FYI....

 

Decided to play with this late last week.  After a few dozen tries online, and a few 800# calls (which were not helpful at all)

 

I did finally get ON on Saturday....and get to a pricing scenario. 

 

 

Soooooo...........................................

 

 

Age, 58, male, policy just for me (sole proprietor business)   Curious how this would price compared to my current policy.

 

Current policy:
$300/month    Prices have gone up each of the last 2 years (January renewal) AND company (United Health Care) has pushed UP the deductible each year, BUT as I have NO claims OVER my annual deductible for the past 2 years (started in Jan 2011) I get a $500/yr reduction to my normal deductible.

 

$3000 current deductible

Free annual physical and blood work   (co pay is around $60 for a sick visit and $80? for a non-sick visit.)

 

Each year, I get my annual physical and blood work......and then, maybe, see the Doc 1, 2, or 3 times for a sore throat or something else that is simple......

 

BTW...I have ALWAYS and FOREVER HATED Health Insurance.....going back to when you had to send in each bill for reimbursement.

 

Sooooooooooooooooooooooooo

 

IF....I did the application correctly........  the NEW policies under the Affordable Health Care Act......do NOT look very affordable !!!!!!!!!!!!!!!!!!!!

 

As you may know, there are 4 plans AND a 5th is a catastrophic plan, ONLY for people UNDER 30 or UNABLE to afford any of the other 4 plans.

 

So, you have:

Bronze,

Silver

Gold and

Platinum

 

Bronze covers 60% of TOTAL average costs (whatever that means)

Silver covers 70%

Gold covers 80% and

Platinum covers 90%

 

I had asked on the phone, 'IS THERE any place I can see in ONE CHART, a comparison of all 4 plans, side by side, showing coverages, etc."

Answer:  NOPE!!   Wow, how consumer friendly can you get??!!

 

But, after putting in my info, I DID get that one page comparison sheet.   (see below) 

 

But, remember, my current monthly payment?   $300/month 

 

The BASIC Bronze plan would cost anywhere from $442 to $652 per month. And have a HIGHER deductible than I have now.  Ouch!

The Silver Plan, would cost $502 - $781 per month and have about the same deductible.

 

So.....

My current monthly cost:  $300  or $3600 per year

"Cheapest" Bronze Plan:  $442  or $5300 per year   ($1700 MORE)    TWENTY SIX PLANS TO CHOOSE FROM  !!  (Gosh, could it be an EASIER than THAT!!??  lol

 

and

Silver PLan cost:  $579 or $6948 per year ($3,348 MORE !!)    THIRTY TWO PLans to choose from   !!    WTFrick  !! 

 

SO MUCH FOR LESS COST.....

 

SO MUCH FOR EASIER.........

 

LOL>>>>>>>>>>>>>>>>>>   !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

And I did NOT check to see if MY CURRENT DOC in on "their " list.......  after I saw the cost....WHO CARES ABOUT ANYTHING ELSE!!???

I could call the 800# to see if I did it right.......but who cares..........  I'm a pretty "smart guy" ....  why would I think I didn't do it right????

 

 

HOWEVER>...................................I was currently UN-INSURED........due to PRE-existing conditions.........and the ONLY way I could get health insurance was with THIS PLAN...the A.C.Act......

 

I'd JUMP ON IT!!

 

But.......IF it only prices well for people with PRE-existing conditions......and NOBODY IN THEIR RIGHT MIND who is INSURABLE ESLEWHERE.........

 

Wanna bet the current pricing WILL NOT WORK IN THE LONG RUN......or even in the SHORT RUN!!!!!!!!!!!!!!!!  ???????

 

BTW.....In Florida, for homeowners insurance, the state of Florida has it's OWN Home Insurance plans...for those who CAN'T GET INSURANCE in the "regular" market......

 

BUT.....that program is so POORLY Priced and RUN.....that they have IMPOSED a fee on "us regular insured home owner policies" to "bouy-up" the financial stability of the state program.....  LOL......are you with me....can I get an AMEN out there yet???? !!!!!!!!!!!!!!!!!!!!!!!!  LOL

 

 

YOU KNOW...IT JUST HIT ME.....I can envision a day (soon) when "regular market" health policies will have a surcharge on THOSE policies to bouy up the financial stability of the ACAct policies...

 

HEY.......isn't that ALREADY GOING TO HAPPEN?  At least to those people with the "Cadillac plans?"   ????????????? !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

Rapture SOON.......................I HOPE I HOPE I HOPE........................................

 

This is INSANITY!!  Financial INSANITY!!!

 

TICK TOCK......................................BOOM..........................IMPLODE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

YFIC,

RAndy

 

PS.........Social Security and Medicare are ALREADY THE 2 BIGGEST budget and tax items in the US Budget......

 

Anybody think ObamaCare....sorry....the ACAct will BANKRUPT the USA even FASTER!!??  

 

I as SOoooooooooooooooooooooooo disappointed!!