By Invitation Only

Operational needs

Virescit Vulnere Virtus
At what point is it no longer wise to even have insurance? At $1000/mo, you could have put back 12g's, after a year, to put towards whatever medical costs came up. If you just so happen to get hit with a doozy, the resulting monthly medical payments would be nowhere near the $1000/mo you would have been paying otherwise, right?
Because the government REQUIRES you to.
 

FrigidFTSup

Resident Suit
Not that there’s anything wrong with playing with balls....
2AF1FC02-B636-4975-98A5-FFDF62484D41.gif
 

oldngray

nowhere special
Come on, we know you grew up in a time where boys and girls couldn't be near each other except for church.

Almost true. We did have 1 girl on our team. She sued the school because there was no girls team. A real dog and had a bad attitude so we loved getting her mad. She had fancy tennis lessons and was good at baseline volleys but hit it hard or use garbage shots and she fell apart.

Some of the girls on the teams we played against were real cuties though.
 

rod

Retired 23 years
Anybody who thinks baseball or soccer was better than golf is out of their gosh darn mind. We had a blast. We'd load up our golf bags with beer and get drunk during practice. Didn't have to take gym because we did a "sport", played the nicest courses in the state. And the whole team was like me. Just a little off their rocker, but not enough that other people are like...wtf


I wrestled a bit in Jr. High but didn't do any sports in High School. I was too busy stealing the jocks girlfriends because I had a car and most of them didn't..
 

burrheadd

KING Of GIFS
Almost true. We did have 1 girl on our team. She sued the school because there was no girls team. A real dog and had a bad attitude so we loved getting her mad. She had fancy tennis lessons and was good at baseline volleys but hit it hard or use garbage shots and she fell apart.

Some of the girls on the teams we played against were real cuties though.

Did ya wear a skirt or a skort?
 

Wally

BrownCafe Innovator & King of Puns
At what point is it no longer wise to even have insurance? At $1000/mo, you could have put back 12g's, after a year, to put towards whatever medical costs came up. If you just so happen to get hit with a doozy, the resulting monthly medical payments would be nowhere near the $1000/mo you would have been paying otherwise, right?
How Dare you try to starve children and kill old folks!
 

MAKAVELI

Well-Known Member
Because the government REQUIRES you to.
Actually they don't.
Blue Cross Blue Shield of Tennessee issued a press release on June 30, going into great detail about their proposed rate increase for 2018. Their actuarial memo in their rate filing indicates that their average proposed rate increase is 21.4 percent, but that the majority of that is due to concerns that the Trump Administration won’t enforce the individual mandate, and the uncertainty surrounding ongoing funding for cost-sharing subsidies (the Trump Administration could cut off funding for these subsidies, and has threatened to do so on more than more occasion; they’re also the subject of an ongoing lawsuit. But insurers are still on the hook to provide more robust coverage to low-income enrollees who select silver plans, even if the federal government stops paying them to do so — this is why TDCI allowed insurers to inflate the cost of silver plans for 2018).

The press release from Blue Cross Blue Shield of Tennessee notes that of the 21.4 percent rate increase they proposed (which was later approved by TDCI), 14 percentage points are due to the possible lack of funding for cost-sharing subsidies, and 7 percentage points are due to concerns that the individual mandate won’t be well enforced, which will result in a sicker risk pool (healthy people are the ones likely to drop coverage if the mandate isn’t enforced; sick people will maintain their coverage regardless).

So the rate increase would apparently be just 0.4 percent if it weren’t for the Trump Administration’s refusal to commit to funding cost-sharing reductions and enforcing the individual mandate. Instead, they proposed an average rate increase of 21.4 percent, and state regulators had no choice but to approve it.

Cigna initially filed an average rate increase of 42.1 percent (with increases that range from 12.2 percent to 182.2 percent), and revised it in August to an average of 36.5 percent, after opting to eliminate — rather than renew — some plans. They note that 14.1 percentage points of this is due to the fact that the Trump Administration has not committed to funding cost-sharing subsidies. Their initial proposed rate increase would have been 28 percent otherwise.

Oscar is new to the Tennessee market, so a rate increase is not applicable to them.

Source: Tennessee health insurance marketplace: history and news of the state’s exchange: Obamacare enrollment
Follow us: @EyeOnInsurance on Twitter | healthinsurance.org on Facebook
 

Operational needs

Virescit Vulnere Virtus
Actually they don't.
Blue Cross Blue Shield of Tennessee issued a press release on June 30, going into great detail about their proposed rate increase for 2018. Their actuarial memo in their rate filing indicates that their average proposed rate increase is 21.4 percent, but that the majority of that is due to concerns that the Trump Administration won’t enforce the individual mandate, and the uncertainty surrounding ongoing funding for cost-sharing subsidies (the Trump Administration could cut off funding for these subsidies, and has threatened to do so on more than more occasion; they’re also the subject of an ongoing lawsuit. But insurers are still on the hook to provide more robust coverage to low-income enrollees who select silver plans, even if the federal government stops paying them to do so — this is why TDCI allowed insurers to inflate the cost of silver plans for 2018).

The press release from Blue Cross Blue Shield of Tennessee notes that of the 21.4 percent rate increase they proposed (which was later approved by TDCI), 14 percentage points are due to the possible lack of funding for cost-sharing subsidies, and 7 percentage points are due to concerns that the individual mandate won’t be well enforced, which will result in a sicker risk pool (healthy people are the ones likely to drop coverage if the mandate isn’t enforced; sick people will maintain their coverage regardless).

So the rate increase would apparently be just 0.4 percent if it weren’t for the Trump Administration’s refusal to commit to funding cost-sharing reductions and enforcing the individual mandate. Instead, they proposed an average rate increase of 21.4 percent, and state regulators had no choice but to approve it.

Cigna initially filed an average rate increase of 42.1 percent (with increases that range from 12.2 percent to 182.2 percent), and revised it in August to an average of 36.5 percent, after opting to eliminate — rather than renew — some plans. They note that 14.1 percentage points of this is due to the fact that the Trump Administration has not committed to funding cost-sharing subsidies. Their initial proposed rate increase would have been 28 percent otherwise.

Oscar is new to the Tennessee market, so a rate increase is not applicable to them.

Source: Tennessee health insurance marketplace: history and news of the state’s exchange: Obamacare enrollment
Follow us: @EyeOnInsurance on Twitter | healthinsurance.org on Facebook
My eyes just rolled back in my head and not in a good way. Cliff notes please. Lol.
 
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