Minnesota Prairie Roots

Writing and photography by Audrey Kletscher Helbling

Turning 55 and fed up with healthcare costs September 7, 2011

Filed under: Uncategorized — Audrey Kletscher Helbling @ 7:04 AM
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In 19 days I turn 55.

Recently I received my first birthday greeting, from my health insurance carrier, a well-known Minnesota-based company.

The message wasn’t all that nice.  In fact, I’d say it wasn’t at all thoughtful, not one bit, for a soon-to-be birthday celebrant. My three-month premium is increasing $151, from $878 to $1,029.

The whole correspondence made me so darn mad that I called my husband at work to see if I could still get on the company insurance plan. His employer was switching to a new insurance carrier to try and curb costs. He said he would check and get back to me.

So while he was asking, I was calling my insurer. I got through the first automated voice when my cell phone rang. (Did I mention that I hate those automated systems?) It was my husband calling back, and probably a good thing since at that moment I glanced at my insurance bill and saw the reason for the $151 premium increase:

REASON FOR RATE CHANGE—SUBSCRIBER OR SPOUSE AGE CHANGES

There it was in bold-faced, capitalized letters.

The bill could have included these bold-faced, uppercased letters to project some Minnesota Nice: HAPPY BIRTHDAY, AUDREY!

My husband shared a dismal message. Coverage through his employer would be $30 higher than my new monthly premium of $342.83. How do they come up with that 83 cents tacked on the end?

My husband’s news sent my anger level soaring off the charts. “What the blankety-blank (not my exact words, but I want to keep this post family-friendly) is going on?” I screeched.

“Welcome to Obama Care,” he said.

I have no idea if rising insurance premiums are related to changes in healthcare policies, but my spouse seems to think so. I didn’t follow healthcare reform because half most of the time I couldn’t understand it anyway. That’s not an excuse, simply the truth.

But I do know this: Way too much—well over $800 a month— of my family’s income is now going toward health insurance premiums for my husband and me, who turns 55 shortly after me. I have a $3,000 deductible and my spouse has a $2,400 deductible.

His employer has been paying about $90 of his monthly premium. Since I’m self-employed, well, every premium cent comes from my pocket.

We rarely visit the doctor because that costs us even more money.

Honestly, I am fed up with the rising cost of health insurance and healthcare and I don’t know what the heck to do about it.

I’ve even thought about dropping my insurance coverage. But I am smart enough to realize that at my age, that would not be a wise decision.

HOW ABOUT YOU? Are you fed up with the rising cost of health insurance premiums and overall healthcare costs? What are you doing to control/cut costs? Share your thoughts by submitting a comment. Feel free to speak your mind. Just use family-friendly language and keep your comments libel-free.

© Copyright 2011 Audrey Kletscher Helbling

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