Still wondering how many who comment here give this a pass because, "Obama". You know, the liar.

Our country is about to enter another war. A war that that could last generations. A war that will be very expensive.

We cannot afford such a war and entitlements out the wazoo. That bubble will burst, and it won't be pretty.

Have any of you actually looked at the insurance under o-care? I'm a contractor so I have and it is insane.

I tried to act responsibly and actually purchased some last year. They quoted me ~$1.5k/mo after subsidies with a $13k deductible HMO plan. They have billed my anywhere from $250/mo to $700/mo. Yes it changes. I don't know what it will be till the bill comes in.

Recently my wife got pregnant. So we tried to find a doctor that the insurance covers. After slogging though over 30 doctors the insurance website claims will take it, but ha ha no they don't, we have given up. We will just pay cash and move on. I don't know what my bill will be next year and I don't know that I can actually use the insurance if I need to. So I'm half thinking of canceling and just going uninsured.

Thanks Obama.

Of course anyone that wasn't ideologically blinded, who understand basic math and logic, aren't the least bit surprised.

Recently my wife got pregnant. So we tried to find a doctor that the insurance covers. After slogging though over 30 doctors the insurance website claims will take it, but ha ha no they don't, we have given up. We will just pay cash and move on. I don't know what my bill will be next year and I don't know that I can actually use the insurance if I need to. So I'm half thinking of canceling and just going uninsured.

Thanks Obama.

Posted by: Ben at September 18, 2014 2:52 PM

I think that is the better choice. You can negotiate the Dr's and hospital bill up front.

I had a friend who is uninsured. He had an emergency appendectomy last year. His bill was 17000 bucks which is less than 2 years of Obamacare premiums.

When insurance is less good than cash, you need to let it go.

Wow, that's very pricey Ben! How many people is that covering and at what "metal" plan? Just curious. As a family of 5, soon to be 6, we pay $1200 a month (which includes overpriced, worthless pediatric dental plans for the kids as required) for a no deductible gold plan HMO with no subsidies. With our income we wouldn't qualify for a subsidy until we became a family of 8 or more it looks like. Anyway, we continued with our HMO I'd had before I lost my job because we were already established there and didn't have to try to find new doctors. It also ended up being generally cheaper with our out of pocket costs with how they structured copays, drug coverages, etc., although ultimately the max out of pocket (which never includes prescriptions and you'd pay out the ass for o. Other plans) ends up being the same. We contemplated switching to another insurance company and considered two. I wasn't able to find any pediatricians or primary care doctors accepting new patients that were listed as taking the plan. They were already full and apparently forced to accept Medicaid patients before non-Medicaid insured. We also discovered that the prescriptions I took (one of which there is no other alternative) were only covered up to 50% if at all. They were covered at the HMO.

Ben, if your wife is low risk, she can use a midwife and birthing center for much less than a doctor and hospital.

Busy week: I adore this blog post for the title alone.

BunnyGirl,

That is a bronze plan. I'm ok with a high deductible so that is where I started. With prices that high I didn't even ask about silver or gold. The quote was for two people (one male, one female, no smokers, early 30s). We have added a newborn. So that is a good reason for the price going up, but doesn't explain why it sometimes went down. Also the timing of the increases don't match the timing for adding the kid. But hey, who knows?

My wife could use a midwife and a birthing center, but we haven't gotten organized that way. A doctor and hospital will cost ~$6k-$7k after it is all said and done. That is what the first kid cost. Which incidentally had to be cash. Obamacare actually made it illegal for individual insurance to cover births in Texas till last year, when of course it became mandatory.

All of this is why I get steaming mad when Reid or Pelosi say o-care stories are all made up and everyone is a liar. Just ask almost anyone who has had to use it and you end up with similar stories.