Actually no. Since I will be buying my health insurance from the exchange, I have actually researched it. The policy I am likely to choose is going to cost me almost exactly the same as my old policy; however, the deductible will double from $2500 to $5000. I never hit my $2500 deductible, so unless I become seriously ill it will have no effect on me. On the good side, all preventative care will be covered 100%, so I will save a few dollars on my well care visits and some testing. All things considered, my overall spending will be almost exactly the same as it is now.
Does your auto insurance policy cover "preventive care", such as oil changes, tire rotation and various filter replacement?
Does your homeowners insurance cover "preventive care" such as heating and AC tuneups, or roof replacement?
Does your life insurance cover "preventive care"?
The entire purpose of insurance was designed to protect one from a catastrophic event, not for maintenance. Somehow, people (and now government) have come to think medical insurance is supposed to be used for maintenance things like getting a physical or a tetanus shot, or for simple medical needs such as a few stitches for a minor cut or an office visit for the flu. Things like that are not catastrophic, just ******* pay for them, and let insurance kick in if something happens like a ruptured appendix or a heart attack or cancer.
Has common sense and reason-ability disappeared from our society?