General Discussion
In reply to the discussion: Just got my ACA premium notice for next year [View all]gmb92
(57 posts)What surprises me most is how poor that letter from Humana is. It states:
"Your expected monthly payment will be: (using your 2014 APTC amount)"
How can that be remotely "expected" if it's based on 2014's subsidy, which is sure to increase if income remains in line with inflation, lowering the premium?
It then refers their customer to their website on updating APTC.
How does a letter like this help to retain their customers? It instead would prompt some to trip out about it and head to the marketplace to find better deals, in which case subsidy amounts will be updated for 2015, making all other plans (the Humana one included) have lower premiums.
Letters like these would have been fine in a pre-ACA environment when there were no subsidies to help pay for costs and thus the premium stated would be accurate. It seems Humana has not adjusted their business model.
And of course we have a mainstream media that just mindlessly parrots scare tactics, stories of "big premium hikes", which I suppose works to get people responding with knee-jerk reactions to everything.