We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
The guarantee-issue provision of ObamaCare is expected to result in many enrolling in individual plans who are ill, or waiting to enroll until ill. The Center for Consumer Information & Insurance Oversight (CCIIO) of the Centers for Medicare & Medicaid Services (CMS) at the U.S. Department of Health and Human Services (HHS) will require group health plans to subsidize individual health plans with about $27-billion between 2014-2016. That is expected to keep individual premiums about 10-15% lower but raise group premiums by 1%.
The estimate is supposedly based upon the experience of New York's guarantee-issue requirement since 1993, where premiums have actually skyrocketed compared to the rest of the US. According to Kaiser Health Facts, in 2010 the average individual premium in New York was $357 versus the US average of $215, while the employer-provided family coverage premium is 6% higher in New York. It'll take much more than $27-billion taken from employers to subsidize the added individuals covered by insurance under ObamaCare.
We still use the words "premium" and "insurance" as if they still mean what they use to mean. I pay a "premium" to "insure" my car against theft, accidents...anything my insurance company will allow me to insure it for. And after paying the premium that they decide matches the probability of it happening. They don't insure fuel, oil changes, tires, windshield wipers etc. Is a checkup a unlikely event? Lab work?
And the healthy guy/maintains his car pays what the unhealthy guy/does not maintain his car pays as a "premium". If the government is telling the insurance companies what they have to cover and what they can charge as a premium then they're not really insurance companies...they're just an arm of the government.
So we either need to go back to what insurance really is or simply call "premiums" taxes and "insurance" government mandated healthcare.