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Letter: Health care costs will go up

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Posted: Saturday, October 5, 2013 12:00 am

I am self-employed and have health insurance through Blue Shield. The present premium for my family’s coverage is $870 a month, and we have a $3,500 deductible.

I just received a letter from Blue Shield stating that under the Affordable Care Act, my new premium will be $1,377.98 and my new deductible will be $4,500. Not only that, instead of paying 100 percent after meeting the deductible, they will only pay 60 percent.

Under the free market, Blue Shield was happy to charge me $870 a month. With government intervention, the cost is now $1,377.98. Thank you, Mr. Obama and Congress, for deciding that you know how to spend an additional $6,000 a year of my money better than I.

Scott Towns


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Welcome to the discussion.


  • Ed Walters posted at 4:24 pm on Sun, Oct 6, 2013.

    the old dog Posts: 641

    Oh and Walter: you can never make to much money.[beam]

  • Ed Walters posted at 4:22 pm on Sun, Oct 6, 2013.

    the old dog Posts: 641

    Walter states that Scott is obfuscation, I believe Rolaids will help.

  • Walter Chang posted at 8:55 am on Sun, Oct 6, 2013.

    Walt Posts: 1191

    Scott is obfuscating.

    Maybe he fails to mention the tax credit that offsets the premium cost just to enhance his argument?

    Or perhaps he just make too much money to qualify?

    Since his example doesn't really give us any detailed information to draw an accurate conclusion...

    I question his motivation for writing the letter??

    If this is the Scott Towns, who owns Sierra West Adjusters in Lodi...

    I would say that we have another disgruntled insurance salemans amoung us!!


  • John Lucas posted at 8:26 pm on Sat, Oct 5, 2013.

    John Lucas Posts: 2730

    This is interesting. I enjoy puzzles. I put $155,000 for two adults and three children and came up with $820 for the bronze plan. Each extra child is $111. It would be interesting to me if you could tell us the variables you come up with to get to thee $1,555 figure. I just like to get to the truth of the matter.

  • John Lucas posted at 8:03 pm on Sat, Oct 5, 2013.

    John Lucas Posts: 2730

    Again I was wrong. Sorry about that. I did not put the 2 adults in. I only put one. Sometimes I am an idiot. You must have six kids and make enough not to qualify for the subsidies. I stand corrected.

  • John Lucas posted at 7:34 pm on Sat, Oct 5, 2013.

    John Lucas Posts: 2730

    Mr Town. I put in that you made $120,000 and was a family of 5(the max). With no subsidy it came up with about $850 a month with a $2000 deductible. The most you can pay is $933. I put your income at $50,000 and with subsidies(your children quality for Medi-Cal) you payment would be $286 a month. $933 is the highest any family has to pay.

  • Ron Werner posted at 7:07 pm on Sat, Oct 5, 2013.

    Ron Werner Posts: 101

    Scott Towns- not only is your ACA compliant Blue Shield plan more expensive with less benefits, but you will also be on the narrow provider and drug network that all individual plans will have both on the exchange and off starting 1/1/14. For example, your Blue Shield individual plan has no radiologists in Lodi. You will need to go to Stockton. And forget about going to UC Davis or UCSF those hospitals aren't in network either. Those who are extolling the virtures of Covered CA are completely ignorant of what providers are available because that functionality isn't even working yet. May I suggest you talk to a licensed insurance agent to get the facts and not rely on what politicians tell you.

  • Scott Towns posted at 10:20 am on Sat, Oct 5, 2013.

    Scott T Posts: 1

    Mr. Lucas: I have gone to the Covered CA calculator and the quoted premium is $1,555 a month for the Bronze level (lowest coverage)which is even higher than the amount quoted by Blue Shield . This will not turn out pretty for any of us unless you were not paying for health insurance before and you now qualify for free insurance.

  • Jien Kaur posted at 10:18 am on Sat, Oct 5, 2013.

    Jien Kaur Posts: 385

    The ACA has a great advantage for sole proprietors.

    The increases described by this person are designed to push people onto the exchanges so they can take advantage of the tax credits available.

    Health insurers, along with individuals, benefit from having people with individual policies transfer to the ACA coverage.

  • Andrew Liebich posted at 8:44 am on Sat, Oct 5, 2013.

    Andrew Liebich Posts: 2999

    Studies by the Congressional Budget Office found that some Americans will face premium increases of 203% under Obamacare.

    In California, Aetna is proposing rate increases of as much as 22 percent, Anthem Blue Cross 26 percent and Blue Shield of California 20 percent for some of those policy holders, according to the insurers’ filings with the state for 2013.

  • John Lucas posted at 8:24 am on Sat, Oct 5, 2013.

    John Lucas Posts: 2730

    Again I was wrong. $2000 deductible instead of $3500

  • John Lucas posted at 7:56 am on Sat, Oct 5, 2013.

    John Lucas Posts: 2730

    Sorry, Mr towns I was wrong. Using the calculator below you can see what you get. At what you were paying before you can get a plan with NO DEDUCTABLE as opposed to $3500. Blue shield is trying to put it to you. That is why Obamacare is going to be such a huge success. It stops that nonsense.


  • John Lucas posted at 7:33 am on Sat, Oct 5, 2013.

    John Lucas Posts: 2730

    Mr Towns, I would suggest checking out the plans offered on the California Health exchange, the Obamacare exchange created for the state of California. As the premium plans run about $600 instead of the $870 you were paying you might find it to your advantage.


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