Why are Insurance Premiums always going up with fewer benefits?

How can I explain premium increases?

It’s difficult for me to explain when people facing a premium increase, ask why.  For some reason, I feel it’s argumentative.   I’ll hear that they aren’t having claims, they watch their health don’t have any pre X, etc.

• The 25% Problem:  (We don’t need 25% of the services) Why Health Care Is So Expensive (And What We Can Do About It)  CHCF 10/2025 
• Co Pays and Deductibles or not???     LA Times 1.8.2025 *
• Breaking down the conditions raising employer health care costs  UHC 10/2024
• California Office of Health Care Affordability (OHCA)  visit their website * 
• Medical inflation vs the rest of the economy Kff.org *
• 2024 Failing US Health System comparing to 10 other countries  Commonwealth Fund *
• Shining a Light on Health Insurance Rate Increases CMS.Gov

Thus, I’ve compiled on this just about every resource I could find to help explain why it’s so expensive to go to a doctor, hospital or get a Rx drug.   Including a feed from CHCF California Health Care Foundation on the latest health care news and trends

Please note also, that under ACA/Obamacare and even before, Insurance Companies are mandated to spend under Medical Loss Ratio Rules a certain amount 80-85% on health care costs.

• Options to improve affordability in CA Health Market 68 pages  June 2019
• President Trump said Insurance was more complicated than anyone knew.  He should have asked me or reviewed my website!
• If you have comments or questions, please post those below.  You don’t have to put in your name.

Resources & Links

• A $336 Band-Aid for a cut finger? Our healthcare system is nuts ^{Los Angeles Times} *
• How Much Does Sex Reassignment Surgery Cost? ^{Cost Helper.com} *

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