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