I broker health insurance benefits here in Colorado. The increased cost of health care here will be extreme. My current plan will have to move to an ObamaCare Metal plan.
I pay just over $800 for a great family HSA PPO plan. Running quotes for my family now, I can move to an Anthem HMO HSA plan with almost double the deductible ($11,000) for over $1100 per month. If I try to find a plan closer to my current deductible, I would pay $1733 per month. Wow… what a deal.
If you want to talk about subsidies for those under 400% of poverty???? A client making $42K per year will be eligible for a “Silver” plan HSA for a subsidized premium of $320. His current plan is just $275. I can go on and on..
Those folks currently on ANTHEM Plans will be forced to HMO products with smaller doctor and hospital networks. Right now most of these folks have co-pays to see specialists. (endocrinologists, surgeons, cardiac, dermatologists etc…)Under ObamaCare, my Anthem clients can get a referral to go to those doctors if they are in the smaller networks BUT- there is no co-pay…. It’s all deductible.
One point Obama tried to make is the new healthcare had to provide 100% coverage for annual physicals. “People won’t go to get their physicals if they have to pay $30 co-pays.” So why would you think they will go have a mole checked, their heart checked etc. if they have to pay high deductibles rather than their previous co-pay?
This law is a giant joke. It’s strictly redistribution of wealth.
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