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Posted on December 6 at 12:44 p.m.
Having just come back from my annual physical exam ....
The insurance market is complex with costs a function of many variables. I suspect there are more than a few older folks commenting here who have individual (as opposed to group) plans.
I need to do more research, but it appears one reason many plans are being cancelled is because they don't provide minimum levels of coverage. For example, plans that don't cover preventative care. And we all know taking advantage of preventative care leads to healthier lives and lower medical costs down the road.
Based on this, a rough analogy might be .. pay a lower price per month to lease a car that runs half the time (and you have to foot the repair bills) or pay more for a car that runs better (and you have to foot the cost of oil changes, etc.):
Insurance is by definition a shared risk pool. Actuaries within the insurance companies have been free to set their prices based on that concept, or not. Fairly or unfairly. With the AHCA, a goal is to make those decisions more "fair". For example, insurance companies are now required to rebate customers when less than ~80% of premiums go towards coverage. Do you really want 40% of your premiums to pay for marketing and executive compensation, as they did in the past?
Food for thought.
On Affordable Care Act Responsibilities for the Individual
Posted on December 6 at 9:34 a.m.
My employer-provided group insurance went up ~15% with few coverage changes, but that's pretty much par for the course.
Posted on December 6 at 9:30 a.m.
Darn, missed the chance for a cool time exposure photo.
On Rocket Launch Scheduled for Thursday Night
Posted on December 3 at 10:58 a.m.
Great idea. Hundreds of bikes are abandoned in IV each year ... do they still do the bike auction on unclaimed bikes? Maybe Bici Centro can tap into that?
On What a Difference a Bike Makes
Posted on December 3 at 10:52 a.m.
Canada will get back at us when the arctic circle melts and they become rich from oil.
Canadian dental jewelry sales will then soar and the hordes will swoop south to steal our women.
On Yo, Canada!
Posted on December 1 at 1:11 p.m.
At over 500 pages, the draft plan is more than a casual read.
However, I saved a copy because it looks like a great source of info for planning a future visit.
I'd vote for any plan that strikes a balance between mitigating previous adverse impacts, preserving the "untrammeled" nature of the islands, protecting wildlife habitats, setting aside some wilderness areas, and increasing educational opportunities especially for school kids.
Access seems OK (available, but low key) and I'd hate to more islands becoming another ferry destination for hordes of people. Expanding the mainland visitor centers sounds like a good idea.
On Future of the Channel Islands
Posted on November 29 at 10:53 a.m.
I just saw a flying pig!
I can't believe I'm sharing the same sentiments as foofighter :)
On Goleta Mosque Closer to Reality
Posted on November 29 at 10:43 a.m.
"Employers point to the lack of qualified candidates as the major barrier to hiring, citing a lack of technical and soft skills needed to meet workplace demands."
True. In the industry I work in, there aren't enough kids with the right skills in math or science so we drain the brains from other countries (China, India, Pakistan, Taiwan, etc.).
There are many contributing issues. But an interesting one is that science in the US has become de-popularized due to the politicization of science
Talk about shooting off your own foot.
On Education = Strong Economy
Posted on November 29 at 10:26 a.m.
What would be in it for SLO?
On North v. South
Posted on November 29 at 10:11 a.m.
@thomas592003 ... if you want to get out there, all you have to do is call up Island Packers.
But don't sit next to me if you're unwashed.
Casa del Herrero will be hosting an annual party with ... Read More
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