and did chuck schumer cry for the middle class when their deductables shot up as high as $12,000?
why would you pick a plan for your family with a $12000 deduction?
Because that's all that's available.
Serious talk. My friend's brother-in-law signed up for Obamacare.
He has a $6000 deductible.
What a joke it is!
A not funny one.
Meanwhile...insurance companies are laughing all the way to the bank.
I worked as a volunteer at the local church and then the local health care clinic,helping locals sign up for Obama care...
People were ill-informed, it was not explained enough on the internet....or by anyone in any information ads or even videos imo.
There were many options for your friend to choose from, your friend is the one who chose the $6000 deduction. But in that plan, your fried could get his one free annual physical visit and any tests required for his age group covered, without having to spend a penny out of his pocket and towards his deductible....your friend could also see the doctor, any time he wanted or needed for a small copay, of probably $30 on average without having to pay for his deductible.
Your friend or anyone buying in to one of those bronze plans with really high deductibles and/or out of pocket plans is basically buying simply a catastrophic/or Hospitalization plan... outside of the few perks I mentioned above that comes with the plan...maybe they are somewhat good for young adults who don't expect to get injured or extremely sick....
But as example, if they were poor, and made say 200% above poverty or less in income, I made certain they understood that they needed to buy in to a silver plan, with full healthcare coverage...even if it seemed like the plan was way too expensive in monthly premiums, because not only did these plans subsidize most of their premiums, these plans would ALSO get additional help through something called, "cost sharing reductions"....the govt came in and ALSO helped pay most of the Deduction amounts, and also came in and paid for most all of their out of pocket expense, and ALSO came in and reduced their doctor visits from say $30 a doctor visit to $15 a doctor visit and instead of the emergency room visit being the $500 bucks for the policy but reduced it to $200 for this person who made only 200% of poverty....the government would NOT come in and help outside of the subsidy, any poor person who bought in to one of those high deductible bronze plans, they would ONLY give cost saving reductions if they bought a Silver Plan....which is a little more than those bronze plans but the coverage is better than good, it's excellent, considering how much the gvt came in additionally for these people who make little....
But going back to your friend who bought a high deductible bronze plan, he made that choice so he could pay the lowest premium as possible, there were many options for him to have better coverage with much lower deductibles or out of pocket expense, but the monthly premiums would have been higher...
