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Discussion Starter · #1 ·
Just for curiosity's sake, I decided to plug in my info on the Nevada state exchange for health insurance. I can't say I was surprised at the monthly cost since it falls in line with what my unsubsidized COBRA premium would be if I were unemployed.

I'm 33, male, single, non-smoker.

On the low end, my cheapest premium would be:

$171/mo
$6250 deductible, no prescription coverage, no office visit or specialist coverage, no dental or vision.

On the high end, my "Gold" plan is:
$355/mo
$750 deductible
$15/prescriptions w/ 0% coinsurance after deductible is met
$30 office visit
no specialist coverage
Dental and Vision not included.

I can't say that premium was as horrible as I thought they would be. I'm sure if I had dependents or was older the premiums would be considerably more expensive.

So what would your premiums be?
 

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So what if you need a specialist? OB/GYNs are specialists right? Women need them at least once a year. Most people with pre-existing conditions needs specialists. I thought this was supposed to take care of them??
 

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Almost $600 per month for me and my wife. Which means we aren't going to be getting it anytime soon. All of our extra income has been going towards fertility treatments. With no success so far, it's looking like In Vitro fertilization is our only option. We would never be able to save the approximately $17,000 needed for this procedure if we were buying insurance every month. Insurance that will pay for an abortion, but won't throw one single cent at fertility treatments. Yes, I understand why insurance companies operate that way, but I don't have to like it.
 

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Almost $600 per month for me and my wife. Which means we aren't going to be getting it anytime soon. All of our extra income has been going towards fertility treatments. With no success so far, it's looking like In Vitro fertilization is our only option. We would never be able to save the approximately $17,000 needed for this procedure if we were buying insurance every month. Insurance that will pay for an abortion, but won't throw one single cent at fertility treatments. Yes, I understand why insurance companies operate that way, but I don't have to like it.
Much cheaper in Mexico. I have a friend that did that said they were very good. No issues at all.
 

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My gold plan was $1500 a month for a family of 4, with a $2,000 deductible. Cheapest plan was $850 per month with a $10,000 deductible.

Sent from my HTC One using Ohub Campfire mobile app
 

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Haven't bothered to look. No plans to do so.

I plan to keep my existing plan for as long as I can continue to afford it. (Approx $1300/mo, but with outstanding coverage, choice of any doctors & specialists, no waiting, very reasonable co-pays, etc)

Will having an affordable monthly premium, but huge deductibles, still get some folks heavily into debt in some circumstances? Who's going to absorb those costs? Time will tell, I suppose.
 

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Discussion Starter · #8 ·
Haven't bothered to look. No plans to do so.

I plan to keep my existing plan for as long as I can continue to afford it. (Approx $1300/mo, but with outstanding coverage, choice of any doctors & specialists, no waiting, very reasonable co-pays, etc)

Will having an affordable monthly premium, but huge deductibles, still get some folks heavily into debt in some circumstances? Who's going to absorb those costs? Time will tell, I suppose.
That's exactly my point. My employer's plan went from a regular PPO to a high-deductible plan and they created a HSA account for us, which the employer contributes to and I also make a monthly contribution from my salary. I thought it was bad when my deductible became $1900, but when my employer deposited $1100 and has added another $700 each year since, I'm ok with it. I also save another $600/year myself.

The cheapest plan I qualified for was still 4 times my current premium and the deductible was almost 3.5x my current deductible.

How is that "affordable"?
 

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The cheapest plan I qualified for was still 4 times my current premium and the deductible was almost 3.5x my current deductible.

How is that "affordable"?
I suspect "affordable" is going to be within the eye ... and wallet ... of the beholder. I won't be at all surprised if the "projections" of tax impacts on taxpayers doesn't exactly unfold according to the the brochure. :whistling:

I suspect we'll see the true eventual "cost" - and effectiveness - of this new healthcare reform revealed as people actually need it for more than routine checkups, wellness visits and everyday lumps, bumps, bruises, sprains, broken bones & cold/flu complaints.

It will also remain to be seen how the costs will be supported if a significant number of younger voters aren't inclined to participate.
 

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I'm still trying to get a login so I can price it all out. They obviously didn't hire any top shelf talent to put their website and servers together....
 

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They won't give me a price because of my age!! :shocked:

I do know that with what the government takes for medicare and my medicare supplement will take over 40% of my social security. Since what I had set aside for retirement was wiped out by unccovered medical bills when my wife passed, I will keep on working.

Retirement is great. I am not feeling sorry for myself. That is just the way things work out sometimes. I owe, I owe, so off to work I go.
 

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Discussion Starter · #13 ·
No specialists? Sounds like you need a good Proctologist for sure using Obummer Care.
No s-...crap. Wait, did I make a funny? LOL

That's going to be one of the big problems is that nobody is going to get to see a specialist on these plans. The top tier specialists in their field are going to want to be paid more than these plans are going to want to pay, so the patients will have to be either cash pay or go without. So where is the savings?
 
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