Skip to comments."Best" states to buy insurance in?
Posted on 12/23/2013 12:23:03 PM PST by heartwood
One week ago, we got a letter from NJ Horizon BCBS saying our current plan qualified under the Affordable Care Act.
Today, we got a letter saying they were discontinuing our plan in April. Their "Bronze" Plan substitute , not covering our oldest two children, would cost 50% more, or 17K per year, and requires a 50% copay for specialists, and a 50% copay on drugs (the old plan didn't cover drugs.) We can't afford it. We barely can afford the old one. And I guess "Bronze" means "Lose your home and go bankrupt if you get cancer, but, hey, your oldest two can go on the government teat."
Going without insurance means being charged far more for tests and procedures - like an $800 mammogram instead of the insurance company-negotiated rate of $150.
We've been planning to move out of NJ - this is accelerating our timetable. Is there any state where
1) you can buy a a relatively decent catastrophic plan, one that doesn't have a low cap, like 100K, because that's not catastrophic
2) you can set up a largish tax-exempt health care savings plan
3) there are some requirements for transparency in health care pricing, so you can find out before you have a procedure what it will cost?
Agree 1000%. Has potential to be worse than Pearl Harbor for the horrific negative affect on Americans’ finances, moral, health, freedom , etc.
Probably SC. The first state to ban obamacare.
Just an FYI you can negotiate with medical service providers. I have done so even for emergency surgery. I think obamacare has so messed up the system any medical providers would be happy to negotiate for services if you pay cash. I wish I had a solution for catastrophic protection but since obamacare cancelled all those plans I don’t know what to do.
The very issue they claimed to be fixing, namely folks being bankrupted by a bout of serious illness, is the one they’ve now made it financially impossible for many Americans to insure against. Sheer genius.
Drunk and numb come to mind...
God go with you FRiend, the Government has abandoned you.
Obamacare has given insurance companies a license to steal.
It is about making insurance company execs rich. Bailout coming.
Patients and their families, right at Thanksgiving and Christmas, have been faced with the agony of knowing that lives may be shortened because of the votes of each Democrat who first voted for the Bill, and then voted against the 2010 Republican legislation to prevent the cancellations.
Each Democrat should be called to account for hurting even one brave American who has battled cancer and is now experiencing fear and hurt because of politicians cowardly and coercive actions on behalf of a leader who cares for nothing but power and forcing ideological change in America.
denial comes to mind too
Don’t buy any insurance. Pay for your doctors and meds, and make sure you don’t overpay your income tax withholding so they can’t collect the fines. You don’t need catastrophic insurance, because if you get really sick you can buy a gold plan, and your preexisting condition won’t matter.
It’s a tossup between Puerto Rico and Guam.
denial comes to mind too
Kansas. I have saved $450 a month moving from my COBRA to Non-ObamaCare through the Kansas Non-ObamaCare exchange. P.S. Cost for 1 on Medicare with supplemental and 1 not, less than $250 a month.
Check out the self pay patient blog ...... here’s a link to their resources page - maybe you’ll find something that will help:
Can we see a ranking 1 to 57?
Healthsherpa does not have all the plans. The best thing to do is to go to the individual health insurance company websites, themselves.
Is that really true? Just wait until you are sick and buy insurance. Surely there must be some restrictions.
That’s my understanding. Of course conservatives have been pointing out this flaw all along.
I have no doubt that it might be true. I just have trouble believing that it is true . . . . because it is so absurd!
I have just completed a week’s worth of research. I have been there.
A friend told me about the website. I went, and I noticed that it did not list all the plans available to me elsewhere. It is also true, of course, that healrhcare.gov does not, as not all insurance companies are participating in the exchange. The best thing to do is (1) find out which insurance companies sell insurance in your state, and (2) go to their websites and shop and compare and (3) purchase directly from them (unless you are due a subsidy from the government, in which case your options are limited to what is on the exchange).
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