I am unfortunately in the individual insurance market. Prior to ACA, my premium was 197 a month with a 1500 dollar deductible. Medication was 10 for generic, 20 for non-generic. Co-pay as 20 for primary, 40 for specialist. I was able to choose my doctor. Now I'm paying 271 a month with a 6000 dollar deductible. I have no co-pay. I pay full price for drugs and doctor's visits until I hit my 6000 dollar mark. To me, having a 6000 dollar deductible makes my insurance somewhat worthless. I would be ok with the higher deductible, if my premium wasn't so much higher. I don't believe the ACA addressed them main issue that it was supposed to fix (Higher Costs).
Post your insurance rates here and how much they went up
President & CEO CAGiversary! 3898 Posts Joined 13.6 Years Ago
Posted 25 November 2017 - 03:22 PM
CAG in Limbo CAGiversary! 1753 Posts Joined 7.1 Years Ago
Posted 25 November 2017 - 10:50 PM
My premium went up 50%, however Ill gladly take that increase for a 5,000$ decrease in my deductible, 10,000$ decrease in out of pocket maximum, and the inclusion of mental health services and all other decreased prices. So now Im at 338/mo for me and spouse with free preventative care, 15$ copays, 800$ deductible, 15% coinsurance post deductible up to the out of pocket max of 2500. Could have taken it down to only a 50$ increase but would have doubled the deductible and out of pocket, so seemed worth it for peace of mind
Previously I was at 200$/mo, negotiated prices for everything, 6000$ deductible and 12,500$ out of pocket max
Pays to switch to a job with much better healthcare options among other things
Banned Banned 58 Posts Joined 0.4 Years Ago
Posted 23 October 2019 - 11:34 PM
How would things have turned out differently?