tag:blogger.com,1999:blog-7162206974728931335.post1068250144277996551..comments2024-03-28T08:20:11.686-05:00Comments on Daughter Number Three: High Deductible Plans: Bad PolicyDaughter Number Threehttp://www.blogger.com/profile/08171356533232458827noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-7162206974728931335.post-68053650789126834342016-02-10T16:27:48.908-06:002016-02-10T16:27:48.908-06:00The high deductible plans were designed for younge...The high deductible plans were designed for younger, healthier people who statistically would not need extensive coverage. It used to be that younger, healthier people paid the same as everyone else. <br /><br />If I had wanted to keep the same coverage I had last year, which was excellent (no deductible, $2500 out of pocket, all my drugs except one on formulary and all my docs and hospitals in network) I would have had to pay $1000 per month premium which is $12000 per year + 2500 = $14500 total cost, and since BCBS was not enrolling the plan in MNSure again, I would not be able to get subsidy help for it. I am single, no dependents. The year before my total was around $8400. The year before that it was around $8400. Now the insurers have figured out how to use ACA for their own profit, so it's failed in that regard. The insurers are not the insureds' friends and they do not have our best interests in mind. Ginahttps://www.blogger.com/profile/14661278900773185119noreply@blogger.com