Replies

Yes, this is happening to a lot of people. This is one of the many reasons Obamacare is such a disaster.

Did you or your wife have any health crises or anything more expensive than a doctor visit?

We had a great plan, pricy but covered a lot and we could go to the best docs, but it went so far up after Obamacare. In 2014 it was nearly $2000 a month. I had brain surgery in October 2014. In November all the plans (that we could “keep”) went up and few could keep them. Mine was to be $2500 a month (for 6 people) but our income (again, thanks to Obama) had gone wayyyyyy down. I added up all of our medical costs - cash price - for 2014 and it would have been less costly straight up fee for service than it had been paying $2000 a month, and all the copy’s and 20%s.

Yes, it would have cost us less to have no insurance and pay cash for services EVEN WITH MAJOR SURGERY.

So we decided to use Liberty Health Share for 2015. It is for like minded responsible healthy people and families who make an effort to live healthfully, love liberty, and love personal responsibility. It is slightly religious but this healthshare doesn’t insist on a certain religion. Your monthly input actually goes to help other people pay their med bills. We only pay $500 a month for the same 6 people. They have the same as a deductible, ours is $1500 for the year, any person or people’s Med costs. Once that is spent, they cover 100% of everything from any licensed medical professional (except mental health which I wish they would cover for children at least but they do not). 100% coverage! ANY DOCTOR!!

We love it. There have been some misunderstandings in their reimbursement that were easy to clear up. Other than that, they have been great. A very few docs will “accept” them — even if the doctor’s secretary calls up and is informed the bill will be paid in full, they can’t veer from their “insurance script” and insist that “our office doesn’t ‘take’ Liberty.” So we have fronted almost all the money (you don’t have to in hospitals) and had to get it reimbursed. But when you pay cash, you get discounts.

Also, if there is no emergency, I will call around and find a service or doc that is cheaper. WHICH IS AS IT SHOULD BE. Someone down the road doing MRIs for $1000 over elsewhere SHOULD be hurt by the marketplace. Under insurance they are not, no one cares what they charge your insurance company, and it’s a soviet style economy.

I highly recommend at least checking out Liberty Health Share. I learned about it on FR and I am paying it forward. So glad to be out of Obama’s little system. Oh yeah, and it is exempt from tax penalty!!!