searay
Bid McPhee
Posts: 1,122
|
Post by searay on Dec 30, 2019 9:41:35 GMT -5
The avg employer paid healthplan deductible is about $1500. These plans' cost has increased a mere 55% since 2008. Mine has increased four fold. Those are facts: www.ehealthinsurance.com/resources/small-business/average-cost-of-employer-sponsored-health-insuranceAnthem's cost increase just for 2020 was about 20% for my plan, hence my going off the marketplace. That's a far cry for what employer paid plans have undergone. I stand by my statement that self paid plans have taken the brunt of the hit from OC and I've included a link with facts that back this up Given this, please re-think your statements above Re-think which statements? That deductibles have substantially increased? You didn't present anything contradicting that...just that they're averaging $1500 - (you mis-represented or didn't round correctly either, your source said $1573.). From the actual KFF survey that your article sourced... www.kff.org/health-costs/press-release/employer-sponsored-family-coverage-premiums-rise-5-percent-in-2018/"Currently 85 percent of covered workers have a deductible in their plan, up from 81 percent last year and 59 percent a decade ago. The average single deductible now stands at $1,573 for those workers who have one, similar to last year’s $1,505 average but up sharply from $735 in 2008. These two trends result in a 212 percent total increase in the burden of deductibles across all covered workers." So yes, I consider a 5% increase in 1 year and more than doubling in a 10 year period "increasing substantially." And unless you're going to debate semantics instead of facts, I would think you would as well. "Given this, please re-think your statements above" - honestly, do I have to point out your unnecessary condescension again? I guess we disagree in terminology. I do not consider a doubling of deductibles in ten yrs a substantial increase. Seeing as how mine have grown to $7K/person, I'd say an increase from $700 to $1500 to be nothing. I also 100% disagree with your view that a 5% increase in one yr is substantial. If everyone had experienced numbers like that we wouldn't have a healthcare crisis. I consider 5% increase very reasonable |
|
|
|
Post by DocDirk on Dec 30, 2019 10:08:32 GMT -5
Re-think which statements? That deductibles have substantially increased? You didn't present anything contradicting that...just that they're averaging $1500 - (you mis-represented or didn't round correctly either, your source said $1573.). From the actual KFF survey that your article sourced... www.kff.org/health-costs/press-release/employer-sponsored-family-coverage-premiums-rise-5-percent-in-2018/"Currently 85 percent of covered workers have a deductible in their plan, up from 81 percent last year and 59 percent a decade ago. The average single deductible now stands at $1,573 for those workers who have one, similar to last year’s $1,505 average but up sharply from $735 in 2008. These two trends result in a 212 percent total increase in the burden of deductibles across all covered workers." So yes, I consider a 5% increase in 1 year and more than doubling in a 10 year period "increasing substantially." And unless you're going to debate semantics instead of facts, I would think you would as well. "Given this, please re-think your statements above" - honestly, do I have to point out your unnecessary condescension again? I guess we disagree in terminology. I do not consider a doubling of deductibles in ten yrs a substantial increase. Seeing as how mine have grown to $7K/person, I'd say an increase from $700 to $1500 to be nothing. I also 100% disagree with your view that a 5% increase in one yr is substantial. If everyone had experienced numbers like that we wouldn't have a healthcare crisis. I consider 5% increase very reasonable Between doubling the deductible in ten years as well as introducing increasing copays, co-insurances, and adjusting inpatient vs observation rules, costs to the consumer have increased dramatically while hospitals have basically been on a freeze during that time. Basically all of that money is being pocketed by the insurance companies. That's why that seems unreasonable. But yeah, if you think that deductibles increasing at that rate is reasonable, we're not going to agree here in general. |
|
searay
Bid McPhee
Posts: 1,122
|
Post by searay on Dec 30, 2019 14:24:33 GMT -5
I would love it if my healthcare costs only went up at those rates. I'd be thrilled. Those rates are a drop in the bucket compared to my increases
|
|
