Comments about ‘Gov. Herbert now wants feds to run individual health insurance exchange in Utah’

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Published: Tuesday, Feb. 5 2013 3:15 p.m. MST

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Obama10
SYRACUSE, UT

I must be ignorant on exactly what the state exchange is? Is it just a clearing house for individuals to shop for health insurance? You can already do that. When I was self employed, I called a health insurance broker and he shopped to find me the lowest price insurance carrier. Since we really only have three in Utah (IHC, Altius, Humana)the process isn't that hard. What am I missing?

Mukkake
Salt Lake City, UT

I think this is in keeping with Herbert's policies on everything:

The State of Utah only protects businesses and business rights. The State only cares about individuals and individual rights as far as it is federally mandated/required to do so.

jrgl
CEDAR CITY, UT

@Obama10
The state exchange is called Avenue H and can be found online. It is not for individuals at this point in time and serves the business community. According to the meeting between Governor Herbert & Health & Human Services Secretary Sebelius it sounds like Ave H won't be for the individual market in Utah. As part of "Obamacare" each state is to set up an exchange that is similar to booking a trip online with a site like Travelocity for individuals as well as steer the the middle class towards subsidies that would help pay for their premiums. People with incomes up to 150 percent of the poverty level could be covered under Medicaid and would find that on the exchanges. States that do not set up an exchange will be served by the federal exchange. These changes are happening Jan. 1, 2014. More info at www.healthcare.gov

Obama10
SYRACUSE, UT

@jrgl
Thank you for the info. Still a little confused as to why we need the Federal Govt to be involved if we have brokers who do this already? Is there something the Federal Govt is offering that the brokers can't besides the subsidies?

jrgl
CEDAR CITY, UT

@Obama10
One more thought & cautionary tale. I have been hearing that my friends who have bought individual insurance through brokers, may have bought plans that are "grandfathered in". That is, they thought some of the preventative services (mamograms, colonoscopies) would be covered because they have been hearing that the Affordable Care Act requires them to be covered. Then when they got the procedure & their insurance denied the claim saying that their plan is not part of the "Affordable care act", but grandfathered in, so they ended up with big bills. These are plans that they never use other wise and have payed increasing premiums for years on!
So, do check to see if your current plan will be "grandfathered in" or if it will carry all the coverage that the new law requires insurance companies to cover. It's going to take homework to figure "Obamacare"out.

bodgerdlue
Kearns, UT

Did anyone else find it interesting that our "fiscally conservative" governor went to Washington D.C. for a one-hour meeting with the HHS Secretary and was planning on doing so again in the next few weeks? Who's financing these little junkets? And if the meeting is only an hour what's wrong with a teleconference, or video conference?

one old man
Ogden, UT

jrgl -- thank you very much for an apparently knowledgeable post regarding this topic.

It was especially interesting to read a bit of material that explains perfectly why ACA -- or Obamacare -- is needed: ". . .they thought some of the preventative services (mamograms, colonoscopies) would be covered because they have been hearing that the Affordable Care Act requires them to be covered. Then when they got the procedure & their insurance denied the claim saying that their plan is not part of the "Affordable care act", but grandfathered in, so they ended up with big bills. These are plans that they never use other wise and have payed increasing premiums for years on!"

The insurance companies have been scamming Americans for far too many years. We should all be thankful for Obamacare and a President who had the courage to push it through. It will have some initial problems, but those can be ironed out.

dalefarr
South Jordan, Utah

I hope the Feds do run an insurance exchange in Utah. The State inadvertanly leaked medicare records and social security numbers last year. UDOT had scandals. The prison system too. The State can't even sell booze without corruption. The UTA's track record is abysmal. Now the taxpayers are about to be fleeced again by relocating the prison so that political cronies can benefit. The State was impotent in proscuting white collar crime. We don't do government well in Utah.

John20000
Cedar Hills, UT

It is clear from the comments made here that very little of the 2,700 page law and 11,000 pages of regulations are understood. The result of Obamacare will (1) not be better healthcare, but worse, (2) not be more people covered, but less, (3) not be cheaper care, but more expensive, and (4) will create a lunch-time commute for those that now have to get two jobs because their hours are cut. It is the worst legislation in my lifetime.

VST
Bountiful, UT

Obamacare will cost $1.76 trillion over the next ten years. [Source: CBO]

dennisthemenace
Highland, UT

HHS and IRS are still in the rule making stage, so not all details of the implementation phase have been finalized. State Health Care eExchanges are supposed to be ready by October 1, 2013, for open enrollments to be effective January 1, 2014. As far as costs, expect individual policies to be very pricy as insurers are prohibited from using all but the most basic underwriting guidelines. Instead, they are being forced to 'community rate' the policies, which means the costs of treating all expected pre-existing conditions represented by the anticipated enrolling population must be priced into the policies, regardless of what your individual health status is. Also, in the group market, employers are already seeing sizable increases in 2013 and for 2014 that cannot be explained alone by their group's medical claims history and modest medical cost inflation. Nearly EVERYONE can expect to see a rate increase for 2014, and employers will look to cost shift some of the increase to employees. There is no free lunch for anyone on this plan except the indigent. Why would a healthy single individual who is not covered by an employer choose to buy an expensive individual policy?

Star Bright
Salt Lake City, Ut

Have a friend who works in the exchanges in an eastern liberal state. The corruption is unbelievable - contracts awarded to relatives - no accounting for the money. Is this what we elected a republican gov to be part of?
Besides John 20000 - whether you like it or not there will be appointed 0bama's people who will decide when you are too old to be getting service. Death panels, you bet. For all you seniors who were dupted - so sorry, but you have dragged the rest of us in with you.

Happy Valley Heretic
Orem, UT

Star Bright said "Death panels, you bet. For all you seniors who were dupted - so sorry, but you have dragged the rest of us in with you."

Thank you Sarah Palin, even fox finally fired her. Passing on lies don't make them anymore true.
By the way seniors are seeing a savings already on their prescriptions.

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