<p>I’m sorry if the article answers this, but why the heck are the prices in Wyoming so steep?</p>
<p>On Wyoming:
[Wyoming</a> can expect highest premiums in the country from its health care marketplace | Wyoming Public Media](<a href=“http://wyomingpublicmedia.org/post/wyoming-can-expect-highest-premiums-country-its-health-care-marketplace]Wyoming”>Wyoming can expect highest premiums in the country from its health care marketplace | Wyoming Public Media)</p>
<p>[The</a> 5 Most Expensive States for Obamacare](<a href=“http://www.fool.com/investing/general/2013/09/28/the-5-most-expensive-states-for-obamacare.aspx]The”>The 5 Most Expensive States for Obamacare | The Motley Fool)</p>
<p>I don’t know how easy it is to compare the employer plan with the individual plan. My plan through the employer isn’t cheaper than what I look up on the exchange but I can go anywhere in the world and expect to be covered. Insurance companies know how to price that and we don’t. They can keep the price the same and limit the network until it’s profitable to them.</p>
<p>I also don’t buy the ACA coverage is better. If by better they mean it includes maternity, no cap, pediatric care, I don’t think it adds up. People aren’t pregnant for very long and needs pediatric care only for a few years. When spread out over the life time they pay for the insurance, the cost should be minimal. “No cap” can’t be expensive, either, if you look at how cheap catastrophic plans are.</p>
<p>I don’t know if this will happen. If it does, we are rewarding crooks once again.</p>
<p>[Obamacare’s</a> Perilous Protection Plan for Debtors](<a href=“http://news.yahoo.com/obamacare-perilous-protection-plan-debtors-080000556.html]Obamacare’s”>http://news.yahoo.com/obamacare-perilous-protection-plan-debtors-080000556.html)</p>
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<p>Some enterprising financier may come up with a way to moneytize this in a legal way. That will be a lot of money, a quarter of a few trillion?</p>
<p>^^leaving doctors and hospitals on the hook. The insurance companies will know the premiums haven’t been paid, will the providers be told?</p>
<p>Or will taxpayers be on the hook? That seems the more likely scenario.</p>
<p>Thanks Igloo…</p>
<p>“Michelle Malkin is the author of “Culture of Corruption: Obama and his Team of Tax Cheats, Crooks and Cronies” (Regnery 2010). Her e-mail address is malkinblog@**********.”</p>
<p>The information is correct. I posted about this on this thread weeks ago. Doctors should Be able to find out which patients have not paid the premium. The insurers should not be allowed to hide this information. They are on the hook for one month, the doctors are on the hook for two. Or will the norm be appointments three months out to avoid this ‘grace period’ problem.</p>
<p>I like this. Says it all.</p>
<p>“Some enterprising financier may come up with a way to moneytize this in a legal way. That will be a lot of money, a quarter of a few trillion?”</p>
<p>Lol.</p>
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<p>“Enjoy”? </p>
<p>I realize everything now has to be an ad campaign, but is anyone really “enjoying” doctor’s appointments so much that they are itchin’ for this loophole?</p>
<p>Hey… It is a quarter of a few trillion dollar problem. :)</p>
<p>We don’t know yet how many new folks will have signed up by the end of 2015. However, the best predictors out there, with the best information, work for the insurance industry.</p>
<p>The low cost of my plan suggests that at least in high-competition markets, they don’t expect most of the new sign-ups in their 30s/40s to be very sick. They could be wrong, but they are in the best position to predict. They’re going to take a bath on these $216/month silver plans if it’s mostly sick people signing up.</p>
<p>For what it’s worth, my pre-existing condition has been well controlled with inexpensive generic meds for over twenty years. The risk that it’s going to flare up and cause a bunch of costly bills is very low, and I am overall very healthy. I have no idea how unusual this is among people whose conditions shut them out of the individual market. There are surely some with expensive chronic conditions like diabetes, but there are also folks who had “preexisting conditions” due to something that’s cured and unlikely to recur.</p>
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<p>Don’t laugh. After something fancy like CDS drove the country to scare, I am allowed to be paranoid.</p>
<p>Well…have you thought about seeing a mental health professional? </p>
<p>Be sure to stiff the doctor. ;)</p>
<p>Hanna, I like your post.</p>
<p>Dstark…:)</p>
<p>Why haven’t providers been up in arms about the current 30 day grace period in health care insurance policies in most states? That grace period is extended to everyone, not just a portion of the insureds.</p>
<p>Hanna, assuming health insurance industry is a business who like to make money, I’d think they shut out people with pre-existing conditions because on the average, they are costly. As in any sample, there will be exceptions.</p>
<p>cartera, good point. I don’t know when they learned about this regulation.</p>
<p>dstark, that’s like we are in the kindergarten. Glad to be young again.:)</p>
<p>a grace period is also a fact of life for employers wrt COBRA. (Most COBRA-eligible folks just don’t know about it.)</p>
<p>^What happens to COBRA if they skip payments? It could be quite tempting. You have COBRA but you are not sick so you skip the last three payments? I think they should collect the annual premium in the first nine months.</p>
<p>I have a quick question that I’m hoping all you knowledgeable people can help with. We don’t qualify for the subsidy this year, but my income wildly fluctuates from year to year. </p>
<p>1) If there is a possibility that we could qualify for a subsidy in a future year, should we go through Covered California exchange just in case? Or can we pull out of direct insurance later and move to Exchange?</p>
<p>2) Which year’s income do you use to analyze options? The exchange asks for AGI income - should it be income you have on a valid tax return from 2012? Or do you guess total income for 2013? </p>
<p>3) How do they validate the income? Does it wash out when you file your 2013 tax return or something? </p>
<p>4) Is the subsidy part of a tax refund? Or is it monthly to the insurance company from the government?</p>
<p>Thanks for your help
BTW, we are getting hit for about a 50% increase in our individual family plan but luckily my husband moves to Medicare in April and the premium will be lower</p>