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Health Insurance

iwannabeacowboy

Well-known member
Got a big shock yesterday. My health insurance premium for myself and children for the year will be $15,000.00 This is Blue cross through an employer. My premium last year/last month was a third of that.

I changed jobs, but both companies are using blue cross and blue shields. One is based out of Texas- the old, and the new is based out of New York.

I can only assume that because it is national, the New York rates apply to all employees????

I can't wait for the full implementation of Zerocare to affect employed individuals as well. I might still be able to afford gas to get to work.... well probably not with our energy plan, maybe I can buy a good Chinese made bike to get there on.


Are these rates normal on the east coast?
 

Steve

Well-known member
basically they have ahead start on Obama-care per-exisiting coverage not being a ratable factor.

http://online.wsj.com/news/articles/SB10001424052748703746604574461482860007734


Back in the early 1990s, New York Gov. Mario Cuomo pushed reforms aimed at fixing the state's health-care system. Those reforms were supposed to reduce the ranks of the uninsured as well as prevent insurance companies from unfairly charging people with health problems more than others or dropping sick people from the insurance rolls.

Within a few years, Empire and others stopped selling insurance in the individual market in the state.

If that sounds like reforms being proposed in Washington today, it's not a coincidence. One of the biggest things Mr. Cuomo did was to impose government mandates called community rating (CR) and guaranteed issue (GI). The former prevents insurers from charging people more based on their health or age, and the latter forbids denying coverage to anyone who wants to buy it. These two mandates are now a central part of reforms advancing in Congress. In New York, enacting them has been a mistake.
 

iwannabeacowboy

Well-known member
Thanks Steve, I assumed it was a reason along those lines but hadn't had time to fully investigate it yet.

This could be a real deal breaker, but they may be willing to pony up the difference. It's just a bad situation overall. Either I'm out a lot of money for absolutely no improvement in benefits, but actually a loss, which probably won't happen as I have options- including my old job; or they are going to have to pay a significant amount more for me than their competition.

Doing that enough times over, it will make a huge impact in their ability to hire additional employees.

It's just another real life example of what progressive policies will produce- increased expense for nothing and loss of jobs.

Let's take this thing national! :evil:
 
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