News, Gallup: Record number of Americans delayed serious medical treatment (HSA, plan)
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Dec. 9 (UPI) -- A record 25 percent of U.S. adults said they or a family member delayed treatment for a serious medical condition in the past year because of cost, Gallup said Monday.
The number is up from 19 percent a year ago and the highest in Gallup's trend data since a high of 22 percent recorded postponing treatment for a serious condition in 2014, data released Monday shows.
High deductible plans. Obamacare plans are the worst when it comes to high deductibles. An unsubsidized family can easily be out almost 30k between premiums and deductibles before a bill will be covered.
To make it worse, in my state most Obamacare marketplace plans are not HSA compatible despite being very high deductible in nature.
High deductible plans. Obamacare plans are the worst when it comes to high deductibles. An unsubsidized family can easily be out almost 30k between premiums and deductibles before a bill will be covered.
To make it worse, in my state most Obamacare marketplace plans are not HSA compatible despite being very high deductible in nature.
What do you suggest for the unemployed then? Are you saying that an unemployed person can shop around and find a better deal than ACA? This is a real question.
When I lost my job in the spring of ‘18, I took cobra, which cost me around $380/mo with $5000 deductible. Not bad for health insurance in the US but tough on someone without a job. But one night I was staying with a friend who I suspect had mold problems and I got my first asthma attack in 25 years and ended up sleeping in my car. I thought it would get better outside but it didn’t and actually took weeks to completely resolve. I had no meds because it had been so long since my last attack and I remembered that Primatene Mist as a great otc remedy that had really helped me before. Nope, it was off the market and no other otc inhalers were available. It was the middle of the night so options were limited. I powered through but boy was I pi$$ed. Note: P.Mist is back on the market with a higher price because the company took advantage of the fact that they were forced to change the propellant and classified it as new drug.
Right now at the ACA marketplace the cheapest plan I can find is over $500/mo and over $8000 deductible and I’m still unemployed and exactly age 60. If you know of better I’d love to hear it.
What do you suggest for the unemployed then? Are you saying that an unemployed person can shop around and find a better deal than ACA? This is a real question.
When I lost my job in the spring of ‘18, I took cobra, which cost me around $380/mo with $5000 deductible. Not bad for health insurance in the US but tough on someone without a job. But one night I was staying with a friend who I suspect had mold problems and I got my first asthma attack in 25 years and ended up sleeping in my car. I thought it would get better outside but it didn’t and actually took weeks to completely resolve. I had no meds because it had been so long since my last attack and I remembered that Primatene Mist as a great otc remedy that had really helped me before. Nope, it was off the market and no other otc inhalers were available. It was the middle of the night so options were limited. I powered through but boy was I pi$$ed. Note: P.Mist is back on the market with a higher price because the company took advantage of the fact that they were forced to change the propellant and classified it as new drug.
Right now at the ACA marketplace the cheapest plan I can find is over $500/mo and over $8000 deductible and I’m still unemployed and exactly age 60. If you know of better I’d love to hear it.
The question should have been regarding ACA is this the best we can do? Simply expanding Medicaid on a sliding scale based on your income would have bought better coverage then forcing people to buy a policy from a for profit insurance company.
Some people are choosing the cost saving ministries and other such accounts. I have no personal experience with them, but they tend to be cheaper.
If you have no income and your state did the Medicaid expansion you could use that and change out of it when you get a job.
Some people are choosing the cost saving ministries and other such accounts. I have no personal experience with them, but they tend to be cheaper.
If I were older waiting until I'm Medicare eligible, I definitely would consider joining a health sharing ministry. Premiums are much lower, deductibles very reasonable (not multi-thousands), however they do require health underwriting for acceptance. Couple of threads on the subject, here:
Dec. 9 (UPI) -- A record 25 percent of U.S. adults said they or a family member delayed treatment for a serious medical condition in the past year because of cost, Gallup said Monday.
The number is up from 19 percent a year ago and the highest in Gallup's trend data since a high of 22 percent recorded postponing treatment for a serious condition in 2014, data released Monday shows.
Self-employed, I have high deductible health insurance, but I call it catastrophic health insurance because there is little incentive to seek treatment unless it is a catastrophic emergency that one knows will cost at least some $12,000 and indeed $30,000 or more.
The US has a perverse health care financing system with perverse incentives and too often perverse outcomes. Basic logic, not news.
Quote:
Originally Posted by NSHL10
... when it comes to high deductibles. An unsubsidized family can easily be out almost 30k between premiums and deductibles before a bill will be covered.
I suppose the only non-perverse incentive is I do everything possible to avoid injury and sickness, including being very careful about what and how much I eat and exercise every day. Still, I let of lot of things go and hope for the best.
I suppose the only non-perverse incentive is I do everything possible to avoid injury and sickness, including being very careful about what and how much I eat and exercise every day.
The question should have been regarding ACA is this the best we can do? Simply expanding Medicaid on a sliding scale based on your income would have bought better coverage then forcing people to buy a policy from a for profit insurance company.
Except some states refused to expand their Medicaid programs...
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