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DebJ

(7,699 posts)
Sat Jan 18, 2014, 12:41 PM Jan 2014

On try 13, my sister got coverage through healthcare.gov. Good deal!

My sister in Illinois got a good deal, I think, on her health care. But she doesn't see that
yet; she is still so annoyed by the ten weeks and 13 attempts to get the coverage,
and also, she is still shocked by how much health care insurance is, since for decades
her husband's employer covered it...she was unaware of the real costs.

Last year, they paid $484 a month for Cobra coverage for her husband only and she and her son had no coverage.
(She injured her ankle in late October and has yet to see a doctor for it. I hope she didn't suffer permanent
damage due to the wait.)

Now, for $543 a month all three of them have 80/20 coverage.
So for $59 a month more, both her and her son were added.
Since her son is 22 now the ACA also allowed her to add her son versus him getting a separate policy,
and for 80/20 coverage for himself i'm sure that would have been more than $59 a month (or $30 his half of the cost).
The feds are paying $843 a month in subsidies, or over $10,000 a year for them.
Her main concern is the $3000 per person deductible. That's better than a family
deductible of $9000 though, right?

All she can see is that health care isn't affordable, sorry to say. I'm just IMd her
my synopsis above maybe she'll see she is better off after the irritation wears down.

3 replies = new reply since forum marked as read
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On try 13, my sister got coverage through healthcare.gov. Good deal! (Original Post) DebJ Jan 2014 OP
Hooray! shenmue Jan 2014 #1
Yes, indeed, your sister & her family got a great deal. I'm lucky that my insurance sueh Jan 2014 #2
My husband and I have no deductibles and 100% coinsurance but the cost? DebJ Jan 2014 #3

sueh

(1,824 posts)
2. Yes, indeed, your sister & her family got a great deal. I'm lucky that my insurance
Sun Jan 19, 2014, 02:44 AM
Jan 2014

is employer-based, but I still have a deductible and co-pays. In fact, among the people I know who have health insurance, all of them have deductibles. We need single payer and NO deductibles, no co-pays.

DebJ

(7,699 posts)
3. My husband and I have no deductibles and 100% coinsurance but the cost?
Sun Jan 19, 2014, 10:57 AM
Jan 2014

$1525 a month for two of us. With his health conditions: chronic kidney disease stage 3 almost 4, heart disease
including stents, inoperable blockages and part of his heart died with a heart attack 20 years ago, and diabetes
(and complications with feet from it), we need that 100% coinsurance. We are very lucky to have that, I know.

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