m********a
发帖数: 1041 | 1 保險業者說,對某些自己買保險個人和小企業來說,明年保費可能會大漲.
Health insurers are privately warning brokers that premiums for many
individuals and small businesses could increase sharply next year because of
the health-care overhaul law, with the nation's biggest firm projecting
that rates could more than double for some consumers buying their own plans.
這跟歐巴馬行政團隊所說的保費會減少不一致
The projected increases are at odds with what the Obama Administration says
consumers should be expecting overall in terms of cost. The Department of
Health and Human Services says that the law will "make health-care coverage
more affordable and accessible," pointing to a 2009 analysis by the
Congressional Budget Office that says average individual premiums, on an
apples-to-apples basis, would be lower.
差別就是在政府對低收入者的補助款
Part of the murkiness stems from the role of government subsidies. Federal
subsidies under the health law will help lower-income consumers defray costs
, but they are generally not included in insurers' premium projections. Many
consumers will be getting more generous plans because of new requirements
in the law. The effects of the law will vary widely, and insurers and other
analysts agree that some consumers and small businesses will likely see
premiums go down.
保險業者不能再根據被保人的健康史或年齡拒保或提高保費了. 所以年輕健康者的保費
可能會增加.
Starting next year, the law will block insurers from refusing to sell
coverage or setting premiums based on people's health histories, and will
reduce their ability to set rates based on age. That can raise coverage
prices for younger, healthier consumers, while reining them in for older,
sicker ones. The rules can also affect small businesses, which sometimes pay
premiums tied to employees' health status and claims history
對大企業的影響比較有限
The law's 2014 effect on larger companies is likely to be more limited. Many
of the big changes coming next year won't touch them as directly as
individual consumers and small businesses, though some will have to grapple
with the cost of covering more workers or paying a penalty.
The possibility of higher premiums has become the latest focal point of the
political tussle over the health law, which marks its third anniversary
Saturday. Republican lawmakers have held hearings on the issue, and six GOP
members of the House Energy and Commerce committee wrote last week to more
than a dozen insurers asking them to turn over internal analyses on the law'
s impact on premiums and costs.
The insurance industry has also been talking publicly about big potential
premium increases in lobbying for tweaks to the law.
The individual market includes about 15 million people, and around 18% of
the roughly 149 million with employer coverage were at small companies,
according to 2011 figures from the Kaiser Family Foundation. The individual
market is expected to grow to around 35 million people by 2016 as a result
of the law.
保險公司預估,個人保戶的保費可能漲116%, 小企業可能漲25~50%. (不全是因為新法,
還包括了醫療費用的增加、對自付額的限制等因素)
In a private presentation to brokers late last month, UnitedHealth Group Inc
., UNH +0.33%the nation's largest carrier, said premiums for some consumers
buying their own plans could go up as much as 116%, and small-business rates
as much as 25% to 50%. The company said the estimates were driven in part
by growing medical costs not directly tied to the law. It also cited the law
's requirements that health status not affect rates and that plans include
certain minimum benefits and limits to out-of-pocket charges, among other
things.
也不是所有人都漲,有些年長者的保費可能會減少
Jeff Alter, who leads UnitedHealth's employer and individual insurance
business, said the numbers represented a "high-end scenario," not an average
. "There are some scenarios in which a member could see as much as a 116%
increase or over," he said, though others, such as some older consumers,
could see decreases. He said the company dwelled on the possible increases
because it was trying to prepare brokers to speak with clients facing big
jumps.
其他不同家保險公司預估的都不一樣
Other carriers have also projected steep rate increases during private
meetings and conversations with brokers. Brokers say they are being told to
prepare the marketplace for small-business and individual rate increases as
carriers get ready to file specific rate proposals and plan designs with
regulators.
Insurers are "not being shy that premiums are going to increase in 2014,"
and are urging brokers to "brace our clients," said John Lacy, vice
president of group benefits at Bouchard Insurance, a brokerage in Clearwater
, Fla. His firm has been hearing from carrier representatives that
individual premiums in Florida could go up 35% to 50%, on average, and small
-business rates around 30%, though it hopes to find strategies to blunt the
impact.
Aetna Inc., AET +0.42%in a presentation last fall to its national broker
advisory council, suggested rates on individual plans not being
grandfathered under the law could go up 55%, on average, and gave a figure
of 29% for small business rates. Both numbers included 10 percentage points
tied to medical-cost inflation, not the law. An Aetna spokesman said the
numbers are "still generally in line with what we've been estimating," and
represented the average impact in a typical state.
An official with Blue Cross & Blue Shield of North Carolina told a gathering
of brokers last week that individual premiums could go up by as much as 40%
to 50%, according to brokers who were present. A spokeswoman for the
insurer said "we don't have final numbers" yet on premiums.
政府估計的是個人保戶的保費會便宜14~20%
There has long been debate, even among insurance experts, over how the law
will affect premiums. Because the effect is likely to vary, different
measurements can arrive at different conclusions. The CBO analysis cited by
the administration determined that average premiums for consumers who buy
their own coverage would be 14% to 20% lower because of the law—if the law
didn't change the types of plans they purchased.
但是消費者可能會去買更貴的保險??
But the CBO also suggested the law would lead to consumers buying more
expensive plans, largely because it requires coverage to include certain
benefits and limit charges such as deductibles. When this effect was taken
into account, the average premiums would go up 10% to 13%, the agency said,
though subsidies would ease the bite for most people. The agency also said
small-business policies were likely to cost within a few percentage points
of the amount they would have without the law.
Health and Human Services officials say competition among insurers, as well
as provisions to limit their financial risk from attracting high-cost
consumers, will exert downward pressure on premiums, and point to the tax
subsidies that will limit many consumers' costs.
個人收入45960,家庭收入94200以下都可能可以領到保險補助金
Subsidies will be available on a sliding scale for people with incomes of up
to four times the federal poverty level—currently $45,960 for a single
person and $94,200 a year for a family of four. More than half of the 35
million people expected to be in the individual market by 2016 are likely to
qualify for credits. People whose incomes are around the poverty level
could see almost all of the cost of their insurance subsidized, while people
at the upper end will get only a small discount toward their premiums. | l****z
发帖数: 29846 | 2 这个tmd的早就说过了. 典型的:I've told you so.
那个对特殊group不可以涨保费的必然结果就是所有人的保费都会涨.
民猪党就是一伙傻逼. | m********a
发帖数: 1041 | 3 我好奇的是為什麼現在又再報導這樣的事?
因為我們的保費雖然名義上沒漲, 但福利已經大幅縮水. 自付額從20元提高到先自付
2000千再來談能不能請保險了. 所以我能理解,有些人會再多花錢買更貴保險的心態.
也許, 保險公司只是在為再次漲價做準備吧!
雖說天有不測風雲, 每個人也都會老會病. 社會有一定的急難救助功能也是合理的,但
個人難道不用為自己的健康和財務付一定的責任嗎? | b*******n
发帖数: 8420 | 4 左棍就是想方设法用别人的钱给他买单
【在 m********a 的大作中提到】
: 我好奇的是為什麼現在又再報導這樣的事?
: 因為我們的保費雖然名義上沒漲, 但福利已經大幅縮水. 自付額從20元提高到先自付
: 2000千再來談能不能請保險了. 所以我能理解,有些人會再多花錢買更貴保險的心態.
: 也許, 保險公司只是在為再次漲價做準備吧!
: 雖說天有不測風雲, 每個人也都會老會病. 社會有一定的急難救助功能也是合理的,但
: 個人難道不用為自己的健康和財務付一定的責任嗎?
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