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 <
holtzm@cox.net> wrote:
From: Robert Holtzman <
holtzm@cox.net>
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"
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