The thing was...we couldn’t afford to pay more. That’s why we were changing insurance companies. We rarely used our health insurance when we were employed by someone else but since then (my husband is self-employed)...I’ve broken my ankle and then this year I had to have my gall bladder out! Can’t wait to see how much our policy goes up after that! I am just praying that nothing happens in the next couple of years.
Approach it from a different direction. Look for a smaller policy versus full coverage. Get a catastrophic-only policy and then invest and save the difference plus every extra dime you have. Then, you have the money in the bank if you need it for day to day medical treatment, you have a catastrophic policy for major events, and if you don’t need the money for medical, it is still your money earning interest for you.
People often look at this entire issue incorrectly. Health Insurance isn’t Health Care. View it from this approach, you can see there are a lot more options to you.
Now don’t get me wrong, I think there are a lot of things that need fixing, but I believe they can be achieved by getting big brother out of the mix, not having him regulate more. Allow policies to be sold across State lines (one of the few things I think the commerce clause of the Constitution would legitimately cover). Insurance companies should be free to create customized, ala carte type plans, like you add widgets to your phone to customize how you use it. There could even be tax incentives for companies who take riskier policies (not subsidies, but maybe lower rates). Freedom is the answer, not regulation.