To: President Donald Trump, The United States House of Representatives, and The United States Senate
Healthcare reform exchange pricing
Create a fairer system of insurance premium pricing on the healthcare exchanges, particularly for those between the ages of 50 and 65 that are not eligible for any premium subsidy. The current system that is going into affect October 1st, 2013 is pricing many out of the market so we will choose a penalty over having to decrease contributions to retirement funds and other expenditures as to the costs of daily living.
A cooperative could be set up for this age group where there is cost sharing and it could be a not for profit or a goverment funded cooperative where insurance companies bid to service this age group. It would be separate from Medicare.This population of people is being hit hard on the exchange in pricing and I do not believe that it is sustainable for most in this group.
A cooperative could be set up for this age group where there is cost sharing and it could be a not for profit or a goverment funded cooperative where insurance companies bid to service this age group. It would be separate from Medicare.This population of people is being hit hard on the exchange in pricing and I do not believe that it is sustainable for most in this group.
Why is this important?
I am starting this petition in response to my personal outrage over what it costs a middle class individual on the healthcare exchanges to purchase healthcare coverage. Currently for me and my husband this is quoted at 1,250.00 a month and because we both work we do not qualify for a subsidy. Until now we were paying $850.00 a month for a high deductible plan. We are both healthy and rarely go to the doctor.
Why should an individual be outraged: because those that are getting closer to retirement age, those not yet eligible for Medicare are paying for the expanded services of those with lesser incomes. Also, it is hard for a small business to grow and pay the rates insurance companies charge and I believe there is quite a bit of price gouging going on right now. You should be outraged also because the money an individual has to save for retirement is now either not available, or significantly decreased due to this increased expenditure. Some individuals will be forced to pay the penalty of not having a policy rather than risk bankruptcy.Healthcare reform in it's current state does not control the rising costs of healthcare which is currently around 10,000 a day in a hospital. I have worked in healthcare for thirty years. What healthcare reform does is expand services which in itself is good but not when it causes so much hardship on a select sector of the population that is being priced out of being able to afford healthcare. Before healthcare reform many couldnt even enroll in healthcare plans but now the lower incomes groups are able to but only because healthier groups and the middle class is footing the bill.Healthcare reform is great if your poor or make below 45k a year. There is some incentive to work less so a person won't have to pay as much for healthcare.
These are my thoughts and while it is difficult to come up with a fairer system I think congress should think about the dissapearance of the middle class and who foots the bills of this country. If you loose the middle class you loose the population of the country that pays the goverment bills.
Thank you
Why should an individual be outraged: because those that are getting closer to retirement age, those not yet eligible for Medicare are paying for the expanded services of those with lesser incomes. Also, it is hard for a small business to grow and pay the rates insurance companies charge and I believe there is quite a bit of price gouging going on right now. You should be outraged also because the money an individual has to save for retirement is now either not available, or significantly decreased due to this increased expenditure. Some individuals will be forced to pay the penalty of not having a policy rather than risk bankruptcy.Healthcare reform in it's current state does not control the rising costs of healthcare which is currently around 10,000 a day in a hospital. I have worked in healthcare for thirty years. What healthcare reform does is expand services which in itself is good but not when it causes so much hardship on a select sector of the population that is being priced out of being able to afford healthcare. Before healthcare reform many couldnt even enroll in healthcare plans but now the lower incomes groups are able to but only because healthier groups and the middle class is footing the bill.Healthcare reform is great if your poor or make below 45k a year. There is some incentive to work less so a person won't have to pay as much for healthcare.
These are my thoughts and while it is difficult to come up with a fairer system I think congress should think about the dissapearance of the middle class and who foots the bills of this country. If you loose the middle class you loose the population of the country that pays the goverment bills.
Thank you