2 ms·
What's apples to oranges, exactly? For my hypothetical family with the ages I listed, insurance cost about doubled in the last two years in the state of Maryla
by bzbarsky 10y ago
What's apples to oranges, exactly?
For my hypothetical family with the ages I listed, insurance cost about doubled in the last two years in the state of Maryland for an equivalent (PPO) plan. Deductibles also rose significantly. I know a specific family like that, and they are _very_ unhappy about it.
> but frankly the tiny minority that where negatively affected don't really care about the new premiums either
Really? You think people don't care about $25k/year in premiums instead of $12k/year in premiums?
What makes you think this is a tiny minority? What I listed is a basic baby boomer family with one child still in college.
> The net gains and losses depended significantly on age.
Sure. I'm aware of all that. The upshot of the ACA is that people with preexisting conditions are _much_ better off (which is good), but people who are relatively healthy, independent of age, are generally worse off. This is almost a tautology, of course.
I should note that the price cited at your link is way too low for the states I know of, in the "64" age range, assuming you want a PPO. For an HMO, it's perhaps doable.
- Retric 10y agoWhat's apples to oranges, exactly? (single vs. family) also (HSAs 'high deductible' vs. actual high deductible). HSAs are from 2003 and it's overloading a reasonable definition with a new a silly one. You can see people in the mid 90's talking about high deductible and meaning something very different. ACA also capped out of pocket so you need to compare everything about a plan not just it's deductible. PS: Find me a family plan with a 50k deductible under ACA. They used to exist.
- bzbarsky 10y agoThat's fair. I agree there is nothing like that on the market now; instead we have plans with $25k premiums and $14k out of pocket maximums. Which is less than $50k, sure, but not by much, and is a _guaranteed_ $25k cost... We may be violently agreeing here. ;)