How many bare bones policies are there out there, a lot.  Right now all are not too happy with their policies being cancelled and most do not mind as long as they are offered something comparable along with affordable payments.  That has not been the case though for all and it’s the automated algorithmic math formulas of the insurance companies that calculate this. image Again the Affordable Care Act wanted to ensure that consumers had a policy that in fact offered “enough” coverage  as to the parameters established.  I can’t remember how many articles I have read about “the under insured” which is just about as big of a problem as the non insured.  I know all the articles have been out there with the big bang effect and are impacting everyone differently.

Let’s not forget this is how “your insurer” is handling this.  This is not a new phenomena as insurers have done this for years, cancel one type of policy and covert members over to new policies.  It will continue to happen as insurers run their extreme math modeled business intelligence algorithms that execute for profit.  It happened to me years ago.  Some folks are getting a policy that may have around the same premium amount but get lesser benefits and higher co-pays and out of pocket limits.  That part has been going on for years with insurers within their own risk groups so nothing changed there and with or without Obamacare that process will continue.  Even in the business end with employer provided insurance, they too are getting the same treatment but maybe not as fast or drastic but they are getting less as well.  I had my doubts back in 2009 that Sebelius and DeParle had the IQ for the math business models to work with insurers. 

Here’s the story about Walgreens and on top of moving to a private exchange, you have an investors relations/broker running the exchange to where the interests of the shareholders will always be number one.  As you can see AON must have some pretty high profile clients to advertise and offer kidnapping and ransom insurance:)  It begins next year and employees will be given a non established amount of money to spend for their choice of plan and there are jillions on this private exchange.  They too will find themselves with higher deductibles and a bit less for the same out of pocket expenditures, the only difference is the contribution made by Walgreens.   Interesting for a company that makes about a billion a year selling out data. 

Walgreens Plans to Move 180,000 Employees Over to Insurance Exchange Managed By AON Consultants, Risk Management, Re-Insurance, Kidnap and Ransom Coverage…And So On
Walgreens Cashing in Big In the Data Selling Epidemic Arena–Incentives Connected to Apps and Devices That Sell, Re-Query and Re-Sell Our Data And Data Profiles

Now the the folks that are getting blasted with “huge” policy increases, that’s another story and again keep in mind this is due to the risk pool of the insurance company.  Remember here I am NOT talking about policies bought through the exchanges.  Your insurance company is telling you what it will cost and it’s their math models and algorithms, not Obamacare here.  The role that the ACA has here to make sure you are not under insured by requiring certain elements be covered.

I read a few stories and yes some are priced out of the market and again this is YOUR HEALTH INSURANCE COMPANY with or without Obamacare than can decide to make these changes.  Again it has gone on for years long before Obamacare even existed.  So, when this happens with a huge increase with premiums from your insure, head to to exchanges.  I have read enough to see if the folks being hit with big premiums are those who are ill and have chronic conditions, but it would not surprise me a bit as that’s how the analytics are modeled at insurers. 

I just thought this should be explained and how it is happening and it’s not all the blame on Obamacare at all and again I would think some of the bare bones currently polices that people have are being affected a lot as again the ACA wants to insure people are not “under insured”. 

You should also be aware that there’s a pretty good chance that your doctor will be paid less on a policy bought from the exchange and it’s about 30% less here in California as some doctors have told me.  I also get the fact that you can’t be protected from being under insured to being put to where you can’t afford it as well and that’s how the math formulas of insurers shake it out.  They are still making big profits as a reminder.  Hospitals that may treat you don’t want the “under insured” patients either as another note as many of them are struggling to stay alive today too and are dealing with getting paid 2% less since April due to the sequester. 

As I wrote back in April it is not Obamacare that is failing (outside the website) right now but it is the complex math formulas used for profit by insurers.  I called it the Affordable Complexities Act and right now with the insurance exchanges you are seeing how complex life with IT infrastructures has become. 

Not ObamaCare That is Failing, It’s the Models and Subsequent Algorithms that Execute Within IT Infrastructures Intersecting, Changing And Conflicting– The Affordable “Complexities” Act…

Unintended Consequences = Algorithms in Models That Execute, Where Everyone Forgot About Their Inclusion…when aggregating data sources….you can read below even before the exchanges began that CMS and the Inspector General were duking it out over errors on the first website..

CMS and Inspector General Duking It Out Over Government Website Data That Helps Consumers Find Health Plans- Just Wait Until the Exchanges Get Going And We Find Those Shortcomings…

The way this is shaking out is all designed with math models and algorithms and how it shakes out depends on the machines and thus today I tell everyone to ask questions and be a skeptic when you need to be and something is not right so ask questions, ask a lot of questions.  As we are seeing today with the data selling epidemic in the US, the amount of flawed data is on the rise as sadly it is not always checked for accuracy but rather is checked for profitability.  Visit the Algo Duping page and it will change how you view all of this and you will understand why and the videos are all at the layman level.  They won’t make you very happy but if nothing else it will instill upon you to ask questions and demand answers as there’s a lot of flawed data out there and bad models with dirty algorithms that float amongst the good.  BD

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.

Four sources deeply involved in the Affordable Care Act tell NBC NEWS that 50 to 75 percent of the 14 million consumers who buy their insurance individually can expect to receive a “cancellation” letter or the equivalent over the next year because their existing policies don’t meet the standards mandated by the new health care law. One expert predicts that number could reach as high as 80 percent. And all say that many of those forced to buy pricier new policies will experience “sticker shock.” 

Yet President Obama, who had promised in 2009, “if you like your health plan, you will be able to keep your health plan,” was still saying in 2012, “If [you] already have health insurance, you will keep your health insurance.”

“This says that when they made the promise, they knew half the people in this market outright couldn’t keep what they had and then they wrote the rules so that others couldn’t make it either,” said  Robert Laszewski, of Health Policy and Strategy Associates, a consultant who works for health industry firms. Laszewski estimates that 80 percent of those in the individual market will not be able to keep their current policies and will have to buy insurance that meets requirements of the new law, which generally requires a richer package of benefits than most policies today.


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