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Under Obamacare, Premiums And Deductibles Are Rising

- October 11, 2015

Clinton Blames Rising Costs, Premiums On Glitches And Tells Consumers To Just “Keep Shopping”

Clinton Described The Soaring Costs Of Health Care Under ObamaCare As “Glitches.” RADDATZ: “And we're going to move on to health care. Secretary Clinton, the Department of Health and Human Services says more than 17 million Americans who are not insured now have health coverage because of Obamacare. But for Americans who already had health insurance the cost has gone up 27 percent in the last five years while deductibles are up 67 percent, health care costs are rising faster than many Americans can manage. What's broken in Obamacare that needs to be fixed right now? And what would you do to fix it?” CLINTON: “Well, I would certainly build on the successes of the Affordable Care Act and work to fix some of the glitches that you just referenced.” (Remarks At The Democrat Primary Debate, Manchester, NH, 12/19/15)

At A Town Hall, Clinton Told A Woman To Just “Keep Shopping” To Avoid Her High Premiums. CLINTON:  “OK.  Well, first of all, let me say I want very much to get the costs down, and that is going to be my mission, because I do think that for many, many people, but there are exceptions like what you are telling me, having the Affordable Care Act has reduced costs, has created a real guarantee of insurance, because if you'd had a pre-existing condition under the old system, you wouldn't have gotten affordable insurance. So it has done a lot of really good things, but, it has become increasingly clear that we are going to have to get the costs down.  And what I would like to see happen for you and your family is that if we can get the co-pays down, the deductibles down, get the prescription drug costs under control, that you would find an affordable plan on your exchange. And one thing that I would like you to do, and I'm not saying it's going to make a difference, but I would like you to just go shopping on that exchange. As I understand it, Ohio has the federal exchange, is that right, Joyce?  Because they did not set up a state exchange. So you have the federal exchange.  And to go on and keep looking to see what the prices are, because we have to get more competition back into the insurance market.  One thing that I want to work on with my friends from Congress who are here is we've got the get more non-profits that are capable of selling insurance back into the insurance market. You know, Blue Cross and Blue Shield used to be non-profits.  And then they transferred themselves into for-profit companies.  And there was some effort made under the Affordable Care Act to get some competition from non-profit institutions, some of them worked and a lot of them didn't. I want to know what we can do, because if you could get a range of insurers, some of who were not-for-profit companies, that would lower costs. So there is a number of things I am looking at.  And what I want to assure you and your family of is I will do everything I can as president, working with members of Congress where necessary, to try to get the costs down. But I do want you to keep shopping, because what you are telling me is much higher than what I hear from other families, and so I want to be sure that if there is a better option out there for you, you're going to be able to take advantage of it.  ” (Remarks At Democratic Presidential Primary Town Hall, Columbus, Ohio, 3/13/16)

Health Care Premiums And Deductibles Are On The Rise For Millions Of Americans

Since Obama Took Office In 2008, Annual Premiums For Families Increased Almost $5,000, Or 38%. (“2015 Employer Health Benefits Survey,” Kaiser Family Foundation, 9/23/15)

"ObamaCare Premiums Are Planned To Rise By 7.5% In 2016." (Arkady Bukh, "Obamacare Lawsuit: Old News Still Making News,"The Huffington Post's "HuffPost Politics," 2/10/16)

Some States Will See Premiums Rise By As Much As 31% "While the national average for premium increases is 7.5%, in some states, like Alaska, the jump could be as high as 31%. In Indiana, premiums are projected to decrease by over 12%." (Arkady Bukh, "Obamacare Lawsuit: Old News Still Making News," The Huffington Post's "HuffPost Politics," 2/10/16)

Deductibles Are So High, Many Cannot Afford To Use Their Insurance. "Even with help paying premiums, many moderate-income Americans are finding that their deductibles and copayments are so high they cannot afford to use their insurance." (Julie Rovner, Kaiser Health News, "Fact-Checking Candidates On The Affordable Care Act, CNN, 2/5/16)

80% Of Bronze Level Plans Will Raise Out-Of-Pocket Costs in 2016. "More than half of the midrange 'silver' plans are boosting the out-of-pocket costs enrollees must pay, while more than 80% of the less-expensive 'bronze' plans are doing so." (Louise Radnofsky, Paul Overberg And Stephanie Armour, "Rising Rates Pose Challenge To Health Law," The Wall Street Journal, 11/18/15)

ObamaCare's High Deductibles Are Leaving Many ObamaCare Consumers Paying For Insurance That They Can't Afford To Use. "Obama administration officials, urging people to sign up for health insurance under the Affordable Care Act, have trumpeted the low premiums available on the law's new marketplaces. But for many consumers, the sticker shock is coming not on the front end, when they purchase the plans, but on the back end when they get sick: sky-high deductibles that are leaving some newly insured feeling nearly as vulnerable as they were before they had coverage." (Robert Pear, "Many Say High Deductibles Make Their Health Law Insurance All but Useless," The New York Times , 11/14/15)

  • "The Internal Revenue Service Defines A High-Deductible Health Plan As One With An Annual Deductible Of At Least $1,300 For Individual Coverage Or $2,600 For Family Coverage." (Robert Pear, "Many Say High Deductibles Make Their Health Law Insurance All but Useless," The New York Times , 11/14/15)

According To A Review By The New York Times, "In Many States, More Than Half The Plans Offered For Sale" On The ObamaCare Exchange "Have A Deductible Of $3,000 Or More." " In many states, more than half the plans offered for sale through HealthCare.gov, the federal online marketplace, have a deductible of $3,000 or more, a New York Times review has found. Those deductibles are causing concern among Democrats - and some Republican detractors of the health law, who once pushed high-deductible health plans in the belief that consumers would be more cost-conscious if they had more of a financial stake or skin in the game." (Robert Pear, "Many Say High Deductibles Make Their Health Law Insurance All but Useless," The New York Times , 11/14/15)


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