I am somewhat perturbed at the fact that for 2017, the individual rate or increase for health insurance was higher than the group rate for health insurance under the state health exchange plans. It's really quite disturbing to expect an individual who does not make a lot of money to pay more for health insurance than they would if it were offered in a group plan, that is if it were purchased under their states health insurance. This of course means that, the increase in cost that it takes to treat people with chronic illness, pre-existing conditions has been added to the cost of individual type purchases of health insurance. Why should any department of insurance or finance approve increases of absurd amounts for one type of insurance for individuals and then not increase it as much for group types of insurance? Then low and behold, or to make it more "across the board" health insurance rates in a state for some health insurance companies cost the same. This means that in an area where you have low income people, they are paying the same rate or health insurance premium as those in high or higher income areas. For example: Tusshie Privil lives in Nassau County and well what can she say, she makes a decent income to afford to live without assistance from the government or family. She works for a company called Nonegatives. They have group insurance purchased through their states exchange program. The rates were low because of the fact that they are part of a group and their county of Nassau does not affect them by paying more money because of their higher earnings for health insurance-which means people who need less from the government because of their higher financial status actually get more. Leroy Johnsonboy an educated and quite bright man who lives in Westchester and might as well raise chickens out of a tiny one room rental he lives in to supplement his income, because that is the only way he is going to be able to afford a decent meal. Mr. Johnsonboy makes very little money and the company he works for does not provide him with health insurance, and he was informed that it was up to him and of course, the state penalty for not having coverage was put into effect regarding this nonsense. Ms. Privil and Mr. Johnsonboy both have health insurance from their states health insurance exchanges, but because Ms. Privil is part of a group and although in a more affluent part of the state her insurance premiums are lower than Mr. Johnsonboy's who seems to be footing the bills all everywhere, especially with health insurance. In comparison with both people why is it that those with lower incomes seem to pay more than those with higher incomes? And why is the state allowing those counties with higher incomes to pay the same amount for health insurance as those with lower incomes? Is this an apples to apples thing? Or...."Justified because those people without group coverage and lower income counties seem to use health insurance more than those with group health insurance and who live in more affluent counties." Tusshie Privil gets her exams in routine and contacts her physician almost every time she sneezes. She is known for her constant medical workups. Mr. Johnsonboy, well, not so much- as winter approaches sleeping outdoors is not an option, if he goes to the doctor-it will be a reality. So Mr. Johnsonboy declines use of the health insurance. The problem here is that, the cost of health insurance seems to increase even for those who don't use it very much-but the cost of healthcare to those who use it quite frequently seems to be added to those who make less and live in less affluent towns despite the fact that some of these people may not use the health insurance often. Where is the apples to apples comparison or justification rate adjustment? If being homeless is the result or reality due to the lack of safe and affordable choices or options- then who is responsible for the failure?
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