General Discussion

haele

(12,628 posts)

44. My premium is going down, but the deductible is going up.

Sun Dec 30, 2012, 09:55 PM

Dec 2012

They're changing from a straight PPO ot one of those "Consumer choice" ppos with an HSA associated with it. They're expecting everyone in the company to "just choose the right lifestyle and get healthy" - which they will pay for, but for people that already have chronic issues and disabilities, it become a drain on the paycheck.

Primary care doctor's visits are less, but specialists are more. Annual "Preventative" lab work is less, but diagnostic labs and other tests are more expensive.
Prescription medicines are going up.

As I said - if you're healthy, it's great. Unfortunately, if you're older or have an issue that may or may not be a "lifestyle choice" type of chronic problem.

This is supposed to be cheaper for the company as well as meeting the requirements of the ACA. The free market speaks.

I can't wait to be eligible for TriCare Prime - seven more years.

Haele

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44 replies

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My health insurance premium is going down $100/month next year. [View all] Bette Noir Dec 2012 OP

Mine is going up! PasadenaTrudy Dec 2012 #1

Have you gotten any info on what will happen in 2014? flamingdem Dec 2012 #7

No, just hoping PasadenaTrudy Dec 2012 #18

Mine will be skyrocketing latebloomer Dec 2012 #2

It hasn't kicked in yet n/t PasadenaTrudy Dec 2012 #23

We are now paying the last 2 years $3000 a month. It did NOT go up last 2 years, thanks to the Pres. graham4anything Dec 2012 #31

Ours went up a little but covers much less. Nt daa Dec 2012 #3

Same here ... etherealtruth Dec 2012 #19

Agree. Nt daa Dec 2012 #20

What other provisions of your coverage will change? slackmaster Dec 2012 #4

No insurance for us antiquie Dec 2012 #5

Can you explain how California being broke impacts insurance here? flamingdem Dec 2012 #8

I am only aware of my personal situation. antiquie Dec 2012 #10

P.S. antiquie Dec 2012 #11

my mother-in-law was told something similar renate Dec 2012 #37

Agree. antiquie Dec 2012 #38

Learn to hide Money like Romney does. nt shintao Dec 2012 #21

What does CA being broke have to do w/you not being able to afford ins.? Honeycombe8 Dec 2012 #35

Glad you are covered. antiquie Dec 2012 #39

You said you don't have ins. in part because CA is broke. Honeycombe8 Dec 2012 #41

It had to do with Medicaid or MediCAL antiquie Dec 2012 #42

I see. Medicaid isn't insurance...and MediCal must be something unique to CA. We don't have that.nt Honeycombe8 Dec 2012 #43

Mine is going up. Again. nt LWolf Dec 2012 #6

Donate that $100 to someone who can't afford insurance n/t leftstreet Dec 2012 #9

Good for you. Mine went up. NV Whino Dec 2012 #12

FYI, 2014 is when it kicks in. nt Lex Dec 2012 #24

2014 is when some of it kicks in NV Whino Dec 2012 #28

It's when the part you were talking about kicks in. nt Lex Dec 2012 #33

Sorry, still not much there that affects me NV Whino Dec 2012 #34

Since it hasn't begun it's impossible to say Lex Dec 2012 #40

Higher premiums and lower coverage. I do not blame Obama. davsand Dec 2012 #13

Obamacare hasn't kicked in yet, that's in 2014 n/t flamingdem Dec 2012 #14

Is that for certain? Obamacare starts in 2014 flamingdem Dec 2012 #15

Provisions of the ACA started kicking in a couple of years ago. Honeycombe8 Dec 2012 #27

Its easy, embrace Socialism for National Security issues shintao Dec 2012 #22

Well, the country HAS made the ins. cos. cover some things they didn't before, so premiums will Honeycombe8 Dec 2012 #25

I agree. And the competitive pressure of the Exchanges will help in 2014. Hoyt Dec 2012 #32

LOL Scurrilous Dec 2012 #16

That is always good news. TheKentuckian Dec 2012 #17

mine went up a dollar notadmblnd Dec 2012 #26

Mine goes up 22% Turbineguy Dec 2012 #29

You're a woman with an individual policy, right? lumberjack_jeff Dec 2012 #30

Ours went up less than in previous years union_maid Dec 2012 #36

My premium is going down, but the deductible is going up. haele Dec 2012 #44