Post # 1
For some reason I thought I wouldn’t really be affected by this, because I already have health insurance… color me ignorant! I just found out that the “comparable plan” that they will roll me over to costs twice as much money, raises my deductible, and doubles my co-pay. I’m self employed and this is an individual coverage plan I’ve been paying for on my own for the last 2 years. Is anybody else getting kind of screwed like this? I checked the coverage website and it’s still my cheapest option available.
The increase in premiums is going to affect saving for our wedding I’m tempted to just go to the courthouse so that I can get on FI’s plan, but I just can’t bring myself to do it. I feel like it would ruin the emotional aspect of our ceremony, and I’d hate to lie to everybody (and myself) about it for a whole year.
Post # 3
It was like that for us too. We both get insurance through the ministry we work for, but our premiums each month are $750. Our deductible is $3,500. It’s ridiculous!
Post # 4
@LVoeBride: Does your FI’s employer cover domestic partners? You get taxed on the benefit because you aren’t married yet, but it would still be cheaper I bet.
Post # 5
I’m not American, but I was just in Houston for work and talked to some Americans about this. It seems like everyone with good jobs is getting screwed over because now they have to pay for all the poor people who didn’t have health care before. It sucks!
Post # 6
@LVoeBride: Because the website still stinks, there are plans in congress to remove the provisions that make your plan “not acceptable” so you may get to keep it for another year.
My sister is in the same boat as you. She stopped consulting and took a “regular” job with benefits because she couldn’t afford it anymore.
Post # 7
Look into short-term health care plans. There are like five or six states (including NJ and NY *sigh*) that outlaw it for some dumb reason. If you’re not in one of those states, get a short-term plan that ends in 12 months. Then go on your husband’s plan.
Post # 8
Thats how it was for my parent’s insurance (I was on their policy until the wedding)… And that is how our insurance is too… I think our deductable might be more than $3500. :/
Post # 9
@KitKatNYC: Some domestic partnership coverages have a clause for people who can legally get married in their state.
My old employer only considered you a domestic partner if you could NOT get legally married in your state of residence. My current employer let’s you sign the paperwork as long as it is a “marriage-like” relationship. (you plan to be together for life and live together)
Post # 10
@KitKatNYC: Unfortunately they don’t (and sort of weird too for a Seattle based company, we’re generally pretty progressive!).
I suppose I’m just going to suck it up and pay the extra money until we get married but I’m pretty pizzed about it and I just had to vent & feel like I wasn’t alone on this.
Post # 11
We are also self employed (well, we will be in the new year) and I’m dreading the costs. It’s going to be more than our rent. But we want to TTC so we have to get one of the higher level plans. I’m trying not to think about it right now because I’m frankly scared about the cost. We’re even probably going to do a homebirth, but I need good insurance just in case.
The thing is though, at least I CAN buy a plan with maternity coverage. The maternity coverage rules for individuals right now are totally insane.
Luckily, Darling Husband will be back in school around the fall so we can drop it then and use his University plan.
Post # 12
My parents lost coverage because their insurance dropped their plan since it lacked maternity care. My mother is 58 and had a hysterectomy 18 years ago, she doesn’t need maternity care, but that meant they needed new coverage, they will pay more $ for less coverage.
Post # 13
I was really dissappointed too when I saw the rates. I am self employed, and my insurance premiums will double, copays triple, and deductible is outrageous.
I wish it was designed a little more fairly, I understand paying more because i make more money, but now insurance is unattainable until I am married.
Post # 14
I am a huge Obama supporter, and I am also very disappointed. My mom who is 64 needs insurance. She makes 2K over the amount to get any assistance, and the cheapest plan on the exchange for her is $760 a month.
@Pinkmoon: everyone should be able to get health care, even “poor” people. Healthcare in the US is a for profit business, and that’s not the way it should be. THAT is the problem, not poor people. I have a real problem with people talking crap about poor people, and they are not the reason the prices are high. The insurance companies are the reason the prices are high.
Post # 15
@Mrs.LemonDrop: Gosh I’m really sorry both you and Darling Husband are in the same position, that’s rough. I feel lucky that at least my Fiance has solid coverage from his corporate job.
@cora_123: I think it’s really stupid that maternity coverage is forced! I hope that they figure out a way to revise some of these rules, since health care needs are clearly not one size fits all.
I have a feeling that’s why my price is increasing so much, I don’t have maternity on my current plan. I just looked it up though and it’s a total joke, there is a cost breakdown of “having a baby” on the website, and since the deductible is so high ($6000), the insurance really only covers like $40 of “what it costs to have a baby”. Ummm, no thanks! I’d rather not double my monthly premium just to save $40, LOL. Looks like eye exams/benefits are getting nixed too.
Post # 16
I’m really confused about why the US has such a complicated health system. It sucks that so many people are experiencing negative issues with something that is supposed to be progressive. I’ve heard nothing but bad things!
I figured your system would be similar to the NHS or Canada’s provincial health care that’s universal. My cousins who live in NY, NJ and FL are all complaining about Obamacare, and oddly enough, they pay similar % of taxes as we do in my highly taxed Canadian province. I can’t imagine paying more than my regular taxes for health insurance.
OP, a lot of people are in your shoes. I hope something changes so you don’t have to carry an even more expensive burden!