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Wed Jan 9, 2013, 01:39 PM

My Health Insurance just went up 18.4%.

Blue Shield CA. What, if anything, will change in 2014?

11 replies, 971 views

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Arrow 11 replies Author Time Post
Reply My Health Insurance just went up 18.4%. (Original post)
savalez Jan 2013 OP
MoonchildCA Jan 2013 #1
savalez Jan 2013 #2
savalez Jan 2013 #3
HiPointDem Jan 2013 #8
MoonchildCA Jan 2013 #11
MoonchildCA Jan 2013 #4
1StrongBlackMan Jan 2013 #5
savalez Jan 2013 #10
discopants Jan 2013 #6
kestrel91316 Jan 2013 #7
Recursion Jan 2013 #9

Response to savalez (Original post)

Wed Jan 9, 2013, 01:54 PM

1. You will be subsidized.

Unless you make almost six figures.

Here is a calculator that should give you a rough idea of what you will be paying:
[link:http://healthreform.kff.org/subsidycalculator.aspx|

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Response to MoonchildCA (Reply #1)


Response to MoonchildCA (Reply #1)

Wed Jan 9, 2013, 02:08 PM

3. Thanks.

In the calculator, the "Unsubsidized health insurance premium in 2014" seems high. How did they come up with that amount?

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Response to MoonchildCA (Reply #1)

Wed Jan 9, 2013, 03:00 PM

8. so his health insurance went up 20% & he'll get a 20% subsidy?

 

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Response to HiPointDem (Reply #8)

Wed Jan 9, 2013, 03:23 PM

11. Well, I guess that depends on his income, doesn't it?

I believe you are not required to may more than 10% of your income, and many pay less.

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Response to savalez (Original post)

Wed Jan 9, 2013, 02:29 PM

4. It seems the got the numbers...

... from the Congressional Budget Office. They are just based on estimates for what they consider "silver plan" coverage. Premiums will vary by the type of coverage chosen. You can read more in the "Notes" section on that same page.

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Response to savalez (Original post)

Wed Jan 9, 2013, 02:37 PM

5. Is the insurance employer provided?

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Response to 1StrongBlackMan (Reply #5)

Wed Jan 9, 2013, 03:23 PM

10. Nope.

Paid for by Me, Myself and I, Inc.

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Response to savalez (Original post)

Wed Jan 9, 2013, 02:43 PM

6. Anthem Blue Cross went up too

I just had to double my deductible to keep the same premium. Looks like Blue Cross is gouging their customers to the last minute. A few additional services are now covered that weren't previously, I bet it's the Afforable Care Act that did that. I'm waiting for next year when California offers buy-in to their exchange.

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Response to savalez (Original post)

Wed Jan 9, 2013, 02:59 PM

7. If your income is below a certain level you can buy insurance on the exchanges AND

qualify for premium subsidies. If you make more than 400% of the federal poverty level you're screwed with your existing policy, but I assume you could drop it and buy a better one on the exchanges, and it will HAVE to cover preexisting conditions and preventive care.

Existing policies will be able to get away with all sorts of crap. NOT new policies.

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Response to kestrel91316 (Reply #7)

Wed Jan 9, 2013, 03:02 PM

9. You can drop it if it's over 9% of your income after subsidies

If it's 9% or less, and you don't take it, you can't participate in an exchange and you will eventually pay a tax penalty.

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