MVP Health Plan, Inc. Individual 2018 Public Comments - DFS Portal

 
MVP Health Plan, Inc. Individual 2018 Public Comments - DFS Portal
MVP Health Plan, Inc.
Individual
2018 Public Comments

 We just received notice that MVP is requesting a rate increase of over 10% for 2018. My premium is now over $660 per
 month, where do they come off asking for such a large increase? Infation is no where near 10%. All they should get is
 based on inflation.

 Healthcare cost over the last several years has sky rocketed to the point where an average person cannot afford to
 purchase health insurance. If I am not mistaken, the cost has at least doubled in the last ten years but yet, salaries have
 not risen anywhere near that exponential increase. There is great need to control the charges made by hospitals and
 medical facilities to their patients. It appears that there is too much greed in the medical industry along with insurance
 companies who are looking out, not the patients' care, but their deep pockets; taking advantage of patients in need of
 healthcare, whether it be preventive screenings or required treatments. Healthcare should be a not-for -profit entity
 where everyone who works in the industry is paid a good salary but not a license to steal. I disagree with the absurd
 requested rate increase of 12.83% for MVP. Every year we are paying more premium and receiving less benefits, paying
 more out of pocket on top of the higher premium due to the 'all new deductibles' ...when will this end? This is leading
 to the point where people can no longer afford health insurance, cannot afford to pay their deductible amounts, afraid
 to go to the doctor because they will be shocked with an astronomical bill afterwards and ultimately find out they have
 a terminal illness that was preventable? Is this what America is all about?

 I was sent a letter of increase of my rate for the upcoming 2018. The increase is 15.8% This is a massive increase!! I'm
 very disappointed that now we have to take measures to look for another plan unless this is disapproved from DFS. The
 name of the plan is Non-Standard Silver 2 and is individual coverage. Please take a look at this and see that it is a
 massive increase for 2018. Thank you.

 It is NOT okay with me for MVP to be requesting a rate hike of 10.62%! It's a larger percentage hike than last year, as I
 am on a fixed income, I don't have an extra 10.62% to give them! I am a                                     have been
 relying on the Platinum level of care, if MVP continues to jack these rates, I may have to forego coverage that could
 very well save my life. I'm pretty sure the state doesn't want to deal with me in their emergency rooms, which will cost
 everyone way more than if coverage its expenses were reasonable consistent. I already pay almost 15 thousand dollars
 a year---I don't need the burden of paying more or losing essential coverage. In the current political climate when
 affordable health care is a political football, it's scandalous that health care companies feel they can dip their hands in
 for more for themselves their stockholders. Please consider denying MVP's craven request! Thank you.
MVP Health Plan, Inc. Individual 2018 Public Comments - DFS Portal
MVP Health Plan, Inc.
Individual
2018 Public Comments

 I've reviewed the rate sheets and the premiums being used are not even close to those being billed. Seems that the
 number being reported to DFS is significantly less than actually billed. My rating line shows a premium that is less than
 1/2 of the actual premium. Where are the Admin vs services cost breakdown, do we know how efficient MVP actually is
 before allowing an increase. Secondly, all of us that are insured know that HealthCare Professionals and Facilities are
 taking advantage of Insurers and Insureds; ordering needless tests and charging ridiculous prices. Furthermore there is
 no clear way to shop for Health Care services! Changes to the laws are needed.

 I am currently paying 1580.00 for family coverage, I don't believe I need to be paying more.i would love to retire ,but my
 biggest concern is paying for health care and if they keep increasing,that will never happen.

 I've just received a letter from MVP about a 15.83% rate increase which will raise my monthly payment from $440 a
 month to around $510 a month, 3 years ago when I first signed up I was paying around $360 and month. I have had the
 same plan for the whole time. How is this suppose to be affordable health insurance? I will not be able to afford the
 increase as I can barely afford what I'm paying now.

 This seems pointless, but I'll register my voice anyway for the numbers. The rationale provided by MVP for this
 increase - rising costs of medicine, aging population, etc., should be considered in the face of their lobbying budget. Part
 of my premiums are going to fund lobbying efforts to thwart improvements to healthcare, including single payer
 models. The state should not support these efforts by blindly allowing these exorbitant premium hikes.

 Last year we went through the same thing. Last year my plan went up $40 per month, this year it will go up $90 per
 month - a 15.8% increase, and that is after I decreased my coverage to offset last year's increase. If they raise the rates
 by this amount, my monthly premium will be $670 with a $3800 deductible, which will mean that most of my other
 medical costs will not be covered and will have to be paid out of pocket. This year I will pay $7,000 for insurance, next
 year it will be $8040, which doesn't include my copays, prescriptions and tests not covered. When did medical
 insurance get to the point where the monthly cost is the same as a mortgage payment or the cost of a $100K
 automobile? We should start looking at the root causes of what drives the costs up, such as medical malpractice, lawsuit
 legislation, drug company pricing, etc.... and work to fix those things, not just keep accepting outrageous prices for
 medical care and prescription medications.

 Every year my rates have increased 10-20%!. I am a small business with a family need coverage for my kids. we already
 took a very high deductible $3000/5000 per and yet my rates are $1700/mth; over $20,400 per year!!! this is ridiculous
 and will drive many small businesses out of business!
MVP Health Plan, Inc.
Individual
2018 Public Comments

 I m writing to comment on the MVP Proposed Premium Rate Change of 14.15% Increase filed with NYS Dept. of
 Financial Services (DFS). I feel an across the board increase of 14.1% is unfair to those who already pay out-of-pocket for
 preventative health care that keeps us healthy and not needing extraneous insurance coverage. There should be an
 option for those who haven't absorbed cost to at least remain the same or get credit for staying healthy. This is making
 insurance not affordable for many. Thank you.

 The proposed rate increase of 17.14% is ridiculous. I am already paying an outrageous monthly amount for very limited
 coverage by this company. Right now they barely cover 20% of my bills, while I pay them almost $400 a month $4,800 a
 year. If the increase goes through even as a healthy person I would have to limit preventative visits to my doctors.

 The current cost of my yearly medical insurance plan for myself and my daughter is $8,960.64 with a $5,100 individual
 deductible – a total of $19,160.64 before my “insurance” helps me out. MVP Health Care is requesting an increase of
 17.12% (after a 7% increase this year in premiums and a 13% increase in deductibles) - an amount equaling $1,534.06 a
 year. Retired and on a fixed income how am I supposed to afford this insurance when my income does not change?
 Our medical services for 2016 were $356.69, spent out of my pocket in addition to the premiums - minimal doctor visits
 because we can’t afford the premium and the deductible. How am I supposed to afford to even go to the doctor and
 pay these premiums AND my deductible AND 40% after the deductible? I can’t – and this is why me and many others
 cannot afford to take care of our health.

 I'm writing to request that you not approve the 14.14% increase to my health insurance premium requested by MVP
 Health Care for 2018. I simply cannot sustain these annual double-digit increases in my health insurance premiums. My
 income barely goes up by 2% annually. I urge you to tell MVP Health Care that this increase is simply too great for the
 average American to bear. 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 have just received notice from my health insurer MVP that they are
 proposing a 17.13 percent increase to the 2018 premiums for my Non-Standard Bronze 2 plan: This is an
 unconscionable increase and will effectively price me out of this plan, which is already the lowest tier available to
 someone my age. Please negotiate this increase down on the behalf of NY State residents. Other than for annual
 checkups, I have not seen my doctor in many years, for I am in superb health. How about offering a low-priced, high-
 deductible, catastrophic plan for people like me? Thank you. Sincerely,                               MVP Health Care
 Non-Standard Bronze 2 Individual coverage 5618NY0150015-01
MVP Health Plan, Inc.
Individual
2018 Public Comments

  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 REMOVE ALL PERSONAL INFORMATION IN RED BEFORE POSTING TO WEBSITE.

  Hello,
 My name is               and I am a resident of               . My husband and I are both
         and we have individual coverage through MVP Health Care. I have the Non-Standard Silver Plan and he has the
 Standard Bronze Plan. My HIOS plan ID number is 56184NY0200008-01. We pay full price for our plans and do not
 receive any government subsidies. Our income is just barely above the limit to receive subsidies.

 We were recently notified by MVP of a potential rate increase of 13.05% next year for my plan, and a similar increase
 for his plan. I am writing to ask that DFS not approve MVP?s application for this increase. It is excessive and will cause
 financial hardship for us and other members on the plan.

 As a young couple with two growing businesses that pay taxes in New York State and will eventually create local jobs,
 we work hard and make sacrifices in our household budget to afford our already-high monthly premiums ($714 per
 month for both plans, $8,568 annually) and pay into these plans on time each month. At the rate that premiums
 continue to rise each year, this is unsustainable and we will be forced to opt-out of the pool, sacrificing our physical
 health for our financial survival.

 Our unsubsidized premiums and relatively good health ensure that MVP can afford to pay for others on the plan who
 are sick and need care while incurring minimal health care expenses ourselves (not to mention their own high profits
 and salaries). When we do have medical expenses, we pay out of pocket toward sky-high deductibles we will likely
 never reach, which is an even bigger burden on top of monthly premiums. With our hefty contributions into the pool
 and virtually no draws out of it, MVP cannot afford to lose paying members like us on these plans. And, if the rate
 increase is approved, that is exactly what will happen.

 This increase is excessive and unjustified. Please do not approve the rate increase application by MVP for 2018. I can be
 reached at the number below with any questions.

 Thank you,
MVP Health Plan, Inc.
Individual
2018 Public Comments

 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.
 Dear Sirs:

 I?m writing to you after receiving a letter from MVP Health Care which notified me that they have requested a premium
 rate change to my premium of 17.08%. Here is my plan information:

 Name of insurer is MVP Health Care.
 Name of plan is Non-Standard Bronze 2.
 We have a couples plan.
 HIOS plan identification number is 56184NY0150015-01.

 I?m already paying over $10,000 a year to cover all family members. Our couples plan has a very high deductible (over
 $5,000 per individual) which means I?m paying all my medical costs out of pocket in addition to the $10,000 premium.
 Now they want a 17% increase? That is outrageous! Don?t allow this. The Affordable Care Act is already not affordable.
 You can?t let them increase premiums more. Stop this nonsense and refuse their request for a premium increase this
 large. Thank you.
MVP Health Plan, Inc.
Individual
2018 Public Comments

 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.
 Dear NYS Dept. of Financial Services,

 1.   My insurer is MVP Health Care
 2.   Our plan is Non-Standard Bronze 2
 3.   We have individual coverage
 4.   Our HIOS plan identification number is 56184NY0150015-00

 I am writing to ask that in your review of the proposed 17.08% premium rate increase, requested by MVP ? that you
 take into consideration that I, like most of my Baby Boomer peers, cannot afford to see an almost 20% increase in
 monthly premiums for healthcare. In addition to healthcare premiums, we then need to add dental, vision and
 prescription costs. We are both (my wife and I) in our      but not yet eligible for Medicare coverage.

 MVP raised their rates last year and this seems excessive. Why they need a double digit increase in premiums, to me
 shows a lack of strategic planning on their part and a lack of basic care and concern for their subscribers. I don?t
 begrudge them the ability to make money and to earn a profit, but an increase of this size is unrealistic and I imagine
 unjustifiable.

 Please consider what impact this proposed increase may have on us who have very limited/few options as it relates to
 healthcare coverage.

 Regards,
MVP Health Plan, Inc.
Individual
2018 Public Comments

 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.
 Hello,

 Insurer name: MVP Health Care
 Plan: Catastrophic
 Individual Coverage
 HIOS Plan ID #- 56184NY0220002-01

 I'm writing to express my distaste with the letter I received in the mail from my healthcare provider, MVP, regarding
 their proposed premium rate change of 19.72%.

 First, it should be required that insurers are clear in these letters that they send to their consumers: this is an INCREASE
 by 19.72%. Use of the word "change" is ambiguous and misleading for the sake of keeping angry phone calls at bay.

 Second, I am paying out of pocket for a catastrophic MVP plan. I have a $6000 deductible and a $272/mo premium. I
 work part time because I am about to start a graduate program, and have a little bit of money saved up, so I am
 avoiding staying off of the assisted plans as long as possible, mostly because this healthcare system is supposed to work
 by people who can afford healthcare assisting in the pool for those who cannot. I am fine with that, and I agree with
 that philosophy, so I am trying not to take assistance until I need it.

 That said, $272/mo increasing to about $326/mo (letter stated my deductible is subject to "change" as well) for a
 healthy, single, part-time employed person is not affordable. The goal should be to make the healthcare affordable by
 working towards reasonable pricing for medical care and procedures, not by inflating the insurance, and purposefully
 pushing people towards needing the assistance because the medical rates and the insurance rates are not in a proper
 ratio to average income.

 Additionally, I understand annual reassessments are necessary, but a 20% increase over the course of 1 year is absurd
 and is indicative of poor planning being pushed onto the consumers.

 Please consider actual cost to healthcare consumers when making these assessments.

 Thank you,
MVP Health Plan, Inc.
Individual
2018 Public Comments
MVP Health Plan, Inc.
Individual
2018 Public Comments

  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.

     On Jun 14, 2017, at 10:50 AM,                                                wrote:

      RE:
     Insurer is MVP
     NonStandard Silver 2
     I have individual coverage
     HIOS plan id # 56184NY0150017-01

     Please make all responses to me via regular US post office an not email.

     I am against any rate change. I signed a contract for the rate I am paying and expect to continue paying it. I do not
     expect to also have to have other changes to my plan such as deductibles, coppays co insurancet out of pocket
     maimum etc. In all my years I never had a rate change increase in mid year - it is just not fair or acceptable.
MVP Health Plan, Inc.
Individual
2018 Public Comments

  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 am against rate increases for MVP-individual- Non-standard Silver 3 plans.

 HIOS 56184NY0200008-00

 The rates are currently high enough & absurd to ask for more. Catastrophic coverage would be better to be allowed &
 adjustments made for testing, x-rays etc.

 Why have to meet the deductible & then pay for each visit plus tests etc. extra.

 Poor planning on Gov.t for this whole fiasco.
MVP Health Plan, Inc.
Individual
2018 Public Comments

  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 consider this email and others during your consideration of whether to grant MVP their proposed rate increases
 for 2018. They propose a 19.73% increase for their
 MVP Secure catastrophic plan. This increase is exorbitant, creates a hardship and comes after a number of years of
 large increases with only one year of reduction. Here is the history of rates for this catastrophic plan:

 2014 rate - $149.56

 2015 - increased to $167.98, a 12.3% increase

 2016 - increased to $222.84, a 32.7% increase

 2017 - decreased to $211.78, a 5% decrease

 2018 proposed - $253.57, a 19.73% increase

 From 2014 to 2018 it represents a 69.5% increase in premiums.

 Please deny this increase as proposed.

 Thank you.
MVP Health Plan, Inc.
Individual
2018 Public Comments

  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.

  RE:
 Insurer is MVP
 NonStandard Silver 2
 I have individual coverage
 HIOS plan id # 56184NY0150017-01

 Please make all responses to me via regular US post office an not email.

 I am against any rate change. I signed a contract for the rate I am paying and expect to continue paying it. I do not
 expect to also have to have other changes to my plan such as deductibles, coppays co insurancet out of pocket
 maimum etc. In all my years I never had a rate change increase in mid year - it is just not fair or acceptable.

 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. DTS - I recently received notification that MVP is raising my premium by
 16.1 % this year, after a rate increase of over 20% last year. Where do the regulators, insurance companies and
 politicians think that middle class, self-employed tax payers are going to get the money to pay these exorbitant
 premiums? Our incomes are not increasing by 20% per year, so in the not too distant future, we will be bankrupt, at
 which point we will probably start to just give up and go on Welfare and Medicaid, except then there will be no-one to
 pay taxes, so then there will be no Welfare or Medicaid. PLEASE STOP THE INSURANCE COMPANIES FROM
 BANKRUPTING US AND DESTROYING AMERICA IN THE PROCESS, NO MORE PREMIUM INCREASES!!
MVP Health Plan, Inc.
Individual
2018 Public Comments

 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.
 Company: MVP Healthcare
 Plan: Standard Bronz
 Individual coverage
 HOS ID 56194NY0140010-01

 I have had insurance through MVP Healthcare for three years, and its cost has gone up substantially each year. I am not
 high-risk, I am healthy, I have had no surgeries or extended illnesses.

 I am grateful to have coverage and am aware that it is under threat as the new administration Washington looks to gut
 health care.

  I believe that the ACA began with the best of intentions, but the insurance companies have engaged in bait and switch.
 It was relatively affordable to start - about $450 a month. I am               and, before the ACA, I had no insurance at
 all. So believe me, I am grateful.

 But the annual, far-beyond-prime-rate-and-inflation increases strike me as the move of companies looking to increase
 profits without increasing benefits.

  Please hold them accountable, require them to indicate why this increase is necessary, and be sure you agree before
 you let them hike my insurance rates to a new high. They will, year by year, gradually price me back out of having
 insurance, if the ACA should last that long.

 Thank you.
MVP Health Plan, Inc.
Individual
2018 Public Comments

 Hello, Please consider not raising the insurance premiums. Myself and many others are so grateful for the current low
 premiums that allow us to have healthcare at rates we can afford, after many years of not being able to afford insurance
 at all. If the rates are raised, it will exclude people like myself from being able to afford even the most basic bronze level
 health care. Please do not raise the premiums. Thank you.

 Hi, the cost of our insurance premium is already taxing for our modest income. My husband has been
                                                left our area and I am unable to get insurance from my employee. It
 seems that an increase of 11.9% is unrealistic since our income has not increased at all this year and I do not know of
 any one who would get a 11.9% salary increase! Does your company provide ALL employees an annual increase of
 11.9%? I am sure we are not the family in this situation. Please, please reconsider this proposal. Thank you for this
 opportunity.

 I received notice that MVP is filing a request with NYSDFS to approve a 10.63% increase to my premium!! These
 increases have been astronomical and need to STOP! I am a hard working individual - not on public assistance and
 paying these monthly high payments is very hard! I think there needs to be some control on doctor's fees, DRUG
 COMPANY fees! They are getting rich and we are suffering! This is a very expensive state in which to try to work live
 and it's the reason many are moving! PLEASE TELL THEM NO MORE INCREASES - AT LEAST NOT 10%

 It is scandalous that anyone would consider that insurance rates be allowed to go up 17% in one year....even in two or
 three years. That is much higher than cost of living increase or any other reasonable measurement. As a
 person, this is an untenable rate of increase. Health insurance premiums comprise 15-20% of my monthly income.
 And that doesn't even include the deductible and out of pocket expenses. How do you expect people to maintain
 health insurance at that rate? I strongly urge you to reject the proposed rate increase.
MVP Health Plan, Inc.
Individual
2018 Public Comments

 As someone else said, this feels futile, but I am going to submit a comment anyway. I am requesting that the DFS board
 reject MVP's current application for a 15.77% increase for non-standard Silver 2 plans. Obviously there are huge and
 divisive discussions about the issues of healthcare going on among consumers, in NYS and in congress and the media.
 There is good reason for that. Most developed countries spend far less than the US does per individual with better
 outcomes (see http://www.cnn.com/2017/06/27/opinions/fixing-americas-health-care-sachs/index.html). My wife and
 I are healthy (                   ) and currently pay individual plan premium rates (~$9000 annual premium plus over
 $3000 deductible) on a non-standard Silver-2 plan that would pay the mortgage on an ~$300,000 house. If MVP is
 granted this increase, we will be paying 20.5% more on our plan than in 2013 or about $876/mo. Annually we visit the
 doctor about          times a year -                                                 . We have visited a             about
        in three years and then had to pay out of pocket with the $3000 deductible. We have no expensive medications.
 We are obviously subsidizing many other sick people. Our premiums are currently more than covering our medical
 costs. Our neighbors have dropped their health insurance because they cannot afford it. Paying the tax penalty is the
 better option for them. The last thing we need is for more people to feel that they have reached their limit and have to
 drop their coverage. I believe this may be an indication of a trend starting here in NYS - premiums go up to cover those
 with high medical costs. More people drop their plans because they are so expensive. There are fewer premiums to
 cover and the cycle begins again. I am starting to wonder if investing the premiums and deductible and self insuring
 might be the cheaper way to go for us. If I simply took the ~$12000/year and invested it year after year, it would easily
 cover a $70,000 hip replacement once every 10 years!! Over the years I think my premiums plus investment earnings
 would have more than paid for all medical needs we had even with             children,                                         .
 In particular, I'd suggest that you reject this increase for the following reasons: 1. the real issue is in controlling prices
 on drugs and hospital services not in raising rates to cover exorbitant costs (e.g. an MRI in Japan costs $100 - here in the
 US it is $1200 or more). This is what other nations have done. We as the consumers cannot keep up with the increases
 of a semi-controlled marketplace. 2. MVP got their company back to profitability in 2015, but then put on a large hiring
 effort - adding cost when they should be controlling it. You must keep them accountable and efficient. We as
 individuals cannot do it individually. 3. There is so much uncertainty in the current health bills, that any projection by
 MVP as to required increases is only that - a guess. They must wait until the current congressional debate settles and
 they know the real costs. Some things will go way down. Others will go way up. There is no certainty now to request a
 large increase. Do not grant a rate increase when there is no real supporting evidence for 2018. 4. While they claim a
 7.5% increase in drug costs (real) and a 1.5% increase in death rates vs their projections (shame on them for being
 wrong - what other industry can ask for increases due to a poor projection in a prior year?), these do not add up to the
 requested 15.77% increase on my policy premium. The numbers do not add to the total being projected to us, the
 consumers. 5. Generally, what is DFS doing to assure that these premiums don't get out of range for the average
 consumer. I don't qualify for a subsidy. I pay out of pocket for all premiums. I want insurance for catastrophic illness
 but not for gym memberships, simple doctors' visits... These low-end costs should be handled by the consumer (then
 you start to get a real marketplace effect) and only the larger things should be insured. Wellness will not come from the
 reams of paperwork I receive on how to be well and nursing consultation lines and Doctor on demand... But these
 things have to be driving up the costs. Please accept my input as sincere and as a consumer who is struggling with the
 rate increases that are about impossible to generate in a salary or business growth.
MVP Health Plan, Inc.
Individual
2018 Public Comments

 Every year my premiums go up way more than the cost of living goes up. I pay $1250 a month for my husband and I and
 I don't even have a premium plan. Now MVP wants to increase it another 13%? How can they possibly justify such
 huge increases every year? Why does NYS continually allow these insurance companies to rob us blind?

 i hope that we are approved

 Per a letter dated 5/20/2017, MVP Healthcare is requesting permission to increase my premium by 13.09%. Last year,
 my premium increased by over 9% and my deductible increased by $900. My net income, which is under $30,000/year,
 has not increased in the past year. A 13% increase in insurance costs would cause me considerable financial hardship.
 According to Bloomberg, the MVP CEO's income is an average of              , with a bonus of
                  . I would like to know whether MVP has attempted to offset costs by meaningfully reducing
 administrative salaries before passing the expense onto their consumers, who pay those salaries. I look forward to
 MVP's response.

 The insurance premiums are so high that it makes it very difficult for one to pay the premiums on a 25 - 30 dollar yearly
 income. The increase seems to be very high. It is just about all I can do at the present rate.

 I am against the proposed MVP rate change of 14.1% for 2018 because that is just way too high. Nobody in this country
 as wage earners get salary increases this high and the average consumer can not tolerate these increases. This increase
 would add $50 a month to my premium which is just unreasonable. Insurance companies need to learn how to
 streamline their business and find other ways to manage without adding a ridiculous burden to those who can least
 afford it. Please help to keep these insurance companies in check!

 I currently pay $479.64 per month for a single person (me). The proposed 17.13% increase that I was notified about
 would bring the monthly cost to $565.98 per month. That's too much. Why not raise the rate by the federal COLA, more
 like 4%? Because of my income, I don't qualify for any subsidy, so I have to pay the entire premium amount. My annual
 deductible is really high, too, $5100, and the out-of-pocket maximum is high at 7100. Because I am relatively healthy, I
 haven't yet met the deductible, so I pay top dollar for doctor fees and prescriptions on top of the $5755.68 per year.
 That is a huge chunk of my income after rent and utilities. It wasn't so long ago, maybe 2015 that I was paying about
 $300-350/month. Can you consider lowering the proposed premium rate change? As a                               , I can't
 raise my rates 17.13% to cover the increase.
MVP Health Plan, Inc.
Individual
2018 Public Comments

 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 am opposed to any insurance rate increases. The premium and the
 deductibles have risen every year consistently. If they are raised again I will cancel my policy and go without insurance.
 I can not afford more. I currently have MVP Health Care, Standard Bronze policy with individual coverage. The HISO
 plan ID number is 56184NY0140010-01. Thank you!

 ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders
 or unexpected emails. I'm against rate increases on MVP health care Non-standard, Silver 3 individual coverage HIOS
 56184NY0200008-00 I think Individual plans should all be added together as a group & therefore lower costs,
 premiums & deductibles. I am hoping a fairer more reasonable health coverage plan becomes available in the future.
 Thank you & please don't raise rates! Really not affordable now.

 ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders
 or unexpected emails. I am a subscriber to the MVP Health Care Non-Standard Silver 2 with individual coverage (HIOS
 plan ID 56184NY 01050017-04 writing to request that DFS reject MVP's 15.7% Rate Increase request. My spouse is a
                       and we do not understand why MVP should be allowed to raise their rates more than the
 MEDICARE program which will be limited to the MEDICARE COLA rate. Although no one yet knows the COLA rate for
 2018 we are sure it will be a small fraction of the amount requested by MVP! In an inflationary market prices only stop
 rising when demand decreases. Demand in today's Healthcare market is fixed - consumers literally cannot live without
 health care insurance! Without imposition of some discipline on the insurers by our government prices rise at their
 whim - this fact dooms the ACA and any other governmental involvement in healthcare unless agencies like DFS stand-
 up to the insurers and healthcare industry on the behalf of the public. PLEASE DO NOT ALLOW MVP AND THE
 HEALTHCARE INDUSTRY BLACKMAIL NY's CITIZENS WITH THE ENDLESS UNCONSCIONABLE RATE INCREASES! Thank You,

 ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders
 or unexpected emails. I just got a letter from my medical insurance provider saying they are requesting a rate increase
 of 17.08% so I'm writing this letter to let you know that this creates a huge burden on retired fixed income people such
 as myself. It is bad enough that they keep raising premiums at a ridiculous rate on an annual basis but now they want to
 do it mid year as well. Especially such a large amount. I'm asking you to deny this rate increase. My Insurer is MVP
 Health Care My plan name is Non-Standard Bronze 2 I have individual coverage My HIOS plan identification number is
 56184NY0150015-01 Sincerely,
MVP Health Plan, Inc.
Individual
2018 Public Comments

 ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders
 or unexpected emails. NY State Insurance Dept:         I received today a notice dated May 30, 2017 that MVP Health
 has applied for approval to raise my rate by 17.1%. This is astonishing and highly aggressive, as they already raised my
 premium by 9% this year vs. 2016. My plan info and ID is shown on the subject line. I entered into a higher
 deductible plan contract with them for individual health insurance. My premium is already $546 per month and my
 claims pale in comparison! Their proposed premium increase is without justification and places an additional and
 onerous financial burden on policyholders, well beyond their actual cost/claims experience. I recommend that you
 reject their proposal.    Best regards,

 ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders
 or unexpected emails. NY State Insurance Dept: I received today a notice dated May 30, 2017 that MVP Health has
 applied for approval to raise my rate by 17.1%. This is astonishing and highly aggressive, as they already raised my
 premium by 9% this year vs. 2016. My plan info and ID is shown on the subject line. I entered into a higher deductible
 plan contract with them for individual + kids health insurance. My premium is already $1,000 per month and my claims
 pale in comparison! Their proposed premium increase is without justification and places an additional and onerous
 financial burden on policyholders, well beyond their actual cost/claims experience. I recommend that you reject their
 proposal. Best regards,
                                       The information contained in this e-mail message (including all attachments) is only
 for the use of the intended recipient and may be privileged and/or confidential. If you are not an intended recipient, or
 have reason to believe you are not an intended recipient, you are hereby notified that any unauthorized dissemination,
 distribution or copying of this communication is strictly prohibited. If you have received this communication in error,
 please immediately notify us by return e-mail and delete or destroy the original message. Thank you.

 ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders
 or unexpected emails. My name is                          . I am a                                          . My insurer is
 MVP health care. My plan is standard bronze. I have individual health care coverage costing me $483.49 per month. I
 have a $6,000 deductible. This cost is barely sustainable for me. I just went for                                    and am
 terrified to receive the bill. I recently received a letter from you about potential changes and financial increases. I
 actually cried upon receipt of that letter. I don't know what my options will be, but I will not be able to afford insurance
 if it goes any higher. A few years ago my company had a plan called Healthy New York. The insurance payments were
 affordable and I could actually pay for my, my husband's, and half of my assistants insurance, for a cost less than what I
 am paying singly now. Where did that State sponsorored heath plan go? These increases cannot continue. Something
 has got to give. My HIOS plan identification number is 56184 NY 01400 10-01 Sincerely
Unknown Insurer
2018 Public Comments

 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.
 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,
Unknown Insurer
2018 Public Comments

 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
Unknown Insurer
2018 Public Comments

 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.
Unknown Insurer
2018 Public Comments

  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 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!
Unknown Insurer
2018 Public Comments

 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.
 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?
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

                                                      20
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?!

                                                         22
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)

                                                     10
Unknown Insurer
2018 Public Comments

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

 Small Business Owner

 Sent from Mail for Windows 10

  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.
 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.
Unknown Insurer
2018 Public Comments

 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 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
Unknown Insurer
2018 Public Comments

 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:
 consumers@dfs.ny.gov

 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)
Unknown Insurer
2018 Public Comments

 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 20
 and 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,                              --
Unknown Insurer
2018 Public Comments

 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.
You can also read
NEXT SLIDES ... Cancel