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SpartanDem Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Nov-10-09 01:05 PM
Response to Reply #15
21. Section 213
Edited on Tue Nov-10-09 01:08 PM by SpartanDem
So for example two 50 year olds, who live in the same area, no matter thier previous health conditions could not charged different prices.

SEC. 213. INSURANCE RATING RULES

In General- The premium rate charged for a qualified health benefits plan that is health insurance coverage may not vary except as follows:

(1) LIMITED AGE VARIATION PERMITTED- By age (within such age categories as the Commissioner shall specify) so long as the ratio of the highest such premium to the lowest such premium does not exceed the ratio of 2 to 1.

(2) BY AREA- By premium rating area (as permitted by State insurance regulators or, in the case of Exchange-participating health benefits plans, as specified by the Commissioner in consultation with such regulators).

(3) BY FAMILY ENROLLMENT- By family enrollment (such as variations within categories and compositions of families) so long as the ratio of the premium for family enrollment (or enrollments) to the premium for individual enrollment is uniform, as specified under State law and consistent with rules of the Commissioner.
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  -The Insurance "Industry" Doesn't Oppose This Health Care Reform Bill Truth2Tell  Nov-10-09 12:08 PM   #0 
  - HR 3962 was a HUGE win for the insurance industry. It's almost a dream bill for them.  Roland99   Nov-10-09 12:15 PM   #1 
  - Umm.. charging more based on health would be outlawed  SpartanDem   Nov-10-09 12:35 PM   #13 
  - Show me where it sets premiums as such. HR 3962 only prohibits limiting coverage for Pre-Ex.  Roland99   Nov-10-09 12:46 PM   #15 
  - Section 213  SpartanDem   Nov-10-09 01:05 PM   #21 
     - So they raise the lowest level and that makes the policies at twice that rate even higher.  Roland99   Nov-10-09 01:24 PM   #26 
        - That is where the medical loss ratio and the caps comes in  SpartanDem   Nov-10-09 01:58 PM   #27 
           - Your faith and trust runs way deeper than mine.  Roland99   Nov-10-09 02:34 PM   #29 
           - ...as well as his/her grasp of facts.  lumberjack_jeff   Nov-11-09 11:11 PM   #46 
           - The new medical loss ratio comes with the immediate caveat that the  ipaint   Nov-11-09 06:54 AM   #31 
  - You're way off base here. Good job at getting it wrong while calling someone else ignorant!  Romulox   Nov-11-09 08:07 AM   #35 
     - Okay. Set us straight.  lumberjack_jeff   Nov-11-09 11:14 PM   #47 
  - Correct you are! I give a C+ to dems for the house bill  Garam_Masala   Nov-11-09 05:56 PM   #43 
  - Yeah, they love  ProSense   Nov-10-09 12:16 PM   #2 
  - There are major elements of the bill that they hate.  Truth2Tell   Nov-10-09 12:21 PM   #5 
     - Nonsense. This bill is the insurances industry's nightmare. n/t  ProSense   Nov-10-09 12:25 PM   #7 
  - Ahh, the House the Insurance Industry Built ...  waiting for hope   Nov-10-09 12:19 PM   #3 
  - nt  Lost-in-FL   Nov-10-09 12:21 PM   #4 
  - My ass they don't oppose it. They spent money to create bogus reports to discredit it.  phleshdef   Nov-10-09 12:23 PM   #6 
  - They oppose those elements of the bill - not the bill in whole.  Truth2Tell   Nov-10-09 12:26 PM   #9 
     - Thats not even a well crafted conspiracy theory.  phleshdef   Nov-10-09 12:40 PM   #14 
     - Do you not believe that industry lobbyists  Truth2Tell   Nov-10-09 12:50 PM   #16 
        - That doesn't mean they like all or even most of it. But their hand is deep in it.  phleshdef   Nov-10-09 12:54 PM   #18 
     - " Don't throw me in that briar patch"  blindpig   Nov-10-09 01:04 PM   #20 
  - Of course they don't oppose it  Autumn   Nov-10-09 12:26 PM   #8 
  - What are you talking about.? The insurance companies spent 126 million this year alone  Peacetrain   Nov-10-09 12:29 PM   #10 
  - No - they spent that money to impact the nature of a bill  Truth2Tell   Nov-10-09 12:32 PM   #11 
     - Really? Watch 'em try to kill it.  Orsino   Nov-11-09 07:30 AM   #32 
  - Why would they oppose something they themselves wrote? nt  NorthCarolina   Nov-10-09 12:34 PM   #12 
  - Because they NEVER negotiate from a position of weakness. ever.  ipaint   Nov-11-09 07:40 AM   #34 
  - Would Joe Lieberman threaten to filibuster a BAD bill?  geek tragedy   Nov-10-09 12:52 PM   #17 
  - Because it contains a feeble public option. He's not for any kind of public option  Roland99   Nov-10-09 12:58 PM   #19 
  - He is a shill for the insurance industry. nt  geek tragedy   Nov-10-09 01:10 PM   #23 
  - Lieberman will support cloture in the end.  Truth2Tell   Nov-10-09 01:11 PM   #24 
  - I don't see them loving recession or pools or abolishing pre conditions or caps. All of those are...  uponit7771   Nov-10-09 01:09 PM   #22 
  - Trade-offs. nt  Truth2Tell   Nov-10-09 01:13 PM   #25 
  - They shouldn't. They wrote most of it. They are just miffed that they couldn't  Cleita   Nov-10-09 02:01 PM   #28 
  - yep. nt  Truth2Tell   Nov-10-09 06:11 PM   #30 
  - There are other ways,  ipaint   Nov-11-09 07:33 AM   #33 
  - Only a child would pretend the insurers aren't slobbering over MILLIONs of new (forced) customers.  Romulox   Nov-11-09 08:09 AM   #36 
     - Yeah, all those folks with pre-existing conditions they've been trying to keep out  NYCGirl   Nov-11-09 08:27 AM   #37 
     - Every deal is a quid pro quo--this for that.  Romulox   Nov-11-09 08:40 AM   #38 
        - And they can't kick anyone out because of age, etc. They're going to have to  NYCGirl   Nov-11-09 09:09 AM   #39 
           - I guess I wasted the keystrokes on my previous reply. nt  Romulox   Nov-11-09 09:21 AM   #40 
              - Amazing how that goes around here, isn't it? nt  Truth2Tell   Nov-11-09 03:32 PM   #41 
              - An industry doesn't spend millions to fight a bill it likes. NT  NYCGirl   Nov-11-09 05:26 PM   #42 
                 - True. They spend millions to help shape it more to their liking. nt  Truth2Tell   Nov-12-09 04:37 AM   #49 
     - But of course there will be exactly zero forced customers for private insurance.  bornskeptic   Nov-11-09 08:38 PM   #44 
        - Since the PO is estimated to be more expensive by design  ipaint   Nov-11-09 10:40 PM   #45 
           - The subsidies are structured in such a way that the price is irrelevant.  lumberjack_jeff   Nov-11-09 11:18 PM   #48 
              - The price is irrelevant for whom?  ipaint   Nov-12-09 08:50 AM   #50 
 

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