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"Best" states to buy insurance in?
12/23/13 | self

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?


TOPICS: Business/Economy; Health/Medicine
KEYWORDS: healthinsurance; obamacare
I just can't say what I want to say about the people who got us in this mess, and the people profiteering off this mess. Ban-worthy, FBI and SS attention-getting, unChristian.
1 posted on 12/23/2013 12:23:03 PM PST by heartwood
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To: heartwood

Agree 1000%. Has potential to be worse than Pearl Harbor for the horrific negative affect on Americans’ finances, moral, health, freedom , etc.


2 posted on 12/23/2013 12:29:51 PM PST by oh8eleven (RVN '67-'68)
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To: heartwood

Probably SC. The first state to ban obamacare.


3 posted on 12/23/2013 12:29:51 PM PST by Trapped Behind Enemy Lines
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To: heartwood

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.


4 posted on 12/23/2013 12:38:23 PM PST by Organic Panic
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To: heartwood
Is there any state where ...
Can't really answer your question, but you can try plugging in different zip codes at Health Sherpa and comparing plan costs.
Don't forget, when it asks you for your annual income to see if you're eligible for a subsidy, just follow the Øbama(no)Care navigator's instructions and lie.
5 posted on 12/23/2013 12:38:33 PM PST by oh8eleven (RVN '67-'68)
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To: heartwood

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.


6 posted on 12/23/2013 12:39:11 PM PST by ArmstedFragg (hoaxy dopey changey)
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To: heartwood

Drunk and numb come to mind...


7 posted on 12/23/2013 12:39:20 PM PST by Ingtar (The NSA - "We're the only part of government who actually listens to the people.")
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To: heartwood

God go with you FRiend, the Government has abandoned you.

Obamacare has given insurance companies a license to steal.


8 posted on 12/23/2013 12:46:13 PM PST by Venturer (Half Staff the Flag of the US for Terrorists.)
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To: heartwood

It is about making insurance company execs rich. Bailout coming.


9 posted on 12/23/2013 1:07:20 PM PST by WriteOn (Truth)
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To: heartwood
The most despicable aspect of this entire power move by Obama and the so-called "progressive" regressives is the thousands and thousands of Stage IV Cancer patients who have been traumatized by the cruelty of the Democrats in designing of ACA's rules in order to take away the very insurance policies which have been allowing aggressive treatment for their disease!

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.

10 posted on 12/23/2013 1:16:51 PM PST by loveliberty2
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To: Ingtar

denial comes to mind too


11 posted on 12/23/2013 1:16:58 PM PST by bravo whiskey (We should not fear our government. Our government should fear us.)
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To: heartwood

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.


12 posted on 12/23/2013 1:17:12 PM PST by Hugin
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To: heartwood

It’s a tossup between Puerto Rico and Guam.


13 posted on 12/23/2013 1:18:11 PM PST by Hoodat (Democrats - Opposing Equal Protection since 1828)
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To: Ingtar

denial comes to mind too


14 posted on 12/23/2013 1:19:36 PM PST by bravo whiskey (We should not fear our government. Our government should fear us.)
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To: heartwood

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.


15 posted on 12/23/2013 1:27:15 PM PST by Starstruck (If my reply offends, you probably don't understand sarcasm or criticism...or do.)
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To: heartwood

Check out the self pay patient blog ...... here’s a link to their resources page - maybe you’ll find something that will help:

http://selfpaypatient.com/selfpayhealthcaremarket/


16 posted on 12/23/2013 1:50:44 PM PST by MissMagnolia (You see, truth always resides wherever brave men still have ammunition. I pick truth. (John Ransom))
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To: heartwood

Can we see a ranking 1 to 57?


17 posted on 12/23/2013 3:49:10 PM PST by chickenlips (Primary them all.)
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To: oh8eleven

Healthsherpa does not have all the plans. The best thing to do is to go to the individual health insurance company websites, themselves.


18 posted on 12/23/2013 4:03:19 PM PST by MrChips (Ad sapientiam pertinet aeternarum rerum cognitio intellectualis - St. Augustine)
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To: Hugin

Is that really true? Just wait until you are sick and buy insurance. Surely there must be some restrictions.


19 posted on 12/23/2013 4:06:04 PM PST by MrChips (Ad sapientiam pertinet aeternarum rerum cognitio intellectualis - St. Augustine)
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To: MrChips

That’s my understanding. Of course conservatives have been pointing out this flaw all along.


20 posted on 12/23/2013 4:11:36 PM PST by Hugin
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To: Hugin

I have no doubt that it might be true. I just have trouble believing that it is true . . . . because it is so absurd!


21 posted on 12/23/2013 4:13:50 PM PST by MrChips (Ad sapientiam pertinet aeternarum rerum cognitio intellectualis - St. Augustine)
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To: MrChips
Healthsherpa does not have all the plans.
How do you know that? I see no **warning** on their website.
22 posted on 12/23/2013 4:16:13 PM PST by oh8eleven (RVN '67-'68)
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To: oh8eleven

I have just completed a week’s worth of research. I have been there.


23 posted on 12/23/2013 4:20:38 PM PST by MrChips (Ad sapientiam pertinet aeternarum rerum cognitio intellectualis - St. Augustine)
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To: MrChips
So who's responsible for what's missing ... ØbamaCare, insurance company, Health Sherpa, other - and how did you discover it?
24 posted on 12/23/2013 4:41:57 PM PST by oh8eleven (RVN '67-'68)
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To: oh8eleven

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).


25 posted on 12/24/2013 7:53:26 AM PST by MrChips (Ad sapientiam pertinet aeternarum rerum cognitio intellectualis - St. Augustine)
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