Stupid Question about Healthcare.gov

[CC27]

aroach (209 posts)

Stupid Question about Healthcare.gov


Sorry for this post but I need an answer ASAP.

I filled out the application and am at the point where I have to choose a plan and enroll. I don't know if the premiums quoted me are for my "group" or for each person. My group is myself and my two children. If the premium is per person I can't afford any of the policies but if it is for the group I can perhaps even afford one of the silver policies.

I don't want to click "Enroll" only to find out I've committed to spending half our income on insurance premiums so I'm just sitting here doing nothing watching time run out. And, no, I couldn't find the answer on their site.

Only thing stupid is you for voting for people who made this happen.

http://www.democraticunderground.com/10025966050

[DLR Pyro]

[J P Sousa]

I wonder how many actually get to the DEDUCTIBLE cost ($5,000 +). 

[Texacon]

Eatacig (62 posts)

4. Questions

Call them. I called them 3 times and they answered right away. My husband and I are 62 and lost our jobs. I got a silver plan with no deductible for $363 a month. Our cobra was $765. We are so happy with the way this turned out. 

Do any of those plans have ZERO deductible?  If so, I guess we're subsidizing those as well.  ARGH!!

KC

[CC27]

Do any of those plans have ZERO deductible?  If so, I guess we're subsidizing those as well.  ARGH!!

KC

I'm guessing the deductible is at least 2,000.

[J P Sousa]

From Marketwatch;

  Zero-deductible plans are most common at the platinum level, the highest tier of coverage. Some 41% of platinum plans charge no deductible, according to an analysis by HealthPocket of the plans offered in 34 of the 36 states that sell plans on HealthCare.gov. In contrast, only 6% of gold plans and 3% of silver plans have no deductible, and the option is available with few if any bronze-level plans.   

http://www.marketwatch.com/story/the-high-cost-of-low-deductible-health-plans-2013-12-18

Of course, no deductible carry HEAVY premiums.

[Karin]

Eatacig (62 posts)

4. Questions

Call them. I called them 3 times and they answered right away. My husband and I are 62 and lost our jobs. I got a silver plan with no deductible for $363 a month.

Dear Eatadick:

You are lying and you know it.   

[DLR Pyro]

I'm guessing the deductible is at least 2,000.

so much for the "affordable" part of the affordable care act...

[DumbAss Tanker]

Anything that involves 'No deductible' is going to also involve an extremely restrictive network of approved providers.  The lower the premiums, the tinier the network.