General Discussion

Pretzel_Warrior

(8,361 posts)

98. your company is competing with other companies in the total compensation they offer--not exchanges

Mon Oct 7, 2013, 05:25 PM

Oct 2013

so the fact that your particular company chose to go with a plan that ends up with a deductible similar to a state exchange means nothing re: ACA.

Do you not understand the insurance companies bid on your company plan using a community rating. Putting all of your employees' healthcare situation into a community rating, they set premiums, etc. etc.

As someone else pointed out, good luck trying to find something in exchanges that even come close to matching your company's insurance. You'd have to pay the full premium--company would not pay the portion they do on your plan. And you'd be rated as an individual based on your age--no community rating.

I think you are over simplifying and playing right into medical insurance companies' hands of trying to blame THEIR greed and avarice on Obamacare.

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Our new huge insurance deductable, not good. [View all] edhopper Oct 2013 OP

can you not get healthcare handmade34 Oct 2013 #1

No subsidy if you are eligible for an employer sponsored plan. wercal Oct 2013 #6

I guess states are different handmade34 Oct 2013 #14

This message was self-deleted by its author lostincalifornia Oct 2013 #18

The ACA was written to prevent people who are already insured from entering the exchanges wercal Oct 2013 #42

This message was self-deleted by its author lostincalifornia Oct 2013 #49

Well here is my original statement wercal Oct 2013 #51

This message was self-deleted by its author lostincalifornia Oct 2013 #66

But it's defined - 9.5% of income for the wage earner Yo_Mama Oct 2013 #156

Let me rephrase that wercal Oct 2013 #31

This message was self-deleted by its author lostincalifornia Oct 2013 #16

You don't get the same choice everybody else does wercal Oct 2013 #35

This message was self-deleted by its author lostincalifornia Oct 2013 #50

You can get a subsidy *if*.... Roland99 Oct 2013 #22

The employer sponsored plan also must SheilaT Oct 2013 #70

Sorry DUers But my Rates are EXPLODING under Obama care. It really hurts in the pocket book. Bo Oct 2013 #130

BUT you have a maximum out of pocket... VanillaRhapsody Oct 2013 #2

Not saying it doen't help edhopper Oct 2013 #27

If its helping...its not hurting you... VanillaRhapsody Oct 2013 #44

It will probably be a edhopper Oct 2013 #79

Its a "net benefit" to you too... VanillaRhapsody Oct 2013 #81

As a bystander - you should be more calm in this situation. You aren't coming off very well. DireStrike Oct 2013 #117

He or she cannot afford not to... VanillaRhapsody Oct 2013 #134

The sticker shock is going to hurt a lot more people, I'm afraid. duffyduff Oct 2013 #143

So what you are saying is you don't have coverage through ACA, but you are blaming ACA. stevenleser Oct 2013 #3

Exactly. HuckleB Oct 2013 #33

This is the PRIME opportunity for employers to radically downgrade the coverage they give to their stillwaiting Oct 2013 #37

This might well be true edhopper Oct 2013 #38

that is EXACTLY what you are doing... VanillaRhapsody Oct 2013 #45

You will be able to tell if your employer is cheapening out on your W-2 Trekologer Oct 2013 #67

LIke I said before I will pay more and get less under the new Obama Care Bo Oct 2013 #131

Companies will eventually force our elected officials to put in loopholes so they can gut their duffyduff Oct 2013 #144

this is happening all over the place lanlady Oct 2013 #172

+1 000 000 000 kestrel91316 Oct 2013 #72

This..... sobenji Oct 2013 #115

All policies are now regulated by the ACA...please read on... Barack_America Oct 2013 #153

"All policies are now regulated by the ACA" seems a huge stretch. stevenleser Oct 2013 #154

I'm not sure what you think I'm implying. Barack_America Oct 2013 #158

You don't go on the exchanges if you've got employer insurance already frazzled Oct 2013 #4

This message was self-deleted by its author lostincalifornia Oct 2013 #19

Yes, but it is unlikely to benefit anyone with employer-offered insurance frazzled Oct 2013 #29

This message was self-deleted by its author lostincalifornia Oct 2013 #56

Well then the exchange is the place to go frazzled Oct 2013 #68

This message was self-deleted by its author lostincalifornia Oct 2013 #76

are you sure about that? Pretzel_Warrior Oct 2013 #32

This message was self-deleted by its author lostincalifornia Oct 2013 #57

Not true leftstreet Oct 2013 #54

This message was self-deleted by its author lostincalifornia Oct 2013 #58

Yes it does leftstreet Oct 2013 #65

This message was self-deleted by its author lostincalifornia Oct 2013 #69

No subsidies, as has been pointed out to you leftstreet Oct 2013 #78

How is your employer sharp_stick Oct 2013 #5

The OP can't shop on the exchanges wercal Oct 2013 #8

Ah OK sharp_stick Oct 2013 #9

This message was self-deleted by its author lostincalifornia Oct 2013 #53

Ok, once again, here is my original statement: wercal Oct 2013 #84

This message was self-deleted by its author lostincalifornia Oct 2013 #116

There are many mandated coverages that are new, and yes, the costs for many plans are more Yo_Mama Oct 2013 #157

What does your employer based insurance have to do with the ACA? Capt. Obvious Oct 2013 #7

The major changes I have seen that affect all insurance: wercal Oct 2013 #10

Those are big fucking deals Capt. Obvious Oct 2013 #13

+1 HuckleB Oct 2013 #34

I don't know anything about the OP's insurance wercal Oct 2013 #41

The problem that you discuss isn't that the working 18 year old is hedgehog Oct 2013 #60

So do you see a world where nobody enters the workforce until age 26 coming in the future? wercal Oct 2013 #86

No - but the context implies that the child of the middle class office worker was going to school on hedgehog Oct 2013 #90

Can't afford/Don't want to go/Doesn't do well with academics, whatever wercal Oct 2013 #97

By the same token, why are the women in your company buying Viagra for the men, hedgehog Oct 2013 #107

None of the examples you cite involve somebody flat out being subsidized 100% wercal Oct 2013 #110

Coverage of children til age 26 not 25. That extra year matters to a lot of us. canoeist52 Oct 2013 #17

OK I meant 25 y/o were covered. wercal Oct 2013 #26

Plus VanillaRhapsody Oct 2013 #46

How is your employer based insurance under ACA? sinkingfeeling Oct 2013 #11

Many plans charge only a $20 or $25 copay for in-network office visits Nye Bevan Oct 2013 #12

The deductible only kicks in for me in the case of major medical care, which I haven't needed. bluestate10 Oct 2013 #137

This message was self-deleted by its author lostincalifornia Oct 2013 #15

my thought too handmade34 Oct 2013 #20

This message was self-deleted by its author lostincalifornia Oct 2013 #23

Vermont is a mess handmade34 Oct 2013 #40

This message was self-deleted by its author lostincalifornia Oct 2013 #74

There is a glitch with that in some cases Mojorabbit Oct 2013 #61

This message was self-deleted by its author lostincalifornia Oct 2013 #21

Your rates and premiums are not impacted by the ACA. riqster Oct 2013 #24

There is a big donut hole JPZenger Oct 2013 #25

My point is that if you are not buying insurance on tbe exchanges, riqster Oct 2013 #28

There are aspects of ACA that affect everyone's premium wercal Oct 2013 #43

And wrong to assert they exist while not listing any. nt gulliver Oct 2013 #145

I've polluted this thread with wercal Oct 2013 #146

Well I do see a lot of assertions repeated. gulliver Oct 2013 #147

There are 10 essential benefits necessary to every plan that only half used to cover. dkf Oct 2013 #123

This is deliberately mis-leading, and should be edited, You are blaming th ACA for your employer's Ikonoklast Oct 2013 #30

The NY State Exchanges edhopper Oct 2013 #36

The exchange is for people who ProSense Oct 2013 #39

This message was self-deleted by its author lostincalifornia Oct 2013 #55

If an employer doesn't pay a portion, it's ProSense Oct 2013 #64

This message was self-deleted by its author lostincalifornia Oct 2013 #73

I am sure that you would be the one best qualified to answer this but grantcart Oct 2013 #48

Lol! PotatoChip Oct 2013 #96

Oh! edhopper Oct 2013 #104

I am sure that you noticed changes in your employer's plans every year before ACA. grantcart Oct 2013 #47

Where did you get these numbers from? Motown_Johnny Oct 2013 #52

Bronze, Silver, Gold is ACA. Lex Oct 2013 #59

This new deductible is something your employer insurance decided to do-- pnwmom Oct 2013 #62

That may be so, but . . . markpkessinger Oct 2013 #77

By 2018 many employers will have to make adjustments leftstreet Oct 2013 #83

And these new, higher deductibles . . . markpkessinger Oct 2013 #85

Oh yeah leftstreet Oct 2013 #103

wrong. you are plain wrong. MANNNNNY companies--even big companies have been moving Pretzel_Warrior Oct 2013 #91

And many employers have NOT gone to such high deductibles . . . markpkessinger Oct 2013 #92

no. it is your supposition. Some large employers offer multiple levels of insurance Pretzel_Warrior Oct 2013 #94

So my insurance edhopper Oct 2013 #95

your company is competing with other companies in the total compensation they offer--not exchanges Pretzel_Warrior Oct 2013 #98

I still support the ACA overall edhopper Oct 2013 #102

I understand. That is why we must PUSH our Dems to make what would seem like radical Pretzel_Warrior Oct 2013 #105

Medicare for all edhopper Oct 2013 #108

If the ACA limits profits, then there really isn't any greed Travis_0004 Oct 2013 #151

The reality of the matter pnwmom Oct 2013 #138

I am certain we will hear plenty of anecdotes from people who had a better hedgehog Oct 2013 #63

Is the cost over 9-1/2% of your household income? If so you can use the exchanges. nt DevonRex Oct 2013 #71

My overall costs will exceed that edhopper Oct 2013 #89

I have a furloughed federal employee working on this right now. DevonRex Oct 2013 #113

Thanks for the offer edhopper Oct 2013 #126

"What if I have job-based Insurance?" DevonRex Oct 2013 #132

Not true. The 9.5% applies to the employee alone. Barack_America Oct 2013 #152

Your employer changed the plan karynnj Oct 2013 #75

Employer ACA changes won't kick in til 2018 leftstreet Oct 2013 #80

? DireStrike Oct 2013 #119

I didn't post to 'counter' the statement leftstreet Oct 2013 #120

Understood. -nt- DireStrike Oct 2013 #121

Yes. Sounds like the employer purposely shifted to a lower level plan, for example a Bronze bluestate10 Oct 2013 #139

Even before ACA started, many companies moved in this direction karynnj Oct 2013 #168

You can think that a major accident or illness is not going to bankrupt you Warpy Oct 2013 #82

That's all well and good, but . . . markpkessinger Oct 2013 #122

if all else fails, contact the manufacturer directly Warpy Oct 2013 #125

Health insurance is all about risk estimation. bluestate10 Oct 2013 #140

Unfortunately, it's people 50 and up who will likely have to choose it Warpy Oct 2013 #149

This message was self-deleted by its author CreekDog Oct 2013 #87

EDIT YOUR POST! You've been corrected by many in the thread Pretzel_Warrior Oct 2013 #88

done edhopper Oct 2013 #93

thank you Pretzel_Warrior Oct 2013 #101

Sorry to hear this Puzzledtraveller Oct 2013 #99

You have to ask yourself whether your deductibles would have gone up anyway. JDPriestly Oct 2013 #100

Probably some edhopper Oct 2013 #106

Mine went up by a lot too, and Social Security has not gone up commensurately. JDPriestly Oct 2013 #112

ALL. You company made a decision to have you foot the more of bill for your health care. bluestate10 Oct 2013 #142

Health insurance companies suck. Laelth Oct 2013 #109

I'm waiting to hear from my company. SlipperySlope Oct 2013 #111

Are greedy companies playing into the hands of Single Payer? Blue Idaho Oct 2013 #114

Do you have a union? Any leverage with your employer? DireStrike Oct 2013 #118

No I don't edhopper Oct 2013 #129

That happened to us last year BEFORE the ACA. haele Oct 2013 #124

You can think what we all think--it's a lousy plan and the best we could expect Warpy Oct 2013 #127

I am in the same boat. MadrasT Oct 2013 #128

I've never heard of $900/YR DEDUCTIBLE. our family deductible has always been 3-6,000 barbiegeek Oct 2013 #133

Well, I've registered 3 times, with my 3 different emails (home, work and kid's) Myrina Oct 2013 #135

Blame your employer. The employer is shifting more of the cost of your health insurance bluestate10 Oct 2013 #136

Exactly! mimi85 Oct 2013 #141

This is not always true. Travis_0004 Oct 2013 #155

Well it looks like you've taken a leap of logic on this one. gulliver Oct 2013 #148

it will be edhopper Oct 2013 #150

Ed, perhaps, you can arrange a compromise with your employer. JNinWB Oct 2013 #160

My insurance premiums AND deductibles have been jumping every year Lex Oct 2013 #161

so you had your deductible edhopper Oct 2013 #162

Yes over the course of a few years. Now my deductible is 5K. Lex Oct 2013 #163

wow edhopper Oct 2013 #165

In 2008, I paid $210 a month for 3 people, and had a deductable of $2500. haele Oct 2013 #164

our plan edhopper Oct 2013 #166

Sounds like your plan is a catastrophic plan or a "health coupon" plan like they advertise on TV. haele Oct 2013 #170

If it's "employer-based," it's NOT "Obamacare"…! regnaD kciN Oct 2013 #159

My deductible went up from $3K annually to aznativ Oct 2013 #167

You would still likely pay more in taxes for Single Payer than you are paying now. cbdo2007 Oct 2013 #169

Premuim plus deductible plus copay = edhopper Oct 2013 #173

emploers getting shittier plans has nothing to do with the ACA. i just came from a company dionysus Oct 2013 #171

We need SINGLE PAYER...NOW! Mellow Drama Oct 2013 #174