Boomchild wrote:Monker wrote:
I haven't had a change in my benefits, or the cost of insurance in three years, including this year..
If this is totally the truth, then you are in a very select minority. I am not buying this statement. Even those with Medicare\Medicare Advantage coverage have seen increases over this time frame. If you have an employer sponsored plan it could be that your employer is absorbing the premium increases which is not typical. If not and your premium hasn't gone up then I am willing to bet the benefits, deductibles or co-pays has changed in some way. Typically most people encounter premium increases and\or changes in benefits, deductibles and co-pays within the time period stated. Without details and specifics it very easy to make a claim such as this.
Maybe you forget that I am on a high deductible, HSA, plan. NOTHING has changed. Raising the deductible would be pointless because it is already very high. The coverage is exactly the same. The employer contribution to the HSA is exactly the same. In fact, it was announced late last year that for the third straight year there is no change in their health plans.
The high deductible plans save money - FOR EVERYBODY. Therefore, the more employees that switch to those plans, the less the company had to pay for premiums, and there is less (no) pressure to raise premiums or look to change the offered plans in any way.
You are simply WRONG.
And, if you look back to the news when the exchanges first opened - a LOT of plans actually LOWERED their premiums. So, assuming everybody is paying higher premiums or whatever is just showing you are living in a conservative bubble where reality does not trump the propaganda.

Some went up, some went down...assuming it has to be one way or the other is biased stupidity and political games.