California Obamacare program announces lower-than-expected premium rates.

[-Jrabbit]

"Do nothing" and "do no harm" are not equivalencies.

[Tupac Shakur]

Thank you for the news flash and for not understanding the concept I linked to in order to help out people like yourself.

I would thank you for that useful post if I wasn't saving it for the next Sava rant.

[Dinner]

Are they excluded from charging higher premiums?

Nope.

[Dinner]

Yes, thanks to community rating.

Only if you're so poor you make it on to the exchange. Other wise you have to go buy it at market rate and, yes, they'll charge higher rates for pre-existing conditions.

[Tupac Shakur]

Paul Krugman disagrees with you. I think this means you have to commit suicide?

[Dinner]

You must have a reading disability because he specifically said that is a problem in NY state pre-ACA. Something which the ACA fixes.

[Tupac Shakur]

"Obamacare closes this gap with a three-part approach. First, community rating everywhere — no more exclusion based on pre-existing conditions." - Paul Krugman

It's kind of cute that you think I'm the one with a reading disability.

[DinoDoc]

"Do nothing" and "do no harm" are not equivalencies.

In this case, it seems as if it was. When the choice was pass a ****ty law or not pass a ****ty law? The government chose to pass a ****ty law,

[giblets]

"Obamacare closes this gap with a three-part approach. First, community rating everywhere — no more exclusion based on pre-existing conditions." - Paul Krugman

It's kind of cute that you think I'm the one with a reading disability.

The phrase "no more exclusion based on pre-existing conditions" is a bit vague though. Is it "exclusion" to charge someone extra? They're not being denied coverage if they have to pay somewhat more.

[Tupac Shakur]

Community rating is different from guaranteed issue (ie. banning exclusion based on pre-existing conditions). The former prevents insurers from charging higher premiums for a person based on pre-existing conditions (and many or all demographic characteristics), while the latter prevents insurers from refusing to cover patients with expensive pre-existing conditions altogether.

[DinoDoc]

UnitedHealth to exit individual insurance market in California

The nation's largest health insurer, UnitedHealth Group Inc., is leaving California's individual health insurance market, the second major company to exit in advance of major changes under the Affordable Care Act.

....

http://www.latimes.com/business/la-f...,4370321.story

[regexcellent]

Apparently in the Mississippi Delta there isn't a single insurance company willing to go on the exchange thingy.

[DinoDoc]

Apparently in the Mississippi Delta there isn't a single insurance company willing to go on the exchange thingy.

It's federally run. What did you expect?

[regexcellent]

Nothing more or less than that. It is, after all, the Mississippi Delta, a place which makes inland New Guinea seem cosmopolitan.

Spoiler:

Also the fact that it's federally run

[snoopy369]

http://www.latimes.com/business/la-f...,4370321.story

Largely irrelevant, as your article goes on to explain, as UHG has a very small presence in CA's individual market. Kaiser, Anthem, and Blue Shield have almost 90% of the market share of individual policies. Health insurance is a state-by-state industry where there are huge differences between states - it's not like cars where you can say that GM and Ford are the big companies or whatever; UHG has a huge marketshare in some states and tiny or none in others.