Rising Rates Pose Challenge to Health Law

Daily News Article - November 20, 2015

Questions

NOTE:  Look for a special Thanksgiving post next week. Regular "Daily News Articles" will resume Monday, Nov. 30.

1. Define the following terms as used in the article in reference to health insurance:
-insurance premium
-out-of-pocket
-deductibles
-copay
-subsidies

2. What three negative aspects of ObamaCare are people finding when signing up for 2016 health insurance policies under ObamaCare?

3. a) What changes have health insurance companies made to the insurance policies they are offering in 2016?
b) Why have they done so? Explain in your own words.

4. By how much are most insurance premiums increasing for individual plans in 2016?

5. Which group of Americans will be most affected by the increased premiums?

6. How do paragraphs 3 and 7 contradict each other?

7. Consumers in approximately half of the states that use HealthCare.gov will be able to pay lower premiums in 2016. What will they have to give up to get lower rates?

8. What effect could the steep price increases in 2016 have on overall insurance prices? (see paragraph 4)

9. Leslie Dach, a senior counselor at the Department of Health and Human Services said Tuesday that under Obamacare “we have seen everybody’s coverage improve.”  Ask a parent: has ObamaCare helped our family, or forced us to pay much more for the same or worse benefits?

CHALLENGE: Ask at least 3 adults (not from the same household):
a) Since the ObamaCare law was enacted, is your medical insurance better, worse or the same? Explain your answers.
b) Do you think your insurance will change for the better, worse or stay the same in 2016? Explain your answers.
c) Do you think your insurance will change for the better, worse or stay the same in 5 years? Explain your answers.

NOTE:  Look for special Thanksgiving post next week. Regular "Daily News Articles" will resume Monday, Nov. 30.