moderators can do it that would be great. Sorry and Thanks at the same time to you.

    מה מכילות החדשות?


    • #3
      Re: State by State O-Care chart on premiums--will your premiums go up or down?

      Aww, you are an angel (if only all our posters were as sweet / understanding). The bottom one is an attachment so i am not sure if posters have the permissions to inline edit, but i'll take it the attachment out and add that function for contributing members.

      מה מכילות החדשות?


      • #4
        Re: State by State O-Care chart on premiums--will your premiums go up or down?

        I wonder how businesses, especially the larger ones with a large workforce, will fare. That chart, if I understand it correctly, is for the individual insurance market, and not the employer insurance market.

        I keep thinking that the larger companies are going to try and push the insurance companies to maintain the same cost structure they had last year, realizing that should the costs hit the employees too hard, the employees will all be trooping into the managers office and start asking for raises to off set the additional costs inflicted on them.

        מה מכילות החדשות?


        • #5
          Re: State by State O-Care chart on premiums--will your premiums go up or down?

          Originally posted by eohrnberger View Post
          I wonder how businesses, especially the larger ones with a large workforce, will fare. That chart, if I understand it correctly, is for the individual insurance market, and not the employer insurance market.

          I keep thinking that the larger companies are going to try and push the insurance companies to maintain the same cost structure they had last year, realizing that should the costs hit the employees too hard, the employees will all be trooping into the managers office and start asking for raises to off set the additional costs inflicted on them.
          As you're probably aware--employers 50 or more employees are required to pay for their employees O-care. I don't think most small business in this country meet that criteria--so their employees will be forced onto the exchanges and will have to abide by the charts within. However, those with 50 or more employees are already reacting negatively to these mandates. Either by forced lay-offs--and the most used now--turning full time employees into part-time--(no more than 29 hours per week) because at 30 hours per week they are required to pay.

          But in answer to your question--regarding what's happening to employees that already have insurance through their companies. Here it is:

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          • #6
            Re: State by State O-Care chart on premiums--will your premiums go up or down?

            I don't understand where all the liberal comments are? What have they given up on defending Obamacare? I guess when something like this has turned out to be such a disaster to average Americans--there is no more defending it.

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            • #7
              Re: State by State O-Care chart on premiums--will your premiums go up or down?

              Originally posted by Oreo View Post
              I don't understand where all the liberal comments are? What have they given up on defending Obamacare? I guess when something like this has turned out to be such a disaster to average Americans--there is no more defending it.
              I figure they know they screwed the pooch on this one, that is was sold on a bunch of lies, and they don't want to take the heat for it.

              T believe that it's Obama defense fatigue. That may also be part of it.

              I also figure that most have returned under the rocks from which they came from, as well as the liberal echo chambers from which they came from, to have their ideology reenforced once again, now that it's taken such a hard knock against reality.

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              • #8
                Re: State by State O-Care chart on premiums--will your premiums go up or down?

                Welcome to my nightmare, I live in GA (one of the higher percentage jumps in that chart.) I know of no one that is paying less now for healthcare than before ACA, not a single person using the exchanges or going through policy offerings from their existing healthcare insurance companies. Because of how many ACA is putting GA Medicaid we are now looking at a deficit in the $300 - $400 million range for this year, and will now eclipse 18% of our total budget.

                Thanks Obama...

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                • #9
                  Re: State by State O-Care chart on premiums--will your premiums go up or down?

                  Originally posted by Sluggo View Post
                  Welcome to my nightmare, I live in GA (one of the higher percentage jumps in that chart.) I know of no one that is paying less now for healthcare than before ACA, not a single person using the exchanges or going through policy offerings from their existing healthcare insurance companies. Because of how many ACA is putting GA Medicaid we are now looking at a deficit in the $300 - $400 million range for this year, and will now eclipse 18% of our total budget.

                  Thanks Obama...
                  In the words of Nancy Pelosi "Embrace the Suck" (of ObamaNomics and ObamaRegulation Nation)

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                  • #10
                    Re: State by State O-Care chart on premiums--will your premiums go up or down?

                    Originally posted by eohrnberger View Post
                    In the words of Nancy Pelosi "Embrace the Suck" (of ObamaNomics and ObamaRegulation Nation)
                    I say we put Pelosi in charge, it should escalate the implosion of this nation to all happening inside of a single Presidential term.

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                    • #11
                      Re: State by State O-Care chart on premiums--will your premiums go up or down?

                      Originally posted by Sluggo View Post
                      I say we put Pelosi in charge, it should escalate the implosion of this nation to all happening inside of a single Presidential term.
                      Sluggo, do we really have to go through that? I'd rather skip the implosion part, really.

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                      • #12
                        Re: State by State O-Care chart on premiums--will your premiums go up or down?

                        Originally posted by eohrnberger View Post
                        Sluggo, do we really have to go through that? I'd rather skip the implosion part, really.
                        The collision course we are on with fiscal and social reality tells me we have almost no choice now. It will happen at some point, and it will be spectacularly catastrophic when it happens.

                        Were we not just looking in another thread about how ACA is being championed as a mechanism for people to decide "not to work?" And here we have a chart illustrating well what happens when you increase the numbers who do not work and shift the costs on to those that do.

                        That is all this is. Increasing healthcare coverage by bringing more into the system at a rate supplemented by everyone else already in the system. There are all of 4-5 states in that chart that have a negative number, everyone else shot up to handle those brought into the system. It is a microcosm of where we are headed, more into a system of dependence and the expense of a decreasing population of supporters. That will crash... it is just when that is up for debate.

                        It sucks, but it is true.

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                        • #13
                          Re: State by State O-Care chart on premiums--will your premiums go up or down?

                          Originally posted by Sluggo View Post
                          The collision course we are on with fiscal and social reality tells me we have almost no choice now. It will happen at some point, and it will be spectacularly catastrophic when it happens.

                          Were we not just looking in another thread about how ACA is being championed as a mechanism for people to decide "not to work?" And here we have a chart illustrating well what happens when you increase the numbers who do not work and shift the costs on to those that do.

                          That is all this is. Increasing healthcare coverage by bringing more into the system at a rate supplemented by everyone else already in the system. There are all of 4-5 states in that chart that have a negative number, everyone else shot up to handle those brought into the system. It is a microcosm of where we are headed, more into a system of dependence and the expense of a decreasing population of supporters. That will crash... it is just when that is up for debate.

                          It sucks, but it is true.
                          I hope to be dead when it happens. I want none of it.

                          מה מכילות החדשות?


                          • #14
                            Re: State by State O-Care chart on premiums--will your premiums go up or down?

                            It looks like red states took the brunt of the increases, the blue states stayed more neutral, and the swing states are most likely to have lower premiums. I wonder if this is by design.

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                            • #15
                              Re: State by State O-Care chart on premiums--will your premiums go up or down?

                              Originally posted by Texan View Post
                              It looks like red states took the brunt of the increases, the blue states stayed more neutral, and the swing states are most likely to have lower premiums. I wonder if this is by design.
                              Hmm. Interesting that.

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