Minnesota Prairie Roots

Writing and photography by Audrey Kletscher Helbling

My health insurance premium goes through the roof & I’m mad as… November 4, 2014

Filed under: Uncategorized — Audrey Kletscher Helbling @ 6:00 AM
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But still, I was hopeful it wasn’t.

And I am raging mad. I’d write mad as h*** except I prefer not to swear.

On Monday I received a packet of information from my health insurance carrier, PreferredOne. It contained not a single word of good news.

The letter I received from my health insurance carrier.

The letter I received from my health insurance carrier.

Instead, I was notified that, if I stay with my current SignatureChoice Plus plan with a $2,000 deductible, copay and 100 percent coinsurance, my monthly premium will skyrocket a whopping 76 percent.

That’s right. Seventy-six percent.

My new monthly premium, effective January 1, will be $777 compared to my current $441.

Are you kidding? I cannot even begin to express how angry I am at this ridiculous rate increase. If this is affordable health insurance, then I wonder what the definition is of unaffordable health insurance.

Likewise, my husband is seeing a similar increase in the cost of his health insurance. His employer pays half his premium, which will be $778/month effective January 1.

We insure our college-aged son, too, through a plan offered at his East Coast university. At $185/month, that seems dirt cheap.

I have no idea what we are going to do. None. But to pay $1,351/month in health insurance premiums is not affordable on our income.

Some of my choices if I stay with PreferredOne.

Some of my choices if I stay with PreferredOne.

I will spend the next few weeks exploring options. After my nightmarish experience with MNSure last year, I am hesitant to try that route. But I’ll grit my teeth, bite my tongue (maybe), attempt to check my disdain and wade through the process which is sure to anger and frustrate me. I anticipate a system overload as nearly 60 percent of those purchasing insurance through MNSure last year were with PreferredOne. Now that Golden Valley based company has dropped out of MNSure and all those folks, plus individuals like me, will be shopping for new plans.

Early on I was optimistic that healthcare reform might work, that costs might be contained, that the average person could afford health insurance. No more.

HOW ABOUT YOU? Are you, like my husband and me, facing unaffordable health insurance premiums? What are you going to do?

What’s your take on this mess? At whom should my anger be directed? Politicians? Health insurance companies? Who?

We need some accountability here.

© Copyright 2014 Audrey Kletscher Helbling