At cspan. Org. The Obama Administration has said that people will see their rise see their rates rise by as much as 25 . Sylvia burwell says subsidies will be able to assist with those. We will talk about the projected increases. We want to hear from you in two categories. If you receive insurance under the aca, give us your thoughts on 202 7488000. Everyone else, 202 7488001. If you want to post on our website, our webpages you could do our twitter page or post on our facebook page. Several of these stories appearing in the paper and in the pages of politico, it says obama premiums are set to jump 25 for a certain sector of those who receive their health care plan. It goes on to say that premiums for a crucial category of obama care plans on healthcare. Gov will rise by 25 on average next year. That is more than three times larger than this years price increases. That is from the Obama Administration on monday. By comparison, average prices for the second cheapest soma level plan, use as a benchmark to determine premium subsidy levels, had increased by just 7. 5 on average in the 2016 and 2 in 2015. Here to let us know a little bit more on how these increases are happening and how they came the executive editor for politico. Thank you for joining us on the phone. Hi, the executive editor for health care. Im happy to answer all your all your own obamacare questions. Insurancembination of underpricing initially and now raising prices. Policy decisions that have ended up showing up this and decisions for insurers to leave the exchanges as well as price fixes and republicans have been blocking this all along, including payments that insurers expected. And without the payments, which was supposed to cushion them with the first three years, it was Something Like 2. 5 billion that they didnt get, and that is showing up for the premium increases. And drug prices have gone up. Some of thes that increases would rise as high as 25 , is that just for the silver plan . Plan it is the silver benchmark. To avoid making everyone go dive under their bed again, this is what everything is based on. There are different tiers in the marketplace you can choose. Are pegged, the subsidies that many people get, people are not paying the sticker price. The subsidies are linked to the silver plan, a comprehensive plan. You will find that some are going up more but some are going up less. Host as far as the things that i have read this morning, some of the increases very from state to state, as well . Guest yes. State to state and within state. I think we may have andt tennessee is up california is having problems. Higher than it had been the first two years. The california has been a pretty successful state. There are a few that have been in the tooth percent3 . 2 3 . So there are outliers. Feasible number. Host the story that you have on the website of politico this morning has a line that says federal Health Officials confirmed that roughly one in five people in the states that use healthcare. Gov must chop for only one insurer following decisions by several major insurers to pull back. Guest yes. It made headlines this spring went said they were getting out of most exchanges. And two or three other big insurers humana cut back. So there is less competition. There are some new entrance and some new insurers who expanded the footprint this year. For good . Hey out will they come back in a year . We dont know yet. Coops, that the started with taxpayer money, most of them have failed. So i think it is around 20 that are no longer in the market. Were supposed to add a nonprofit competition but they did not work in most states. I know it is hard to predict but went from an rease in 2 to 7 to 25 do we see these increase in the future years as well . Guest i think advocates of the plan would tell you this is a catch up. Thats insurers were priced too low in the initial year, partly because they didnt understand. They wanted to get the customers and then keep them. And they also didnt understand no one could have known work who was going to sign up. Know, younger people have not signed up. So there is an older, sicker population getting coverage. It is too soon to know. Advocates say this is a catch appear and they would like the new congress and president to try to address some of these problems and a smooth things out. And you are beginning to see some states looking at what they can do at the state level. Alaska has taken some steps to shore up the exchange. A very red state but they have decided to do something. Minnesota is talking about what he can do. I think it really is too soon to in awhat it will look like year, but certainly you cant say it never will happen again. Critics say it will get worse and worse but advocates will to you that it is a rough year and we will fix things by next year. When do the rates become effective . Guest he start signing up next week. November 1 is open enrollment is important to know that the maturity of the people in the exchange do get subsidized. For people who are eligible coverage who arent signing up, they either dont have a subsidy or they dont have enough of a subsidy. There are also people of their who are still confused by the Affordable Care act. And you read the headlines about the enormous price increases when they might actually be eligible for a subsidy but they dont check because they are scared by the sticker price. The affordability question is not made up most people who are currently covered will get subsidized. They will not be paying these prices. There are people out there who are facing an expense, an increase in expense. Those of us who get covered on the job, there are changes in the Health Care System and how employers structure our insurance. Not everything can be blamed on obamacare. As my insurance goes up at work, there are other factors in the Health Care System at stake. Pricier, is getting for many people. Host for number of reasons. From politico early this morning to explain and walk through the announcement yesterday, we appreciate your announcement this morning. With that in mind, if you wanted to talk about the increase and the potential subsidies and other aspects of these announced changes that were made by the Obama Administration yesterday, here are the phone numbers. If you receive your insurance. Hrough the aca, 202 7488000 all others, 202 7488001. Post on twitter as well. We start this morning with deborah in ohio on the line for others. Go ahead. Caller good morning. Thank you. One of my Biggest Challenges with the Affordable Care act was not looking at the cost of health care and not asking that question first. So i did research and looked at the cost of trauma, disease and wellness. And what i found is that we would spend 500 billion a year on basically five choices. The longnce, Association States that we spend 151 billion a year on smokingrelated disease. And many of us have family members who would have emphysema or something and can understand how costly that terrible ole miss is. For people who drive under the influence of alcohol or drugs, we spend 35 billion a year on treating trauma. So that totals up to 500 billion a year. Over 88,000 rapes in the United States. In drugs for the prevention hiv in a case like that, 50 , 2000. 45,000 women who are taking drugs while they are pregnant. When you look at gunshot wounds and trauma and surgery and devisewith that, a total of 500 billion dollars into how much it costs each of us. We are looking at 125 a month per person. Host john is next from missouri on the line for others. Caller good morning. I should have called in on the others line. I just dialed my normal number. All i have to say is here we go again. We are talking about insurance prices. But we should be talking about is the cost that the hospitals charge the Insurance Companies. I just spent two days in the hospital. From walking pneumonia. I got a bill the other day from my emergency room and on the room,t says emergency one hour. Wasmy 20 after medicare 1400. Which means it cost me close to 6,000 or, cost medicare and me, 6,000 for one hour at the emergency room. Ofhave to look at the cost the hospitals, doctors, pharmacies. These are the people who drive the cost up. Instead of keeping looking at the Insurance Companies, that is what we have to look at. Why are these people going from a community hospital, which we used to have here, to a medical group. Ost gotcha again, two lines. If you are under the aca, 202 7488000. Everyone else, 202 7488001. Mclean, virginia who receives insurance under the aca, how are you . Caller thank you for having this conversation. My concern is that most people think the Affordable Care act is free. I have to pay for my doctors. And there is a premium on there goes undere bill 1000, it comes out of my pocket. 1000, im covered. But most people think it is free. It is not free. What your last caller said makes a lot of sense. If i broke my ankle cutting the grass and i had to pay for every ankle visit a broken here in mclean would cost Something Different than west virginia. Somethingost different in florida. And hes right. The biggest problem that we have is the gouging within the hospitals. Whether it is gouging the government or the patient. There should be a set price for everything. Host what plan do you currently get . What level . Caller i was lucky. I got in on the program where package, a premium because i got a subsidy. They gave me a subsidy for it to outweigh the cost. So i got a high profile package, the best one they have. At an affordable rate. But the same time, the coverage does not kick in you are im payingor for peace of mind. If i get hit by a car, i have coverage. Host how long have you had the plan and have you seen the rates go up . Is my first year. I had to get on it because i work for myself. And it was a great idea and i did need it. That i kept putting it off. And i had to get on it because the penalties were killing me by not having it. So i was forced to get on it. And i like it. Unfortunately, it serves me no purpose. Colorado, is next in gets insurance through the aca. Go ahead. Caller thank you for bringing up this conversation. This is my second year going on obamacare, i have the silver plan. And my rates are going down. Down one dollar but the coverage is the same with the same insurers. And when i saw the headline, what struck me is that it seems like the rate increase showing the number of 25 im assuming because they are government held . They went through state exchanges . So it seems that they are for the republican states that didnt accept the exchanges. Here in colorado, we have an exchange and mina staying the same. And with any luck, this november will pass colorado cares which would give Free Health Care to anyone in colorado was no deductibles and no copays. Host how will that get funded . [laughter] caller big taxes. But for as much as they want to raise the taxes, my copay and my deductible at the doctor would cover it. It is in big of an increase. So i challenge everyone to figure out to see how much are premiums are and add in the deductibles and copays and tell me that is not a higher percentage than the 6 or 7 tax they want to charge us. Plan, what isur your premium and deductible . Caller my premium is 65 a month. My deductible is 2000 and they , my up excuse me deductible is 500. I had a physical and i had to pay 150. And i needed Something Else that was one edge of 50. Dug talking about his experience. We are asking you for yours in the light of the announcements. You get your0 if insurance through the aca and others, 202 7488001. Ron in arizona on the others line. Morning. Caller i have a couple of comments. There are 238 Million People in but only astates handful of people on insurance. My premium has doubled to 138 a month. Downow it is only going eight dollars. So it is going down but it had doubled. And this is insurance that you get through work . No, private insurance. Lives in North Carolina. How are you . Caller good morning. Obamacare and i pay 64. 33 a month and the subsidy from the tax is about 940. I have a 500 acrosstheboard deductible. Two years ago i got very sick and it did me good. But i do want to get on medicare because i will be an old college dger in a month. So i will get on medicare. But if you have a premium rate from 65 100, and your premium 3000four thousand dollars and you are working and you didnt get a raise in 10 years, it is still unaffordable. If you end up looking at it,1000 a month for insurance young kids say they will get a fine of 300. 1200 300 is 900 savings. So i get it. Trump, you cannot drop it at a dime. You cant do it because you would put people in a bind. It isnt going to work. Host are you surprised by the rate announcements in the last week . Caller not really. I used to have mail business. If you earn 10 that he spent eight dollars to earn 10, you have to do that. Carolina, they when their contract was up. So everybody is entitled to insurance. Everyone is entitled to live well. And notbout having to worry about their children getting sick. The country is rich enough, Strong Enough and they can do it if everyone gets their head out of dark places. Rates are going up on some Affordable Care act insurance plans. We are getting your thoughts on that. If you get insurance through the aca, 202 7488000. All others, 202 7488001. We will look at some campaign related stories. The New York Times, a story taking a look at a rally from Hillary Clinton. Featuring senator Elizabeth Warren. Wanteadline is liberals more and to push clinton to left. Polls and early voting signaling that Hillary Clinton is likely to prevail against trump in two weeks, democrats are looking past election day and rely on Elizabeth Warren to become the thorn in chief in mrs. Clintons side, scrutinizing her agenda. Our websitethat on at cspan. Org. Heres a little bit of senator Elizabeth Warren yesterday. Donald trump disrespects aggressively more than half the human beings in this country. He thinks that because he has money, he can call women sat bimbos. And a thinks that because he is celebrity, he can rate womens bodies. He can force himself on any women within groping distance. Well, i have news for you donald trump. Women have had it with guys like you. [applause] and nasty women have really had it with you. [laughter] get this, donald. Nasty women are tough. Are smart. And nasty women vote. [laughter] [applause] 8, we nastyvember women are going to march our st ourfeet to ca nasty vote to get you out of our lives for ever. [applause] that was Elizabeth Warren yesterday. Here is the usa today story. Vaying that health care. Go handles individual insurance sales for those who live in the 38 states that dont have their own exchanges. The Second Lowest cost silver plan on the exchanges is the benchmark plan on which regulators based tax credits. From missouri. Caller i want to explain to everybody. ,hen Obama Health Care came in none of the governors wanted it. None of the senators cared. But now, they have to pay. Make one point Million Dollars, you have to pay the full price. They care about themselves. That is all i have to say. You know in 2010 when they started this, you were against it. Have a good day. You leave, will you see your rates increase under this announcement . Gone. Lets hear from dan. The line for others. Taking myank you for call. I am not signed up for obamacare. Think it is unconstitutional. I am a fireman here in new york. I have heard some sayings about if you go on obamacare and you cant afford to pay it, and the end, they will take land away from you. Eventually. Because right now there is no way i can afford obamacare. I am an exterior farmer. Dairy market took it is in horrible shape. They have been getting rid of. Armers wherever they can i dont know too much about obamacare. Unlike like i said before, i want to fight it. Next in fallsup church, virginia who gets his insurance under the aca. Caller i have been selfemployed with a family of four. We have had our own Health Insurance the last 15 years. The deductibles have sadly gone up. A bronze plan currently. Last to the premium was 1200 proposing an, 1800 a month monthly premium. Im not sure why the huge increase. My son broke his arm last year and we exhausted the deductible but i dont know otherwise why the drastic increase. But im very happy the Affordable Care act past. Wasnt Health Insurance reform. Companies, they are pay agents in my mind and it should be health care reform. To in my mind, it has to go a singlepayer and if you want to supplement that with a paid plan on top of it, that is the way to go. Host so you said your current premium is 1200, what is your deductible . We have catastrophic care only. So the deductible is 5,000 per person. The new rate, the 1800, that is the rate for 2017 . Caller correct. That is what they are proposing but that is care first. I will look into alternatives. Host we hear next from fred joining us from massachusetts on the line for others. Caller this guy before me stole my thunder. After hearing the guy from a 65 plan that went down the dollar to 64. And people complaining that they went from 138. Im in the same boat as the other guy. Year and 1875st this year. I think that is spot on, a 25 increase. 20,0002000 that is a year on Health Insurance. Im selfemployed. I thought we were the only ones virginia, we are in the same boat as you guys. Got 6,000 per person and get this. In order for my 22,000 a year spendo act and, i had to 20 4000 of my own money 6,000 per person you have to spend 24,000 to get it to kick in . So it is a catastrophic plan, which is what we had before the aca but it was only 60