Post # 1
(for United States bees; sorry everyone else!)
I know I made a similar post recently, but I can’t help but wondering if other people are thinking about how this will make a difference for them personally. As I research the costs of having a baby, it not only horrifies me how much it costs (7-10k for an uncomplicated hospital birth, and easily +40k for complications, even something like a c-section!) but also how you basically can’t buy insurance to cover a pregnancy anytime after you’ve conceived. (I mean, I guess I *understand* it, I just think it stinks.)
But starting January 1, 2014, when we’re all already going to be forced to buy health insurance, AND pregnancy won’t be excluded, no one really has to worry about being hit with a $40,000 bill, right?
Is there going to be another baby boom come January?!
Post # 3
I think responsible people only have children when they can afford them, and irresponsible people have them whenever. The responsible people in this case most likely won’t be relying on health insurance they don’t have, and irresponsible people will not think about it. So no, I don’t think there will be a boom.
Post # 4
- Wedding: August 2013 - The Liberty House
I wasn’t planning on TTC for another few years anyway, so this won’t make a difference for me. I can see how it might for some people though!
Post # 5
This doesn’t make a difference for me because we aren’t planning a baby until I am out of grad school. I also already have health insurance, so the birth would be covered anyway.
I do have a friend who is considering having her second child soon because of this reason!
Post # 6
@peachacid: I hope you’re not implying I’m not responsible. I didn’t originally feel like giving background, but I guess I will now. H has a great job with excellent health insurance right now, but his company is in the process of being sold, and he has no idea what will happen come the end of summer. While between the two of us, we have several part-time jobs with significant income, and plenty of money in the bank, none of them would provide health insurance (and I don’t really feel like using up most of our savings with a 40k hospital bill). But with this recent realization of mine that whether or not he loses his job, we won’t have to worry about whether we will have health insurance anymore starting in January, is at least for me, making getting pregnant right now seem like not such a big deal. (He still needs some convincing…)
And I’m not sure what you mean by “responsible people won’t rely on health insurance they dont have.” Um, actually, I’m quite sure that they WILL. Responsible people should make sure that they HAVE health insurance, in order to avoid being hit with a (like I keep saying) emergency 40k bill.
Post # 7
No, health care reform won’t affect my pregnancy plans. I have health insurance, so prenatal care, labor and delivery are fully covered by my insurance.
Post # 8
I think having health insurance will allow people to responsibly plan for pre-natal care and birth. Like you, many people don’t have health insurance because it’s not offered through their emploteer and mostly cost prohibitive on its own. I don’t imagine there will be a baby boom but who knows. At least the babies will be insured and have helath care from birth so hopefully they don’t have to think about this same issue in the future.
Post # 9
@red_rose: I didn’t read too much into the bill, but is it going to raise our taxes? Or raise our insurance in general? I feel that if people have to pour more out of their pocket, it may make them think twice?
Post # 10
I think the fact that pre-exisiting conditions will now be covered when you change providers will have some impact. For planners like me, the worry that you might need to change jobs and providers, is enough to avoid getting pregnant — at least now there is one less thing to worry about. It will make it easier for my husband and I to decide to go for it (if we ever do decide to go for it).
Post # 11
Nope. Already had health insurance.
Post # 12
I just want to make sure the OP knows that a person with preexisting conditions (like pregnancy) will be able to BUY insurance Jan.14, not that she will automatically be insured. You will still need to find a plan and pay for that plan and any out of pocket expenses that come with that plan. It should be easier to find a plan through the marketplace (i think that’s what they ended up calling it) – but how expensive it will be is anyone’s guess right now, probably similar to the cost of buying individual health insurance now, when you are not pregnant, and therefore, have no preexisting condition (I do know many states have pregnancy riders that make this cost prohibitive, so if that’s why you are waiting for the ACA to start to buy individual insurance, then your plan makes sense but it may still be very expensive)
Post # 14
Just because you have health insurance doesn’t mean that you wouldn’t be hit with a big bill. HDHP’s have a max out of pocket of $6250 this year, and a min deductible of $2500. It’s not $40,000, but it is pretty hefty.
Post # 16
We paid the 3800 out of pocket to my prenatal, birth, & postnatal care through MW this last time around so these changes don’t mean much for us….
And since there are no current coverage changes for Homebirths the reform has no merit on us having children.