I got stuck paying $432 a month with a $6000 deductible for the worst bronze plan directly with Kaiser because Obamacare will implode.
In 2017 the same plan raised the deductible to $6200 with premium payments of $468 a month.
I guess soon we can save by just not eating.
I guess we better stay healthy.
We have healthy younger relatives across the country in the same basket as you are.
Now, they go to walk in clinics and pay cash for a visit.
They go to pharmacies for their shots and vaccines.
Why, they are billed less for the above than their normal doctors would charge.
Concierge MD have all the patients they want for fees running from a couple of hundred $/month to equal the annual deductions.
I have posted before about one of our female in laws who basically abused her husband’s Cadillac insurance plan before Obama care came in.
My wife tried to warn her that her expensive and non essential derm visits and visits for her kids requiring a bandage or less were not going be paid post Obama care, due to her new high deductibles.
Two months later after Obama care the above luxury visits were stopped. She uses my wife as a free advise RN ( which my wife did for 3+ decades). Her entire family now goes to a good walk in clinic when her free advise RN tells them to go to a doctor.
She is a great negotiator when buying products and services. She, now, uses that skill when the family needs shots/vaccines. She calls up their walk in Clinic gets their price and the 3 pharmacies in the same area of the walk in Clinic. The clinic will beat the pharmacy prices if our in law pays with cash or a debit card.
My wife’s clan in the midwest is doing the same. One of my wife’s SIL’s was an ER nurse for decades. She is the free on call RN for her families. She has taught her daughters, nieces and female cousins how to use liquid bandages and butterfly bandages to avoid visits to the ER or family docs for stiches. Her asst nurses, aka mothers, use smartphones to take pictures of cuts and abrasions for her advise. She tells her family about our west coast health care negotiator, and her clan negotiates for injections/vaccines.
One super granny in law in an area south of the above is the go to when the above RN says to get the kids/husbands to an ER. All of the younger women work at jobs that are hard to get away from, so super granny takes her grandkids to the local ER in a medium to large metro area.
Most of the times those ERs are packed with illegals getting free ER care for sore throats or ouchies needing a small bandaid. Super granny puts on a ICE hat and an ICE Jacket when she takes her grandkids to the ER. It is amazing how the patients and their 30 family members with nothing else to do, clear out of the ER waiting room and leave the premises.