Poll: Insurance premiums rising with new health law

In this Dec. 4, 2013, photo, President Barack Obama pauses as he speaks about the new health care law during a White House Youth Summit, in the South Court Auditorium in the Eisenhower Executive Office Building on the White House complex in Washington. Americans who already have health insurance are blaming President Barack Obama’s health care overhaul for their rising premiums and deductibles, and overall 3 in 4 say the rollout of coverage for the uninsured has gone poorly. (AP Photo/Carolyn Kaster, File)

In this Dec. 4, 2013, photo, President Barack Obama pauses as he speaks about the new health care law during a White House Youth Summit, in the South Court Auditorium in the Eisenhower Executive Office Building on the White House complex in Washington. Americans who already have health insurance are blaming President Barack Obama’s health care overhaul for their rising premiums and deductibles, and overall 3 in 4 say the rollout of coverage for the uninsured has gone poorly. (AP Photo/Carolyn Kaster, File)

WASHINGTON (AP) — Just when the government's insurance website is starting to run more smoothly, an Associated Press-GfK poll finds a potentially bigger problem for President Barack Obama's health care overhaul.

Americans who already have coverage and aren't looking for any more government help are blaming the law for their rising premiums and deductibles.

Those are the 85 percent of Americans that the White House says don't have to be worried about the president's historic push to expand coverage for the uninsured. Overall 3 in 4 say the rollout of coverage for the uninsured has gone poorly as health care remains a politically charged issue going into next year's midterm congressional elections.

In the survey, nearly half of those with job-based or other private coverage say their policies will be changing next year — mostly for the worse. Nearly 4 in 5 (77 percent) blame the changes on the Affordable Care Act, even though the trend toward leaner coverage predates the law's passage.

Sixty-nine percent say their premiums will be going up, while 59 percent say annual deductibles or copayments are increasing.

Only 21 percent of those with private coverage said their plan is expanding to cover more types of medical care, though coverage of preventive care at no charge to the patient has been required by the law for the past couple of years.

Fourteen percent said coverage for spouses is being restricted or eliminated, and 11 percent said their plan is being discontinued.

"Rightly or wrongly, people with private insurance looking at next year are really worried about what is going to happen," said Robert Blendon, a professor at the Harvard School of Public Health, who tracks public opinion on health care issues. "The website is not the whole story."

Employers trying to control their health insurance bills have been shifting costs to workers for years, but now those changes are blamed increasingly on "Obamacare" instead of the economy or insurance companies.

Political leanings seemed to affect perceptions of eroding coverage, with larger majorities of Republicans and independents saying their coverage will be affected.

The White House had hoped that the Oct. 1 launch of open enrollment season for the uninsured would become a teaching moment, a showcase of the president's philosophy that government can help smooth out the rough edges of life in the modern economy for working people.

Instead, the dysfunctional website became a parable for Republicans and others skeptical of government.

At the same time, a cresting wave of cancellation notices hit millions who buy their policy directly from an insurer. That undercut one of Obama's central promises — that you can keep the coverage you have if you like it. The White House never clearly communicated the many caveats to that promise.

Disapproval of Obama's handling of health care topped 60 percent in the poll.

With the website working better and enrollments picking up, Democrats are hoping negative impressions will quickly fade in the rearview mirror. The poll found that Democrats still have an edge over Republicans, by 32 percent to 22 percent, when it comes to whom the public trusts to handle health care.

But other potential bumps are just ahead for Obama's law.

It is unclear whether everyone who wants and needs coverage by Jan. 1 will be able to get it through the new online insurance markets. Some people who have to switch plans because their policies were canceled may find that their new insurance covers different drugs, or that they have to look for other doctors.

In the poll, taken just after the revamped federal website was unveiled, 11 percent of Americans said they or someone in their household had tried to sign up for health insurance in the new marketplaces.

Sixty-two percent of those said they or the person in their household ran into problems. About one-fourth of all who tried managed to enroll. Half said they were not able to buy insurance, and the remaining quarter said they weren't sure.

Phyllis Dessel, 63, of Reading, Pa., believes she is finally enrolled after 50 attempts online. The retired social worker, a political independent, currently has her own private insurance.

When Dessel described her experience, she jokingly asked, "Do you mind if I cry?"

Thanks to tax credits available under the law, she was able to save about $100 a month on the monthly premium for her new coverage. But she had to switch carriers because staying with her current insurer would have cost more than she was willing to pay. She hasn't gotten an invoice yet from her new insurance company.

The premiums she found on the new insurance marketplace were "not at all" what she expected, said Dessel. "They were much, much higher."

A supporter of Obama's overhaul, she believes changes are needed to make the coverage more affordable.

"I think with a lot of amendments or updates, it could be very, very helpful and beneficial," said Dessel. "I know a lot of people who don't have insurance. My hairdresser, my plumber don't have insurance, and they're not going to get it if it's not affordable."

The AP-GfK Poll was conducted Dec. 5-9 and involved online interviews with 1,367 adults. The survey has a margin of sampling error of plus or minus 3.5 percentage points for all respondents.

The survey was conducted using KnowledgePanel, a probability-based Internet panel designed to be representative of the U.S. population. Respondents to the survey were first selected randomly using phone or mail survey methods and were later interviewed online. People selected for KnowledgePanel who didn't otherwise have access to the Internet were provided with the ability to access the Internet at no cost to them.

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Comments » 28

MasonDixon writes:

When the lips flap, he's lying. Period.

ibestrait writes:

What happened to most Americans will save up to $2500 a year? How is that Hope and Change working out for you?

Pragmatic1 writes:

I was hoping to read WHY The ACA had anything to do with rising insurance rates that have been rising every year long before The ACA.

While The ACA provides a convenient scape goat for the continuing increase in health care costs, can someone connect the dots?

Does The ACA somehow increase premiums for those people not affected by The ACA? How?

And would those increases have happened anyway?

Th rmost visible target may not be the correct target.

Zoey writes:

in response to Pragmatic1:

I was hoping to read WHY The ACA had anything to do with rising insurance rates that have been rising every year long before The ACA.

While The ACA provides a convenient scape goat for the continuing increase in health care costs, can someone connect the dots?

Does The ACA somehow increase premiums for those people not affected by The ACA? How?

And would those increases have happened anyway?

Th rmost visible target may not be the correct target.

You are exactly right. Health insurance companies raise rates every year, year in and year out, and always have. It has nothing to do with the ACA. What the ACA DOES do, though, is make it so that you and your family can finally get insurance even if someone has a pre-existing condition. That humane change to the health insurance industry--long overdue--makes the ACA worth it, even if it provided no other benefits. But it does provide other benefits, such as making insurers toe the line and stop denying customers the benefits they are due. The ACA has finally forced the insurance industry to grow a conscience, which the industry never would've done on its own.

This poll, like many others, is meaningless.

MasonDixon writes:

in response to Pragmatic1:

I was hoping to read WHY The ACA had anything to do with rising insurance rates that have been rising every year long before The ACA.

While The ACA provides a convenient scape goat for the continuing increase in health care costs, can someone connect the dots?

Does The ACA somehow increase premiums for those people not affected by The ACA? How?

And would those increases have happened anyway?

Th rmost visible target may not be the correct target.

What doesn't go up in price every year?
In our case, our rates are rising $60/month for our insurance.

If we were s----- enough to sign up for Obe's FUBARcare, our premiums would rise $500/month and our deductible would double, not to mention having to worry about identity theft due to their junior high school level website.
In our case, it works out to about a $15,000 difference.

I've asked many times, and have been waiting for a response from you or any other enlightened Liberal:

WHERE'S THE $2500 IN LOWER PREMIUMS OBE PROMISED US?

Judge_Judy writes:

The worst law ever passed. But we had to pass it just to see what was in it.

zurich writes:

How can someone from the Associated Press write an article ,and has had Health Insurance for years ,tell us his/her premiums haven't gone up over the years ,just like everyone else's ? 20 years ago moved to SW Florida, and my insurance premiums doubled the day I took up residence here ,and have up every year because the cost of medical care in SW Florida is over twice the cost of the Midwest state I came from .

conchsoup writes:

From 1999 to 2012 (before ACA) health insurance premiums increased 172%. http://kaiserfamilyfoundation.files.w...

If you are interested in some nonpartisan facts take a look at the informative linked graph above. It will show how the double digit increases in premiums have been going on for years and vast increases in the percentage of premiums workers having been having to kick in.

The ACA is in large measure attempting to rein in these costs and expand coverage emphasizing prevention.

attaboy writes:

Side Note: Forget the website, forget the rate increases, forget the cancelled policy's, forget convenient executive change orders, forget the union exclusions, forget the congressional staff exclusions, forget the delayed corporate and business deadlines...just be honest with the American people, stop lying. Stop the spin doctors trying cover the mess up...
When will this arrogant idiot and his court jesters in washington ever learn, 'If you just tell the truth you don't have to remember what you said'
You can't blame Bush or the past for this mess...the one in charge owns this mess...He's the one that sold transparency and hope and change and...

Pragmatic1 writes:

The headline reads..

"Poll: Insurance premiums rising with new health law"

Yet there is no connection.

Then again it is a poll, not necessarily a fact.

Pragmatic1 writes:

in response to MasonDixon:

What doesn't go up in price every year?
In our case, our rates are rising $60/month for our insurance.

If we were s----- enough to sign up for Obe's FUBARcare, our premiums would rise $500/month and our deductible would double, not to mention having to worry about identity theft due to their junior high school level website.
In our case, it works out to about a $15,000 difference.

I've asked many times, and have been waiting for a response from you or any other enlightened Liberal:

WHERE'S THE $2500 IN LOWER PREMIUMS OBE PROMISED US?

So the ACA does not affect you. Yet you continue to go on about hypotheticals.

Since you have no dog in this race, All you really need to be aware of is that a lot of people who had no insurance and YOU were paying their medical bills are now carrying insurance.

You should be saying "Thank You, President Obama"

Pragmatic1 writes:

in response to attaboy:

Side Note: Forget the website, forget the rate increases, forget the cancelled policy's, forget convenient executive change orders, forget the union exclusions, forget the congressional staff exclusions, forget the delayed corporate and business deadlines...just be honest with the American people, stop lying. Stop the spin doctors trying cover the mess up...
When will this arrogant idiot and his court jesters in washington ever learn, 'If you just tell the truth you don't have to remember what you said'
You can't blame Bush or the past for this mess...the one in charge owns this mess...He's the one that sold transparency and hope and change and...

You we're prefer we not have a health care system at all?

You prefer insurance companies controlling medical care to favor profits and the wealthy and dictate any predatory pricing or outright exclusion it wants?

You prefer we keep plodding along with the highest medical costs in the world and a health care system tied with Cuba?

Anyone can complain about anything. But doing something about it? That is what separates Democrats from The Republican Party of No.

There is no better evidence of that now than the current Republican House, the statistically proven least productive Congress in history.

You may criticize President Obama or Democrats but I give them credit for trying to solve a problem, health care costs, which is eating this country up from the inside.

All Republicans are doing is throwing rocks. Where is their alternative?

Pragmatic1 writes:

in response to Judge_Judy:

The worst law ever passed. But we had to pass it just to see what was in it.

Get over it.

It sure beat the Alternative Republican Plan then and it beats the Alternative Republican Plan now.

attaboy writes:

in response to Pragmatic1:

You we're prefer we not have a health care system at all?

You prefer insurance companies controlling medical care to favor profits and the wealthy and dictate any predatory pricing or outright exclusion it wants?

You prefer we keep plodding along with the highest medical costs in the world and a health care system tied with Cuba?

Anyone can complain about anything. But doing something about it? That is what separates Democrats from The Republican Party of No.

There is no better evidence of that now than the current Republican House, the statistically proven least productive Congress in history.

You may criticize President Obama or Democrats but I give them credit for trying to solve a problem, health care costs, which is eating this country up from the inside.

All Republicans are doing is throwing rocks. Where is their alternative?

Put down the kool-aid...we all need health insurance. I plan on being able to get it when whenever the 'system' is working. Who said anything about politics...my entire comment was about getting the idiots incharge to stop the lying, dodging and deception...you can take that where ever your kool-aid lands you but straight up it's simple...Obama, stop the lying and dodging, sack up and take ownership...respect yourself if you still remember what integrity feels like. Drop the unearned arrogance, dig in and lead, stop following and hiding...

Pragmatic1 writes:

in response to attaboy:

Put down the kool-aid...we all need health insurance. I plan on being able to get it when whenever the 'system' is working. Who said anything about politics...my entire comment was about getting the idiots incharge to stop the lying, dodging and deception...you can take that where ever your kool-aid lands you but straight up it's simple...Obama, stop the lying and dodging, sack up and take ownership...respect yourself if you still remember what integrity feels like. Drop the unearned arrogance, dig in and lead, stop following and hiding...

As for lying, dogging and the idiots in charge, that is the nature of our political system and those liars, dodgers and idiots are found in abundance in both political parties.

What a country!

Ruskin writes:

in response to Pragmatic1:

As for lying, dogging and the idiots in charge, that is the nature of our political system and those liars, dodgers and idiots are found in abundance in both political parties.

What a country!

Hopey Changy Transparency?...

Zoey writes:

in response to Pragmatic1:

Get over it.

It sure beat the Alternative Republican Plan then and it beats the Alternative Republican Plan now.

Your comments have been right on. The Affordable Care Act is the best domestic policy any President has enacted since FDR, widely considered the best Prez since Lincoln. It will keep Americans healthier, reduce overall health care costs, and save lives. Anyone with half a brain should be writing thank-you letters to the White House.

BonitaTango writes:

My monthly premium went up $150.00
THANKS OBAMA!!!

Zoey writes:

in response to BonitaTango:

My monthly premium went up $150.00
THANKS OBAMA!!!

So switch insurance companies to get a cheaper rate, which you can now do even if you have pre-existing conditions. To blame Obama for your insurance company's greed is just silly. Like saying it rained today because you washed your car.

MasonDixon writes:

in response to Pragmatic1:

So the ACA does not affect you. Yet you continue to go on about hypotheticals.

Since you have no dog in this race, All you really need to be aware of is that a lot of people who had no insurance and YOU were paying their medical bills are now carrying insurance.

You should be saying "Thank You, President Obama"

Can you or any Lib answer my question, please?
WHERE'S THE $2500 IN LOWER PREMIUMS OBE PROMISED US?
.
.
.
.
.
.
.
.
.
.
I didn't think so.

attaboy writes:

in response to Pragmatic1:

As for lying, dogging and the idiots in charge, that is the nature of our political system and those liars, dodgers and idiots are found in abundance in both political parties.

What a country!

We can certainly agree on that

BonitaTango writes:

in response to Zoey:

So switch insurance companies to get a cheaper rate, which you can now do even if you have pre-existing conditions. To blame Obama for your insurance company's greed is just silly. Like saying it rained today because you washed your car.

Many Thanks for your useless comment.
I checked all that.
The company I've had for over 20 years still offers the lowest rate for me, my wife and 3 children. It went from $1,100/month to $1,250 month.
THANKS OBAMA!!!

Zoey writes:

in response to MasonDixon:

Can you or any Lib answer my question, please?
WHERE'S THE $2500 IN LOWER PREMIUMS OBE PROMISED US?
.
.
.
.
.
.
.
.
.
.
I didn't think so.

My health insurance premiums have actually gone down far more than that. Thank you very much. You need to join the system to get your decent rate. And who the heck is OBE? Are you thinking of Star Wars?

wolfgang1 writes:

in response to Zoey:

So switch insurance companies to get a cheaper rate, which you can now do even if you have pre-existing conditions. To blame Obama for your insurance company's greed is just silly. Like saying it rained today because you washed your car.

Zoey- here are the facts for us:
Upper middle class ( don't qualify for subsidies)Married couple 51 and 54 with no pre-existing. I have high deductible insurance for both of us, $530 a month. It's been going up about 5 or 6 percent every year.
However, with wonderful Obamacare, I will no longer have access to a policy like this because it is not ACA compliant. Instead, THE CHEAPEST Obamacare policy for us is $800 per month. Which is great in case my 54 year old wife gets pregnant.
The free market would have been a better solution, with a pool for people who have pre-existing conditions. Why should my health insurance now cost more than my mortgage payment so we can pay for other peoples stuff ( pre-natal, prescriptions, psychiatric, etc)? This is Socialism at it's worst ( and we vote Demoncrat)Obamacare is a disaster, personally speaking, and we definitely have voter's remorse!

DinNaples writes:

in response to wolfgang1:

Zoey- here are the facts for us:
Upper middle class ( don't qualify for subsidies)Married couple 51 and 54 with no pre-existing. I have high deductible insurance for both of us, $530 a month. It's been going up about 5 or 6 percent every year.
However, with wonderful Obamacare, I will no longer have access to a policy like this because it is not ACA compliant. Instead, THE CHEAPEST Obamacare policy for us is $800 per month. Which is great in case my 54 year old wife gets pregnant.
The free market would have been a better solution, with a pool for people who have pre-existing conditions. Why should my health insurance now cost more than my mortgage payment so we can pay for other peoples stuff ( pre-natal, prescriptions, psychiatric, etc)? This is Socialism at it's worst ( and we vote Demoncrat)Obamacare is a disaster, personally speaking, and we definitely have voter's remorse!

When you present these people with facts they get noticeably silent.

allegro writes:

in response to DinNaples:

When you present these people with facts they get noticeably silent.

The free market is what we have had.
What for profit organization will cover someone with serious pre-existing conditions?

I get sick of the idiocy of promoting a free market when it comes to health. If you have a serious long term disease, who will cover you? Silence from you all!
You have not thought it through!!! Free market is good for non essentials but not for saving peoples lives.

Further more. Collier county has only ONE CHOICE for Obama Care. ONE. The republicans who had the power to set up your drone of free market competition, did NOT. They stifled it!

WE have only Florida Blue Cross to choose from.

Explain please how free market loving republicans in Tallahasee screwed us so badly.

Your silence will be deafening.

Zoey writes:

in response to wolfgang1:

Zoey- here are the facts for us:
Upper middle class ( don't qualify for subsidies)Married couple 51 and 54 with no pre-existing. I have high deductible insurance for both of us, $530 a month. It's been going up about 5 or 6 percent every year.
However, with wonderful Obamacare, I will no longer have access to a policy like this because it is not ACA compliant. Instead, THE CHEAPEST Obamacare policy for us is $800 per month. Which is great in case my 54 year old wife gets pregnant.
The free market would have been a better solution, with a pool for people who have pre-existing conditions. Why should my health insurance now cost more than my mortgage payment so we can pay for other peoples stuff ( pre-natal, prescriptions, psychiatric, etc)? This is Socialism at it's worst ( and we vote Demoncrat)Obamacare is a disaster, personally speaking, and we definitely have voter's remorse!

How fortunate for you that you are healthy and affluent. Instead of being grateful for your blessings, you are trying to blame the health-care reform that benefits the majority of your fellow Americans for what you say is an increase in your premium. What you are now paying for is decent insurance coverage that will protect you and your wife from a change in your good fortune as you grow older and experience the inevitable serious health issues. You should count the ACA as another one of your future blessings.

As for "paying for other people's stuff," what on earth do you think you are doing every time you get an outrageous bill from a doctor, clinic, ER, or hospital under the pre-Obamacare system? You're paying for all of the people who have no health insurance. Sheesh.

Zoey writes:

Oh, by the way, Marco Rubio takes advantage of the Affordable Care Act, which he tried to squash. Surprise surprise.

http://www.occupydemocrats.com/watch-...

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