Come on! When Hilary goes to a black precinct and she CHANGES HER DIALECT to sound more black, that's not pandering?

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Premium growth is slow because the product is worse . Look at your deductible compared to before the ACA . Your out of pocket is way up .... Unless of course you get it subsidized .

Looking at premium changes, without considering what's covered, is very misleading. For example, if my new policy requires me to pay a huge deductible before the insurance kicks in, yet my premium doesn't change, that's still a huge rate increase to me. I'm not saying that your study is manipulating that, but you have to compare the premium charged, with how exttensive the coverage is.

And Obama didn't promise that premiums would increase at a slower pace. What he promised, is that the average family would see a $2500 annual decrease in cost.

You're right that prem. growth has slowed bc of that. Companies are pushing more of the cost of the insurance onto the ee. either through higher deductibles or making the ee pay a higher % of the costs. However, the overall costs of health care inflation (called Trend) has been decreasing. The following was from the 2nd part of what I posted.

The Kaiser estimates corroborate earlier estimates from the Bureau of Labor Statistics’ Employer Cost Index that showed that slow growth in employers’ health benefit costs continued into 2015, as well as results from a national survey released last week by the consulting firm Mercer, which found that employers have seen slow growth persist through 2015 and expect it to continue into 2016.

Healthcare costs are not decreasing, though...they are just increasing at a slower rate. The trends are positive, but they are smaller positive than they have been in the past. Which hopefully is a start.

I only read/copied the 1st of 3 pages.

http://healthleadersmedia.com/conten...t-Not-Enough##


The health spending rate is slowing. It has been slowing for a long time in a very incremental way, but we are not able to declare victory here," says the director of PwC's Health Research Institute.

PwC's projections for healthcare cost growth in 2016 provide a mixed review of cost containment.

The good news is that the projected 6.5% increase in healthcare inflation in 2016 is almost half the cost growth of 11.9% in 2007, when PwC first started making its annual projections. The bad news is that 6.5% cost growth is wildly outpacing wage growth and is unsustainable over the long run in a country that already spends close to 18% of its gross domestic product on healthcare.

To put that growth in perspective, the overall rate of inflation in the larger economy over the past year was 0%. "You can see what I would call a little bit of good news, but not enough good news to celebrate yet," Benjamin Isgur, director of PwC's Health Research Institute, said during webcast detailing the findings.

"The health spending rate is slowing. It has been slowing for a long time in a very incremental way, but we are not able to declare victory here. It is one of those things where we are winning a few battles but the overall war of health growth is still there. In fact, when we compare that to our national health expenditures as a percentage of gross domestic product, over these last several decades you see a larger and larger part of our economy spent on health services."


That's not necessarily a bad thing, Isgur says.

"Every economy gets to decide what they are going to spend their money on, but as it rises now past 15% of GDP, it does call into question the crowd out effect. Does that mean there are less resources to spend on things like education and transportation? The healthcare growth rate is still rising faster than general economic inflation."

PwC says the key "inflators" for healthcare cost growth in 2016 are expected to include the rising cost of specialty drugs such as Sovaldi, the Hepatitis C therapy from Gilead Sciences; and cybersecurity measures to prevent or mitigate increasingly sophisticated and aggressive large-scale breaches.

Preventive cybersecurity measures are particularly cost effective, PwC says, costing about $8 per patient record, while post-breach measures, including HIPAA fines and customer restitution, can cost about $200 per patient record.

Cost Deflators

The key "deflator" for healthcare cost growth is expected to be the "Cadillac tax" on insurance premiums that will take effect in 2019. To avoid the 40% excise tax, employers are already altering their benefits designs to increase by shifting more of the expense onto employees. The percentage of employers who are only offering high-deductible health plans has grown from 13% in 2012 to 25% in 2015.

"We are starting to see more and more employees share in the cost of their health plans," Isgur says.

Again, what they are calling "cost deflators", are thing sthat cause premiums to decrease, not things that reduce the overall cost of healthcare. If my employers swithces to a high-deductible plan, my premium will go down, but that doesn't mean my out-of-pocket expenses will go down. So what's the value in knowing that my premiums are increasing at a slower pace, but that's offset by higher deductibles or co-pays?

Look at the 2nd page of the link for other cost deflators.

and since you mention the Cadillac tax (the implementatin was delayed):

It is a tax on the most expensive insurance plans to slow people's’ use of health care. It will lesson the employer sponsored tax subsidy that the vast majority of healthcare economists think cause the overuse of healthcare. It will hit a larger and larger % of premiums over time.

Business, ees and insurers won’t like that so insurers will be forced develop ways to reduce health care costs and drive harder bargains with providers. This will also likely mean that more health care costs are shifted from premiums to out-of-pocket expenses. That should encourage lower utilization and/or lower prices too.

Sadly I agree ... will the Right blame these uninformed/uneducated voters for the last two presidential elections. when trump gets to the white house due to them or will they suddenly stop being uninformed and uneducated voters and become intelligent just because they Voted White I meant GOP???

Wait . . . Hillary is not white?

Are you feeling OK? Your side has Hilary and Bernie.

The other side has Cruz, Rubio, Ben Carson.

Which side is whiter?

I await your honest, thoughtful reply. Good lord.

Maybe he heard her pandering to blacks by switching to a jive dialect at one of her speeches and, assuming no one could be that condescending, he assumed she really is black.

I think we traded for Micheal Jackson and gave them a "Player to be Named Later"........so we are in the process of completing the trade. Hillary is "Dat Playah"
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ha..ha..ha...stupid MSNBC talking heads...when things don't go the way you planned



https://www.youtube.com/watch?v=nolb...ature=youtu.be

Obamacare...here's a shocker

http://freebeacon.com/issues/officia...-on-the-brink/

Looking forward to casting my vote for Bernie today 👍
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:shocked:
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All of you genius' are gonna crap your pants when Trump is your leader. I support him all the way.

I'm not a rascist, I am a realist. This country is REALLY effed up, time to shake it up!

Love that you more intelligent folks, can tell exactly who is supporting Trump.

Guess I'm just a dumbass, uneducated, rascist. Too bad, I thought I was pretty ok. I'll take your word for it guys, you are smart, I am stupid. BUT my team is going to win, and yours is Shrillery the ENABLER.

Maybe the Shrill, is really the stupid one out of all of us. 1. Bill 2. Benghazi 3. Bill 4. emails 5. these suits she is wearing have to go. 6. she is a wall street suck up. with zero true business experience.

And lastly, she is the leader of the politically correct wave. They spend more time worrying about bullies than they do about defeating our enemies.

Trump is going to crush her in the general, woo hoo

Interesting to hear The statistics for Massachusetts this morning . The Democrat party lost 30,000 last year. 1/3 of those reenrolled as Republicans .
I love how the left throws out the word "uneducated " , as if it's some indicator of smarts. Ironically these are the same people complaining that they are crushed by student loans , that they can't afford to repay . Education they couldn't afford was only there first mistake in life .
I prefer to surround myself with people with common sense and open minds
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It's my anti Hillary vote .
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I don't think when Dennis wrote "uninformed and uneducated voters", he meant they didn't go to school or weren't intelligent, I think he meant they weren't necessarily politically astute or don't spend/invest considerable time into the political process which is why so many can't make up their minds each election cycle between two candidates with polar opposite views...but we still hear demands that they all get out and vote don't we?:bl:

like Dennis I'm thoroughly enjoying this go round....I don't like Trump but he's as close as you can get to actually waterboarding a leftist or a Republican establishment type and the MSM... which is endlessly amusing

Paul, earlier i asked you this question...other than public perception, what evidence is there, that democrats care any more about blacks, than republicans? I didn't see a response.

Paul, when I see what has happened here in CT, to places like Bridgeport and Hartford, controlled by Democrats for a generation, it makes me sick. I look at these failing cities, and I feel that (1) these people deserve better, and (2) whatever the leaders are doing, it clearly isn't working, so let's try something else, anything else.

Please tell me, how that makes me racist.

I think I can make a compelling case that for ANY Dempocratic leader of these cities to say with a straight face "elect me, because I am doing a good job representing you, and what you deserve, is more of the same"...I can make a case THAT is the person who obviously doesn't care about these people.

You cannot make that wrong. You just can't. And that's the agony and irony in all of this...it's what the Tea Party endorses, which is what blacks need to embrace to not just survive, but to start climbinbg th economic ladder. It worked when Bill Clinton did it.

Obama is the personification of the notion that there's a big difference between being educated and being smart. "I can add millions of uninsured to the health insurance rolls, and cover more things, and remove lifetime caps on insurance benefits, and that will lower costs by $2,500 per family".

Genius.

Oh lookie, a political scientist studied this issue...

https://www.evernote.com/shard/s4/sh...713003733a.pdf

Your link doesn't work either
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for the Trump lovers among us .. and others you should see this clip very funny from John Oliver .. this is not news but it is factual

its the Actual things trump has said and done in the clip that should alarm the Trump Faithful ..


https://www.youtube.com/watch?v=DnpO_RTSNmQ

my proud communist friend was very confident that Trump would be the next President, and he's never wrong...just ask him ;)

oh good...is this the new snarky comedian that leftist will roll out to make all of their "points"? :rotf3:

this is not news but it is factual....love that...


hey Spence....that's all been taken out of context ...right???