3 ms·
this sort of thing makes me glad I don't need to purchase private health insurance Are you in the USA? Thanks to Obamacare your medical history doesn't matter
by PhantomGremlin 12y ago
this sort of thing makes me glad I don't need to purchase private health insurance
Are you in the USA? Thanks to Obamacare your medical history doesn't matter anymore. I purchase my own insurance and only three things matter:
your age
your gender
the type of coverage (bronze, silver, gold, etc)
It doesn't even matter whether you're single or married or have kids. My family policy cost is exactly the sum of:
my policy cost based on age and gender
my wife's policy cost based on age and gender
each of my children's policy costs (I don't
remember if age or gender matter, I don't think
they do)
I generally don't like the idea of Obamacare, but in this case it did a lot of good. Before Obamacare, insurance companies went out of their way to simply not offer private coverage at all to people with any medical issues, even minor ones. They can't do that anymore.
- maxerickson 12y agoThey actually can't charge different premiums based on gender (this rule took effect in 2014). They can charge tobacco users higher premiums in many states (there is a federal limit of 50% more, but states can impose a lower limit, and some do).