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Old 01-10-2016, 05:23 AM
 
Location: NY
157 posts, read 214,783 times
Reputation: 109

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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?
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Old 01-10-2016, 06:49 AM
 
Location: Spring Hill Florida
12,135 posts, read 13,262,027 times
Reputation: 6010
Quote:
Originally Posted by deebin View Post
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.
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Old 01-10-2016, 07:02 AM
 
Location: Gainesville, FL; formerly Weston, FL
986 posts, read 987,620 times
Reputation: 986
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.
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Old 01-10-2016, 07:29 AM
 
Location: North of South, South of North
8,706 posts, read 8,825,769 times
Reputation: 5074
Quote:
Originally Posted by deebin View Post
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.
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Old 01-10-2016, 07:37 AM
 
10,575 posts, read 10,860,316 times
Reputation: 5225
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
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Old 01-10-2016, 08:54 AM
 
13,685 posts, read 9,340,195 times
Reputation: 4405
I go bare. I will never have HC.
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Old 01-10-2016, 10:21 AM
 
Location: Florida
2,233 posts, read 1,514,026 times
Reputation: 1861
Health insurance has always been expensive. Abd before Obamacare, it was expensive and they could deny coverage for pre existing conditions.
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Old 01-10-2016, 11:10 AM
 
Location: Spring Hill Florida
12,135 posts, read 13,262,027 times
Reputation: 6010
Quote:
Originally Posted by Happiness-is-close View Post
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
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Old 01-10-2016, 11:49 AM
 
Location: Sarasota, Fl
809 posts, read 533,373 times
Reputation: 642
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.

Quote:
Originally Posted by Spring Hillian View Post
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
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Old 01-10-2016, 12:00 PM
 
Location: SW Florida
9,766 posts, read 7,047,160 times
Reputation: 14300
Quote:
Originally Posted by Spring Hillian View Post
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.
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