Healthcare.gov crashing because backend doomed in the requirements stage

Re:Healthcare.gov crashing because backend doomed in the req... by r00fus on Monday October 21, 2013 @04:39PM (#6588038)

Are these two plans equivalent? What are the deductibles involved? What's your copay?

Some of this is because ACA prevents unreasonably high deductible, unless you get "catastrophic" coverage. It was quite possible that your plan was a "catastrophic" plan. You might be able to get a similar catastrophic plan via state exchanges, I know that it varies state to state.

[ Parent | on HN ]

Re:Healthcare.gov crashing because backend doomed in the req... by lightstrike72 on Monday October 21, 2013 @09:40PM (#6589316)

Definitely have a catastrophic plan and the new options are essentially the same as well. Here are some more details:

Old plan: Regence Evolve HSA Plan - Premium: $149, Deductible: $3,500, Coinsurance: 20%, Out-of-pocket max: $5,000

New plan: Regence Direct Silver - Premium: $252, Deductible: $3,000, Coinsurance: 20%, Out-of-pocket max: $4,900

I would lose the HSA benefits from the new plan, which I could keep if I wanted to accept significantly worse terms (with a premium increase of only 33%!):

Regence Direct Bronze HSA - Premium: $198, Deductible: $5,000, Coinsurance: 30%, Out-of-pocket max: $6,250

I don't see how I can come out ahead on this one, once I was able to finally get quotes on the exchange, no other plan was comparable in terms of value and cost. :(

[ Parent | on HN ]