unitedhealthcare of new york, inc. individual 2018 public ...€¦ · unitedhealthcare of new york,...

UnitedHealthcare of New York, Inc.Individual2018 Public Comments

38.4% increase would bring my monthly premium to over 3,000 a month, it's just not even close being affordable or even makes sense to pay, in that it covers nothing, no doctors are in network, and the deductible is so high. But the kicker is there is no other way to buy any kind of individual health insurance, except through the exchange. I feel like I have no options and my family is vulnerable to not being covered even though we pay for insurance. I have tried to make claims, and just about every service is denied. Something needs to be done about this situation.

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Dear Honorable Governor Cuomo & NYS Health Bureau -

Kindly see attached letter voicing my request to NOT approve the requested premium rate increase from United Helthcare. If you require any additional information please don't hesitate to reach out.

Thank you for your consideration.

All The Best,


HIOS 54235NY001000101 To Whom IT May Concern, My wife and I lost our jobs in for a short time after, we were on her Cobra. When that ended we shopped for insurance on the exchange. As she is a we went for the insurance that would allow her to keep her physicians regardless of cost and although we had reduced income went for the Platinum Plan by UHC. On 8/1/2016 the cost of that plan was 1547.34 for the both of us or 18,568.08 a year but within 6 months it was raised to 1975.56 or approximately 23,000 a year. Now (after six months) they are asking for a 38.3% increase or another $757 or 32,784 a year. The cost of services has not warranted these kinds of increases. My wife and I will not be able to afford the level of care that makes us comfortable.

Regardless, a simple search of the web finds the UHC financials as follows: MINNEAPOLIS (CBS.MW) -- UnitedHealth Group posted a 26 percent advance in second-quarter profit amid efforts to trim costs and get out of weak markets, the second largest U.S. health insurer said Thursday. In the latest quarter, the company said it earned $170 million, or $1.01 cents a share, up from $135 million, or 76 cents, a year earlier. That beat the 98-cent consensus estimate of analysts surveyed by First Call. Revenue rose 6 percent to $5.2 billion from $4.9 billion. See earnings release. Most of the growth has come from United Health Care’s lines of business outside of its health maintenance organization segment. Accounts from those businesses pay higher premiums. At the same time, the company has exited certain markets where it caters to older customers on Medicare, a business that’s not as profitable. Well business is business but health insurance companies should be better at hiding their sociopathic (actually psychopathic, might be better as we are taking about life and death here) tendencies. This request is outrageous and it is obvious that your department has a dilemma between allowing an increase and UHC pulling itself from the exchange as it reduces exposure in less profitable markets. My mother used to have a Medicare supplemental policy that was incredible, and reasonably priced, she never paid for anything, and I was looking forward to having the same when I reached Medicare age. But, most likely it won't even exist for myself or wife even if I wanted to stay a UHC customer at that time. I say let some more patriotic company or one that has a business mission statement that actually wants to serve people into the market place. Do not grant their increase.

My wife and I are on the UnitedHealthcare plan. We currently pay $1,500 per month, each of us with a $2,000/year deductible. UnitedHealth is requesting a 38.4% increase on our current rate, which will increase my monthly premium by $570 per month or nearly $7,000 per year to $29,000 plus the $4,000 deductible. This is outrageous considering the $22,000 - ($18,000 per year plus $4,000 deductible) that we are currently paying. Please reject this predatory pricing increase (from $18,000 to $29,000) that UnitedHealth care is proposing.

My insurance premium went up 28% in 2017 and my out of pocket increased as well. United Healthcare has informed me they are requesting a 38.4% increase for 2018. This is outrageous. Please deny their request.


My insurance premium went up 28% in 2017 and my out of pocket increased as well. United Healthcare has informed me they are requesting a 38.4% increase for 2018. This is outrageous. Please deny their request.



I am writing regarding a proposed premium increase by United Healthcare.

My insurance company is United HC and my group is Gold EPO. My ID number is 54235NY0010000301

I have just received a notification of a requested percentage rate increase for my plan of 38.6%.

I was a full-time student all of 2016 and juts completed a graduate program. I am only first starting to make some money. My current monthly premium is already over $800/month. An increase of 36% is a huge increase compared to current inflation and it would make my monthly payments go above $1000/month. This would be extremely difficult for me to pay as an individual that supports himself without the help of an employer

I appreciate the opportunity of sharing my serious concerns with you with the magnitude of the proposed premium increase. I would be happy to discuss this further

Warm regards




Hello,

I?m writing you to ask you to deny my insurance companies request to increase my premium by 38.7%I am self employed so can not get group insurance. The past few years have seen my rates increase by hundreds of dollars a month while I?ve had to switch companies because blue cross no longer individual policies in NY state.

Paying more with less doctors and pharmacies accepting my plan. I?ve had to pay out of pocket and drive ridiculous distances to have services and prescriptions filled.

My information is as follows;UnitedHealthCareCompass planIndividual coverageHIOS I.D. 54235NY001001301

Many thanks for your consideration,




To whom it may concern:

I am currently insured under the Affordable Care Plan, United Healthcare Compass. As of August, when I turn I will be insured through Medicare but will still be paying for my year old daughter to be insured under the United Healthcare Compass Plan. I am outraged that United Healthcare wants to hike premiums by almost 40%. After the big hike in 2017, a huge hike again in 2018 would hardly be affordable. Please do not allow such a hike or anything even approaching it. Even hiking it 20% would be outrageous!

Yours truly,

DO NOT APPROVE THE LARGE INCREASE. THIS IS UNSUSTAINABLE.

DO NOT APPROVE THE RATE INCREASE BY UNITED HEALTHCARE. The rate increase requested by United Healthcare is so large that people cannot afford to pay for such high premiums.

DO NOT APPROVE THE RATE INCREASE BY UNITED HEALTHCARE. The rate increase requested by United Healthcare is so large that people cannot afford to pay for such high premiums.


I'm self-employed and an individual plan is my only option. As a single woman trying to support myself, an almost 40% increase in my premium is onerous and outrageous. And this is on top of having almost no choice. I don't understand why individuals are being so terribly penalized when companies can so much better afford it. And increasing my year old son's rate by 20% will make it almost impossible for him to support himself. This is an anguished plea to try to hold the rates steady (already fabulously expensive!) for us individuals who have so few options and can barely afford the existing rates. All I know is my coverage gets worse and worse for more and more $. Thank you.

I strongly urge the Department to minimize the 2018 rate increase and associated maximum deductible for United Healthcare policies. I do not believe that the substantial increase requested is due to increases in costs and risk management but, rather, driven by pursuit of profit. I truly hope that the Department looks at health provider financial statements as a point of reference, since UHC's 2016 revenue was up 18% over 2015, and adjusted net earnings up 25%. Many thanks for your consideration of this input.

To whom it may concern: I received a letter from UnitedHealthcare of New York stating that they have submitted a requested to DFS to raise my premiums by 38.4% next year. This is an OUTRAGEOUS request considering I am a healthy young man already paying more than $700 a month with a $2000 deductible. And it's all the more offensive considering the current state of the market in NY. I am writing today to urge you to disapprove this request as I would almost immediately seek new, less expensive coverage. At a time when healthy people like me are needed to stay in the market to help lower costs, UnitedHealthcare is prioritizing profits over people. I am disgusted by their actions and hope this letter can be submitted as evidence to prevent it from happening. If the request is indeed approved, I would like to hear from DFS to better understand the justification. Thank you,

I cannot afford another increase.....!!!!!

I'm extremely disappointed to see my monthly rates once again scheduled for an increase. This year it's scheduled to increase by 10%, after last year already saw an increase as well. I am a healthy adult, and my monthly healthcare insurance payment is currently my single greatest monthly expense. It's a higher monthly rate than my rent (!), food, transportation, or any other monthly expense. This is unmanageable, and I don't at all feel that I'm getting back from my insurance anything close to what I'm putting in. Obviously health insurance is a necessity, and I don't feel that going uncovered is an option, but coverage at this expense is a problem, and not sustainable.


UHC's requested rate increase of 38.6% is outrageously high and should be denied by NYS DFS as it will be a financial hardship for working families in NYS such as ours, especially given the instability of healthcare in general caused by the Federal government and the potential for loss of premium subsidies. The current hardship of extremely high deductibles and co-insurance for the UHC Gold Compass plan should be considered in this equation. Until the future of the ACA is clear there should be a rate freeze in NYS. Families like ours are counting on Albany to embrace and implement the single payer system currently under consideration.




My income has not gone up 38.6 percent yet United Health care wants to increase it?s monthly health insurance premiums by this amount. How is this conscionable? I started with this insurance at $655.59 in 2016. Last year the increase was 28.85%, again my income did not increase by this amount and my new rate this year for coverage is $844. The proposed rate increase will require I pay an additional $325 bringing my monthly premium to $1,169. I need to come up with an extra $3,900 post tax dollars. I will be spending just over $14,000 on health insurance that has a $7,000 deductible. This is not realistic it is robbery with a gun to my head as I am required to have coverage and as a + year old individual and sole provider for two teenage children need coverage and to stay healthy.

I am firmly against any rate increase. Neither my coverage nor my medical attention increases in quality. All that changes is the health insurance company getting richer. How can a raise of 38.6% be justified and allowed. Salaries are expected to rise by 3% in 2017 how is a 38.6%increase in health insurance even a consideration. This proposed increase is an undue burden and will compromise my health and my families.

Do not approve this rate increase!

Sincerely,

United HealthCareGold EPOIndividualHIOS # 54235NY001000301

6

Date Received: 06/05/2017

To: NYS Department of Financial Services Health Bureau ? Premium Rate Adjustments One Commerce Plaza Albany, NY 12257 [email protected]

Dt: June 5, 2017 Re: United Healthcare Proposed Premium Rate Change ? DO NOT APPROVE! Dear NYS Department of Financial Services ? As someone with

, small business owner of a company that supports my enrollment in the marketplace

for insurance is critical as I have I am grateful that the

marketplace was established under the ACA, primarily to provide me with access to purchase insurance coverage. My current plan was already raised to $987.78/month (first year was appx $700/month) and the new letter I just received from United Health Care states that their requested change to my groups premium is 38.3%!!! Which would make my premium north of $1000/month, and an increase of appx $350/month, to an already very expensive monthly cost. Of course I am more than happy to pay my fair share for the insurance coverage I absolutely need, am have been satisfied with United Healthcare in general, but these rates are getting completely out of hand and I ask you NOT TO APPROVE this rate increase for United Healthcare. Additional information: Name of Insurer: United Healthcare Name of plan: UHC Compass Platinum ST INN

7

Individual or Group Coverage: Individual HIOS Identification #: 54235NY001000101 I would also respectfully ask that my name and personal information related to my health be kept private as I value my personal privacy, but did feel very strongly about writing this letter to you in the hopes of preventing the rate increase. Thank you in advance.

ps with all going on, please use your position to ensure that hard working, patriotic American entrepreneurs and small biz owners will continue to have ACCESS to affordable, good healthcare in the future




Name of the insurer: United HealthcareName of my plan Silver Compass Individual planHIOS number 54235NY001000501

Dear Health bureau

please mail at your convenience the narrative summary and detailed explanation why a premium rate change is being requestedthank you in advance for your cooperationregards




With reference to:

United Health Care COMPASS PlanIndividual Plan

HIOS #: 54235NY001001301

I have recieved notification that UHC is asking for an increase of 38.7% !

I am stunned, outraged and disheartened.

I am already paying a very high premium of $1100 a month for me and my wife.It is already an undue burden on us.And for a plan where we have a very limited choice of doctors and hospitals and a very high deductible.

It is outrageous that within a year of taking this plan we may be asked to pay an additional 38%!!!We fundamentally will not be able to afford this.

I request UHC?s Proposed Premium Rate change be denied for my sake and for all the people like me who are being unfarily squeezed and asked to pay more and more and more for less an less coverage.

Thank you for your serious consideration




I have individual coverage from UnitedHealthcare of New York, Inc. My plan is Platinum EPO. It is the only insurance that all of my doctors accept. I am already paying close to $1,000 a month. Any increase to my premium will make healthcare for me unaffordable. I don't qualify for financial assistance but a 38.3% rate increase is way too high. Why can't you find a way to lower premiums for everyone?




Subject: Unbelievable premium rate increase!!

Dear DFS,

This is just UNBELIEVABLE how my premium can go up 38.6% in one year! I can not even afford the 38% increase I have to pay THIS year!! I am not even working, I don't really have any income, how can I ever afford this, how can ANYBODY ever afford this?! This is truly going to cut in to any dispensable income I ever had. It's going to hurt our growth in this country with premiums going up this much, it is not only going to hurt me, but the rest of the country. And politicians are worried about growth in this country, how can we have any? Aren't the politicians supposed to listen to us, the people, it's not about the politicians, it supposed to be about the people!! How does the premium go up this much in one year, when United Healthcare stock is up about 30%!!!?? Their margins, revenue, profits etc. etc. are "skyrocketing" ~ and why, because they are charging their customers astronomically high premiums. This is all going into their pockets, and hurting the "hell" out of us customers. How does this happen in the USA????!! They are getting away with this and nobody is stopping them. What the hell do we do???? It does not make any sense for me to get healthcare, I will HAVE to pay out of pocket and hope the hell that I don't die because of it. And don't you even care about us, thatyou're letting this happen, letting United healthcare ( insurers ) get away with it? Why don't people have any feeling in their hearts anymore, it is so sad. So when I die of a disease that I can't afford, because I can't afford healthcare anymore I hope you will finally do something. Name of insurer ~ United Healthcare Name of plan ~ Compass Gold Individual coverage My HIOS # ~ 54235NY001000301 Sadly,




To Whom It May Concern:

1. Unitedhealthcare of NY, Inc.2. Compass Gold plan3. Individual coverage4. HIOS # 54235NY001000301

I strongly object to UHC?s request for an increase of the Compass Gold premium. It is inconceivable to me that UHC and its staff did not do projections and forecasts on the premium due to major increased medical costs. Also, a prudent party would have established reserves in order to cover any unanticipated costs for 2017 and 2018.

From my vantage point to suddenly and dramatically change the rules of the contract between the patients/consumers smacks of bait and switch.

I am a retiree living on a fixed income and budget. My monthly premium, which is already exorbitant, is $844. My deductible is $4,000. I can?t afford to pay more money.

In the event UHC is granted an increase:1. UHC should be obligated to find, all those affected by the premium increase, an equal or comparable plan to Compass Gold 2017.2. If any increase is approved, the new rate should be frozen and irrevocable for two (2) years.

Thank you for your consideration of my objections and suggestions.


I am writing to complain about the rate increase for the UnitedHealthcare of New York Premiums. My family thinks that a 38.4% increase is excessive and unreasonable. We request it at least 50% lower. Thank you.

Hello, I've received a letter from United Healthcare my health insurance provider that they are requesting to increase by premium by 38.5%. My premium is currently $565.57 with this increase my new monthly premium will be approximately $783.32. I live on a salary of $40,000. and this increase is not possible for me to afford. I'm already on the lowest tier of health insurance on United Healthcare and there is not another tier I can drop down to. Which I've already had to do. I'm the healthy person (don't smoke, never get sick, not having children, who runs full marathons) paying for health insurance that I don't use that United Healthcare needs on their rolls. With this increase they'll lose me as a customer. Please see that this request for a rate increase is denied! If you have any questions, or would like to know more, please feel free to contact me. Kind regards,

Dear Sir/Madam: I am writing to formally object to my health insurance carrier UnitedHealthcare of New York, Inc.'s (UHCNY) request to increase my monthly premium by 38.6%. UHCNY increased my rate last year by about 40% to an amount that is already reasonable for a single, healthy individual. Their current reasoning that an additional 38.6% is necessary due to increases in the cost of medical services and increases in the amount of services used is unreasonable and untenable. I am hereby requesting a review and rejection of the proposed rate increase. Sincerely, Insurer: UnitedHealthcare of New York, Inc.'s (UHCNY) Plan: UHC Compass Gold Dep 25 Group: 755481

HIOS Identification Number: 54235NY001000301

I am already paying close to 1K for individual insurance. Because of my age and health issues I need good coverage that I can afford without affecting being able to pay rent and eat. 38% increase is beyond my ability to pay sinceI'm now close to the edge.


I am writing with regard to a request for a Premium Rate Increase from the provider of my health insurance, UnitedHealthcare of New York, Inc. (UHCNY). The requested increase is 38.7%. This requested premium increase is an outrage and immoral. My plan: Bronze EPO, UnitedHealthCare Compass HIOS ID# 54235NY001001301 I purchased my insurance through the NYS Health Care Exchange as an individual but the insurer placed me in a group. The requested premium increase of 38.7% is an outrage and immoral. I am years old, self-employed and purchase my health insurance directly from insurers. I have NO pre-existing conditions, do not take any medications, and have never even met the insurance deductibles because I have no health conditions requiring treatment. For 2017, my insurance costs are as follows: the premium is nearly $560 a month, with a $4000 annual deductible. That means that I must spend $6,720 + $4,000 = nearly $11,000 out of pocket before my insurance covers anything beyond one annual preventative care visit. My annual household income was slightly above the limit to receive a federal subsidy that would help me pay for my insurance. The proposed premium increase of 38.7% will bring my annual premium to $9,320 –- for one person with NO pre-existing conditions. (There was no mention of the increases in the deductibles). This is absolutely unaffordable. DO NOT GRANT THE REQUEST OF UHCNY this rate increase!!!! Consider the lives of ordinary people who do not have health insurance coverage through an employer.

I have the UHC Compass Bronze plan. This is the only marketplace-plan that my takes and it is the only marketplace-plan that my pcp takes and the only marketplace-plan that takes. We currently pay approximately $1600 a month in premiums. If the proposed premium increase is granted we would be paying approximately $2200 a month. This proposed price increase is outrageous and would be a burden on my family. The proposed increase appears to be proportionally well-above market and, I suspect, will result in a premium that is also unjustifiably above market based on the benefits and coverage that the plan actually provides. Comparisons to the market aside, the plain-English explanation that United Health Care posted for the rate increase does not provide sufficient information or justification for the proposed increase to premiums. If anything, the increase appears like an attempt to price participants out of the plan entirely. Accordingly, because the proposed increase of 38% is (i) a financial burden on plan participants, (ii) well-above market, and (iii) unjustified by the provider, United Health Care's proposal should be denied.

I retired at in 2016, premium was $555., great. Now in 2017 it's 714., still okay [affordable]. The proposed 38.4% increase for 2018 will make my premium 988. My intention is to drop the plan if that high an increase is approved and pick a less expensive planfor next year. Thank you for accepting comments from the public/consumers.


my premiums are currently $715/mo. the proposed increases would raise my base monthly cost to $985. and this is just for individual coverage. This is an outrage for a . premiums need to come down, not go up. America is a rich smart country: nose jobs or breast implants should be considered a luxury good- quality health care such as blood pressure, diabetes screening, birth control is a human right.

United Health Care requested and received an approximate 30% increase last year for 2017, they again are requesting almost the same amount for next year. THAT IS A 60% INCREASE in two years. For the DFS to consider this outrageous request is comparable to the DFS aiding and abetting Grand Larceny. It took me 20 years of employment and 10 years of night school to get an increase of 60% in my salary and United Health Care has the audacity to do it in 2years. Should this increase be granted I will do my utmost best to get a list of ALL ungrateful politicians and DFS managers and executives, who have their job because of us the people, that approve the increase be dismissed from their position and voted out of office. I am sure ALL of you that didn't get your 60% increase in salary in two years would love to have it also. My name and contact info is above as requested the other info you wanted is as follows: My insurer - United Healthcare My Plan name - United Healthcare Compass Group number - 755481 HIOS ID Number - 54235NY001003001

UHCNY Compass Platinum Dep 25 HMO - Individual Plan through NYSOH, HIOS ID # 54235NY0010000101 The requested rate increase is unusually high. I am a yr old female professional, self-employed, with post-grad education with my own , and I am not eligible for ACA subsidies. When I am not working on client engagements, I do not get paid. Having a good plan, particularly with no deductible is very important to me so I purchase the Platinum plan. This is my first year on an Exchange Plan, and although my premiums are high, I am very happy with my coverage and UHC's customer support, and I was fortunate to retain most of my original doctors. (I lost some last year under Oxford's Metro HMO.) We need better solutions for individuals, especially single-employee companies who are not eligible to purchase small group insurance. I believe ACA/Obamacare should be retained with amendments to address premiums and the health care system needs to attract more carriers with broader networks. [Trumpcare stinks. Forget the tax breaks for the wealthy and focus on providing core essential benefits to more Americans and keep the mandatory insurance option.] People in the age bracket (pre-Medicare) really need help and double-digit hikes are disappointing.


I OBJECT! I implore you DO NOT APPROVE a 38.3% increase in premiums for United Health Care health insurance . A 38.8% increase is outrageous and unwarranted given the profit that UHC is making on us! A rate increase is an unconscionable burden on NYers to support CEO excessive salaries and hefty corporate profits. UHC is not hurting one bit financially and UHC has cut doctors and pharmacies participating in their plan. They have decreased benefits, eliminating certain drugs they will pay for in their pharmacy plans. Here are the profits made by UHC: UnitedHealth CEO's compensation swells in 2016 to $17.8 million The CEO of United Health Care Stephen Hemsley's actual realized 2016 compensation, taking into consideration stock vested and options exercised, totaled $33.4 million, up 66.1% over 2015. UnitedHealth's 2016 revenue totaled $184.8 billion, up 17.6% year over year. Net income was $7.3 billion, up 23.3% over 2015.

The GREED is revulsive and detestable. I am an individual policy holder and I do not qualify for any financial assistance. My rate would go from $987.78 per month to $1366.10! The increased rate would cost me $16,393.20 per year!!! The middle class is being squeezed beyond belief! I faith in NYS regulators is quite shaken. It is frightening to think you will approve this rate hike. How much greedier will the insurance companies get?

ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. United Healthcare UHC Compass Silver Individual (family) coverage HIOS: 54235NY001000501 To whom it may concern, I am writing today to express my concern in the proposed premium hike of 38.4% in 2018. As a that earns a living as a and thereby have variable income from month to month, the proposed increase is more than I can financially handle. In addition to the basics of food, shelter and clothing the financial burden of paying over $1,200 a month for my policy is a lot to ask of someone in my position. A generous raise in a full time job would be 3-5% - and that wouldn't even cover a fraction of this proposed hike. I'd like to request that the increase be substantially reduced, or in an ideal world, the rates would be kept as is. I'd be happy to discuss this matter further, my contact details are below. Sincerely,

ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. I object to the proposed rate increase of my health insurance company! Here is my info: 1. United Healthcare 2. Compass 3.Individual ( I am self employed so this is the only type I qualify for) 4. HIOS # 54235NY001000101 PLEASE>>>>> I BEG OF YOU>>>> FIND A SOLUTION TO THIS CATASTROPHIC PROBLEM! The invention of "insurance" is a beautiful concept based in the principles of taking care of those who are less fortunate. It isone of the greatest inventions that mankind has ever come up with. We all pool our resources together to take care of one another. The fact that greed has corrupted this concept is so devastating to our society as a whole. We are NOT all created equal in this country or in any other country for that matter. Some people inherit wealth and good genes others are born with less wealth and/or inherited genetic defects which causes their health to suffer. We are a generous nation in many ways. When an earthquake hits another country, Americans are the first there to help and to send aide. Why can't we think of our own health insurance in this same generous way. We all contribute to help those less fortunate ones who get hit with a "medical earthquake" of sorts. If we change the mindset, the system will adjust itself accordingly. PLEASE FIX THIS! Most sincerely,


ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. Dear NYS Dept of Financial Services I am shocked about a potential increase in my already very high premium with United Healthcare Compass It already was increased from $450-$750 after Obama was elected New deductible of $2000 Now it says IM at risk for 38 percent increase! I am a who is solely responsible for a daughter and her insurance which is already lousy because I'm using the children's health portion for $209 which gives her hardly any service Therefore I am paying much of her medical needs out of pocket for her United Health Care Compass Individual My HIOS #54235NY001000501 This cannot be true!

Unknown Insurer2018 Public Comments



Hello,

I'm infuriated I received a letter on Saturday, regarding an increase in my premium for 2018. THIS IS RIDICIOULOUS how much money does one person have to pay for health insurance. This is unacceptable I?m a single person and my rates were just raised this year $36.00 a paycheck.

THAT'S $36.00 every two weeks and now your raising them again. You received an increase this year of $936.00 a year.

What is going on??????????????????????????

I think this is unfair that ANYONE WHO HAS INSURANCE MUST PAY DEARLY FOR ALL THE LOSERS THAT HAVE NO INSURANCE!!!!!!!

I want someone to call me and explain the increase asap. I will be writing the governor on this as well.

Warmest Regards,


ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails.

Good Morning Thank you for the opportunity to chime in regarding the increase in our = insurance. We pay out of our own pockets each month - we do not have an employer = that pays our insurance.=20 We are the family that does not go to the doctor frequently so we pay = each month for services we do not use.=20 An increase in our plan will have a negative impact on our family. = Please do not raise the rates.=20 I feel the focus should be on the medical professionals who are using = the system for gains they are not earning.=20 Thank you

ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. Please do not increase my premium rate. I don't even use any of those features listed in the reasons for the increase. My premium rate is already too high and I get next to nothing with it. If you increase the premium I might have to skip on health insurance and just pay whatever fee because it will most likely be cheaper in the longer run. -

ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. Good Morning Thank you for the opportunity to chime in regarding the increase in our = insurance. We pay out of our own pockets each month - we do not have an employer = that pays our insurance.=20 We are the family that does not go to the doctor frequently so we pay = each month for services we do not use.=20 An increase in our plan will have a negative impact on our family. = Please do not raise the rates.=20 I feel the focus should be on the medical professionals who are using = the system for gains they are not earning.=20 Thank you


ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. I just received a letter in the mail from my family's health insurance company. This is an absolutely unacceptable rate increase. I am already paying over $25,000 for health insurance for 4 very healthy people. I can not accept this rate increase and if it goes through I will be forced to pay the penalty for no insurance and pray to god that no one in my family is hurt or gets sick. This is an extremely sad state of affairs when insurance companies can back us hard working tax paying citizens into a corner, force us to pay exorbitant rates to protect our family and then have the nerve to raise the rates 13.7% per year. There is no other industry that increases cost to their clients like this and I for one am really tired of being abused. The DFS is supposed to stand up for the people and protect our rights and family's well being. Well I can no longer afford health insurance so in 2018 i will not be renewing. I ask you to please keep these insurance premiums under control. The general public that does not work for the state or government are being asked to foot the bill for the other half of the country and it is wrong. I expect a response as this is an extremely important topic and negatively effects my family directly. I appreciate you having this address for people to offer their opinions. Please help.

ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails.

I just received a letter in the mail from my family's health insurance company. This is an absolutely unacceptable rate increase. I am already paying over $25,000 for health insurance for 4 very healthy people. I can not accept this rate increase and if it goes through I will be forced to pay the penalty for no insurance and pray to god that no one in my family is hurt or gets sick. This is an extremely sad state of affairs when insurance companies can back us hard working tax paying citizens into a corner, force us to pay exorbitant rates to protect our family and then have the nerve to raise the rates 13.7% per year. There is no other industry that increases cost to their clients like this and I for one am really tired of being abused. The DFS is supposed to stand up for the people and protect our rights and family's well being. Well I can no longer afford health insurance so in 2018 i will not be renewing. I ask you to please keep these insurance premiums under control. The general public that does not work for the state or government are being asked to foot the bill for the other half of the country and it is wrong. I expect a response as this is an extremely important topic and negatively effects my family directly. I appreciate you having this address for people to offer their opinions. Please help.




I think any rate increase is an outrageous idea.

My family currently pays over 15,000 dollars a year for a family of 4.

My office contributes a portion to our coverage so the yearly total is even more than that. If you add the outrageous $4000.00 deductible that brings coverage for a small family to over 20,000 dollars, but that's not enough???

It would have made more sense for my family to save all that money yearly rather than contributing to this "insurance".

This NYS government office should be requiring the insurance companies to bring their rates down to reasonable prices rather than allowing them to get rich on the backs of New Yorkers, whom you should be representing.

Approving the increase would be a terrible hardship on hardworking middle class families who are being forced to carry the cost of healthcare for the entire state!

Don't allow this unjust increase to be approved!




Hello Could you possibly keep this increase to less then 2% ,0%would be more realistic .Really would that be too much to ask . I personally have a child in college and 1 working a full time job and I pay 335 a week now. Why can't you due your part to make America great again and let the working class actually catch our breath for this year. Hopefully you actually read this. If so thank you Middle class father of 2

ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. Are you kidding me?

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When does the insanity end? When businesses in NY can no longer afford to offer health insurance? When individuals and families in NY can no longer afford to carry health insurance? At some point someone has to have the balls to say no to these insurance companies. NY health insurers seek an average 17% rate increase

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I would like to take a minute of your time to express how disturbing the increase in my health care benefits is.10.73% is just not feasible for people on fixed incomes.

please stop these increases as we can not afford it. What if it was your mother?!

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We are outraged at our current proposed cost increase for our individual health plan, Proposed increases have been very close to actual the last 3 years and there are not a lot of options of going to other plans. Very few are offered. We are a family of 4, Small Business owners, making middle class wages (roughly $ 110,000 annually). Premiums are so high we will be paying more for health insurance than our mortgage come next year. As business owners we cannot raise our prices to keep in line with insurance prices, what are we supposed to do??????? Everyone talks about insuring the uninsured, what about those who WORK very hard for a living and cant afford insurance. Why is this matter never addressed? I would love to hear from you on this matter rather than on keeping "Obamacare Safe" (Newsday 6/7/2017)




To Whom it may concernI?m against a rate increase of almost 12% . This state is going to putHard ship on the small business. I can?t afford to stay in this state. It time for theState to think about it residents and not about politicians and insurance companies profits.Best regards

Small Business Owner

Sent from Mail for Windows 10



Hello, Increasing the premiums on my already overpriced inadequate insurance coverage is over the top. As a contractor, I have paid for my own individual health insurance coverage for the past 10 years and I have seen my premiums increase by over 40% and my coverage drop by 100%. The fact that hard working citizens have to pay increasingly more for less coverage is compete nonsense. Low life system suckers should be the ones getting my poor 4000 a year deductible insurance for free or 20 dollars a month. I'm actually paying for coverage while people who qualify and participate in NY state of health have much better coverage than me. How does this make any sense? It's literally socialism, the only difference being I'm not rich and paying 5000 a year for garbage insurance that I end up paying another 2000 out of pocket for to cover deductibles is flat out ridiculous. Cut off the welfare, health insurance isn't a right, it's a privilege you pay for.... just like driving a car. Stop punishing people who work to subsidize those who choose not to. Perhaps if all of the working Americans like myself decide to say no to subsidizing broke lazy people it will bankrupt and destroy the insurance companies, and force the change we really need. I suggest raising the rate for people who pay nothing to 20, and those who pay 20 to 60 a month... but instead you will charge those who pay to help those who don't. In conclusion, if my rate goes up, I will cancel my coverage and pay out of pocket, which I pretty much already do. Then you can figure out how to make a profit when no one pays in.




Please see enclosed letter from AARP indicating I have coverage elsewhere and no longer require your companies services.

Cancel my coverage effective immediately.

Confirm cancellation immediately to

Sent from my iPhone


ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. I think this is ridiculous, I'm a single male in his who rarely gets sick. I only use my health insurance in emergencies and for prevention. Now you might say, buy a smaller plan, the last time I did that I broke an ankle and my deductible was so high it make it a struggle to get by. My big gripe about the health care is that it focuses on getting people on drugs and not on preventative things, such as massage, acupuncture etc. The more people used prevention the less people would get sick, leading to a lower cost for everyone. FIX THE SYSTEM Thank you

ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. Dear Gentlepeople, Regarding the 17.14% rate increase for 2018... The 2017 increase was very reasonable but why such a large increase for 2018? This is a huge increase for me as I am on a very fixed income at this point in my life, and I will now need consider dropping health insurance all together. If there is room for any consideration, please do so. Best regards, --

-----Original Message----- From: ] Sent: Friday, June 16, 2017 3:55 PM To: Subject: NYS Department of Financial Services Consumer Assistance Unit Inquiry Dear Your inquiry submitted to the NYS Department of Financial Services Consumer Assistance Unit has been received and will be reviewed promptly. The information you entered is as follows: Your Name: Address: Your Company/Organization: Daytime Telephone#: You are a(n): CONSUMER Type of Insurance question/comment: HEALTH Your Questions and/or Comments have been recorded as follows: * * * * * * * * * * * * * * * * * * * * * * * * * Received a notice of proposed premium rate change...very discouraged about another premium increase (2018 - 7.5%) Would like to understand justification for such an increase. Thanks, * * * * * * * * * * * * * * * * * * * * * * * * * Sincerely, New York State Department of Financial Services Consumer Assistance Unit. email at: [email protected]

ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. To whom it may concern. I recently recived a letter letting me know about my health Insurance premium increase. It is kind of redicules, because price is going up, but my salary have not for many years! My premium will be $1130.51, deductible will be what? $16000?20000, it is basically no insurance at all, I am barely paying for mine and my wife health insurance.I don't understand how much do you want me to work to afford this? There is only 7 days a week. Stop this insanity with out of control premiums!!!!! Enough! You are increasing premiums by 16.92%, year after year. Which is way above common rate of inflation, mind you. What kind a racket is this? Also, where is a so-call “service”? I see that you’re using very expensive paper to send this notification to me. Stop the waist! I know that NON of you really care! I am not under any illusion and I know that this email will be ignored, maybe I will receive some kind of "standard bureaucratic answer", it is just a formality. Yes, I am very disappointed about this rate increase. Sincerely (Simple silver)


ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. To Whom It May Concern: I, along with many others, have incurred premium rate increases every year since the "affordable care act" has begun. Your increases are both unsubstantiated and a burden on your subscribers. This has been a bait and switch from the beginning, and good tax paying Americans are being taken advantage of to feed the appetite of insurance companies. The increases are not normal low numbered increases to meet such things as inflation, but they are double digit percentage increases that make it more difficult to afford. So, yes I disagree with this increase and hope others express their views also. Sent from my iPhone

ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. I am really disturbed about the proposed rate increase. These insurances are meant to help the lower class that doesn't have money to afford private insurance. So raising the rates sort of defeats the whole purpose.

ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. Hello, I am writing in response to the letter I received dated 06/01/17 regarding a proposed rate hike for my insurance plan. My original premium is $367.04 and the proposed amount is $415.04. I have a high deductible plan of $6000. As of now, I would have to pay a total of $10,404.48 before having medical services covered without paying out of pocket. The proposed rate would mean that number goes up to $10,980.48 for out of pocket expenses per year. I am a healthy person so my medical expenses on average are less than $1,000 a year. Without insurance, I run the risk of a catastrophic injury putting me into bankruptcy, but at this rate, having insurance is doing that anyway. So if your rates do increase, I will be dropping coverage and taking the risk whilst paying the fine for not choosing insurance. It's not my first choice but enough is enough. Plus, if I'm thinking it, so will the other healthy 20and 30 year olds who and strapped with massive student loans, and can't afford to be squeezed for every penny we make. Please consider if you would like to keep me and those like me insured. Or else, you will be doomed to have ever increasing premiums and more and more of us will have to drop coverage. Regards, --


ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails. I don't know how much good this does because every year nothing changes....insurance companies get their increases and the executives get HUGE bonus's, HUGE salsries.... and the American People get higher rates...i just want to know when enough is enough....what is the number that will be the ceiling $ figure?? If you raised me 50%, would that change anything? I'm pretty sure I haven't had a pay increase in years...and people are working with less income due to these increases, yet you just get to raise our rates..... So tell me, what is the number? 25% increase? 30%? 70%? when will you have had enough? When will NY stop letting votes dictate what is right and wrong? When will someone actually care about all the fraud, enough to save the American people money? And it's fraud on all ends... I can recall speaking with someone on the phone about 5 years ago and the woman was originally from Texas who worked at an Insurance company. She said NY tells the employees NOT to ask questions .Hmmm.... She told me in Texas, you don't get away with the stuff NYS allows. Amazing how an hourly employee with no managerial training put together that the system is broken yet ALL THE BIG PEOPLE IN POWER CHOOSE NOT TO DO ANYTHING ESPECIALLY IN NYS!!!!!!!!!!! Being Democrat or Republican....Rich or Poor......Citizen or Non-Citizen.....these raises are WRONG on so many levels. Give me a break. You do your due diligence and send these "legal" letters out but it means ABSOLUTELY NOTHING. STOP KILLING TREES Just to make yourself feel good. The system is broken and your division that takes care of these letters is a waste of money.

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New York State health insurance companys are asking for a 31% hike in 2018. We are/will be carrying the equivalent of two mortgages ... what are you going to do about it?

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we have a crisis in this state and country with the cost of health insurance. It has been breaking my company and my competitors for many years. The insurance companies are asking you for even higher prices this year again. We cannot withstand this any longer. People being paid $30k per year are getting bills for $20k for just health insurance today that is not as good as the insurance was in the 1980's. We build some of the world's best heart monitors here at but are being strangled by this insane cost. Insurance rates continue to climb way beyond reasonableness and our product prices are dropped beyond survival. if you want low quality Chinese junk equipment used to diagnose your family's diseases, then continue what you are doing. If you want American made top quality, then stop this now. You must not only reject their request for high rates, but you must make their rates go down. The medical profession is being paid less and less and the insurance rates are going higher and higher. the money must go to the medical people, not the insurance companies. Please stop playing politics on this. you are destroying our state and country. Please fix this. we cannot last much longer at the current rates. We needed relief about 5 years ago. now it is literally killing us off wholesale. If your goal is to destroy us, then allow the rates to continue upward. if you want us to survive and actually thrive, then allow the market to set the prices again like in the 1980s. Much better insurance at 1/10th the price.

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