Name:   GoneFishin - Subject:   2026 Insurance Rates Date:   8/28/2025 4:50:40 PM (updated 8/28/2025 5:07:09 PM)

The big problem for the Companies with ACA has been preexisting condition coverage. Companies lost alot of money when coverage fisrt started with all the claims that were covered without regard to pre existing. It is easy to complain about ACA but damn diffiuclt coming up with a replacement that covers pre exisiting. The Republicans would like to offer coverage with an application that allows the insurance company to exclude pre exisiting.

Maybe a program like Medicare for all. I assume you are enjoyig your governement health insurance. After the $240 deductible, everything is covered. With Social Security and Government Health Insurance, you can be a Welfare King.

For D, I have been using Wellcare with $0 premium. I think that will end and 2026 will have a premium.

The Advantage program has had some issues fraud. Companies receive higher payments for each sicker Inured. Companies have been caugh changing codes that doctors send in and making the individual have more severe conditions. This has increased their bottom line and allowed them to offer free goodies on TV. CIGN was caught and fined $750 million last year. United is being reviewd currently.

CIGNA had sold all their Medicare Advantage policies to Blue Cross. The interesting point is that Companies receive payments based on the number of stars that appear on the reviews on the Governemnt Website. Humana received a low review and less subsidy which effects their bottom line. Customer service does matter.

The other day I caslled a bank and it was the typical 1 for English 2 for Spanish. I hit 1 and got someone named Mary Jane from Indonesia. Her english was impreccable if you live in Indonesia.