General Discussion
In reply to the discussion: Aetna will drop out of health insurance exchanges if they are not profitable enough [View all]in 2012 around March, I looked all over for new insurance
self employed, family plan paying aetna $2960 a month with a 50/50 deductible
2013 they wanted $3100
2012-looked all over, NONE were available in 2012 that didn't exclude prior illness so that let us out
looked this year, most were NOT available, but Horizon was.
2013 1500approx. a month, NO exemptions, NO lifetime cap and it's 70/30 after deductible with same dollar amount.
Out of pocket just on premium savings of $19,000plus plus if we are ill, we have more savings out of pocket from the 70/30 instead of 50/50 til the amount is made.
At which point 100% is covered.
All our current doctors are covered on new plan, and we don't have to use their doctors,but their doctors are included anyhow as are all the hospitals and specialists around here.
And this includes the hospital stay I had a year ago and the reasons for it.
it indeed is a straight out of pocket savings of more than $19000.
Yes, it is still expensive, but one must have insurance.
and there were even cheaper plans if one wanted a full hmo type plan, again, last year we didn't qualify, this year we did.
Because the smart companies are complying and doing so earlier.