Giantaxe

If the family deductible really was $25k it can't have been an ACA plan anyway. It would be interesting to know what their ACA options were and whether the entire increase in premiums for the Humana plan can be attributed to the ACA.

Nutmegger

My OH has a simple co-pay -- and was able to remain with the same doctor he's seen for twenty years. As I have said in the past, he spent a lot of time reviewing all the options, but after a lifetime of self-employment HI premiums, the ACA is a vast improvement for him. Before he paid a big premium, had a big deductible he rarely met, and just kept on having to fork out . . .

Steve_

That sounds like a better plan than anything I saw, what's your premium like?

Steve_

Go to healthcare.gov and bang in your zip code and see what comes up. Have you got an individual plan already?

Loads of stuff comes up but a lot of it seems laughable to me. I know you can say that there's lots of "choice" but the choices don't seem to be that good for the most part, although obviously it's going to depend where you are.

Given that only 3.5% of the population uses it, how much real choice can there be?

Giantaxe

That's still 10m people, so the large states are probably fine. I just plugged my details in and it came up with 17 options. Small states not so much. With insurance regulated at the state level, they can't pool with other small states.

kins

I'm in a state with around 1.25m people and it brought up 25 policies for me with I think 4 or 5 insurers.

kodokan

Bought a policy on it last year, in AZ. There were several dozen to choose from - I specifically wanted Bronze coverage that was a PPO and HSA-compliant, and there were 6 or 7 just of those.

Didn't actually use it, so don't know what the back end admin would be like, but it was Anthem BCBS so widely accepted. It even covered overseas emergencies.

scrubbedexpat091

In searching California on the exchange, plans seemed reasonable for our income level, but California appears to be giving quite a nice credit for lower income families, but the coverage seems to still have too much out of pocket for anyone with chronic health issues.

I get anything from $2 per month to $242 per month, with varying levels of coverage.

I see the biggest benefit to the change is those with health issues can actually get insurance, but from the deductibles and co-pays listed, would still be a idiotic amount per year for people who need regular medical care or doctor visits.


They sure don't make it easy though to understand all the plans, and make it easy for people to choose.

Still pricey though in my view.


No idea what prices were like pre-Obama care, I never found an insurance company who would insure me, and the times when I did have insurance they were heavily subsidized by the company, so I paid nothing per month and very small co-payments, suppose some insurance coverage is better then what was there before where insurance companies would just flat out refuse to insure you.

scrubbedexpat091

It's a bit of a monopoly here for payment, but the service providers are by and large private providers minus the hospitals.

But your doctor isn't employed by the government, they are largely self employed, the labs are by and large private enterprises, the pharmacies private enterprises etc.


The US could have single payer and still not have it all run by the government, the government would just be well the insurance company providing payment for services rendered based on a negotiated payment rates.

Some doctors and drug companies may end up with a pay cut, but they still make a nice living here.

Hospitals in the province are run by health authorities.

With some tweaks, could work well there.

And yes we have wait lists for things, however they are triage based, if your critical or urgent and need something right now, your not going to wait long if at all, if your not in urgent need, you may wait a few months, but makes sense to have the most in need see the doctor first.

kins

Yes I had one of those last year. The back end admin worked identically to the policy my husband bought from Anthem through his employer except that my Obamacare-selected policy had lower deductibles and covered a few more things.

thinbrit

Humana to Record 2016 Obamacare Shortfall, Membership Drops

Humana to Record 2016 Obamacare Shortfall, Membership Drops - Bloomberg Business