Re:The cost of raising a child in America has soared (2018)
by EvanAnderson on Monday June 24, 2019 @07:40PM
(#20269681)
All my plans since 2013 have been $12K+ deductible. (Self-employed in Ohio.) Every medical event is a major shopping and price comparison exercise, and nearly every provider refuses to quote hard-and-fast prices. (You also get treated very badly by some practices who act terribly put-off that you'd have the lack of decency to ask about prices. You get that treatment double when it's about a procedure for your kid. P/A in the ER was a straight-up asshole when I questioned if a x-ray of my daughter was strictly necessary.)
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Re:The cost of raising a child in America has soared (2018)
by pkaye on Tuesday June 25, 2019 @02:29AM
(#20271659)
Curious what is your yearly premiums? Is it a high deductible plan?
Re:The cost of raising a child in America has soared (2018)
by EvanAnderson on Tuesday June 25, 2019 @06:32AM
(#20272744)
The current year is a high deductible plan (as all of mine have been since starting self-employment in 2004) but is not HSA-eligible. (Most years we've had an HSA-eligible plan, but some years none were available or they were vastly more expensive than the non-HSA eligible, which makes no sense.) We found a way to get an employer-sponsored plan thru my LLC this year and that dropped the premiums to just under $12K w/ a $13.6K family deductible. The marketplace plan we were on last year, had we renewed for 2019, would have been $17.5K in premiums w/ the same deductible. Neither is HSA-eligible.
Re:The cost of raising a child in America has soared (2018)
by pkaye on Tuesday June 25, 2019 @12:52PM
(#20276168)
I was punching some numbers into Covered California marketplace and for $12K you could get some pretty good plans. And if you qualify for the subsidy it is much lower. Some of the HMO plans have no or low deductibles.
Re:The cost of raising a child in America has soared (2018)
by EvanAnderson on Saturday June 29, 2019 @10:05AM
(#20312651)
Sounds like California has a much nicer market than we do in Ohio. I had one provider to choose from in the Marketplace for my county in 2019. Their "Silver" plan was what we had in 2018, chosen over the "Bronze" because the lower-priced "Bronze" was 20% co-insurance on inpatient care versus 100% coverage after deductible on "Siler". Aside from that company's plans those who purchased on the Marketplace in my county for 2019 had no other choices.