Health Insurance Deductibles Up 212 Percent Since 2008

I may not be the smartest person on here, but at least I don't think attacking other posters here is a solid debate technique.

 

But the same deductibles rose roughly 90% in the 6 years between 2003 and 2009:

https://www.google.com/url?sa=t&sou...FjADegQICBAB&usg=AOvVaw1pY3-91100-1xyW0S4P5_P

While premiums have actually increased more slowly since 2008:

http://www.shadac.org/news/slow-nat...erage-continued-2016-driven-premium-increases

So you really haven't made your point.

 

Then please keep up. Do you grasp and acknowledge what I was trying to tell you?

 

Try not being narrow minded. Did I say that was the be all, end all? No. I was actually just trying to discuss the topic. Civility...try it.

 

Then you failed to make your point. Lowering the cost WILL NOT lower the financial burden on the patient under the private insurance model. Prove me wrong. You have yet to do so.

 

You keep up. I never said that was the only thing to this. I just said that the patients would pay less out of pocket when Drs lowered their prices,which is true.

 

Health Insurance Deductibles Up 212 Percent Since 2008
The Affordable Care Act (Obamacare) was successful & could have been more so and cheaper if the changes planned by Obama had been enacted by Congress. But Republicans controlled Congress and spent much of their time needlessly and wastefully attacking Obamacare & doing everything in their power to undermine it or kill it entirely. They were unable to kill it, but they succeeded in damaging it and making it function less
efficiently. Then, after mauling it and undermining it, they attack what's left as a disgrace and failure. It's a failure because of them. It could have been fixed and could have helped our entire medical system. Instead, we're stuck with a decrepit system designed by Republicans to be dysfunctional, for their political gain. The whole thing is just plain SICKENING. Wouldn't it be appropriate if members of Congress & their families (like millions of Americans) had to rely on the remnants of Obamacare they worked so hard to dismember?

 

ONLY if the patient is paying the total cost, without insurance. Otherwise, your assertion falls apart.

 

Ok, if my deductible is 1200, the average. And I go to the Dr 3 times in a year. Am I going to meet the deductible? Probably not. My bill would be my bill either way. So, if the price of the Dr visit is lower, then I pay less.

 

Really? One round of blood work can destroy a $1200 deductible. And if you never meet your deductible, or have to refuse services because of your deductible, what good is insurance doing you?

Again, your argument falls completely apart.

 

Of course it will, as long as we maintain federal guidelines regarding what portion of revenue must be paid out as claims.

Are you familiar with this existing legislation?

Furthermore, insurance premiums correlate most well with -- and it is not even close, as far as second place -- medical costs. So you have quite a spell to cast to demonstrate that this correlation will suddenly disappear, just because you don't like Obamacare.

 

The report I linked to showed a rise of 212% over the last decade.

 

That is not how deductibles work. You should probably stop talking right now and go read up.

 

Yes, I know. Your point?

 

No it doesn't. Insurance isn't even meant for routine dr visits, but that is beside the point. If I visit the Dr on average 3 times a year, which is more than reality, I would not pay 1200 anyway. Unless there was some extra costs, 3 visits would end up being less than the deductible.

Therefore, lower prices at the Drs office is a gain for me.

 

what was yours? lol I gotta go. I have remote sensing homework to do. I am a science major, not econ. Its been fun though.

 

Actually, it does. Even Medicare Advantage plans work that way. I'm fighting with Humana over my mother's lab work at the moment. They seem to think that the lab work is a completely separate issue from the Dr.'s visit when the blood was drawn, and want her to pay $800 for it. Knocks the ever lovin' shiite out of a $1200 deductible, dontcha think?

That's American business for you. Kill the insurance companies - that's 15% of the cost of the entire system eliminated up front.

 

ok, you said the rise was 90% in the decade prior to 2008, right? 212% since 2008 is significantly higher.

 

While you burn how much annually on premiums for insurance you apparently don't use?

A fool and his money, as they say...

 

The 2018 value is 53% higher than the average general annual deductible of $883 in 2013 and 212% higher than the average general annual deductible of $433 in 2008

page 111
http://files.kff.org/attachment/Report-Employer-Health-Benefits-Annual-Survey-2018

 

I'm assuming then, that you've never gone to the doctor, paid your co-pay, and gotten a bill from the clinic later for something the insurance company would not pay because a deductible had not been met? Lab work, x-rays, whatnot?

 

So if I come down with cancer, I am a fool? What if I have a stroke or get in a major accident? Still a fool?

 

I don't know why Republicans worship private enterprise so. I guess brainwashing from those who profit the most + lack of experience with the alternatives. Insurance is one of the worst rackets going today, considering all of the creative ways they find to get out of paying despite selling their customers a peace-of-mind promise that things will be covered. These abuses are why we even have crappy Obamacare today, and these brainwashed conservatives are why we can't have a working system. They all attack and reject any alternative because they're trained like Pavlov's dog to hate them without even understanding them and what they could deliver to us. They are constantly lied to, usually through selective choice of horror stories from the UK or Canada and equally selective omission of relevant facts, and thus made to hate a system that would be much to their benefit if they would only embrace it. All to keep a few wealthy people wealthy at the expense of everyone else.

 

Yes, you're getting screwed, and the insurance company is getting rich. Still waiting for that light-bulb to go off and for you to figure out WHY...

 

You are for every year you don't use it. Single payer would cost you less. Instead of a premium, you would pay a tax. Not sure what is so difficult to understand about that. No co-pay, no deductible, no bills from the provider down the road. No executives taking 15% off the top.

I'm really not sure what your objection to that is...