Mulligan
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- May 3, 2009
- Messages
- 9,343
Ugh. I just window shopped my state's exchange. Our policy is still offered and the deductible and max OOP have not changed. However, the premium is up a bit over 20% versus the 2015 premium. It will not take more than a few years of this to put health insurance premiums out of reach for most people.
The challenge now is to figure out how much income to declare. My high paying contract gig is over at the end of the year, so I can essentially dial up anything I want. At a minimum it looks like we would want to stay under 260% FPL because that way the kids could go on a CHIP plan. Anyone have experience with CHIP plans?
Cripes, with the way premiums are shooting up it won't be long before I look for a permanent job again just to get employer-provided health insurance.
The problem is 80% will get subsidized premiums and wont feel the same sting. The other 20% will be left swinging in the wind. The only reason why I say that is that govt officials frequently mention "very few people" actually pay full cost when questioned about rate increases. Factually true, but doesn't strike any confidence in me that we are a priority. Any proposals that would benefit us would probably be a detriment to someone else I suppose.
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