My new Health Plan (2014, insurance, how much)

[Versatile]

I was with Aetna. Was paying 645.00 per month (single male)$2000.00 deductible) They were cancelling me out due to not meeting govt standards. So they raised it to $708.00 for the last 2 months of Nov and Dec. I paid $25.00 per visit it for my Primary doctor and $35.00 for a Specialist and a discount on prescriptions.

My new plan is $159.07 per month and NO Primary doctor copay.$50.00 Specialist Copay,Generic Prescriptions are $5.00 and ER visit is $300.00 copay after deductible. i have a $1250.00 Deductible. Max out of pocket is $5k

[attrapereves]

Originally Posted by Versatile

I was with Aetna. Was paying 645.00 per month (single male)$2000.00 deductible) They were cancelling me out due to not meeting govt standards. So they raised it to $708.00 for the last 2 months of Nov and Dec. I paid $25.00 per visit it for my Primary doctor and $35.00 for a Specialist and a discount on prescriptions.

My new plan is $159.07 per month and NO Primary doctor copay.$50.00 Specialist Copay,Generic Prescriptions are $5.00 and ER visit is $300.00 copay after deductible. i have a $1250.00 Deductible. Max out of pocket is $5k

That's good to hear. I was paying about $70/month for a really basic plan with a high deductible. I'm going to be paying around $35/month in 2014.

[jambo101]

Originally Posted by Versatile

I was with Aetna. Was paying 645.00 per month (single male)$2000.00 deductible) They were cancelling me out due to not meeting govt standards. So they raised it to $708.00 for the last 2 months of Nov and Dec. I paid $25.00 per visit it for my Primary doctor and $35.00 for a Specialist and a discount on prescriptions.

My new plan is $159.07 per month and NO Primary doctor copay.$50.00 Specialist Copay,Generic Prescriptions are $5.00 and ER visit is $300.00 copay after deductible. i have a $1250.00 Deductible. Max out of pocket is $5k

Is this new plan made possible by the ACA(Healthcare.gov)? or was it something you aquired through shopping around on your own.? Congratulations on the big improvement.

[Versatile]

Originally Posted by jambo101

Is this new plan made possible by the ACA(Healthcare.gov)? or was it something you aquired through shopping around on your own.? Congratulations on the big improvement.

It is an ACA policy.

[nealrm]

So how much are taxpayers on the line so you can get that rate?

[Versatile]

Originally Posted by nealrm

So how much are taxpayers on the line so you can get that rate?

You seem to have an attitude about this insurance. I decline to give you ammunition to attack me.

[jambo101]

If its an insurance policy why would the tax payers have anything to do with it?

[STLviaMSP]

nealrm - perhaps you should look into the policies available on healthcare.gov. You might just find some significant savings there.

[attrapereves]

Originally Posted by jambo101

Is this new plan made possible by the ACA(Healthcare.gov)? or was it something you aquired through shopping around on your own.? Congratulations on the big improvement.

Yes, it's an ACA plan. If I did not get any deductions, I would now be paying over $200/month. I could not afford to pay that.

Despite the many problems with the ACA, it does make it a lot easier for people who didn't have insurance before to be able to obtain a plan. I'd rather my tax dollars go towards healthcare and the bettering of society than straight into politicians pockets and useless wars. I'd say cut the defense budget in half and reinvest that money into education and healthcare. Healthy, educated people = more income = more tax income.

[nealrm]

Originally Posted by Versatile

You seem to have an attitude about this insurance. I decline to give you ammunition to attack me.

Yes and it is a good reasonable attitude. It is an acknowledgment that the source of all government subsidizes is money that is earned by taxpayers. In most cases that subsidies is earned by someone other than the person receiving it. If more people had this attitude we would be a great deal better off as a country.

nealrm - perhaps you should look into the policies available on healthcare.gov. You might just find some significant savings there.

I did. My rate would have dropped about $20, deductible would have remained the same, max out of pocket would have gone from $5000 to $13,000, I would lose my HSA and taxpayers would be on the line for $4500 per year. I said no thank you.