The Current State Of ObamaCare - ACA

[number9]

Community rating and EHB eliminates that advantage . . . which never had any real merit before Obamacrap.

I have health business in 5 states and buying across state lines has a lot of merit! The majority of my business in Oregon and Washington. If I buy the exact same ACA plan with Lifewise in Oregon as I have in Washington I will save over 10% on the premiums. If I were able to buy the same plan through Moda that is not available in Washington state I'd have a better network, identical plan and a 25% savings. I can't tell you how many people I have worked with that work in Oregon but live in Washington because the are Washington state residence they have less choices and more costs. Pre ACA I've saw a larger difference but the difference is still quite substantial.

Do you really think a person in a state with a couple insurance carriers can't find a better price product in another state with more competition?

 

[somarco]

Do you really think a person in a state with a couple insurance carriers can't find a better price product in another state with more competition?

No, even less under Obamacrap.

Two or three years ago GA made it legal for citizens to buy across state lines. Carriers had to file with the DOI before they could legally market the plans. To date not a single carrier has filed.

Insurance is not like Amazon selling books. It is priced according to where the product will be used.

Otherwise folks on the FL coast would buy their homeowners from KS.

And FWIW there is less competition now under Obamacrap than before.

You just think you could save money by purchasing your health insurance in OR. Once the policy rates are adjusted for community rates + what ever premium tax differential there may be you probably would not save anything.

 

[bill3173]

Community rating and EHB eliminates that advantage . . . which never had any real merit before Obamacrap.

I think buying across State Lines would create another mountain of problems, for the reason that you stated and some others that you didn't state.

O'care is Federal, but the States are still putting their on spin on it, without going into detail, there are some crucial differences between NC and SC and Fla interpretation of the law and the plans offered. I'm sure other agents writing in multiple states have found the same thing.

I would hate to try and track commissions on policies being sold across State Lines. I have a carrier in Florida that hasn't paid me yet for off exchange plans, because of a problem "in the system" although I am tied to the applications. I've never had this problem before. The purchase across State Lines thing is the kind of thing that sounds good to people that don't know what they're talking about.

 

[unic.consulting]

I have health business in 5 states and buying across state lines has a lot of merit! The majority of my business in Oregon and Washington. If I buy the exact same ACA plan with Lifewise in Oregon as I have in Washington I will save over 10% on the premiums. If I were able to buy the same plan through Moda that is not available in Washington state I'd have a better network, identical plan and a 25% savings. I can't tell you how many people I have worked with that work in Oregon but live in Washington because the are Washington state residence they have less choices and more costs. Pre ACA I've saw a larger difference but the difference is still quite substantial.

Do you really think a person in a state with a couple insurance carriers can't find a better price product in another state with more competition?

If health insurance was available to be sold across state lines, then they would start charging the same rate in all states. For states like Oregon that have a lower cost, the rates will go up even though the risk in that market stayed the same. I would love for the rates here in MA to go down, but I don't think the people in AZ would want to pay my rates for me.

 

[AllenChicago]

If health insurance was available to be sold across state lines, then they would start charging the same rate in all states. For states like Oregon that have a lower cost, the rates will go up even though the risk in that market stayed the same. I would love for the rates here in MA to go down, but I don't think the people in AZ would want to pay my rates for me.

With the evening out of premiums, we'd be one step closer to a nationalized system ready for the Feds to take over. No thank you. Does Medicare Part A/B cost the same regardless of what state the beneficiary resides?

 

[unic.consulting]

With the evening out of premiums, we'd be one step closer to a nationalized system ready for the Feds to take over. No thank you. Does Medicare Part A/B cost the same regardless of what state the beneficiary resides?

Yes, Medicare is a national community...it's only differentiated by income.

 

[healther]

Yes, Medicare is a national community...it's only differentiated by income.

But the Medicare Advantage programs are reimbursed at various levels determined by county.

 

[unic.consulting]

But the Medicare Advantage programs are reimbursed at various levels determined by county.

True. But that is because there are different options in different communities based on the cost of care in the community. The rates that Medicare pays doctors does vary by community. I was referring to the cost to the patient.

 

[somarco]

"Medicare for all" will create larger deficits and ration health care more than it is now.

 

[GreenSky]

"Medicare for all" will create larger deficits and ration health care more than it is now.

Is that even possible?

Rick