NC discussion - on Health Insurance (no politics please) (real estate, how much)
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I was surprised to learn that coverage through BCBS for my daughter is a way better deal than the state health plan.
Here's a little tip I figured out that may help people. The healthcare.gov website is nuts. Since BCBS is the only insurer in NC, you don't really need to use that site. Just go to the BCBSNC website. You'll get the same options and prices there and you can see your options without entering all your info. They just need your birth date and zip code.
My $5,000 BC/BC of NC policy is not old enough to be grandfathered; therefore, I will be moved to the bronze level $5,500 deductible. For this, I will have the privilege of paying $98 more per month. In 2012, I paid $346/month. In 2013, I paid $391/month. Now, thanks to the ACA, I will be paying $497/month. 57 year old non smoker.
I have been reading that the ACA plans must cover maternity care. Is there any way out of that option if all members of the household are past the age of needing maternity care?
I have been reading that the ACA plans must cover maternity care. Is there any way out of that option if all members of the household are past the age of needing maternity care?
Nope, you have to have maternity and newborn care as well as substance abuse care. That's all required on every plan on every level.
I have been reading that the ACA plans must cover maternity care. Is there any way out of that option if all members of the household are past the age of needing maternity care?
No. The whole point is to provide group insurance to the private insurance market. The cost of insurance is based on the cost of insuring the whole and not based on the individual's risk beyond age and tobacco use. If you think about it, burdening young women with high insurance costs is nuts. Procreation is a good thing and we need more of it if you want to lower health insurance premiums in the long run (not to mention social security and medicare).
So in return for covering the cost of other people's maternity care, other people will cover the cost of whatever your medical condition is (or will be).
If you’re getting insurance now through an employer’s group plan, you can go to the new marketplace to check out the potential cost to switch. But you won’t qualify for tax credits because you’re already covered by a group plan. And without tax credits, the online marketplace will probably be more expensive than the plan you have.
The plan is through Carolinas Healthcare System. We (family of 3-healthy) pay around $6700 in premiums (exc vision and dental)which is in excess of 10% of our annual gross income. After deductions it's more than 20%.
If you’re getting insurance now through an employer’s group plan, you can go to the new marketplace to check out the potential cost to switch. But you won’t qualify for tax credits because you’re already covered by a group plan. And without tax credits, the online marketplace will probably be more expensive than the plan you have.
The plan is through Carolinas Healthcare System. We (family of 3-healthy) pay around $6700 in premiums (exc vision and dental)which is in excess of 10% of our annual gross income. After deductions it's more than 20%.
Thanks.
Looks like the "affordability" of a plan offered by an employer is based on the premium that one would pay for "self only" coverage, and premium $ amount needs to be more than 9.5% of the gross adjusted income for it to be classed as unaffordable. They don't take into account the extra premiums for family coverage in the affordability test.
I'm sure there's a reason for this, but can't think of one at the moment.
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NC prices on Health Ins Exchange??
