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Originally Posted by SusanStCatherine
Ah. The Affordable Care Act which was supposed to make health care affordable. We suffered for many years with the same high premiums but our deductibles were higher. Our employers did not offer healthcare. So basically paying an extra $30K per year and not have anything covered since the deductible was so high. It truly caused us financial distress. Rates are not determined by gender or health status or preexisting conditions - but wait - rates determined by age! And oh my gosh are the rates astronomical the years leading up to Medicare.
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When the ACA was first passed, my deductible a $7K/year. And, like you, since my deductible was so high, the only thing covered was my yearly physical and my wife's yearly physical and mammogram... Everything else was "out of pocket"...
Only be choosing a lower coverage level was I able to reduce my deductible to $4K, and keep my premium increase to a less insane amount.
However, my monthly premiums increased...