DeductibleHave you got real good insurance now?Is it a statement of fact?
On a case by case basis, perhaps. I don't have kids in their 20s. If I did, and they were just starting out in life, working for an employer that didn't offer health insurance, I would want to help them out. I wouldn't be concerned about someone else's need to nitpick terminology.
Yes.
Were you under the impression that there were never deductibles prior to January 2014?
There most certainly were. Here is what happened.
"We all remember the promise – President Obama famously told us time and time again that ObamaCare would lower health insurance premiums by$2,500a year for families. But unless you’re receiving a giant subsidy from the government for your insurance, you’re not paying less in premiums, in fact, for employer sponsored plans, premiumshave risen nearly $5,000since Obama promised to cut them. What about deductibles? They haven’t decreased either. But don’t just take my word for it.
A new survey finds that in 2015 deductibles on employer-provided health plans actuallyroseby almost nine percent.
According to a new report by the Kaiser Family Foundation and the Health Research & Educational Trust, the increase brings the average deductible that workers must pay for their health insurance plans to $1,077; more than triple what it was a decade ago. As reported in the L.A. Times, “That is seven times faster than wages have risen in the same period.”
Kaiser Study: Deductibles under Obamacare rising seven times faster than inflation