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chrisinhouston · 11-06-2015, 10:00 PM

My biggest complaint is not with the ACA but the fact that it did not change our model for access to healthcare, your job. No other nation on earth uses this outdated model that is based on a time when companies used health care as a perk for your job and labor unions bargained for it. That was fine when most of the population worked jobs with the same company for many years and then retired which isn't how it is now.

We just got the new information on the NEW plan for next year at my wife's company. Last year we had a plan with BCBS and it was pretty good. The annual per person deductible was $1200 and was the out of pocket expenses. After you reached that you had 100% covered. Our Dr. copays were $35 for a primary and $45 for a specialist. Our prescription copay had 4 tiers, $0, $15, $35, $75.

The new plan sucks. We have a $1500 annual per person deductible, $3800 out of pocket and then an 80-20% payment coverage, they pay 80% and we pay the other 20%. The Dr. payments each went up $10 and the prescriptions went up as well. And while it is still costing about the same we are getting less. My wife pays $1000 per month pre-tax and her employer kicks in an extra $500 per month. Because it is a small company with a mix of ages for the workers they have an age based plan meaning the older workers pay more for insurance than the younger ones. Only about 1/3 of the workers there even get the insurance, the rest get a better deal through their spouses or from former employers who gave them an early retirement package so the pool is small which further increases the costs.

My wife could probably go on Medicare as she is 65 and just get a supplemental policy but I would have to find my own insurance and the costs are even higher that way.

11-06-2015, 10:00 PM	#19
chrisinhouston Professor Join Date: Sep 2001 Location: Houston TX Posts: 1,857	My biggest complaint is not with the ACA but the fact that it did not change our model for access to healthcare, your job. No other nation on earth uses this outdated model that is based on a time when companies used health care as a perk for your job and labor unions bargained for it. That was fine when most of the population worked jobs with the same company for many years and then retired which isn't how it is now. We just got the new information on the NEW plan for next year at my wife's company. Last year we had a plan with BCBS and it was pretty good. The annual per person deductible was $1200 and was the out of pocket expenses. After you reached that you had 100% covered. Our Dr. copays were $35 for a primary and $45 for a specialist. Our prescription copay had 4 tiers, $0, $15, $35, $75. The new plan sucks. We have a $1500 annual per person deductible, $3800 out of pocket and then an 80-20% payment coverage, they pay 80% and we pay the other 20%. The Dr. payments each went up $10 and the prescriptions went up as well. And while it is still costing about the same we are getting less. My wife pays $1000 per month pre-tax and her employer kicks in an extra $500 per month. Because it is a small company with a mix of ages for the workers they have an age based plan meaning the older workers pay more for insurance than the younger ones. Only about 1/3 of the workers there even get the insurance, the rest get a better deal through their spouses or from former employers who gave them an early retirement package so the pool is small which further increases the costs. My wife could probably go on Medicare as she is 65 and just get a supplemental policy but I would have to find my own insurance and the costs are even higher that way.