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As you head to the polls on November 8th bring along your health insurance bill as a reminder of what's at stake. Can you afford 4 more years of double digit premium increases?
Premiums will go up sharply next year under President Barack Obama's health care law, and many consumers will be down to just one insurer, the administration confirmed Monday.
Before taxpayer-provided subsidies, premiums for a midlevel benchmark plan will increase an average of 25 percent across the 39 states served by the federally run online market, according to a report from the Department of Health and Human Services. Some states will see much bigger jumps, others less.
Moreover, about 1 in 5 consumers will have plans only from a single insurer to pick from, after major national carriers such as UnitedHealth Group, Humana and Aetna scaled back their roles.
"Consumers will be faced this year with not only big premium increases but also with a declining number of insurers participating, and that will lead to a tumultuous open enrollment period," said Larry Levitt, who tracks the health care law for the nonpartisan Kaiser Family Foundation.
Liberal apologists are quick to blame "greedy insurance companies."
Except it's not "greedy insurance companies" who mandated expensive comprehensive health insurance plans covering all manner of "free" services.
And it's not "greedy insurance companies" who required the plans to take on all comers and charge them the same price regardless of risk of illness or pre-existing conditions.
Nope, that was President Barack The Magnificent, who's a firm believer in the Government Knows Best school of human interaction. According to him, the only choices we're allowed to make are choices he's pre-selected for us.
To which the "greedy insurance companies" responded, "No thanks."
Dwindling choice is another issue.
The total number of HealthCare.gov insurers will drop from 232 this year to 167 in 2017, a loss of 28 percent. (Insurers are counted multiple times if they offer coverage in more than one state. So Aetna, for example, would count once in each state that it participated in.)
Switching insurers may not be simple for patients with chronic conditions.
While many carriers are offering a choice of plan designs, most use a single prescription formulary and physician network across all their products, explained Pearson. "So, enrollees may need to change doctors or drugs when they switch insurers," she said.
If you like your doctor you can't keep your doctor.
If you like your life-saving medication you probably can't keep them either.
Adding to the pain, employer-sponsored plans will likely see very similar premium increases and reductions in choices because they're required to offer the same comprehensive coverages as the marketplace plans.
There really isn't anything surprising, though, about Obamacare's latest woes. They were widely predicted. Obamacare was ill-conceived — so ill-conceived that some suggest it was designed to fail and be replaced with a single-payer style system.
If you think health care is expensive now, just wait until Hillary makes it "free."
Obamacare's passage is an object lesson in what happens when Democrats control the White House and the Congress. The latest news should help drive that lesson home just in time for the election.
Yup. Just say "No" to Hillary Clinton and the Democrats. Vote Donald Trump for
President! Because he'll repeal Obamacare on day one, and save us money.
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