Htown Harry
Thinks s/he gets paid by the post
- Joined
- May 13, 2007
- Messages
- 1,525
With all due respect, I take no comfort in ACA providing any "relative certainty" in "worst case HC expenses". From my perspective of a long pre-Medicare cone of uncertainty, those premiums, deductibles, OOP max's, and (perhaps most importantly) HI-not-covered HC expenses will continue to rise enough to threaten the most well-crafted ER budgets.
That's a fair point, but gone is the uncertainty of being dropped from insurance altogether.
The way I'm looking at it, before ACA the cone of uncertainty had to include the possibility of bearing the full cost of treatment during the second year (and beyond) of a major disease. With the acknowlegment that I don't know much about the state high risk pools now being phased out, my intuition says the cost of a "worst case" year has dropped from well over $100,000 to perhaps $30,000.
Spending $30,000 or $35,000 or $40,000 will be painful, but manageable if my life depends on it. My spread sheet blows up if health care expenses reach $100,000 in a year.