Comment Re:The Field Fox (Score 1) 131
Tail of two health plans. I've been "self-employed" after I sold my last company in 2011. I paid ~$100 a month for health insurance including a pretty good dental package. In three years I used it basically for annual check up (covered) and a trip to urgent care after cutting my hand while doing some home improvement costs. Total bill out of pocket: $60 for the visit, $10 co-pay for the antibiotics they prescribed. That included x-rays, cleaning, and stitching the wound. My deductible was $3500, $11,000 max out of pocket on the old plan.
Well I couldn't keep that health plan. Apparently now for someone in their early 30's that was now "Catastrophic only" or something. So I went to the exchange. The most like I had was the "silver plan". Silver plan premium $280 per month, no dental. The "Bronze Plan", $156 per month with no dental coverage. Well week before the wedding the puppy dog decided my finger was part of the treat ball. So I had to go up to the same Urgent care, cleaned, x-ray'ed, and medical superglued cost: well $90 for the visit and $45 out of pocket for the same antibiotics as they weren't covered under this plan. Further more the plan I had under ACA at $6000 deductible and $17k max out of pocket.
And for months all I heard from ACA supporters was how my old plan was "crap" and this new plan "would cover so much more". Well...I wanted to keep my old plan, but we know how well that went.
I'm now on my wife's plan from her work. Cost, about $200 a month to cover me with dental. But we may only have this plan until the end of the year as her employer (a Fortune 300) is figuring it's cheaper to pay the fine and force all their employees onto the exchange. Which scares me how much that will cost us out of pocket for a family.