It’s that time of year again… No, not when the days get shorter (ok, they are). No, not when the weather gets colder (ok, it is). No, not when the stores start putting out the Christmas decorations even earlier this year (and yes, they are).
It’s time to sign up for health insurance. In past years, it’s been easy. I just looked at the options my hospital gave me, made sure I didn’t pick the stupid choices, and *boom*, I was done.
When I got terminated at work due to the disability in February, I had to venture into the marketplace to find my own health insurance. It was a bit stressful, but it was a lot cheaper than paying COBRA costs, and it was accomplished without tearing out my hair.
It’s actually been more stressful having the insurance, because no one seems to understand that it’s individual insurance (not group insurance), so they send the bills to the wrong address (despite the correct address being right there on my card), the insco says, “We’ve never heard of her. DENIED!” and then whoever tries to bill me for the entire amount. Pretty much every single medical bill since February.
I figured it might not be too bad to renew my health insurance today. Just check the marketplace to be sure that nothing much had changed and proceed.
But wait… My state no longer offers any Platinum plans. None. Zip. Zero. Zilch.
The next best option is the Gold plan, with my same insco (because none of the others cover my main docs), which is almost exactly the same plan as I have now for exactly (to the PENNY) premium every month.
With one small exception.
My deductible goes from $750 to $1000. And my out-of-pocket maximum goes from $1500 to $6850.
Yes. For no savings in the monthly premium, my deductible increases by 1/3 and my out-of-pocket increases by over 350%. I hit that $1500 pretty fast this year, too. Not looking forward to next year.