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View Poll Results: What is Your Health Insurance Choice for 2016
Medicaid - I'm on a medicaid eligible state and will use that 3 1.35%
Exchange - I'm getting a plan through the exchange 51 22.87%
Individual - I'm getting a plan directly through insurance company or broker 38 17.04%
Company - I'll be insured through w*rk or from a spouse, partner 87 39.01%
Medicare - I'm on medicare 29 13.00%
Fine me baby - I'll take the penalty 0 0%
Other 15 6.73%
Voters: 223. You may not vote on this poll

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Poll of What is Your Health Insurance Choice for 2016
Old 11-01-2015, 08:42 AM   #1
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Poll of What is Your Health Insurance Choice for 2016

Okay, open enrollment is begging for a poll. What's your choice?
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Old 11-01-2015, 12:04 PM   #2
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2016 will be our third year with a catastrophic plan whose benefits are slightly less than a bronze plan but whose premiums are 42% lower (in 2016). I had to deal with our state exchange when I first purchased it, but luckily have only dealt with the insurance company directly since then. We are relatively healthy and have few claims... perhaps $3,000 a year at most over the last few years. We have two policies so if one of us has a health event then the insurance kicks in earlier.
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Old 11-01-2015, 02:08 PM   #3
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Medicare is primary now for me, BCBS is secondary for me and primary for DW. It is heavily subsidized by my former employer so this is a no-brainer.
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Old 11-01-2015, 02:12 PM   #4
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Group insurance from ex-company as a retiree.
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Old 11-01-2015, 02:28 PM   #5
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OK, I voted "Medicare" since Medicare is my primary insurance.

I also have retiree insurance from work, which is secondary. But it's the exact same insurance that I had when I was working, and I pay the same amount for it as I did when working. Now that I am older, it picks up whatever Medicare doesn't pay plus now, it pays the deductible and co-pays which it didn't do before Medicare.
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Old 11-01-2015, 02:33 PM   #6
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Retiree medical insurance from Aetna at this point in time but soon to change to Medicare and some form of addition coverage from ? Still researching and trying to learn the nuances of all the different options. Being in fairly decent health I will probably go with some sort of an Advantage plan. I wonder if any of the Advantage plans with the silver sneakers option include green fees
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Old 11-01-2015, 02:34 PM   #7
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I will be working until July, so I will not need a plan until the end of the Cobra period, which I believe is 90 days after I no longer have insurance. Maybe the end of October.

I will use my VA insurance, which is free. Then pick up a bronze policy, likely through BCBS. Anytime I go to the VA my deductible gets closer to being met, and it doesn't cost me anything. I would like a way to avoid a after-market policy altogether...

The other half will get a policy though MinnesotaCare, which is a nearly free policy, through BCBS, without any deductible.
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Old 11-01-2015, 03:12 PM   #8
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Group insurance from ex-company as a retiree.
Ditto here. GF is on ACA plan.
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Old 11-01-2015, 03:24 PM   #9
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Will get my plan directly through insurance company. Don't want to go on state's medicaid nor tinker with my income to find the sweet spot for the market exchange. Been reading where BCBS is cancelling PPO plans and replacing them with watered down plans and putting policy holders in panic mode. I'll probably end up going with the watered down plan (at least my doc and hospital is in network), but just don't get too sick and even think about seeing a specialist out of network.
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Old 11-01-2015, 03:45 PM   #10
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Us Canucks can only vote "other", so I did.
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Old 11-02-2015, 08:30 AM   #11
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Us Canucks can only vote "other", so I did.

Sorry. As soon as I pressed enter to create the poll, I realized that besides "other" I didn't have a voting item for the non-USA folks.

I would have had something like "Does not apply - You folks in the states sure have funny systems for healthcare".
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Old 11-02-2015, 08:51 AM   #12
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Policies purchased through the exchange. Starting to research medicare options for DH as he turns 65 in early 2017. I have a ways to go till I get that deal.
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Old 11-02-2015, 08:51 AM   #13
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Originally Posted by easysurfer View Post
Will get my plan directly through insurance company. Don't want to go on state's medicaid nor tinker with my income to find the sweet spot for the market exchange. Been reading where BCBS is cancelling PPO plans and replacing them with watered down plans and putting policy holders in panic mode. I'll probably end up going with the watered down plan (at least my doc and hospital is in network), but just don't get too sick and even think about seeing a specialist out of network.
That was our attitude as well, until my policy got hit with a 40% rate increase.I looked around and decided I can't keep paying more for less coverage indefinitely. Unless you have limitless fund and are a Libertarian I think you might a least look at the exchanges and see where you are sitting subsidy wise.
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Old 11-02-2015, 09:05 AM   #14
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I wanted to click two options. I have ex-employer insurance, but because I also qualify for Medicaid the state pays most of my premium to keep me off the Medicaid roles.
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Old 11-02-2015, 09:18 AM   #15
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That was our attitude as well, until my policy got hit with a 40% rate increase.I looked around and decided I can't keep paying more for less coverage indefinitely. Unless you have limitless fund and are a Libertarian I think you might a least look at the exchanges and see where you are sitting subsidy wise.
I'm debating in my own mind and am now leaning towards looking at the exchange due to both the rate increase and less coverage. I didn't mind paying higher last year for a better, more coverage plan. But now, the insurance company wants to switch that to a plan that's almost same cost but way less coverage area.
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Old 11-02-2015, 09:30 AM   #16
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I'm debating in my own mind and am now leaning towards looking at the exchange due to both the rate increase and less coverage. I didn't mind paying higher last year for a better, more coverage plan. But now, the insurance company wants to switch that to a plan that's almost same cost but way less coverage area.
My situation exactly, the 40% increase included a 2500 dollars raise in the out of pocket expense. I'm 2 years and 9 months (but who's counting) away from Medicare and have bought private coverage since I was 19...I don't have anything more to give. When our older daughter was born my hubby and I had catastrophic coverage that cost 100 bucks a year for both of us..We paid 1200 dollars for all the baby expenses. I'd go back to that if I could!
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Old 11-02-2015, 10:41 AM   #17
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Old 11-02-2015, 10:57 AM   #18
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I have pre-medicare retiree group insurance, which is heavily subsidized by my former megacorp. It's a HDHP administered by BCBS, so I still contribute to an HSA as well.

Just got my 2016 open enrollment package and the premium is unchanged for the third straight year. It's roughly 25% of the unsubsidized premium, and has $1.5K deductible, $3K OoP max, 10% doctor coinsurance, 20% hospital.

DW is still working OMY and has coverage through her employer. Her post-retirement options are not quite as good, but certainly better than adding her to my coverage.
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Old 11-02-2015, 11:14 AM   #19
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Other, that being retiree HI through a former employer. I think it's called Cigna Copay or some such.
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Old 11-02-2015, 12:40 PM   #20
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Quote:
Originally Posted by Senator View Post
I will be working until July, so I will not need a plan until the end of the Cobra period, which I believe is 90 days after I no longer have insurance. Maybe the end of October.

I will use my VA insurance, which is free. Then pick up a bronze policy, likely through BCBS. Anytime I go to the VA my deductible gets closer to being met, and it doesn't cost me anything. I would like a way to avoid a after-market policy altogether...

The other half will get a policy though MinnesotaCare, which is a nearly free policy, through BCBS, without any deductible.

COBRA can last 18 months if willing to pay. In general, it's freaking expensive. Study your options then decide.


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