ACA insurance. what you need to know about forced shit insurance

[davekriss]

38. Too Bad for You

My ACA plan is MUCH different than yours. Reside in a heavy Red state, do ya'?

100% of charges incurred in 1 calendar year are subject to deductible and copay. My deductible and copay, though large, is much less than yours (I chose a good silver plan).

If I fall incredibly ill in 2014 and run up, say, $500,000 in bills for services rendered in 2014, I pay $1500 deductible plus another $1500 coinsurance period. I pay $3,000, my insurance pays $497,000 or whatever they can negotiate with the provider.

Now, if in 2015 the hospital goes oops, we forgot to bill and additional $100,000 for services rendered in 2014, I pay zero while my insurance pays $100,000. If any of those services were provided in 2015, payment for those services are subject to the 2015 deductible and coinsurance.

Too bad you have such a sh*tty plan. However, if you read its language more closely I think you'll be pleasantly surprised. You are simply wrong.