October 25, 2009
Small Business Faces Sharp Rise in Costs of Health Care
By REED ABELSON
NY Times

As Congress nears votes on legislation that would overhaul the health
care system, many small businesses say they are facing the steepest rise
in insurance premiums they have seen in recent years.

Insurance brokers and benefits consultants say their small business
clients are seeing premiums go up an average of about 15 percent for the
coming year — double the rate of last year’s increases. That would mean
an annual premium that was $4,500 per employee in 2008 and $4,800 this
year would rise to $5,500 in 2010.

The higher premiums at least partly reflect the inexorable rise of
medical costs, which is forcing Medicare to raise premiums, too. Health
insurance bills are also rising for big employers, but because they have
more negotiating clout, their increases are generally not as steep.

Higher medical costs aside, some experts say they think the insurance
industry, under pressure from Wall Street, is raising premiums to get
ahead of any legislative changes that might reduce their profits.

- - -

Yeah, like we really truly need for-profit health insurers who rape all
of us repeatedly.

H the K wrote:
October 25, 2009
Small Business Faces Sharp Rise in Costs of Health Care
By REED ABELSON
NY Times

As Congress nears votes on legislation that would overhaul the health
care system, many small businesses say they are facing the steepest rise
in insurance premiums they have seen in recent years.

[ snip ]

Too bad congress is greasing it's lips and sharpening their teath to
take cut off of the health care spending for it's own agendas of statism
and Obamanation.

Maybe they should, provided they give a damn about middle clas Americans
make it easier for competition and rules that allow new blood into the
industry. As it stands, you would need $10B working capital to start a
new health care company. Obsceny high needs high returns.

But if governemtn does it, they can lower the standard of care,
line-ups, rationing and skim the difference for government spending.

Ever wonder why government wants this through general revenue? To skim
your health care dollars. Easier than raising taxes. Government needs
raise it's incoming cash flow, Obamanation is expensive at $1.3 trillion
debt-spend in just 8 or 9 months.

On 10/24/09 7:30 PM, Canuck57 wrote:
H the K wrote:
October 25, 2009
Small Business Faces Sharp Rise in Costs of Health Care
By REED ABELSON
NY Times

As Congress nears votes on legislation that would overhaul the health
care system, many small businesses say they are facing the steepest
rise in insurance premiums they have seen in recent years.

[ snip ]

Too bad congress is greasing it's lips and sharpening their teath to
take cut off of the health care spending for it's own agendas of statism
and Obamanation.

Maybe they should, provided they give a damn about middle clas Americans
make it easier for competition and rules that allow new blood into the
industry. As it stands, you would need $10B working capital to start a
new health care company. Obsceny high needs high returns.

But if governemtn does it, they can lower the standard of care,
line-ups, rationing and skim the difference for government spending.

Ever wonder why government wants this through general revenue? To skim
your health care dollars. Easier than raising taxes. Government needs
raise it's incoming cash flow, Obamanation is expensive at $1.3 trillion
debt-spend in just 8 or 9 months.



Sorry, but I give no credibility whatsoever to your side. Conserative
Republicans have an agenda that has nothing to do with helping middle
class Americans get, keep, and afford decent health care. I have no
interest in the bull**** being spewed by Limbaugh, Palin, Beck, or your
congressional leaders. **** you and everyone on your side of the
ship...which you are sinking.

"H the K" wrote in message
m...
On 10/24/09 7:30 PM, Canuck57 wrote:
H the K wrote:
October 25, 2009
Small Business Faces Sharp Rise in Costs of Health Care
By REED ABELSON
NY Times

As Congress nears votes on legislation that would overhaul the health
care system, many small businesses say they are facing the steepest
rise in insurance premiums they have seen in recent years.

[ snip ]

Too bad congress is greasing it's lips and sharpening their teath to
take cut off of the health care spending for it's own agendas of statism
and Obamanation.

Maybe they should, provided they give a damn about middle clas Americans
make it easier for competition and rules that allow new blood into the
industry. As it stands, you would need $10B working capital to start a
new health care company. Obsceny high needs high returns.

But if governemtn does it, they can lower the standard of care,
line-ups, rationing and skim the difference for government spending.

Ever wonder why government wants this through general revenue? To skim
your health care dollars. Easier than raising taxes. Government needs
raise it's incoming cash flow, Obamanation is expensive at $1.3 trillion
debt-spend in just 8 or 9 months.



Sorry, but I give no credibility whatsoever to your side. Conserative
Republicans have an agenda that has nothing to do with helping middle
class Americans get, keep, and afford decent health care. I have no
interest in the bull**** being spewed by Limbaugh, Palin, Beck, or your
congressional leaders. **** you and everyone on your side of the
ship...which you are sinking.


Affordable health care was a available in the past. Low cost major medical
plans. Did not cover minor office visits, etc. Then states started adding
more and more items to be covered. Cost went up. Also, the cross state
selling of insurance is banned. Federal Govt. Now you want some pre
existing condition to be covered. You did not buy insurance as you wanted
the frills of living and now that you have gotten sick, you want into the
shared risk pool called insurance. A late friend was an insurance fraud
investigator. 20 years ago. Major life insurance problem. Could not
question if the person had AIDS. The AIDS person would find out he has a
fatal case of AIDS and then would buy a million or 2 million life insurance
policy with a payout to their partner. Same thing will happen with pre
existing condition inclusions. Cost of insurance will rise, or be
unavailable.

On 10/24/09 8:00 PM, Bill McKee wrote:
"H the wrote in message
m...
On 10/24/09 7:30 PM, Canuck57 wrote:
H the K wrote:
October 25, 2009
Small Business Faces Sharp Rise in Costs of Health Care
By REED ABELSON
NY Times

As Congress nears votes on legislation that would overhaul the health
care system, many small businesses say they are facing the steepest
rise in insurance premiums they have seen in recent years.

[ snip ]

Too bad congress is greasing it's lips and sharpening their teath to
take cut off of the health care spending for it's own agendas of statism
and Obamanation.

Maybe they should, provided they give a damn about middle clas Americans
make it easier for competition and rules that allow new blood into the
industry. As it stands, you would need $10B working capital to start a
new health care company. Obsceny high needs high returns.

But if governemtn does it, they can lower the standard of care,
line-ups, rationing and skim the difference for government spending.

Ever wonder why government wants this through general revenue? To skim
your health care dollars. Easier than raising taxes. Government needs
raise it's incoming cash flow, Obamanation is expensive at $1.3 trillion
debt-spend in just 8 or 9 months.



Sorry, but I give no credibility whatsoever to your side. Conserative
Republicans have an agenda that has nothing to do with helping middle
class Americans get, keep, and afford decent health care. I have no
interest in the bull**** being spewed by Limbaugh, Palin, Beck, or your
congressional leaders. **** you and everyone on your side of the
ship...which you are sinking.


Affordable health care was a available in the past. Low cost major medical
plans. Did not cover minor office visits, etc. Then states started adding
more and more items to be covered. Cost went up. Also, the cross state
selling of insurance is banned. Federal Govt. Now you want some pre
existing condition to be covered. You did not buy insurance as you wanted
the frills of living and now that you have gotten sick, you want into the
shared risk pool called insurance. A late friend was an insurance fraud
investigator. 20 years ago. Major life insurance problem. Could not
question if the person had AIDS. The AIDS person would find out he has a
fatal case of AIDS and then would buy a million or 2 million life insurance
policy with a payout to their partner. Same thing will happen with pre
existing condition inclusions. Cost of insurance will rise, or be
unavailable.




If only you had some facts on your side. BTW, when you buy a significant
amount of life insurance, several things usually happen:

1. You have to present yourself for drawing of blood and give up a urine
sample. Your height, weight and blood pressure are measured.

2. You sign a waiver allowing the insurance company to examine your
medical records.

This was the case more than 20 years ago.

And, of course, for many generations, if you received your health
insurance through your employer's group policy, your chances of being
turned down for pre-existing conditions were minimal

The "across state lines" notion is a canard, but it sounds good, as does
tort reform.

The reason we are in the state we are in, vis-a-vis premiums,
turn-downs, denials, et cetera, is simple: the health insurance
companies are screwing us and will continue to do so for as long as they
can.

H the K wrote:
October 25, 2009
Small Business Faces Sharp Rise in Costs of Health Care
By REED ABELSON
NY Times

As Congress nears votes on legislation that would overhaul the health
care system, many small businesses say they are facing the steepest rise
in insurance premiums they have seen in recent years.

Insurance brokers and benefits consultants say their small business
clients are seeing premiums go up an average of about 15 percent for the
coming year ? double the rate of last year?s increases. That would mean
an annual premium that was $4,500 per employee in 2008 and $4,800 this
year would rise to $5,500 in 2010.

The higher premiums at least partly reflect the inexorable rise of
medical costs, which is forcing Medicare to raise premiums, too. Health
insurance bills are also rising for big employers, but because they have
more negotiating clout, their increases are generally not as steep.

Higher medical costs aside, some experts say they think the insurance
industry, under pressure from Wall Street, is raising premiums to get
ahead of any legislative changes that might reduce their profits.

- - -

Yeah, like we really truly need for-profit health insurers who rape all
of us repeatedly.

A relative works for a big retailer. Insurance cost a lot. The coverage
has a huge deductible and co payments. Next year it goes up in price
again and deductibles and co payments are even higher. Still paying on
share of cost that insurance didn't cover from treatment in early part
of year. They cut hours. Next year it will take the equivalent of 2
months pay to cover the deductible and co payments.
Another works for national chain. They cut their hours several times
this past 2 years. When their hours go below 70 in two weeks they lose
their coverage. Medical bills take half of the pay. Everybody get sick.
Now they must sacrifice food etc and forget a future due high cost of
insurance and small benefits to help fill the coffers of the super rich
that now own America.

"H the K" wrote in message
...
On 10/24/09 8:00 PM, Bill McKee wrote:
"H the wrote in message
m...
On 10/24/09 7:30 PM, Canuck57 wrote:
H the K wrote:
October 25, 2009
Small Business Faces Sharp Rise in Costs of Health Care
By REED ABELSON
NY Times

As Congress nears votes on legislation that would overhaul the health
care system, many small businesses say they are facing the steepest
rise in insurance premiums they have seen in recent years.

[ snip ]

Too bad congress is greasing it's lips and sharpening their teath to
take cut off of the health care spending for it's own agendas of
statism
and Obamanation.

Maybe they should, provided they give a damn about middle clas
Americans
make it easier for competition and rules that allow new blood into the
industry. As it stands, you would need $10B working capital to start a
new health care company. Obsceny high needs high returns.

But if governemtn does it, they can lower the standard of care,
line-ups, rationing and skim the difference for government spending.

Ever wonder why government wants this through general revenue? To skim
your health care dollars. Easier than raising taxes. Government needs
raise it's incoming cash flow, Obamanation is expensive at $1.3
trillion
debt-spend in just 8 or 9 months.



Sorry, but I give no credibility whatsoever to your side. Conserative
Republicans have an agenda that has nothing to do with helping middle
class Americans get, keep, and afford decent health care. I have no
interest in the bull**** being spewed by Limbaugh, Palin, Beck, or your
congressional leaders. **** you and everyone on your side of the
ship...which you are sinking.


Affordable health care was a available in the past. Low cost major
medical
plans. Did not cover minor office visits, etc. Then states started
adding
more and more items to be covered. Cost went up. Also, the cross state
selling of insurance is banned. Federal Govt. Now you want some pre
existing condition to be covered. You did not buy insurance as you
wanted
the frills of living and now that you have gotten sick, you want into the
shared risk pool called insurance. A late friend was an insurance fraud
investigator. 20 years ago. Major life insurance problem. Could not
question if the person had AIDS. The AIDS person would find out he has a
fatal case of AIDS and then would buy a million or 2 million life
insurance
policy with a payout to their partner. Same thing will happen with pre
existing condition inclusions. Cost of insurance will rise, or be
unavailable.




If only you had some facts on your side. BTW, when you buy a significant
amount of life insurance, several things usually happen:

1. You have to present yourself for drawing of blood and give up a urine
sample. Your height, weight and blood pressure are measured.

2. You sign a waiver allowing the insurance company to examine your
medical records.

This was the case more than 20 years ago.

And, of course, for many generations, if you received your health
insurance through your employer's group policy, your chances of being
turned down for pre-existing conditions were minimal

The "across state lines" notion is a canard, but it sounds good, as does
tort reform.

The reason we are in the state we are in, vis-a-vis premiums, turn-downs,
denials, et cetera, is simple: the health insurance companies are screwing
us and will continue to do so for as long as they can.

Nope, AIDS is the political disease. Could not ask or test.

Bill McKee wrote:
"H the K" wrote in message
...
On 10/24/09 8:00 PM, Bill McKee wrote:
"H the wrote in message
m...
On 10/24/09 7:30 PM, Canuck57 wrote:
H the K wrote:
October 25, 2009
Small Business Faces Sharp Rise in Costs of Health Care
By REED ABELSON
NY Times

As Congress nears votes on legislation that would overhaul the health
care system, many small businesses say they are facing the steepest
rise in insurance premiums they have seen in recent years.
[ snip ]

Too bad congress is greasing it's lips and sharpening their teath to
take cut off of the health care spending for it's own agendas of
statism
and Obamanation.

Maybe they should, provided they give a damn about middle clas
Americans
make it easier for competition and rules that allow new blood into the
industry. As it stands, you would need $10B working capital to start a
new health care company. Obsceny high needs high returns.

But if governemtn does it, they can lower the standard of care,
line-ups, rationing and skim the difference for government spending.

Ever wonder why government wants this through general revenue? To skim
your health care dollars. Easier than raising taxes. Government needs
raise it's incoming cash flow, Obamanation is expensive at $1.3
trillion
debt-spend in just 8 or 9 months.


Sorry, but I give no credibility whatsoever to your side. Conserative
Republicans have an agenda that has nothing to do with helping middle
class Americans get, keep, and afford decent health care. I have no
interest in the bull**** being spewed by Limbaugh, Palin, Beck, or your
congressional leaders. **** you and everyone on your side of the
ship...which you are sinking.

Affordable health care was a available in the past. Low cost major
medical
plans. Did not cover minor office visits, etc. Then states started
adding
more and more items to be covered. Cost went up. Also, the cross state
selling of insurance is banned. Federal Govt. Now you want some pre
existing condition to be covered. You did not buy insurance as you
wanted
the frills of living and now that you have gotten sick, you want into the
shared risk pool called insurance. A late friend was an insurance fraud
investigator. 20 years ago. Major life insurance problem. Could not
question if the person had AIDS. The AIDS person would find out he has a
fatal case of AIDS and then would buy a million or 2 million life
insurance
policy with a payout to their partner. Same thing will happen with pre
existing condition inclusions. Cost of insurance will rise, or be
unavailable.



If only you had some facts on your side. BTW, when you buy a significant
amount of life insurance, several things usually happen:

1. You have to present yourself for drawing of blood and give up a urine
sample. Your height, weight and blood pressure are measured.

2. You sign a waiver allowing the insurance company to examine your
medical records.

This was the case more than 20 years ago.

And, of course, for many generations, if you received your health
insurance through your employer's group policy, your chances of being
turned down for pre-existing conditions were minimal

The "across state lines" notion is a canard, but it sounds good, as does
tort reform.

The reason we are in the state we are in, vis-a-vis premiums, turn-downs,
denials, et cetera, is simple: the health insurance companies are screwing
us and will continue to do so for as long as they can.

Nope, AIDS is the political disease. Could not ask or test.



Harry gets screwed more than a crack whore. Must be because of his
lovely disposition.

On 10/24/09 10:35 PM, elder wrote:
H the K wrote:
October 25, 2009
Small Business Faces Sharp Rise in Costs of Health Care
By REED ABELSON
NY Times

As Congress nears votes on legislation that would overhaul the health
care system, many small businesses say they are facing the steepest
rise in insurance premiums they have seen in recent years.

Insurance brokers and benefits consultants say their small business
clients are seeing premiums go up an average of about 15 percent for
the coming year ? double the rate of last year?s increases. That would
mean an annual premium that was $4,500 per employee in 2008 and $4,800
this year would rise to $5,500 in 2010.

The higher premiums at least partly reflect the inexorable rise of
medical costs, which is forcing Medicare to raise premiums, too.
Health insurance bills are also rising for big employers, but because
they have more negotiating clout, their increases are generally not as
steep.

Higher medical costs aside, some experts say they think the insurance
industry, under pressure from Wall Street, is raising premiums to get
ahead of any legislative changes that might reduce their profits.

- - -

Yeah, like we really truly need for-profit health insurers who rape
all of us repeatedly.

A relative works for a big retailer. Insurance cost a lot. The coverage
has a huge deductible and co payments. Next year it goes up in price
again and deductibles and co payments are even higher. Still paying on
share of cost that insurance didn't cover from treatment in early part
of year. They cut hours. Next year it will take the equivalent of 2
months pay to cover the deductible and co payments.
Another works for national chain. They cut their hours several times
this past 2 years. When their hours go below 70 in two weeks they lose
their coverage. Medical bills take half of the pay. Everybody get sick.
Now they must sacrifice food etc and forget a future due high cost of
insurance and small benefits to help fill the coffers of the super rich
that now own America.


Bingo. Meanwhile, the health insurers are gouging out 25%-40% profits.
Bendover a little further, please.

"H the K" wrote in message
m...
On 10/24/09 10:35 PM, elder wrote:
H the K wrote:
October 25, 2009
Small Business Faces Sharp Rise in Costs of Health Care
By REED ABELSON
NY Times

As Congress nears votes on legislation that would overhaul the health
care system, many small businesses say they are facing the steepest
rise in insurance premiums they have seen in recent years.

Insurance brokers and benefits consultants say their small business
clients are seeing premiums go up an average of about 15 percent for
the coming year ? double the rate of last year?s increases. That would
mean an annual premium that was $4,500 per employee in 2008 and $4,800
this year would rise to $5,500 in 2010.

The higher premiums at least partly reflect the inexorable rise of
medical costs, which is forcing Medicare to raise premiums, too.
Health insurance bills are also rising for big employers, but because
they have more negotiating clout, their increases are generally not as
steep.

Higher medical costs aside, some experts say they think the insurance
industry, under pressure from Wall Street, is raising premiums to get
ahead of any legislative changes that might reduce their profits.

- - -

Yeah, like we really truly need for-profit health insurers who rape
all of us repeatedly.

A relative works for a big retailer. Insurance cost a lot. The coverage
has a huge deductible and co payments. Next year it goes up in price
again and deductibles and co payments are even higher. Still paying on
share of cost that insurance didn't cover from treatment in early part
of year. They cut hours. Next year it will take the equivalent of 2
months pay to cover the deductible and co payments.
Another works for national chain. They cut their hours several times
this past 2 years. When their hours go below 70 in two weeks they lose
their coverage. Medical bills take half of the pay. Everybody get sick.
Now they must sacrifice food etc and forget a future due high cost of
insurance and small benefits to help fill the coffers of the super rich
that now own America.


Bingo. Meanwhile, the health insurers are gouging out 25%-40% profits.
Bendover a little further, please.


I still think a national sales tax would be a better way to fund universal
health care for most Americans.
Sure..the guy who buys the $100K boat, $60K auto or expensive clothes &
furnishings will pay more... but you have to think of the overall benefit to
all fellow citizens.