Quote:
Originally Posted by golfing eagles
No need to guess---FL blue, single coverage, nothing rated up---1332.30/mo=15,987.60/yr----and that's with a 7,000 deductible----OUCH
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That's just one of the plans - probably a bronze plan that's really lousy (or directly through Florida Blue without using the marketplace). For BlueCare 1443, it's $18something or $19something (I just say $1867 because that's what it was when I signed up for it 2 years ago).
The good news is that MOST people who aren't offered insurance through their employer, qualify for some kind of subsidies through the healthcare marketplace.
So MOST people won't pay that much, as long as they apply for the subsidies. Some people pay nothing at all. Some pay a couple hundred dollars. Some still pay a hefty chunk, but less than what they'd have to pay without the marketplace.
And yes some won't qualify for subsidies - but MOST of those people can afford private health insurance and don't need subsidies. There is a very small set of families who are stuck making too much for ACA subsidies, and not enough for full premium costs.
Thankfully for THEM - there are also clinics and urgent care centers, where they can select a doctor who will monitor the health of their family, give vaccines, handle non-emergency health needs (like an x-ray and setting for a broken bone) and charge a nominal amount often based on a sliding scale.