[deebin]

I have been looking at the Health Plans in Florida. The Plans in my state of NY stink. But, Florida appears even worse.

The premiums are sky high. The deductibles are sky high before any service is even given.

Is this the way it is? Am I missing something?

How do you Floridians cope?

[Spring Hillian]

Originally Posted by deebin

I have been looking at the Health Plans in Florida. The Plans in my state of NY stink. But, Florida appears even worse.

The premiums are sky high. The deductibles are sky high before any service is even given.

Is this the way it is? Am I missing something?

How do you Floridians cope?

You need to talk to an expert. Cutlip Financial Insurance Service, 1328 Bishop Rd, Spring Hill, FL 34608
(352) 610-9957. Talk to Dana Cutlip.

[wizrap]

The law really should be renamed "The Unaffordable Care Act." (I can only imagine how those who qualify for subsidies feel--even though they get help with the premiums, the deductibles are sky high, and heaven help you if you don't qualify for a subsidy--you've got the double whammy of the high deductible and the expensive premium). And we all wonder why the middle class is disappearing.....

What's a Florida resident to do? We've got a large elderly population so those folks are most likely on Medicare. If poor, then Medicaid. And if you're working, sign up for the employer's group plan (if there is one). Larger health network, lower deductibles and generally lower premiums then the ACA marketplace.

[The Villages Guy]

Originally Posted by deebin

I have been looking at the Health Plans in Florida. The Plans in my state of NY stink. But, Florida appears even worse.

The premiums are sky high. The deductibles are sky high before any service is even given.

Is this the way it is? Am I missing something?

How do you Floridians cope?

It is turning out to be a disaster for many states, including Florida.

[chopchop0]

Obamacare didn't reduce healthcare costs as promised and won't reduce the federal budget deficit either.

United is already strongly considering an exit out of the ACA The quiet unraveling of ObamaCare

[LKJ1988]

I go bare. I will never have HC.

[Happiness-is-close]

Health insurance has always been expensive. Abd before Obamacare, it was expensive and they could deny coverage for pre existing conditions.

[Spring Hillian]

Originally Posted by Happiness-is-close

Health insurance has always been expensive. Abd before Obamacare, it was expensive and they could deny coverage for pre existing conditions.

They could have and did.

The AHCA is good for people with little income because they get a large subsidy to pay the premiums. The more you earn the less subsidy.


This plan has great coverage, $500 a year deductible and many ZERO cost services and/or small co-pays. Maximum out of pocket expense is $2,000 a year. Once you hit $2k there are no costs.

Florida Blue 1443C

http://www.bcbsfl.com/DocumentLibrar...2014/1443C.PDF

[upgrader]

Most people don't understand the full impact of the ACA. The ACA started in 2010 and made plans like 1443C possible. It got rid of rescissions, and other insurance company games.

I have a BCBS plan with 10K deductible and I LOVE IT. Free yearly checkups. When I do pay for healthcare I get BCBS's highly discounted rates, much lower than what I can negotiate myself (even with cash up front). My generic prescriptions are absurdly cheap. Even less than ordering from Canada.

Before the ACA started in 2010 I could only get "liars insurance" at first, and then insurance that excluded my pre-existing conditions.

I really get upset when political rhetoric vilifies the ACA. Yes, guaranteed issue plans from the exchanges can be expensive, but if you can pass a physical you may be able to get off-exchange insurance.

Originally Posted by Spring Hillian

They could have and did.

The AHCA is good for people with little income because they get a large subsidy to pay the premiums. The more you earn the less subsidy.


This plan has great coverage, $500 a year deductible and many ZERO cost services and/or small co-pays. Maximum out of pocket expense is $2,000 a year. Once you hit $2k there are no costs.

Florida Blue 1443C

http://www.bcbsfl.com/DocumentLibrar...2014/1443C.PDF

[Travelassie]

Originally Posted by Spring Hillian

They could have and did.

The AHCA is good for people with little income because they get a large subsidy to pay the premiums. The more you earn the less subsidy.


This plan has great coverage, $500 a year deductible and many ZERO cost services and/or small co-pays. Maximum out of pocket expense is $2,000 a year. Once you hit $2k there are no costs.

Florida Blue 1443C

http://www.bcbsfl.com/DocumentLibrar...2014/1443C.PDF

Is this a plan available through the ACA exchange? I see nothing on the download for this plan that shows whether it is or not. They aren't all equal.