Since no one seems willing to discuss the real reasons that health insurance premiums are increasing dramatically since the passage Bosnia and Herzegovina Phone Number List of the PAC (Patient Protection and Affordable Care Act). Let me break down the 3 primary reasons. They are as follows: My Blue Cross Group clients are receiving 35.63% renewal rate increases this year for the first time in 15 years. Their prior premium increases were no where near Bosnia and Herzegovina Phone Number List this amount. This is not isolated to Blue Cross either. These premium increases are happening in many markets across the United States in both the Individual and Bosnia and Herzegovina Phone Number List Group markets. I'm simply using Blue Cross as an example since the name is most widely recognized. These increases are due in large part to the fact that multiple new "Preventative Care" mandates were imposed upon all "non-grandfathered" health insurance Bosnia and Herzegovina Phone Number List plans as of 9/23/2010 under the PAC.
A "Non-grandfathered" plan is a plan that Bosnia and Herzegovina Phone Number List was purchased after the PAC (a.k.a "Obamacare") was signed in to law on March 23, 2010. Keep in mind, these were all mandated to be covered no later than 1/1/2011 without a co pay or a deductible required. See list of mandates Multiple new policy design Bosnia and Herzegovina Phone Number List changes have also been mandated. If you have a Group health plan you've already received those new mandates. Now we come to reason number three. The new PAC mandated Medical Loss Ratios or "Mr's". This is why health insurance premiums are increasing Bosnia and Herzegovina Phone Number List on Non-Grand-Fathered plans as well.
For more about the new Mr's visit: Bosnia and Herzegovina Phone Number List Research/Reports/2010/01/Squeezing-out-Private-Health-Plans Who in their right mind thinks forcing all the following new mandates on to every Bosnia and Herzegovina Phone Number List health insurance policy in the country would actually "bend the cost curve down"? In fact, mandates are a major reason why health insurance premiums have been increasing Bosnia and Herzegovina Phone Number List exponentially over the last few decades. In 1979 there were 252 mandates in force in health care, by 2007 there were nearly 1900. With the implementation of the PAC we have Bosnia and Herzegovina Phone Number List tipped the scales at nearly 2000 mandates. Keep piling them on and costs will continue to rise.
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