Sequel to Prior Blog: So Fla’s Insurance Rates LOWEST, yet MDCPS’ rates will be DOUBLE national average: Corporate Tactics to Push You to ACA’s Health Exchanges

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In an area where our rates will be lowest next year, MDCPS jacks the premiums and out of pockets/costs through the roof. Why? to push you out and into ACA’s health exchanges (see latter quotes for details of strategy used in industry):

South Florida Insurance Rates Will Be Among Lowest In State, Report Says
By Evan S. Benn and Patricia Borns, Miami Herald
SEP 26, 2013

Miami-Dade and Broward County residents who buy health insurance through federally run online marketplaces opening Tuesday will be paying some of the cheapest rates available in Florida, according to federal data released Wednesday.
Kathleen Sebelius, secretary of Health and Human Services, said competition among insurers has helped drive down costs. In Florida, where there are an estimated 3.8 million uninsured residents, people will have an average of 102 health plans to choose from — the second-most in the country.

“Now there will be more choice and more competition thanks to the marketplace, and most consumers will find they will be able to choose from multiple companies when choosing which plan works best within their budget,” she said at a news conference Tuesday.

I guess the lesson here is that MDCPS is deliberately driving its employees out of its healthcare umbrella…because, without a real union to oppose, it can…

Why would MDCPS want to drive people out of healthcare?

” companies have cut back on health spending and trimmed benefits, especially in advance of an ACA tax on employers who offer overly generous plans in 2018…”


” the Transitional Reinsurance Program…will charge health insurers and self-insured employers (that is, companies that provide their own insurance = MDCPS) $63 per person covered on their plans… Employers and insurers, already saddled with their own rising health care costs, are likely to pass those fees on to consumers in the form of rate increases, Darling says.”

“By [discouraging] coverage to spouses, employers not only save the annual premiums, but also the new fees that went into effect as part of the Affordable Care Act. This year, companies have to pay $1 or $2 “per life” covered on their plans, a sum that jumps to $65 in 2014.”…and “when employers drop spouses, they often [save on] more than just the one individual, when couples choose instead to seek coverage together under the other partner’s employer”…”companies drive spouses away using other tactics, such as making spousal coverage prohibitively expensive through higher surcharges or by making reimbursement rates so low that spouses can’t afford the plans.”

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