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Originally Posted by classicman
How much? Costs increase all the time. For everything, not just health insurance.
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Percentage. Costs can increase, but the
percentage of those costs that the employees pay can't. There might be some issue as to what a significant deductible or co-pay increase consists of, but once that's defined the plans will be able to decide whether to follow the new regulations, or raise the co-pay by a bit less.
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So a doctor retires and "the plan" selects a new one to replace him ... OUT.
If a plan wants to ADD doctors to INCREASE the options for the insureds .. OUT.
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Incorrect.
Insurance provider. Not doctor. If your employer moves from Aetna to UnitedHealthcare, they obviously can't call it the same plan. Again, it is your employer changing the plan from the one you like.