RI ikuvomereza kuonjezera kuchuluka kwa inshuwaransi yazaumoyo

Kuwonjezeka kwa mitengoyi kumabwera pafupifupi mwezi umodzi kuchokera pamene anthu adapereka ndemanga ku ofesi ndi ofesi ya loya wamkulu wa Rhode Island. Chaka chilichonse, ofesi ya Attorney General Peter F. Nironha imalemba ntchito akatswiri odziyimira pawokha kuti awunikire kuchuluka kwamakampani a inshuwaransi yazaumoyo.

M’mwezi wa June, Teague adati kuwonjezereka kwamitengo komwe kukuyembekezeka kukuwonetsa “kufunika kopitilirabe kugawana nawo ma inshuwaransi ndi opereka chithandizo kuti athe kuthana ndi zotsika mtengo zachipatala kuti athe kukwanitsa kukwanitsa ogula ndi mabizinesi ku Rhode Island.”

Panthawi yopereka ndemanga za anthu, a Rhode Islanders adakwiya ndi kuwonjezeka.

“Ndidakumana nazo ndikukwera mtengo kuchokera [Blue Cross Blue Shield,” wrote Mark De Binder in an email to OHIC. He said his and his wife’s plan has gone from $800 to $2,400 per month since 2012. “And we don’t have any un-normal health situations.”

Clay Moore, a sales and business development manager, said all Rhode Islanders are facing “excessive increases” in gas prices, rent, property taxes, groceries, and utility bills, and it is “unconscionable to raise” rates.

Neronha told the Globe in a statement Wednesday that there appears to be a “presumption” by most insurers that their rates must go up every year, regardless of prevailing economic and other conditions.

“If healthcare costs are rising, it is the public alone who must bear the full weight of those rising costs,” said Neronha in his statement. “And it is a clever game that these insurers play. They typically ask for the moon, recognizing that they are likely to get less, yet secure in the knowledge that the lesser amount they are virtually guaranteed to receive will nevertheless be an enormous win.”

Blue Cross Blue Shield of Rhode Island and Neighborhood Health Plan of Rhode Island requested plans to be sold on the individual market for people who do not receive insurance through their employer. Blue Cross Blue Shield requested a 9.6 percent rate increase, but was approved for a 3.1 percent rate increase into the next year. Neighborhood requested a 6.8 percent increase, but after the Attorney General’s office recommended a 9.8 percent increase, Tigue approved a 8.2 percent increase — which will impact the more than 25,000 people enrolled in the plan.

Brian Hodge, a spokesman in the Attorney General’s office, said Neronha urged Tigue to “deny all requested increases, except for Neighborhood’s in the individual market.”

“This year, like last year and the year before, we advocated that OHIC use its discretion to deny the requested premium increases. We did this, despite our own retained actuaries’ analysis, because I believe they are nevertheless not justified given current, overall economic conditions,” said Neronha in his statement to the Globe. “The only exception was a single instance where, based on our actuaries’ opinion, an increase to Neighborhood’s rates in the individual market was necessary to ensure the company’s solvency and thereby maintain consumer choice in that market.

Last year, Tigue approved a 3.5 percent rate increase for Neighborhoods individual market plans.

“My office has conducted a thorough review of the rate filings, public input, and considered the actuarial recommendations provided by the [Attorney General’s office] M’misika yonse, Teague adatero.

Blue Cross Blue Shield, Neighborhood Health, UnitedHealthcare ndi Tufts Health ayambitsa ndondomeko zamsika za gulu laling’ono. UnitedHealthcare inapempha kuwonjezeka kwakukulu kwa inshuwaransi zonse pa 12.3 peresenti pansi pa ndondomeko ya HMO, ndi kuwonjezeka kwa 10.7 peresenti pansi pa ndondomeko yawo ya PPO – yomwe yachepetsedwa kukhala 5 peresenti ndi 3.5 peresenti, motero.

Blue Cross Blue Shield, kampani yayikulu kwambiri ya inshuwaransi yazaumoyo m’boma yomwe ili ndi anthu pafupifupi 41,000 omwe adalembetsa kuyambira mwezi wa Marichi pagulu lawo laling’ono, adapempha kuti chiwonjezeko cha 11.7% ndikuvomerezedwa kuti chiwonjezeke ndi 9.7%.

Ma inshuwaransi asanu, kuphatikiza Blue Cross Blue Shield, UnitedHealthcare, Tufts HealthPlan, Aetna, ndi Cigna, adapereka mitengo yayikulu. Kuwonjezeka kulikonse kwamtengo kumavomerezedwa ndi zosinthidwa. Aetna adavomerezedwa kuti awonjezere 5.4 peresenti, Cigna kuwonjezeka kwa 5.7 peresenti, Blue Cross Blue Shield kuwonjezeka kwa 5.9 peresenti, ndi kuwonjezeka kwa 8 peresenti kwa gulu lalikulu la UnitedHealthcare.

Mapulani azaumoyo a Tufts adavomereza kuwonjezereka kwa 8.8 peresenti mu dongosolo lawo la HMO ndi kuwonjezeka kwa 8.9 peresenti mu dongosolo lawo la PPO.

M’makalata koyambirira kwa Ogasiti, Nironha adakumbutsa Tigue za kudzipereka kwake mu June kuti aunikenso “molimba” pamitengoyi.

“OHIC ili ndi mwayi wotsimikiziranso kudzipereka kwake ku chithandizo chamankhwala chotsika mtengo kupyolera mu ndemanga zamtengo wa 2023 mwa kukana kuwonjezereka kosafunikira kofunsidwa ndi inshuwalansi,” Neronha analemba asanavomereze mitengoyi. “Zopempha zowonjezera mitengo ya chaka chino zimabwera panthawi yomwe inflation ili pamtunda wake wapamwamba kwambiri m’zaka za 40 … Oposa 130,088 Rhode Islanders angakhale ndi mtengo wina wowonjezereka ngati ukukwera kwamitengo kuvomerezedwa.”


Alexa Gagosz atha kufikiridwa pa alexa.gagosz@globe.com. Tsatirani iye pa Twitter Tweet embed Ndipo pa Instagram @AlexaGagosz.

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