isler, cpa, business advisors, portland

How Your Job Can Wreck Your Health

Article by Ronesh Sinha | Found on Politico

During my medical training, I learned that a typical heart attack patient is a white male older than 50 who smokes cigarettes and eats red meat. So I was surprised when patients in my Silicon Valley office succumbing to uncontrolled diabetes and heart disease turned out to be 30-year-old vegetarian, non-smoking engineers from countries like India and China. Read more

Health Insurance Premiums

Obamacare Prices Increase for Those Who Don’t Get Subsidies

Article by | Featured on CNBC

“For people who are on the outside of subsidies, what had been a very expensive market has become even more expensive,” says a researcher at an insurance comparison site.

“Cheap” could cost you more for Obamacare next year.

People who buy the cheapest health plans on the biggest Obamacare exchange without getting financial assistance are facing the largest increases for premiums and out-of-pocket costs in 2016, new analyses show.

Average prices of the so-called bronze plans on the marketplace are rising 11 percent for nonsubsidized customers over 2015 prices. Average deductibles for individuals are increasing by the same percentage, to $5,731, according to a study by, an insurance comparison site.

Average premiums for the most popular types of plans, known as “silver plans,” are going up nearly as much — 10 percent — for customers who are unsubsidized, HealthPocket found.

Silver plan deductibles, however, are rising more modestly next year, by 6 percent for an individual, to $3,117.

The Avalere Health consultancy, in its own analysis, found that the average price of the lowest-cost bronze plan in states was rising by an average of 16 percent. Avalere said the average price of the lowest-cost silver plan was rising by 13 percent, compared to the 3.2 percent rise that was seen for 2015 plans.

Both HealthPocket and Avalere found wide variation in premium price changes across individual states. Some states saw far higher price hikes, while other states saw less dramatic spikes.

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