<div dir="ltr">Hi Gary,<div><br></div><div>Premiums for 2014 and for 2015 are apples vs. apples, and the increase in premiums is going down, just as they did in Mass. Before ACA they were not headed down. Please know that I did not support the unnecessarily complex ACA (which still supports $10 million plus sarlaried insurance executives flying around in private jets), but instead supported Medicare for All. And if the rest of the civilized world is our guide, then premiums would really be going down.</div><div><br></div><div>nfg</div></div><div class="gmail_extra"><br><div class="gmail_quote">On Thu, Feb 5, 2015 at 1:35 PM, Gier, Nicholas (<a href="mailto:ngier@uidaho.edu">ngier@uidaho.edu</a>) <span dir="ltr"><<a href="mailto:ngier@uidaho.edu" target="_blank">ngier@uidaho.edu</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<div dir="ltr">
<div style="font-size:12pt;color:#000000;background-color:#ffffff;font-family:Calibri,Arial,Helvetica,sans-serif">
<p>Hi Gary,</p>
<p><br>
</p>
<p>The figures I gave were projections for 2015. You are citing 2014 figures. The rate of increase, just as in Mass., are going down steadily. The people who lost their plans last year will most likely see the same 5-6% over premiums that were going up and
up before the ACA.</p>
<p><br>
</p>
<p>nfg<br>
</p>
<div style="color:rgb(33,33,33)">
<hr style="display:inline-block;width:98%">
<div dir="ltr"><font style="font-size:11pt" color="#000000" face="Calibri, sans-serif"><b>From:</b> <a href="mailto:vision2020-bounces@moscow.com" target="_blank">vision2020-bounces@moscow.com</a> <<a href="mailto:vision2020-bounces@moscow.com" target="_blank">vision2020-bounces@moscow.com</a>> on behalf of Gary Crabtree <<a href="mailto:moscowlocksmith@gmail.com" target="_blank">moscowlocksmith@gmail.com</a>><br>
<b>Sent:</b> Thursday, February 5, 2015 11:16 AM<br>
<b>To:</b> Nicholas Gier<br>
<b>Cc:</b> vision2020<br>
<b>Subject:</b> Re: [Vision2020] ObamaCare Premiums will increase 5-6% for 2015</font>
<div> </div>
</div><div><div class="h5">
<div>
<div dir="ltr">
<div class="gmail_default" style="font-family:verdana,sans-serif">"<span style="font-family:Georgia,serif">With regard to Gary
<span>Crabtree's</span> claim that the millions who lost their health plans received new plans with higher premiums, all that I could find is what is appended below."</span></div>
<div class="gmail_default" style="font-family:verdana,sans-serif"><br>
</div>
<div class="gmail_default" style="font-family:verdana,sans-serif">"<span style="font-family:Georgia,serif">Without exact data, I can speculate with some confidence that those who lost their plans are in better and more comprehensive plans at perhaps slightly
higher premiums.</span></div>
<div class="gmail_default" style="font-family:verdana,sans-serif"><span style="font-family:Georgia,serif"><br>
</span></div>
<div class="gmail_default" style="font-family:verdana,sans-serif"><span style="font-family:Georgia,serif"><font face="arial,helvetica,sans-serif">I suppose that I should accept any admission that I was right as a miracle and call it good but, leaving well enough
alone is just not in my nature. You admit the higher part of my contention, let's look at the "slightly."</font></span></div>
<div class="gmail_default" style="font-family:verdana,sans-serif"><span style="font-family:Georgia,serif"><font face="Arial"><br>
</font></span></div>
<div class="gmail_default" style="font-family:verdana,sans-serif"><span style="font-family:Georgia,serif"><font face="Arial">Since
<span>CNBC</span> is a source you seem to like, this from their web site:</font></span></div>
<div class="gmail_default" style="font-family:verdana,sans-serif"><span style="font-family:Georgia,serif"><font face="Arial"><br>
</font></span></div>
<div class="gmail_default" style="font-family:verdana,sans-serif"><span style="font-family:Georgia,serif"><font face="Arial">"<a href="http://www.healthpocket.com/healthcare-research/infostat/obamacare-2014-premiums-higher-than-pre-reform-market?_ga_variation=1&utm_expid=60784014-14.Zlx56I0SQAqKSdO9tJpZVg.1&utm_referrer=http://www.healthpocket.com/#.VFPMO_nF-bM" target="_blank"><font color="#0066cc">In
analysis published this week</font></a>, the website <a href="http://www.healthpocket.com/" target="_blank">
<font color="#0066cc"><span>HealthPocket</span>.com</font></a> compared the average premiums people paid in 2013, before
<span>Obamacare</span> plans went on sale, to 2014 plan prices.
<span>HealthPocket</span> looked at premiums paid by non-smoking men and women, ages 23, 30 and 63, in all 50 states and Washington, D.C.
<p>"<span>HealthPocket</span> found that the average health insurance premium increased by double digits for each group examined, though some groups saw a much steeper increase than others," the report said.
</p>
</font></span></div>
<div class="gmail_default" style="font-family:verdana,sans-serif"><span style="font-family:Georgia,serif"><font face="Arial"><br>
</font></span></div>
<div class="gmail_default" style="font-family:verdana,sans-serif"><span style="font-family:Georgia,serif"><font face="Arial">For 23-year-old non-smoking men, the average premium for all plans jumped 78 percent in 2014, the report said. Women of the same age
saw a 45-percent hike.
<p>For 30-year-<span>olds</span>, the increases were 73 percent for men and 35 percent for women. Only the 63-year-old age group saw bigger price hikes for women, with females paying 37.5 percent more for insurance on average in 2014,
and men paying an average of nearly 23 percent more."</p>
<p><br>
</p>
<p>Perhaps your definition of slight and mine are slightly different?</p>
<p><br>
</p>
<p>g</p>
</font></span></div>
<div class="gmail_default" style="font-family:verdana,sans-serif"><span style="font-family:Georgia,serif"><font face="Arial"><br>
</font></span></div>
<div class="gmail_default" style="font-family:verdana,sans-serif"><span style="font-family:Georgia,serif"><font face="Arial"><br>
</font></span></div>
</div>
<div class="gmail_extra"><br>
<div class="gmail_quote">On Wed, Feb 4, 2015 at 6:17 PM, Nicholas Gier <span dir="ltr">
<<a href="mailto:ngier006@gmail.com" target="_blank">ngier006@gmail.com</a>></span> wrote:<br>
<blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
<div dir="ltr">
<p class="MsoNormal"><span style="font-family:Georgia,serif">Visionaries:</span></p>
<p class="MsoNormal"><span style="font-family:Arial,sans-serif"> </span></p>
<p class="MsoNormal"><span style="font-family:Georgia,serif">With regard to Gary Crabtree's claim that the millions who lost their health plans received new plans with higher premiums, all that I could find is what is appended below. As was the case in RomneyCare,
Massachusetts led the nation in declining health care premiums, and now ObamaCare is effecting that trend nation-wide. If we had done Medicare for All, premiums would be even lower. For years health care premiums were increasing at double-digit rates and administrative
costs for pre-ACA plans were in the 20-30 percent range with Medicare admini. costs below 10 percent.</span><span style="font-family:Arial,sans-serif"></span></p>
<p class="MsoNormal"><span style="font-family:Arial,sans-serif"> </span></p>
<p class="MsoNormal"><span style="font-family:Georgia,serif">Without exact data, I can speculate with some confidence that those who lost their plans are in better and more comprehensive plans at perhaps slightly higher premiums.</span><span style="font-family:Arial,sans-serif"></span></p>
<p class="MsoNormal"><span style="font-family:Arial,sans-serif"> </span></p>
<p style="margin:0in 0in 13.2pt"><span style="font-family:Georgia,serif"><a href="http://finance.yahoo.com/news/obamacare-2015-low-premium-increases-110000415.html" target="_blank">http://finance.yahoo.com/news/obamacare-2015-low-premium-increases-110000415.html</a></span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 13.2pt"><span style="font-family:Georgia,serif">On average, consumers can expect modest increases of about 5.6 percent from last year according to <a href="http://www.pwc.com/us/en/health-industries/health-research-institute/aca-state-exchanges.jhtml" target="_blank">PriceWaterhouseCooper</a>,
which analyzed data from 43 states and Washington D.C. </span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 13.2pt"><span style="word-spacing:1px;float:right"><span style="font-family:Georgia,serif">To be sure, health premiums increase each year and have long before Obamacare. Now, health experts say that because of several provisions in
the law, premium price growth is actually slowing. </span></span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 13.2pt"><span style="font-family:Georgia,serif">The average proposed premium was about $381. Of course, the price of premiums varies widely from region to region. In Colorado, for example, rates range from a 22 percent decrease to a
35 percent increase, according to the study. </span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 13.2pt"><span style="font-family:Georgia,serif">A separate analysis by the <a href="http://www.rwjf.org/content/dam/farm/reports/issue_briefs/2014/rwjf416395" target="_blank">Robert Wood Johnson Foundation</a> found that premiums would
increase an average of less than 5 percent from last year. </span><span style="font-family:Arial,sans-serif"></span></p>
<h1 style="margin:0in 0in 0pt"><span style="font-family:Georgia,serif;font-size:10pt;font-weight:normal">Sticker shock? Not. Obamacare's proposed 2015 rates</span><span style="font-family:Arial,sans-serif"></span></h1>
<p class="MsoNormal"><span style="font-family:Georgia,serif"><a href="http://www.cnbc.com/id/100731877" target="_blank">Dan Mangan</a></span><span style="font-family:"Times New Roman",serif"></span></p>
<p class="MsoNormal"><span style="font-family:Georgia,serif">Friday, 3 Oct 2014 | 12:53 PM ET<span style="overflow:hidden">CNBC.com</span></span></p>
<p style="margin:0in 0in 4.8pt"><span style="font-family:Georgia,serif"> </span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 4.8pt"><span style="font-family:Georgia,serif">Dire warnings by Obamacare opponents of dramatically higher insurance premium prices in 2015 are not being borne out nationally, according to <a href="http://www.pwc.com/us/en/health-industries/health-research-institute/aca-state-exchanges.jhtml" target="_blank">new
data</a> showing proposed prices are rising moderately, on average, nationally.</span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 4.8pt"><span style="font-family:Georgia,serif">While the single-digit average price increases, coupled with a rise in the number of insurers selling Obamacare plans for next year, suggest enrollment could remain fairly strong in the
new form of insurance in the short term, questions remain about relative price stability over the long term.</span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 4.8pt"><span style="font-family:Georgia,serif">Six states and the District of Columbia already issued approved rates for individual insurance plans in 2015, and the average premium is rising just 2.5 percent, PricewaterhouseCoopers found
in its <a href="http://www.pwc.com/us/en/health-industries/health-research-institute/aca-state-exchanges.jhtml" target="_blank">updated report</a>. These plans go on sale Nov. 15. </span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 4.8pt"><span style="font-family:Georgia,serif">The average premium in those states—across different price tiers and ages—would be $327 per month. But that average doesn't reflect the effect of federal subsidies that about 85 percent
of Obamacare enrollees receive. Those subsidies, which are based on income, can substantially cut actual payments.</span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 4.8pt"><span style="font-family:Georgia,serif">And in the 38 states and D.C. that have finalized rates or released proposed rates for such plans, the average premium would rise 6 percent, PwC said. The average premium would be $382
per month, before subsidies are factored in.</span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 4.8pt"><span style="font-family:Georgia,serif">Just one state so far, Louisiana, has reported that rates are proposed to rise more than 10 percent. Cajun State residents are faced with an average proposed premium hike of 15.3 percent
for individual plans. At the other end of the spectrum are Oregon's finalized rates, which are 2.5 percent lower than that state's 2014 premiums.</span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 4.8pt"><span style="font-family:Georgia,serif">"I think it's probably coming as a relief to many that we're not seeing double-digit rate increases," said Ceci Connolly, managing director of PwC's Health Research Institute. "I think
that the worries about excessively high costs and prices have not materialized."</span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 4.8pt"><span style="font-family:Georgia,serif">Connolly said the 6 percent average tracks "very closely what the average [premium increase] is in in the employer-based market," which is where most Americans get health coverage. And
that average is 2.2 percentage points lower than what PwC found when it first began tracking proposed rate hike disclosures in states in mid-summer, she said.</span><span style="font-family:Arial,sans-serif"></span></p>
<p style="margin:0in 0in 13.2pt"><span style="font-family:Georgia,serif"> </span><span style="font-family:Arial,sans-serif"></span></p>
<p class="MsoNormal"><span style="font-family:Georgia,serif;font-size:11pt"><br>
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