Healthcare.gov provides a little tool that allows one to see how much various plans are per month by county. JJ is going to present premiums for a particular county every few days. Today we will start with Hinds. Link to website Next up will be Rankin County.
All Humana plans are PPO's. Magnolias are HMO's.
Catastrophic
Humana: 50 year-old man: $256/month, 27 year-old man: $150/month, Family: $507/month
Bronze
Humana: 50: $339/month, 27: $200/month, Family: $673/month
Magnolia 3: 50: $477/month, 27: $280/month, Family: $947/month
Magnolia 4: 50: $496/month, 27: $291/month, Family: $984/month
Magnolia 3 vision: 50: $484/month 27: $284/month, Family: $960/month
Magnolia 4 vision: 50: $503/month 27: $295/month, Family: $998/month
Magnolia 3 vision, dental: 50: $503/month, 27: $295/month Family: $997/month
Magnolia 3 vision, dental: 50: $522/month, 27: $306/month Family: $1,036/month
Silver
Humana: 50: $385/month, 27: $226/month, Family: $763/month
Magnolia 5: 50: $572/month, 27: $336/month, Family: $1,134/month
Magnolia 6: 50: $630/month, 27: $370/month, Family: $1,250/month
Magnolia 5, vision: 50: $580/month, 27: $340/month, Family: $1,151/month
Magnolia 6, vision: 50: $640/month, 27: $375/month, Family: $1,268/month
Magnolia 5, vision, dental: 50: $602/month, 27: $353/month, Family: $1,194/month
Magnolia 6, vision, dental: 50: $664/month, 27: $389/month, Family: $1,316/month
Gold
Humana: 50: 439/month, 27: $257/month, Family: $870/month
Magnolia 2: 50: $708/month, 27: $415/month, Family: $1,404/month
Magnolia 4: 50: $715/month, 27: $419/month, Family: $1,417/month
Magnolia 2, vision: 50: $718/month, 27: $421/month, Family: $1,424/month
Magnolia 4, vision: 50: $725/month, 27: $425/month, Family: $1,438/month
Magnolia 2, vision, dental: 50: $746/month, 27: $437/month, Family: $1,478/month
Platinum
Humana: 50: $495/month, 27: $290/month, Family: $981/month
Differences between plans in terms of coverage:
Bronze: 60%
Silver: 70%
Gold: 80%
Platinum: 90%
Sunday, October 27, 2013
Obamacare rates in Mississippi
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Trollfest '09
Trollfest '07 was such a success that Jackson Jambalaya will once again host Trollfest '09. Catch this great event which will leave NE Jackson & Fondren in flames. Othor Cain and his band, The Black Power Structure headline the night while Sonjay Poontang returns for an encore performance. Former Frank Melton bodyguard Marcus Wright makes his premier appearance at Trollfest singing "I'm a Sweet Transvestite" from "The Rocky Horror Picture Show." Kamikaze will sing his new hit, “How I sold out to da Man.” Robbie Bell again performs: “Mamas, don't let your babies grow up to be Bells” and “Any friend of Ed Peters is a friend of mine”. After the show, Ms. Bell will autograph copies of her mug shot photos. In a salute to “Dancing with the Stars”, Ms. Bell and Hinds County District Attorney Robert Smith will dance the Wango Tango.
Wrestling returns, except this time it will be a Battle Royal with Othor Cain, Ben Allen, Kim Wade, Haley Fisackerly, Alan Lange, and “Big Cat” Donna Ladd all in the ring at the same time. The Battle Royal will be in a steel cage, no time limit, no referee, and the losers must leave town. Marshand Crisler will be the honorary referee (as it gives him a title without actually having to do anything).
Meet KIM Waaaaaade at the Entergy Tent. For five pesos, Kim will sell you a chance to win a deed to a crack house on Ridgeway Street stuffed in the Howard Industries pinata. Don't worry if the pinata is beaten to shreds, as Mr. Wade has Jose, Emmanuel, and Carlos, all illegal immigrants, available as replacements for the it. Upon leaving the Entergy tent, fig leaves will be available in case Entergy literally takes everything you have as part of its Trollfest ticket price adjustment charge.
Donna Ladd of The Jackson Free Press will give several classes on learning how to write. Smearing, writing without factchecking, and reporting only one side of a story will be covered. A donation to pay their taxes will be accepted and she will be signing copies of their former federal tax liens. Ms. Ladd will give a dramatic reading of her two award-winning essays (They received The Jackson Free Press "Best Of" awards.) "Why everything is always about me" and "Why I cover murders better than anyone else in Jackson".
In the spirit of helping those who are less fortunate, Trollfest '09 adopts a cause for which a portion of the proceeds and donations will be donated: Keeping Frank Melton in his home. The “Keep Frank Melton From Being Homeless” booth will sell chances for five dollars to pin the tail on the jackass. John Reeves has graciously volunteered to be the jackass for this honorable excursion into saving Frank's ass. What's an ass between two friends after all? If Mr. Reeves is unable to um, perform, Speaker Billy McCoy has also volunteered as when the word “jackass” was mentioned he immediately ran as fast as he could to sign up.
In order to help clean up the legal profession, Adam Kilgore of the Mississippi Bar will be giving away free, round-trip plane tickets to the North Pole where they keep their bar complaint forms (which are NOT available online). If you don't want to go to the North Pole, you can enjoy Brant Brantley's (of the Mississippi Commission on Judicial Performance) free guided tours of the quicksand field over by High Street where all complaints against judges disappear. If for some reason you are unable to control yourself, never fear; Judge Houston Patton will operate his jail where no lawyers are needed or allowed as you just sit there for minutes... hours.... months...years until he decides he is tired of you sitting in his jail. Do not think Judge Patton is a bad judge however as he plans to serve free Mad Dog 20/20 to all inmates.
Trollfest '09 is a pet-friendly event as well. Feel free to bring your dog with you and do not worry if your pet gets hungry, as employees of the Jackson Zoo will be on hand to provide some of their animals as food when it gets to be feeding time for your little loved one.
Relax at the Fox News Tent. Since there are only three blonde reporters in Jackson (being blonde is a requirement for working at Fox News), Megan and Kathryn from WAPT and Wendy from WLBT will be on loan to Fox. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both and a torn-up Obama yard sign will entitle you to free drinks served by Megan, Wendy, and Kathryn. Get your tickets now. Since this is an event for trolls, no ID is required. Just bring the hate. Bring the family, Trollfest '09 is for EVERYONE!!!
This is definitely a Beaver production.
Note: Security provided by INS.
Wrestling returns, except this time it will be a Battle Royal with Othor Cain, Ben Allen, Kim Wade, Haley Fisackerly, Alan Lange, and “Big Cat” Donna Ladd all in the ring at the same time. The Battle Royal will be in a steel cage, no time limit, no referee, and the losers must leave town. Marshand Crisler will be the honorary referee (as it gives him a title without actually having to do anything).
Meet KIM Waaaaaade at the Entergy Tent. For five pesos, Kim will sell you a chance to win a deed to a crack house on Ridgeway Street stuffed in the Howard Industries pinata. Don't worry if the pinata is beaten to shreds, as Mr. Wade has Jose, Emmanuel, and Carlos, all illegal immigrants, available as replacements for the it. Upon leaving the Entergy tent, fig leaves will be available in case Entergy literally takes everything you have as part of its Trollfest ticket price adjustment charge.
Donna Ladd of The Jackson Free Press will give several classes on learning how to write. Smearing, writing without factchecking, and reporting only one side of a story will be covered. A donation to pay their taxes will be accepted and she will be signing copies of their former federal tax liens. Ms. Ladd will give a dramatic reading of her two award-winning essays (They received The Jackson Free Press "Best Of" awards.) "Why everything is always about me" and "Why I cover murders better than anyone else in Jackson".
In the spirit of helping those who are less fortunate, Trollfest '09 adopts a cause for which a portion of the proceeds and donations will be donated: Keeping Frank Melton in his home. The “Keep Frank Melton From Being Homeless” booth will sell chances for five dollars to pin the tail on the jackass. John Reeves has graciously volunteered to be the jackass for this honorable excursion into saving Frank's ass. What's an ass between two friends after all? If Mr. Reeves is unable to um, perform, Speaker Billy McCoy has also volunteered as when the word “jackass” was mentioned he immediately ran as fast as he could to sign up.
In order to help clean up the legal profession, Adam Kilgore of the Mississippi Bar will be giving away free, round-trip plane tickets to the North Pole where they keep their bar complaint forms (which are NOT available online). If you don't want to go to the North Pole, you can enjoy Brant Brantley's (of the Mississippi Commission on Judicial Performance) free guided tours of the quicksand field over by High Street where all complaints against judges disappear. If for some reason you are unable to control yourself, never fear; Judge Houston Patton will operate his jail where no lawyers are needed or allowed as you just sit there for minutes... hours.... months...years until he decides he is tired of you sitting in his jail. Do not think Judge Patton is a bad judge however as he plans to serve free Mad Dog 20/20 to all inmates.
Trollfest '09 is a pet-friendly event as well. Feel free to bring your dog with you and do not worry if your pet gets hungry, as employees of the Jackson Zoo will be on hand to provide some of their animals as food when it gets to be feeding time for your little loved one.
Relax at the Fox News Tent. Since there are only three blonde reporters in Jackson (being blonde is a requirement for working at Fox News), Megan and Kathryn from WAPT and Wendy from WLBT will be on loan to Fox. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both and a torn-up Obama yard sign will entitle you to free drinks served by Megan, Wendy, and Kathryn. Get your tickets now. Since this is an event for trolls, no ID is required. Just bring the hate. Bring the family, Trollfest '09 is for EVERYONE!!!
This is definitely a Beaver production.
Note: Security provided by INS.
Trollfest '07
Jackson Jambalaya is the home of Trollfest '07. Catch this great event which promises to leave NE Jackson & Fondren in flames. Sonjay Poontang and his band headline the night with a special steel cage, no time limit "loser must leave town" bout between Alan Lange and "Big Cat"Donna Ladd following afterwards. Kamikaze will perform his new song F*** Bush, he's still a _____. Did I mention there was no referee? Dr. Heddy Matthias and Lori Gregory will face off in the undercard dueling with dangling participles and other um, devices. Robbie Bell will perform Her two latest songs: My Best Friends are in the Media and Mama's, Don't Let Your Babies Grow up to be George Bell. Sid Salter of The Clarion-Ledger will host "Pin the Tail on the Trial Lawyer", sponsored by State Farm.
There will be a hugging booth where in exchange for your young son, Frank Melton will give you a loooong hug. Trollfest will have a dunking booth where Muhammed the terrorist will curse you to Allah as you try to hit a target that will drop him into a vat of pig grease. However, in the true spirit of Separate But Equal, Don Imus and someone from NE Jackson will also sit in the dunking booth for an equal amount of time. Tom Head will give a reading for two hours on why he can't figure out who the hell he is. Cliff Cargill will give lessons with his .80 caliber desert eagle, using Frank Melton photos as targets. Tackleberry will be on hand for an autograph session. KIM Waaaaaade will be passing out free titles and deeds to crackhouses formerly owned by The Wood Street Players.
If you get tired come relax at the Fox News Tent. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both will entitle you to free drinks.Get your tickets now. Since this is an event for trolls, no ID is required, just bring the hate. Bring the family, Trollfest '07 is for EVERYONE!!!
This is definitely a Beaver production.
Note: Security provided by INS.
There will be a hugging booth where in exchange for your young son, Frank Melton will give you a loooong hug. Trollfest will have a dunking booth where Muhammed the terrorist will curse you to Allah as you try to hit a target that will drop him into a vat of pig grease. However, in the true spirit of Separate But Equal, Don Imus and someone from NE Jackson will also sit in the dunking booth for an equal amount of time. Tom Head will give a reading for two hours on why he can't figure out who the hell he is. Cliff Cargill will give lessons with his .80 caliber desert eagle, using Frank Melton photos as targets. Tackleberry will be on hand for an autograph session. KIM Waaaaaade will be passing out free titles and deeds to crackhouses formerly owned by The Wood Street Players.
If you get tired come relax at the Fox News Tent. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both will entitle you to free drinks.Get your tickets now. Since this is an event for trolls, no ID is required, just bring the hate. Bring the family, Trollfest '07 is for EVERYONE!!!
This is definitely a Beaver production.
Note: Security provided by INS.
33 comments:
I'm already paying Golden Rule $246/mon for a catastrophic private policy. I'm 58. $5k deductible. I've changed a couple years back from Humana for a cheaper premium. Got $130 back on the policy this year due to provisions in the Obamacare law.
Well that settles it. People who couldn't afford it before still won't be able to afford it. Stupid democrats.
Holy mother of G_d, why would they do the spreadsheet like that and why would the filters be designed by ESL programmers?
Yes, this website is a trainwreck. Good thing that Obamacare is so awesome, dreamy.
Very objective, to leave out the subsidies. Not hackish at all.
I assumed at this point everyone knew there were subsidies. My readers have a higher reading level than do those of the newspaper. However the amount of the subsidy is not known until one completes the process on healthcare.gov sufficeth to say $45,000 or below for individuals, $85,000, I think, for families.
To calculate 400% poverty level for your family! go to the kaiser family foundation subsidy calculator.
These rates are lower than I expected given what I had to pay for my children once they graduated from college and before working long enough at their jobs to be covered.
20 years ago BCBS was $360 a month/$5000 deductible for a 23 year old female.
People pay more for their car payments. Which is more important?
6:44, 9:02 shows that was a faulty assumption on your part.
The rates are a complete joke. And here is why: You have no idea what doctors and hospitals are accepting those rates and plans. The last I heard, no major Jackson hospital had signed a contract with Magnolia and only HMA had signed up if you are on Humana. So good luck finding a doctor or a hospital regardless of the plan!
Another day for the water carriers here on JJ to pretend that Obamacare is some screaming sweet deal.
@7:57 which part were they assuming? The affordability or that democrats are stupid. Sounds spot on to me!
7:36, that's just the point. Some people would rather have a car, some would rather have health insurance, but it's up to them to decide. Their car payments are so they can have a car, not so someone who can't afford a car can now get a government subsidy to buy one.
Thanks for doing this, KF. Would it be possible to post the deductible amounts with the premiums?
Your readers should also factor in premium subsidies based on tax credits, depending on income,up to 400% of FPL , for persons purchasing insurance through the exchange. Here is a subsidy calculator set up by Kaiser, and mirrors the one on federal web page.http://kff.org/interactive/subsidy-calculator/
It is also too bad that Mississippi did not act to expand coverage for low income working people though Medicaid expansion. Also new tax credits for small businesses offering health insurance should be explored.And don't forget CHIP. I found this brief on the law to be helpful.
http://kff.org/health-reform/issue-brief/quantifying-tax-credits-for-people-now-buying-insurance-on-their-own/
SAM BEGLEY
I would like to see a chart over 40 years, year to year, on the percentage of income health insurance takes. At this point we are saying that health insurance for a young family of 3 or 4 just outside of the subsidies should roughly be 10% of their income.
Remember this is insurance that pays a portion, not full pay, so there will still be health costs each year to add on top of that.
I feel like the health industry and insurance industry is very satisfied with the way they have re-organized our budgets over the years.
Hashing and re-hashing, it's still an accounting adjustment (re-aligning the expense classification, and liability for the feds vs. the states) and a tax increase. Those in the lower classification (poverty) group will continue to pay nothing and use the ambulance service as their cab to the hospital emergency room. Everybody, except the beauracrats, will be screwed. Everyone hopes they'll never have to use hospital insurance, and with few exceptions, the over 60 crowd will be the ones most needing coverage. In the meantime youngsters will be tied to high priced insurance that could have been invested in a home to build equity. A simple synopsis, but a valuable viewpoint.
Bill at 10:10-
That's all true, but have you considered the benefit to us all that requiring private health insurance provides? Specifically, that people with private health insurance will not end up on Medicaid/Medicare for their inevitable healthcare needs (including cancer, serious injuries, etc)?
"Some people would rather have a car, some would rather have health insurance, but it's up to them to decide."
Except if they don't have a car, my dollars don't pay for driving them somewhere. Whereas if they choose the car over health insurance, and then get injured in a wreck, the cost gets passed along to the public.
Today's GOP: the party of freeloading. Reagan wept.
12:37 That was the point I was making. Most will have coverage, except the poverty group, that will end upon on Medicaid or defaulting on their responsibility. Even if forced to buy obamacare, they wont be able to pay the deductibles or co-payments if any. Im no lawyer or insurance expert, but common sense and the ability to read drives my point.
1:00PM Unfortunately there are plenty of unemployed and unemployable. Most of the problems have been created by beauracrats, locally, statewide and nationally, albeit down through generations, through regulation and taxation. There's something wrong when businesses like mcdonalds and casinos have employees receiving food, housing, and other govt. benefits. They can buy prime locations, build expensive buildings, etc. but not pay a livable wage. With a small business unable to obtain financing through issuing stock, they are married to the bankster, and much more susceptible to being screwed by vendors and employees. Oh hell, it's just a helluva' mess!!
Whereas if they choose the car over health insurance, and then get injured in a wreck, the cost gets passed along to the public.
Too funny.
In other words you want to assume that everyone will sooner or later get in a wreck -- a highly flawed worst case scenario -- and pass along those costs (in the form of redistribution) to actual taxpayers right now by forcing the purchase of an insurance product that may never be used, ever, by a purchaser to cover the costs of a car wreck.
Get some new comfortable shoes real quick so your feet won't hurt standing in the bread lines.
Love it, LOVE IT, when Sam and the other members of the Obama personality cult pass along that Kaiser calculator because it shines the light on the idiocy of braying Donkeys.
Family of 4 makes $94,200 and receives a 27% subsidy. Same family makes $94,201 and receives NO subsidy at all.
Brilliant! Donkey Brilliant!
In other words you want to assume that everyone will sooner or later get in a wreck -- a highly flawed worst case scenario -- and pass along those costs (in the form of redistribution) to actual taxpayers right now by forcing the purchase of an insurance product that may never be used, ever, by a purchaser to cover the costs of a car wreck.
No, but I assume that SOME citizens will, and when they do, I prefer that they have private health insurance (assuming they are not already on Medicaid). Don't you? And it doesn't have to be a car wreck. Any injury, cancer, diabetes, heart attack/stroke, MS, Parkinson's, ALS.
what are the plans benefits? deductible, out of pocket, co-pays etc? you think people who get treated at the ER for free are going to pay a monthly premium and pay a co-pay now?
If they don't get coverage, they will pay the penalty... which I hope will increase over time.
That's IF they file taxes. The first year is $95. That's YEAR not a month.
I know how insurance works and I understand why it's good to have it. I have a good bit of it myself. However, I chose to buy it, and there are insurance products available that I choose not to buy. I suggest you fight for a tax increase to be used for Medicaid funding if you are worried that someone without insurance won't be able to afford emergency care.
This isn't about people already on Medicaid or Medicare, nor is it about people who will end up on Medicaid. It's not about people who already have health insurance through their employers and will be continuing that coverage, albeit with a price increase much like all the other price increases they've paid since President Obama was smoking pot at his fancy private school in Hawaii. This is about the people who don't qualify for Medicaid, even under the expanded programs some states are foolishly offering, and who don't have insurance through their places of employment. There are lots of people like this, and the goal is not to provide them with health insurance as it is to redistribute wealth to them, further eroding the middle class, because that's who has to pay for something of this magnitude.
Don't want Young Healthy Man's emergency health care to be paid for by the taxpayers? Let him die. Change the Medicaid rules if you don't like them, but don't force Young Healthy Man to buy anything he doesn't want to buy.
NBC News: President Obama Lied
President Obama repeatedly assured Americans that after the Affordable Care Act became law, people who liked their health insurance would be able to keep it. But millions of Americans are getting or are about to get cancellation letters for their health insurance under Obamacare, say experts, and the Obama administration has known that for at least three years.
Bill: This isn't about people already on Medicaid or Medicare, nor is it about people who will end up on Medicaid.
I disagree with that. For me, requiring people who can afford it to buy health insurance keeps people off of Medicare/Medicaid when a health disaster inevitably strikes. If/when your "healthy man" gets injured or is diagnosed with cancer/diabetes/has a heart attack, he will end up bankrupt and on Medicaid/Medicare.
Which part of that do you disagree with?
October 28, 2013 at 5:31 PM = beyond hope
The penalty in 2014 is calculated one of 2 ways. You’ll pay whichever of these amounts is higher:
•
1% of your yearly household income. The maximum penalty is the national average yearly premium for a bronze plan.
•
$95 per person for the year ($47.50 per child under 18). The maximum penalty per family using this method is $285.
The fee increases every year. In 2015 it’s 2% of income or $325 per person. In 2016 and later years it’s 2.5% of income or $695 per person. After that it is adjusted for inflation.
If you’re uninsured for just part of the year, 1/12 of the yearly penalty applies to each month you’re uninsured. If you’re uninsured for less than 3 months, you don’t have a make a payment.
It is a no-brainer if you are young and healthy. Pay the penalty and skip the insurance. Plus, if you adjust your payroll withholding correctly, the IRS will not be able to collect the penalty from you.
5:31, I don't disagree with any of it. You're exactly right, but that's a Medicaid eligibility issue. Change the rules so Young Healthy Man knows he won't qualify for Medicaid under the scenarios you describe and will be facing bankruptcy over his hospital bills and maybe he'll decide to buy health insurance without being forced by the federal government. As 1:48 above pointed out, millions upon millions of young healthy people make it all the way to Medicare without a single "inevitable disaster" and do just fine paying for routine care out of their pockets. Those people are the ones the Obama administration is forcing to pay for the ACA, and that's my protest.
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