The Day My Fourth Health Plan Died
Cue the funeral bagp i p e s . My f o u r t h health insurance plan is dead.
Two wee k s a g o , my husband a nd I r e c e i ved yet another cancellation notice for our private, individual health insurance coverage. It’s our fourth Obamacare-induced obituary in four years.
Our f i r st death notice, from Anthem Blue Cross and Blue Shield, arrived in the fall of 2013. The insurer informed us that because of “changes from health care reform (also called the Affordable Care Act or ACA),” our plan no longer met the federal government’s requirements.
Never mind our needs and desires as consumers who high- deductible PPO that included a wide network of doctors for ourselves and our two children.
Our second death knell, f r o m Rocky Mountai n Health Plans, tolled in August 2015. That notice signaled the end of a plan we that didn’t cover our kids’ dental care and wasn’t accepted at our local urgent care clinic.
The insurer pulled out of the individual market in all but one county in Colorado, following the complete withdrawal from that sector by Humana and UnitedHealthcare.
Our third “notice of plan di s c onti nuation,” a gai n from Anthem, informed us that the insurer would “no l onger offer your current health plan in the State of Colorado” in August 2016.
With f e wer a n d f e wer choices as know- i t - all Obamacare bureaucrats decimated t he i ndividual market here and across the country, we enrolled in a high- deductible Bronze HSA EPO (Health Savings Account Exclusive Provider Organization) offered by Minneapolis-based startup, Bright Health.
Now, here we are barely a year later: Deja screwed times four. Our current plan will be discontinued on Jan. 1, 2018.
“But don’t worry,” Bright Healt h ’s e u l o g y wri t e r chirped, “we have si mil ar plans t o address your needs.”
Riiiiight. Where have I heard those pie-in-the-sky promises before?
Oh, yeah. Straight out of the socialized medicine Trojan horse’s mouth.
“If you like your doctor,” President Obama promised, “you will be able to keep your doctor. Period. If you like your health care plan, you’ll be able to keep your health care plan. Period. No one will take it away. No matter what.”
Is pathological lying covered under the Affordable Care Act?
Speaking of Affordable Care Act whoppers, so much for “affordable.”
Our current deductible is $6,550 per person; $13,100 for our family of four.
Assuming we can find a new plan at the bottom of the individual market barrel, our current monthly premium, $ 944.86, will rise t o more than $1,300 a month.
“What’s taking place is a market correction; the free market i s at work,” says Colorado’s state insurance commissioner, Marguerite Salazar.
“(T)his could be an indication that there were too many options for the market to support.”
This presumptuous central planner called federal i ntervention t o eliminate “t oo many” options f or consumers the free market at work.
Yes, friends, the Rocky Mountain High is real.
This isn’t a “market correction.” It’s a government catastrophe. Premiums for individual health plans in Virginia are set to skyrock-