Randy W
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We got the word our health insurance is going up 39% for 2010. Anyone else seeing the same? Socialism I guess
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The ONLY thing worse than losing.........IS QUITTING!!!!!!!
Lifetime member Wisconsin Trappers Assoc.
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BZZSAW
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Ouch, that would hurt. We just did our benefits last week. We have our health coverage through my wifes job. Her coverage went up 8%. I guess I should feel fortunate. As soon as Health Care reform is passed, I'm sure it will go back down.  
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B Curtis
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Mine actually went down $2 a month with the exact coverage as last year. I couldn't believe it.
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Briank
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21% here...and that's for the bare minimum. 
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Briank's Trophy Catfishing and Sturgeon Adventures
'09 Photo's<<
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Ben Garver
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My wife and I have seen a $70 to $100 a month increase every year for the last 4 years.  We've tried to find other companies but they won't cover a pre existing condition that NEEDS to be covered. We have been with this company for close to 10 years and have never met our deductible therefore they have never spent a dime on us!!! I come up with close to $60,000.00 that we have paid to them over 10 years.
I have one wish for healthcare reform and that is that companies can not deny you because of a pre existing condition. Let's get back to a little doctor/patient confidentiality!!
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Ben Garver
Bass Pro Shops Pro Staff
Salt Valley Guide Service - Guiding available on all Nebraska waters.
Call 402-890-3057
I say we work 2 days and fish 5!!!
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WADE74
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Just enrolled for next year and ours is going up 12% which isn't terrible but with the other "cuts" that our company made this year it adds up quickly
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Ruger2506
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Quote:
My wife and I have seen a $70 to $100 a month increase every year for the last 4 years. We've tried to find other companies but they won't cover a pre existing condition that NEEDS to be covered. We have been with this company for close to 10 years and have never met our deductible therefore they have never spent a dime on us!!! I come up with close to $60,000.00 that we have paid to them over 10 years.
I have one wish for healthcare reform and that is that companies can not deny you because of a pre existing condition. Let's get back to a little doctor/patient confidentiality!!
$60,000 is peanuts. All it will take is one incident and you and your wife can rack up $100,000 in a couple days. The odds are you'll get your money back, especially if there is a pre-existing condition that may cause adverse events sometime in the future.
While I agree with you that health care insurance and treatment prices are out of control. You are not in that bad of a position.
Just another way to look at it.
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"Have you ever wondered if the one dollar bills in your wallet or purse were ever in a stripper's butt crack?"
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Joe Scegura
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My wife and I have the BC/BS HSA plan. I can't think of anything better than this. Sure it has a high deductable but I've been on it for only three years and I'm so far ahead money wise compared to every other plan that I can't lose. I wonder why more people don't have this plan?? scared of the deductable I guess?
Maybe people wouldn't go in for hangnail or a cough if they actually had to pay for it. My plan is about $150 a month. My plan went up 2% this year. IMO, I can't see a reason for health care reform.
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Joe Scegura - Joe Scegura's Guide Service
"Walleye, Pike, Muskies & Panfish on Alexandria Area Lakes & Mille Lacs!
Ph# 320-260-9056
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James Holst
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Quote:
My wife and I have the BC/BS HSA plan. I can't think of anything better than this. Sure it has a high deductable but I've been on it for only three years and I'm so far ahead money wise compared to every other plan that I can't lose. I wonder why more people don't have this plan?? scared of the deductable I guess?
Maybe people wouldn't go in for hangnail or a cough if they actually had to pay for it. My plan is about $150 a month. My plan went up 2% this year. IMO, I can't see a reason for health care reform.
This is exactly the route I go and my policy is VERY reasonable in my opinion. I chose to take the high deductible and self-insure against the small stuff. My policy has a $1800 deductible and 100% coverage once that deductible is met. Cost per month is $163.
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James Holst - In-Depth Outdoors TV Host
IDA Guides Guide Service
Ph. 507-271-0362
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Ruger2506
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Quote:
My wife and I have the BC/BS HSA plan. I can't think of anything better than this. Sure it has a high deductable but I've been on it for only three years and I'm so far ahead money wise compared to every other plan that I can't lose. I wonder why more people don't have this plan?? scared of the deductable I guess?
Maybe people wouldn't go in for hangnail or a cough if they actually had to pay for it. My plan is about $150 a month. My plan went up 2% this year. IMO, I can't see a reason for health care reform.
BINGO
Health insurance needs to be treated as you would treat car insurance. Only used when it's appropriate.
I have the BC/BS HSA as well. My work pays the premium each month, plus contributes 1/2 of my yearly HSA contribution. Like you, I'm way ahead. I have way more than the deductible in the bank to be used whenever I need it. However after my deductible, It's all on BC/BS.
I think HSAs are the wave of the future.
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"Have you ever wondered if the one dollar bills in your wallet or purse were ever in a stripper's butt crack?"
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Joe Scegura
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Quote:
I think HSAs are the wave of the future.
This is the way I'd like to see things go, but I heard under some of the proposed health plans the HSA would be history?? This is proabably just speculation because I don't think they have a clue what they're going to do yet, do they?
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Joe Scegura - Joe Scegura's Guide Service
"Walleye, Pike, Muskies & Panfish on Alexandria Area Lakes & Mille Lacs!
Ph# 320-260-9056
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chomps
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HSA's have been around for over 10 years now, they were called Archer MSA (Med savings account) Thanks to Sen Archer for making this a more perm plan option. This really never caught on as a viable plan, at one time only self employed could purchase the plan, thanks to GW it was opened to all individuals not currently covered under group plans. I agree with what is already been covered, they are great, they have great tax benefits. One way insurers can keep premiums on the HSA high deductible health plans is to index your deductible, ex. your deductible can go up a small amount each year, gives you more out of pocket exposure, also keeps the annual premium increases in check. Because your deductible increases, this potentially allows more contributions to the savings account side of your HSA. If your government gets their hands on your health care as they want, the HSA would be eliminated (at least the tax advantage with the savings side of the equation). As things have and will change in the health bill, one writing had the government option priced at $300 per person per month, and you could keep your current individiual plan, but if you wanted to switch carriers or plans with your current carrier, you had no option but to go with the gov. option. This language has been watered down, but it still scares me. Health insurance is about 25% of my income.
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Pete
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Mike W
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Im not to sure if our HSA is working so hot for us. Our yearly cost is a little over 16000.00. That is about half premium and the other half in our HSA account. The HSA account has no problems getting completely used up with three kids and all that goes on with them. Our insurance will run about %30 percent of our income this year. The nice thing is it looks like we may be getting dropped to as we are on a business plan that is supposed to have more than one employee on it to participate. Sure do love dealing with this stuff.
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Mike Westman - www.HomeTownplumbing.net
Your twin cities plumbing experts!
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T Ellis
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It would be nice if the health insurance companies would offer plans with disappearing deductibles so each year those without claims their yearly deductible would be reduced. Kind of like some boat and auto insurance companies offer. This would help cut down on frivolous Dr visits and reward those who are healthy or don't abuse the system.
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A truly rich person is not one who has the most but one who needs the least.
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Cougareye
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I have the same opinion as Mike W. With kids, our HSA got all used up the two years we were on it. I never liked it and found myself not going for solid preventative stuff or taking my drugs like I should. I'm not one to go in for frivolous stuff in any instance.
I like paying a reasonable copay per visit instead of trying to come up with $200-$300 per visit in the beginning and very little to none in the end of the year.
ET 
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Minnesota Tom
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Doctor to patient, "I am sorry Mr. Smith. Your HMO no longer covers enemas, so I am going to have to slap the **** out of you."
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chippee
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ours is going from $57/wk to $63/wk for a family of 4 which isnt bad and with so many people using the er as a regular clinic they are covering practically nothing on an er visit anymore unless you are admitted
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Randy W
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Quote:
ours is going from $57/wk to $63/wk for a family of 4 which isnt bad
I'm $953 per month going to $1,387. We shopping out many different companies and plans 
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The ONLY thing worse than losing.........IS QUITTING!!!!!!!
Lifetime member Wisconsin Trappers Assoc.
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Joe Scegura
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Cougar, I'm not sure what you mean by all used up after two years? You're supposed to put money in tax free so you can use it to cover your deductable. There should be no, "coming up with $200-$300"? Also HSA's cover all preventative care 100%. The coverage is great, all you have to do is come up with the deductable if something major was to happen. Then for anything else you're covered a 100%.
If you put the cost difference between a regular $500 deductable plan and what you'd pay for the HSA plan into your health savings acount you'd always have more than enough in your account. Now for the best part you get to spend that money on ANYTHING health related; dental, glasses ect. or just keep it in there until you're old and grey. Try that with any other plan.
For exmple Randy you would have over 10,000 a year in the savings account. You could even pay the deductable for every person in your family every year and you'd still have money left over.
Do the math and you can't go wrong. I noticed something passed the house? so I guess we'll see what happens. I can be willing to bet I'll be paying double once we get this health care reformed What a joke.
I feel bad for you Randy that's a lot of money. My wife and I pay less than $4000 a year and we get to keep a bunch of it so it's really not even that much. I hope you find something that works for you.
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Joe Scegura - Joe Scegura's Guide Service
"Walleye, Pike, Muskies & Panfish on Alexandria Area Lakes & Mille Lacs!
Ph# 320-260-9056
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BZZSAW
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Joe,
I understand what Cougar is referring too. We put 4800.00 in our HSA last year on top of our monthly premium (our first year in this program). Granted our HSA monthly premium is way less than our previous monthly premium. At the beginning of the year, we had to lay out quite a bit of out of pocket money until our balance built up and we met our deductables. My wife has migranes (expensive prescriptions) and we had a few other health issues this past year. We will not have a problem using up our savings account money this year. I'm still a fan of this type of plan, it would be the cats [censored] for a family that didn't have to use their insurance much.
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smithkeith
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I got this email from a friend yesterday. Hope it is not true and if it is, that is defeated in the Senate.
JAIL FOR NO INSURANCE UNDER PELOSI BILL
The nonpartisan Joint Committee on Taxation reported that the House version of the health care bill specifies that those who don't buy health insurance and do not pay the fine of about 2.5% of their income for failing to do so can face a penalty of up to five years in prison!
The bill describes the penalties as follows:
* Section 7203 - misdemeanor willful failure to pay is punishable by a fine of up to $25,000 and/or imprisonment of up to one year.
* Section 7201 - felony willful evasion is punishable by a fine of up to $250,000 and/or imprisonment of up to five years." [page 3]
That anyone should face prison for not buying health insurance is simply incredible.
And how much will the stay-out-of-jail insurance cost? The Joint Committee noted that "according to a recent analysis by the Congressional Budget Office, the lowest-cost family non-group plan under HR 3862 (the Pelosi bill) would cost $15,000 by 2016."
Obama's bill only provides subsidies to help pay this enormous sum after families making about $45,000 have paid 8% of their income for insurance and after those earning a household income of about $65,000 have kicked in 12%.
The Joint Committee on Taxation noted that while the Senate Finance Committee version of the bill did not include criminal penalties, "The House Democrats' bill, however, contains no similar language protecting American citizens from civil and criminal tax penalties that could include a $250,000 fine and five years in jail."
Remember that simply buying catastrophic insurance, which may be all the young uninsured family needs, does not constitute having adequate insurance under the Obama bill. It has to be total, all inclusive insurance for one to avoid the penalties in the legislation. That is because Obama wants to use these premiums from the currently uninsured to subsidize his program.
So Ms. Pelosi is requiring Americans to pay these steep premiums, or a fine of 2.5% of their income for not doing so, or, potentially, go to prison!
Anyone who is familiar with the U.S. prison system can attest to the large number of people incarcerated for similar white collar offenses. That the House bill would treat failure to carry health insurance or pay the fine as tax evasion or willful nonpayment is amazing!
And where is the constitutional basis for requiring everyone to buy insurance? It is OK for a state to make drivers pay for automobile insurance. Driving is not a right, it is a privilege, and the state may regulate it by demanding insurance. Banks can require homeowners to buy insurance as a condition of their lending. But how does the federal government get the right to require a family to buy health insurance or face a civil penalty and, failing that, to face either a criminal fine or jail?
The tough penalties in the House bill are designed to keep insurance companies from opposing the bill. It was the relaxation of these penalties in the Senate Finance Committee version of the legislation that led the companies to reverse field and come out in opposition to the legislation. The insurance companies want to see their coffers swell when tens of millions of new customers are required to buy insurance. The more draconian the penalties for failing to pay them large sums of money to pad their bottom lines, the better.
The more you read this bill, the worse it gets.
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If your lucky enough to be at the lake....your lucky enough!!!
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Mike Stephens
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Bout time the Dem's get their heads out of their  They can try to incarcerate me for non-compliance,but they'd have to pry my 7mm mag. from my hands first  Start stockpiling your ammo boys
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A million Thank You's to all you vets!
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