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The North Carolina BCBS plan my wife has is going up from ~ $680 per month to $1040+ a month, for a nice $12,500 annual cost in 2018.
Her plan, (they offer few individual plans and the are the Only Insurer in western NC), is for Maj Med only with a $6G deductible...it will only get worse as she has a couple years until Medicare: they know that and they know they are a monopoly of one for most of NC.
She has been a 'subscriber' to NC BCBS for 17 yrs, has had one claim for a few hundred bucks over that period, has exc annual physicals, etc.
We won't miss lunchola, but for older people on a budget, that kind of increase/annual cost would be a kick in the fanny.
GL, mD
When my son wanted health insurance, he just googled. That took him to https://www.ehealthinsurance.com. There, he bought a plan for $350 a month and $1500 deductible by Independent. No ACA, no Obama, no Exchange. What did he buy?
Probably a temporary plan which will only be effective for 3 months. He will have to reapply at that point and if he got sick in the meantime, he will not be allowed to renew.
Probably a temporary plan which will only be effective for 3 months. He will have to reapply at that point and if he got sick in the meantime, he will not be allowed to renew.
So ACA is actually preventing insurance companies from selling health insurance to willing young buyers then claim young people don't buy insurance. How crazy is that? Oh, and the thing about getting sick. You mean to tell me sick people can't buy insurance? I thought ACA fixed that.
Because ACA was reliant on getting those young people into the individual risk pool to help mitigate costs. Them buying temporary plans does nothing to help make the pool healthier.
When my son wanted health insurance, he just googled. That took him to https://www.ehealthinsurance.com. There, he bought a plan for $350 a month and $1500 deductible by Independent. No ACA, no Obama, no Exchange. What did he buy?
Probably a catastrophic plan, which is available with certain restrictions, e.g. one has to be under age 30 and qualify for a hardship exemption.
When my son wanted health insurance, he just googled. That took him to https://www.ehealthinsurance.com. There, he bought a plan for $350 a month and $1500 deductible by Independent. No ACA, no Obama, no Exchange. What did he buy?
That's where I go to compare plans. It is just a listing of available plans in your area and comparisons of them, costs and benefits. It is similar to an online insurance agency in that you can apply through the site or go to the insurers website.
He must be young, because I bought the cheapest Blue Cross plan (the only other choice in my area is AmeriHealth and they have terrible ratings) and mine is $665 a month with a $3,000 deductible (I am 55). Mine hasn't been under $400 a month since I was in my early 40's. Last year I had the mid-level plan with $1500 deductible, but this year it went from $589 a month to $793 a month, so I went down a level.
No idea what I will do next year or the next several, frankly. If you go to eHealth insurance and put in even older ages, the prices that come back are scary. My plan, when I put in that I was 60 just to see, came back at $809 a month with $3000 deductible.
When I did it again making myself 25 years old, the exact same plan came back at $299 a month. Oh, to be young again, lol.
So ACA is actually preventing insurance companies from selling health insurance to willing young buyers then claim young people don't buy insurance. How crazy is that? Oh, and the thing about getting sick. You mean to tell me sick people can't buy insurance? I thought ACA fixed that.
That was not correct information, it is not a temporary plan. EHealth insurance is just like the sites you go on if you're looking for car or life or any insurance, you put in your age and zip code and whether you smoke, and it shows you all the plans available in your area and what the costs and benefits are for each. They don't sell their own insurance. I have never heard of temporary insurance in any case aside from COBRA.
If you go onto the website, they list both ACA compliant plans and non-compliant. They are just an insurance broker. Most of the non-compliant plans are short-term plans By law, they can only last 3 months. Short-term plans are allowed to underwrite.
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