Based on a recent experience, other life experiences, and much reading I would say health insurance premiums are increasing do a great extent based on and the cause of extremely expensive rates is based on the uninsured who utilize and do not pay. We have a ton of "guests" who use the emergency room as their PCP.  You and I pay for that in many ways.  Directly and indirectly.  It also affects our taxes. I know you are going to cry foul.  I think you might change your tune if you had to pay $800 a month for insurance you can hardly use. The quotes I have been receiving are in the $400 plus range and have a $9000 deductible.  That means I pay $4800 a year plus all medical costs up to $9000.  My out of pocket would be $13,800 before I would get into a 70% / 30% where I would pay up to another $3000 and then the insurance kicks in.  That means I would spend $16,800 before the insurance takes over. This is all true. ------------------------ Keith Smith --- On Sat, 8/28/10, Robert Holtzman wrote: From: Robert Holtzman Subject: Re: OT: Self Employed Health Insurance Costs and Coverage To: plug-discuss@lists.plug.phoenix.az.us Date: Saturday, August 28, 2010, 5:23 PM On Sat, Aug 28, 2010 at 02:39:06PM -0700, Lyle Tuttle wrote: > At 12:16 PM 8/28/2010, you wrote: >               ............snip......... >     > We have a problem and it needs to be fixed.  I believe in a free market >     > solution. > >     The health insurance industry has been operating under a free market >     system forever. > > > Sorry - that is not correct.......big brother govt has had their hand in for > quite some time, messing up the works. Oh. That's probably the reason rates have *far* outstripped inflation. Yup, too much regulation. Couldn't be the profit motive.           .........snip......... > > If 100% of the people bought, we would have much lower pricing That's a feature of the health care package.....the feature that causes conservatives to have a stroke. -- Bob Holtzman Key ID: 8D549279 "If you think you're getting free lunch, check the price of the beer" -----Inline Attachment Follows----- --------------------------------------------------- PLUG-discuss mailing list - PLUG-discuss@lists.plug.phoenix.az.us To subscribe, unsubscribe, or to change your mail settings: http://lists.PLUG.phoenix.az.us/mailman/listinfo/plug-discuss