A recent report in USA Today disclosed the range of deductibles in the silver health insurance plans under the federal exchange of Obamacare. The authors concluded that in regions with less competition, the costs were higher. Families that make more than 250% of the federal poverty level — about $60,000 for a family of four — can have a plan whose deductible is up to $13,200 per year. And silver plans only pay 70% of the cost of healthcare after the deductible is met. And federal subsidies, which have been challenged and will be reviewed by the U.S. Supreme Court soon, in some cases will only lower the deductibles to $10,400.
This is the game of Obamacare, and all other health insurances for that matter. They are under pressure to keep their premiums from inflating too fast, no one is doing anything meaningful to combat the exorbitant cost of U.S. healthcare, so the financial pressure relief valve is to raise deductibles. This is no solution.
The majority of my patients can not afford Obamacare. Try to find a specialist who will take this insurance is horrible. The sad fact is that every self employed person in America is on Obamacare. That includes doctors, lawyers, dentists, bankers, small town pharmacist, electricians. Every small business!