Posted by bad_luck on 8/28/2017 2:40:00 PM (view original):

Posted by cccp1014 on 8/28/2017 2:35:00 PM (view original):

Posted by bad_luck on 8/28/2017 2:29:00 PM (view original):

Posted by cccp1014 on 8/28/2017 2:18:00 PM (view original):

Posted by bad_luck on 8/28/2017 2:08:00 PM (view original):
Again, you're acting like individual companies do not respond to competition or a shifting customer base or cash flow needs or anything at all other than claim costs. And that just isn't the case.

They do but most get their insurance via their employer so they are locked in. This is not as a dynamic a marketplace as auto insurance for instance. Actually Trump is trying to do that by his getting rid of the lines campaign. So if I am with ABC Insurance and my rates increase by 2% next yr I cannot tell my employer to switch insurance companies that is 100% their call.

Employers switch health insurance companies all the time. The broker brings in plans from the competition every single year.

Define all the time? Mine has not switched theirs in over 15 yrs. You mean sometimes and when they do rarely if EVER do the individual employees pay less than they did before. I love you deal in absolutely. You really do live in a fantasy world. Please garner an education.

Well, let's see, I work for a fairly large (400 employees) regional insurance brokerage. Our company changed plans last year. Many of our clients did too. Others are changing this year. I'm not sure what state you're in, but unless your broker is a complete clown, your company has options every year.

400 is small

We have 5k in our company. Company does have options but as I said I rarely if EVER see the price go down. Does your price go down? What is Co?

Posted by bad_luck on 8/28/2017 2:58:00 PM (view original):
And, we're waaaaay off topic, but it's worth noting that health insurance companies don't have to cover gender reassignment surgery. Some do, in some cases.

I don't care about those stupid surgeries I am speaking in generalities.

400 is relatively large for a non-national insurance brokerage.

Our premiums went down when we switched. That's why most employers switch.

Posted by cccp1014 on 8/28/2017 2:35:00 PM (view original):

Posted by bad_luck on 8/28/2017 2:29:00 PM (view original):

Posted by cccp1014 on 8/28/2017 2:18:00 PM (view original):

Posted by bad_luck on 8/28/2017 2:08:00 PM (view original):
Again, you're acting like individual companies do not respond to competition or a shifting customer base or cash flow needs or anything at all other than claim costs. And that just isn't the case.

They do but most get their insurance via their employer so they are locked in. This is not as a dynamic a marketplace as auto insurance for instance. Actually Trump is trying to do that by his getting rid of the lines campaign. So if I am with ABC Insurance and my rates increase by 2% next yr I cannot tell my employer to switch insurance companies that is 100% their call.

Employers switch health insurance companies all the time. The broker brings in plans from the competition every single year.

Define all the time? Mine has not switched theirs in over 15 yrs. You mean sometimes and when they do rarely if EVER do the individual employees pay less than they did before. I love you deal in absolutely. You really do live in a fantasy world. Please garner an education.

We've switched three years in a row.

Posted by MikeT23 on 8/28/2017 1:04:00 PM (view original):
Do you think there are more or less gender reassignment surgeries now than in the past?

Which one is cheaper? I don't wanna spend too much.

HEY!

WHO WROTE THIS CRAPPY HEALTHCARE IN THE FIRST PLACE?

Posted by The Taint on 8/28/2017 3:25:00 PM (view original):

Posted by cccp1014 on 8/28/2017 2:35:00 PM (view original):

Posted by bad_luck on 8/28/2017 2:29:00 PM (view original):

Posted by cccp1014 on 8/28/2017 2:18:00 PM (view original):

Posted by bad_luck on 8/28/2017 2:08:00 PM (view original):
Again, you're acting like individual companies do not respond to competition or a shifting customer base or cash flow needs or anything at all other than claim costs. And that just isn't the case.

They do but most get their insurance via their employer so they are locked in. This is not as a dynamic a marketplace as auto insurance for instance. Actually Trump is trying to do that by his getting rid of the lines campaign. So if I am with ABC Insurance and my rates increase by 2% next yr I cannot tell my employer to switch insurance companies that is 100% their call.

Employers switch health insurance companies all the time. The broker brings in plans from the competition every single year.

Define all the time? Mine has not switched theirs in over 15 yrs. You mean sometimes and when they do rarely if EVER do the individual employees pay less than they did before. I love you deal in absolutely. You really do live in a fantasy world. Please garner an education.

We've switched three years in a row.

Do you work for a relatively small company? I have spoken to colleagues in other financial institutions and they have said the same thing. I have Harvard Pilgrim and have had it 4ever. My company is pretty good about covering the rates, etc. So maybe I don't have all the facts correct but here in MA companies rarely switch and when they do the employees rarely save.

Posted by bad_luck on 8/28/2017 3:08:00 PM (view original):
400 is relatively large for a non-national insurance brokerage.

Our premiums went down when we switched. That's why most employers switch.

What state are you in?

Posted by cccp1014 on 8/28/2017 3:54:00 PM (view original):

Posted by bad_luck on 8/28/2017 3:08:00 PM (view original):
400 is relatively large for a non-national insurance brokerage.

Our premiums went down when we switched. That's why most employers switch.

What state are you in?

California

Posted by cccp1014 on 8/28/2017 3:53:00 PM (view original):

Posted by The Taint on 8/28/2017 3:25:00 PM (view original):

Posted by cccp1014 on 8/28/2017 2:35:00 PM (view original):

Posted by bad_luck on 8/28/2017 2:29:00 PM (view original):

Posted by cccp1014 on 8/28/2017 2:18:00 PM (view original):

Posted by bad_luck on 8/28/2017 2:08:00 PM (view original):
Again, you're acting like individual companies do not respond to competition or a shifting customer base or cash flow needs or anything at all other than claim costs. And that just isn't the case.

They do but most get their insurance via their employer so they are locked in. This is not as a dynamic a marketplace as auto insurance for instance. Actually Trump is trying to do that by his getting rid of the lines campaign. So if I am with ABC Insurance and my rates increase by 2% next yr I cannot tell my employer to switch insurance companies that is 100% their call.

Employers switch health insurance companies all the time. The broker brings in plans from the competition every single year.

Define all the time? Mine has not switched theirs in over 15 yrs. You mean sometimes and when they do rarely if EVER do the individual employees pay less than they did before. I love you deal in absolutely. You really do live in a fantasy world. Please garner an education.

We've switched three years in a row.

Do you work for a relatively small company? I have spoken to colleagues in other financial institutions and they have said the same thing. I have Harvard Pilgrim and have had it 4ever. My company is pretty good about covering the rates, etc. So maybe I don't have all the facts correct but here in MA companies rarely switch and when they do the employees rarely save.

We are just a touch below 200. This last year, to have your family on the plan dropped almost 50 percent. Individuals went from 0 contribution to 21 bucks per month.

2 years ago my wife's company, one of the biggest in the world, switched and our premiums went down almost 15 percent. They went up about 5 percent this year.

I'm not even sure who we use. The company pays me to opt out of the plan so I stick with my wife's, which is way better anyway.

Posted by bad_luck on 8/28/2017 3:56:00 PM (view original):

Posted by cccp1014 on 8/28/2017 3:54:00 PM (view original):

Posted by bad_luck on 8/28/2017 3:08:00 PM (view original):
400 is relatively large for a non-national insurance brokerage.

Our premiums went down when we switched. That's why most employers switch.

What state are you in?

California

Of course: the most f'd-up State in the US. Where else could b_l possible live?
Tell us, when are you going to help all those hateful "celebrities" move to Canada, like they promised?
Remind them health care is "free" there.

Cali like to brag about how they're the 5th biggest economy.

They never mention their debt.

GOOD JOB MR. BROWN. crazyass

Posted by bad_luck on 8/28/2017 3:56:00 PM (view original):

Posted by cccp1014 on 8/28/2017 3:54:00 PM (view original):

Posted by bad_luck on 8/28/2017 3:08:00 PM (view original):
400 is relatively large for a non-national insurance brokerage.

Our premiums went down when we switched. That's why most employers switch.

What state are you in?

California

Well I think you have many more options than we do in MA

Posted by The Taint on 8/28/2017 4:00:00 PM (view original):

Posted by cccp1014 on 8/28/2017 3:53:00 PM (view original):

Posted by The Taint on 8/28/2017 3:25:00 PM (view original):

Posted by cccp1014 on 8/28/2017 2:35:00 PM (view original):

Posted by bad_luck on 8/28/2017 2:29:00 PM (view original):

Posted by cccp1014 on 8/28/2017 2:18:00 PM (view original):

Posted by bad_luck on 8/28/2017 2:08:00 PM (view original):
Again, you're acting like individual companies do not respond to competition or a shifting customer base or cash flow needs or anything at all other than claim costs. And that just isn't the case.

They do but most get their insurance via their employer so they are locked in. This is not as a dynamic a marketplace as auto insurance for instance. Actually Trump is trying to do that by his getting rid of the lines campaign. So if I am with ABC Insurance and my rates increase by 2% next yr I cannot tell my employer to switch insurance companies that is 100% their call.

Employers switch health insurance companies all the time. The broker brings in plans from the competition every single year.

Define all the time? Mine has not switched theirs in over 15 yrs. You mean sometimes and when they do rarely if EVER do the individual employees pay less than they did before. I love you deal in absolutely. You really do live in a fantasy world. Please garner an education.

We've switched three years in a row.

Do you work for a relatively small company? I have spoken to colleagues in other financial institutions and they have said the same thing. I have Harvard Pilgrim and have had it 4ever. My company is pretty good about covering the rates, etc. So maybe I don't have all the facts correct but here in MA companies rarely switch and when they do the employees rarely save.

We are just a touch below 200. This last year, to have your family on the plan dropped almost 50 percent. Individuals went from 0 contribution to 21 bucks per month.

2 years ago my wife's company, one of the biggest in the world, switched and our premiums went down almost 15 percent. They went up about 5 percent this year.

Yeah, they ll start moving up I bet. 200 is a relatively small company as you know so I can see them switching to find better rates frequently. Good option in terms of opting out.