Thursday, December 11, 2014

Obamacare Supporter Admits It Has Made Her Worse Off

And amazingly enough, "I'm an Obama supporter.  But Obamacare has hurt my family." appeared in the 12/10/14 Washington Post.
The transition to Obamacare – at least for a 59-year-old man and a 56-year-old woman in south Orange County – wouldn’t be quite that bad. But it would be, in three big ways, far rougher and more frustrating than I’d ever dreamed.

1 comment:

asdf said...

I read the article this morning. I'm a little surprised. First:

"In 2014, Jim was individually paying $82 more a month in premiums. The deductible (the amount you have to pay before the insurance company starts footing the bill) did go down — from $5,000 to $2,000 for each individual insured. But if you added together 12 months of premiums, the deductible, and the new policies’ out-of-pocket maximums, we were potentially on the hook for $13,260 — rather than the $11,024 from 2013 — if Jim got very sick."

Those numbers don't add up. In a bad year, he is paying $984 (=12 x $82) more in premiums, but saves $3,000 (=$5,000 - $2,000) in deductibles. Unless the max out of pocket is wildly askew (which the author doesn't mention) this looks like a saving.

And then this: "Tallying his medical costs, Jim said, “I take back what I said. Obamacare did help me get better.”

The rest of the complaints are technological matters that should improve in time.