MY HEALTH INSURANCE premium arrived in the mail yesterday. Happy holidays!
It’s due shortly before Christmas.
In mid-June, the premium increased from $801 to $813 for three months of coverage. Do the math. That’s $271 per month or $3,252 a year.
I am not happy.
Here’s the deal. I foolishly thought healthcare reform would mean lower premiums and lower costs for medical visits, in other words, more affordable healthcare for families like mine. We are not wealthy. We live in a modest home in a modest neighborhood. We have no debt. We spend carefully and wisely.
But when it comes to health insurance, I believe the word “affordable” cannot fit, cannot even be squeezed, into the same sentence.
I pay $271 a month for coverage with a $3,000 deductible. In other words, my coverage is basically major medical.
I’ve evaluated getting onto my husband’s plan at work. That would cost me even more than the individual policy I have as a self-employed writer. His employer pays only a small portion of his health insurance premium and my spouse, too, has a high deductible.
I haven’t crunched the numbers lately, but my family (which also includes one still-at-home 16-year-old) is forking out a lot of money every month for health insurance.
Yet, we rarely go to the doctor because of the high deductibles and the high cost of healthcare. Cost is a great deterrent for skipping routine exams. I’m just being honest here.
Another problem I face is past medical history. I had total hip replacement surgery in 2008. I will need a new, and very costly, hip in 15 – 20 years. Insurance companies have these policies about pre-existing conditions. So, even if I was to look for different insurance, the hip would likely be excluded from coverage.
I have no answers to any of this. I just know that I am sick and tired of the high cost of health insurance and of healthcare.
WHAT ARE YOUR THOUGHTS on the topic and do you have any answers? What are you spending every month on health insurance premiums?
© Copyright 2010 Audrey Kletscher Helbling