Have your health benefits/premiums changed with ACA?

Discussion in 'Off-Topic' started by besserheimerphat, Oct 15, 2013.

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Have your health premiums or benefits changed with the ACA?

  1. My premiums have/will increase.

    59 vote(s)
    48.4%
  2. My premiums have/will not change.

    45 vote(s)
    36.9%
  3. My premiums have/will decrease.

    10 vote(s)
    8.2%
  4. I am/will receive benefits that were previously unavailable.

    4 vote(s)
    3.3%
  5. I am/will no longer receive any benefits that were previously available.

    4 vote(s)
    3.3%
  1. besserheimerphat

    besserheimerphat Well-Known Member

    Apr 11, 2006
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    Mount Vernon, WA
    I don't want political discussion, just curious how this is effecting people on CF.

    I have insurance through my employer and had no changes.
     
  2. Clonefan94

    Clonefan94 Well-Known Member

    Oct 18, 2006
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    Graphic Designer
    Schaumburg, IL
    Nope.

    BTW - Good luck keeping this non-political. I'd like to be impressed with CF today.
     
  3. MNCyGuy

    MNCyGuy Well-Known Member

    Jan 14, 2009
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    Des Moines
    We're having a big meeting Thursday to hear about all the supposedly big changes to our benefits, so I should know soon. We are also still in the process of merging with another firm, however, so I have a feeling a lot of these changes would be happening even without ACA. I opt out of a lot of our benefits because we're on my wife's insurance, so honestly as long as they don't touch my lump sum payment for opting out it's no skin off my back.
     
  4. atlantacyclone

    atlantacyclone Well-Known Member

    Sep 29, 2007
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    Real Estate
    Fontvieille Monaco
    My premiums doubled... nice. Glad I can help others... and by others I mean new IRS agents with nice new cushy jobs!
     
  5. NobodyBeatsCy

    NobodyBeatsCy Well-Known Member

    Apr 17, 2008
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    Clive, IA
    Premiums have increased and now being required to have biometrics measured - blood test for nicotine, blood sugar, blood pressure and BMI. Must hit goals to earn incentives for health savings account.

    BMI needs to be at 30 or lower, Blood Sugar at or less 100, BP 140/90 or better. No nicotine in your system - this one determines how much your premium is
     
  6. mtowncyclone13

    mtowncyclone13 Well-Known Member

    Oct 10, 2012
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    grundy center
    My wife is a teacher and their single plan isn't changing. I'm on my work's single plan and pay $75/month. So far they said it's not changing but with the state property tax law changing we will lose some money so they said expect larger increases in the next few years.
     
  7. ianoconnor

    ianoconnor Well-Known Member

    Nov 11, 2007
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    Urbandale
    My wife is a teacher with DSM Public, which provides free coverage. I think this next year she has to do some optional health activities, tests, etc otherwise it costs like $200 for the year.
     
  8. ThatllDoCy

    ThatllDoCy Well-Known Member

    Sep 20, 2009
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    Entrepreneur
    Chicago, IL
    Ours is going up 3%.
     
  9. rudiskilz

    rudiskilz Member

    Apr 28, 2010
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    Teacher
    West Des Moines
    yupp i am a teacher. this is right. so we have to pay 200 bucks a year for insurance. I get 50 bucks off for creating an account on welmarks website, i get 50 bucks off for getting a physical, then i need to sign up for 2 other things activity related to get the other money off.

    to me it is no big deal at all to do this. just jumping through the hoops. and like said above, wife is still on and no extra payments
     
  10. CyFan61

    CyFan61 Well-Known Member

    Oct 25, 2010
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    #10 CyFan61, Oct 15, 2013
    Last edited: Oct 15, 2013
    Your poll is poorly designed... The amount of the premium and the level of coverage are different items. I didn't know if I should choose from one of the first three responses, or one of the bottom two.
     
  11. cyfanatic

    cyfanatic Well-Known Member

    Oct 18, 2006
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    Cedar Rapids, Iowa
    One thing that people need to consider is the amounts of increases in past years...so some people's rates that increase this next year still might not be as much of an increase as they would have experienced without the ACA going into effect.

    My health insurance rates have gone up over the past 5+ years at rates extremely larger than any other living costs have increased over the same amount of time.
     
  12. Clonefan94

    Clonefan94 Well-Known Member

    Oct 18, 2006
    7,573
    261
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    Graphic Designer
    Schaumburg, IL
    Is this a direct result of the ACA or is this just what's happening when everything gets renewed this year?

    I ask, because my wife's plan has had similar requirements in place for a couple of years now. And according to a friend of mine who's an insurance broker for large companies, it was a trend that was going to probably happen with or without the ACA for companies to take less of the burden and put more on the employees to save some money.

    I think the cheapest increase I ever saw one year was 10% to the premium and that was back in 2005. Double is rough though.
     
  13. dmclone

    dmclone Well-Known Member

    Oct 20, 2006
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    #13 dmclone, Oct 15, 2013
    Last edited: Oct 15, 2013
    100% increase on my HSA

    We have received a discount if we get health exams for the last 7 years. It's now moving towards big brother where they will grab your blood and see how bad you've been. I find it amusing that they look for nicotine but not pot. They are the ones who pay for a large portion so I can't complain. I assume the government will have similar tests for those who are subsidized?
     
  14. MNCyGuy

    MNCyGuy Well-Known Member

    Jan 14, 2009
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    Des Moines
    A five year span, eh? Seems like we should all be blaming Obama for those cost increases as well!
     
  15. Al_4_State

    Al_4_State Well-Known Member

    Mar 27, 2006
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    Mine isn't changing. My single plan is actually covered by my employer, but eventually when we have kids, my wife and eventual kid will slide over to it. I have no idea what that will cost and if it's more than it is now. I haven't heard anyone else around here ********, and that includes plenty of Republicans who breathe fire at the mention of Obama.
     
  16. MartyFine

    MartyFine Well-Known Member

    Jul 7, 2009
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    Warren Co., IA
  17. MNCyGuy

    MNCyGuy Well-Known Member

    Jan 14, 2009
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    Des Moines
    If you have an HSA you could still hold out hope that ACA actually accomplishes it's goals and drives your cost per visit down and you still come out ahead, right?
     
  18. NobodyBeatsCy

    NobodyBeatsCy Well-Known Member

    Apr 17, 2008
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    Clive, IA
    I will pay $231 per month on medical, $45 per month on dental and $30 per month on vision. $1,400 deductable, out of pocket limit of $4,000
     
  19. JY07

    JY07 Well-Known Member

    Aug 20, 2009
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    I'm not sure how you can relate increases specifically to this law: my premiums had probably gone up 100%* over the past 4 years

    *- I'm using a percentage since that's what all of the other single coverage HSA people on here are doing, and saying 100% is a lot more impressive than saying +$20 a month
     
  20. MNCyGuy

    MNCyGuy Well-Known Member

    Jan 14, 2009
    11,585
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    Des Moines
    From my experience, going onto the family plan is where insurance really starts to cost you money. Hopefully the cost difference between two singles and one family won't be as extreme for you.
     

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