41% Hike in Insurance Premiums

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Obama Remorse


Hattip to Mary Katharine Ham at Hot Air.  The good news in regard to ObamaCare just keeps on coming:

Notably, this doesn’t count co-pay and deductible hikes. Avik Roy offers the third in a series of maps meant to show, state by state, the impact of Obamacare on the individual insurance marketplace:


One of the fundamental flaws of the Affordable Care Act is that, despite its name, it makes health insurance more expensive. Today, the Manhattan Institute released the most comprehensive analysis yet conducted of premiums under Obamacare for people who shop for coverage on their own. Here’s what we learned. In the average state, Obamacare will increase underlying premiums by 41 percent. As we have long expected, the steepest hikes will be imposed on the healthy, the young, and the male. And Obamacare’s taxpayer-funded subsidies will primarily benefit those nearing retirement—people who, unlike the young, have had their whole lives to save for their health-care needs.


Bros hardest hit?


Men will face the steepest increases: 77, 37, and 47 percent for 27-year-olds, 40-year-olds, and 64-year-olds, respectively. Women will also face increases, but to a lesser degree: 18%, 28%, and 37% for 27-, 40-, and 64-year-olds.


There are several states that will see premium decreases, most of which are benefiting because their individual markets were already highly regulated and expensive. Winners and losers:


Eight states will enjoy average premium reductions under Obamacare: New York (-40%), Colorado (-22%), Ohio (-21%), Massachusetts (-20%), New Jersey (-19%), New Hampshire (-18%), Rhode Island (-10%), and Indiana (-3%). Most, but not all, of these states had heavily-regulated individual insurance markets prior to Obamacare, and will therefore benefit from Obamacare’s subsidies, and especially its requirement that everyone purchase health insurance or pay a fine.

The eight states that will face the biggest increases in underlying premiums are largely southern and western states: Nevada (+179%), New Mexico (+142%), Arkansas (+138%), North Carolina (+136%), Vermont (+117%), Georgia (+92%), South Dakota (+77%), and Nebraska (+74%).


Other winners: The elderly at the expense of the young. Losers: People who like their doctors and current deductibles.

Go here to read the rest.  None of this should come as a surprise.  ObamaCare mandates that policies cover all sorts of things that people would not have in their policies if they still had freedom of choice:  maternity coverage for couples in their sixties, “free” birth control for post menopausal women, mental health coverage for people who have no mental health problems.  Only an idiot could have thought that mandating this coverage would not have led to higher prices.  We have the additional problem of health insurers now being unable to exclude coverage for  pre-existing conditions.  It is impossible for a private insurance company to keep its rates low when it knows that it will have to take on people who already have very expensive illnesses.  It would have been more rational, and far cheaper, to have such people receive coverage for such pre-existing conditions through Medicaid rather than to crash the private health insurance system, which is what ObamaCare is in the process of doing.  This is a completely foreseeable manmade disaster and a slight majority of the American people have nothing but themselves to blame for ignoring the numerous warning voices since this mess was passed in 2009 without one Republican vote.


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  1. This whole fiasco has members of my family in complete chaos! My son who is 40 was just kicked off his policy because of a “pre existing” condition. Sleep apnea. He has 4 children and is a farmer. They have the kids insured but he cannot get insured. another young family member who just had her first child has just been told that she can no longer have her company insurance or her docs. She is a therapist at the local prison. Another’s been informed that their insurance premium will double, with a larger co-pay and a larger out of pocket. They have 5 children and are in a panic. This administration is pure evil. Now I know why the night of the first BO election I didn’t sleep a wink. My premonitions are all coming true. BO just plain stinks and we get to live through it.

  2. It’s interesting that the states that’ll see overall reductions in premiums are
    blue, and that the states that’ll see the biggest increases are mostly reds…

    Naturally, the crucial swing-state of Ohio will see reductions, on average.

  3. This is a completely foreseeable manmade disaster

    As it was intended to be.

    and a slight majority of the American people have nothing but themselves to blame for ignoring the numerous warning voices since this mess was passed in 2009 without one Republican vote.

    You can’t bake a single-payer omelette without breaking a few eggs.

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