The Day My Fourth Health Plan Died

MidWeek (Hawaii) - - Front Page - MUS­INGS Michelle Malkin

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-

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