I have a feeling I am going to get screwed in this whole health care deal in 2014. I currently have a HDHI plan that has a $5.950 stacked deductible ($5,950 for me and for DW so our maximum out-of-pocket cost is $11,900). We currently pay about $630 a month. We are both healthy and have had the plan for 18 months and have yet to make a claim.
I got a letter from my provider the other day indicating that deductibles for 2014 will be limited to $2,000 for an individual and $4,000 for a family.
So it seems like the promise of "if you’ve got health insurance, you like your doctors, you like your plan, you can keep your doctor, you can keep your plan. Nobody is talking about taking that away from you" was a lie because I like my HDHI plan and would like to keep it. Second, given deductibles are less than half what they were before it seems all but inevitable that my premiums will increase, and probably dramatically increase.
I guess I'll wait and see and structure my income in 2014 to take advantage of any subsidies to mitigate the effect of the increase.