Obamacrap EHB and HHS Joystick

[Dave020]

Not a DOI issue, passed way back in 1992 by the state legislature under AB 1672.

 

[Franz Kafka]

A commie selling insurance for big corporations for living - there ought to be a book written about that subject.

 

[Dave020]

RAF and rate increases are separate issues. 1.10 RAF is max for any group 2-50 in CA, no exceptions. 1.10 RAF of what premium is another issue completely. Has nothing to do with the rate factor guidance by law. No group 2-50 in CA can be charged more than 10% above the standard cost.

 

[newt103]

You know how unions often have work-rules... there has to be two guys to do the job of one. It used to be called "featherbedding." And I assume you have heard of minimum wage laws?

Conservatives and Libertarians really hate union interference in the workplace. They go postal over such things... where the unions dictate to management how the work should be done. And do they hate minimum wage rules? With a passion.Al

Why should management hate minimum wage rules? Most can not get away with paying minimum wages because their competition down the street will pay more. Also, management can and will pass the increase in minimum wage to the consumer for the product or service rendered, which incidentally is the same guy or gal who just had his wages increased superficially, not through free market forces where there real value will be a plus or minus to them. The minimum wage rules are political ploys used by liberals to buy votes.You know the slogan "We are for the little guy!" Pure BS.
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For example, I was a partner for 25 years in a commercial cleaning operation that had approx. 20 full time employees and 150 part-time employees. I do not remember one time that we paid minimum wage. If we could, we would have but market forces dictated that we pay significantly more or we would not have reliable, honest and conscientious people doing the cleaning for our customers. Wages always had to be looked at continuously and it was a balancing act. You pay people less than what the market dictates, quality of work suffers. You pay too much the company goes out of business and everybody employed loses their job.[/FONT]

 

[CHUMPS FROM OXFORD]

Hi guys. Al here. Yes, I am still posting under two names. Ignore my last post. No...don't. Think about it and then forget about it.

I use the "Al" side of me to rant but all of you know I'm just kidding.

 

[somarco]

Sounds like an intervention and exorcism is in order . . .

 

[Ann H]

RAF and rate increases are separate issues. 1.10 RAF is max for any group 2-50 in CA, no exceptions. 1.10 RAF of what premium is another issue completely. Has nothing to do with the rate factor guidance by law. No group 2-50 in CA can be charged more than 10% above the standard cost.

In AZ our max rate-up for groups 2-50 is 60% above manual rates. However, a carrier can also offer 60% below manual for its preferred cases. The spread is actually 400%, which confuses most people. For instance, if $10,000 is the "manual" group premium, but they are a preferred risk, the insurance company can offer a $4,000 premium. If they are a medically risky group, the insurance company can offer 60% above "manual" rates, which is $16,000. The spread between $4,000 at the low end and $16,000 at the high end is 400%.

This can blow people away if they get their first quote at the preferred rates, then submit health questionnaires and get a 400% rate-up. They scream, "I thought 60% was the max rate-up".