I had planned to write a post today about our latest successes in home improvements to our 80+ year-old brick home. However, I feel a real need to postpone that (it will be available tomorrow) so that I can bring you a new, freshly updated, rant about the state of health care insurance in the United States.
When the President shoved the ACA (aka: Obamacare) down our throats, the primary argument for it was that we should accept this “solution” because the existing health care system was broken and the solution would be an AFFORDABLE way to fix it. The only people it is affordable for are the ones getting free coverage at everyone else’s expense.
Our health insurance rates have gone up every year, and we just got the notice of the change in benefits for my wife’s insurance options through the State of Kansas. The plan we’ve been on – just to cover her and me – went up $25 per WEEK from what we paid last year. Keep in mind that we hardly USE this plan. We didn’t meet our deductible on the plan last year until DECEMBER, and have not met it yet this year. At the new rates, it almost seems cheaper to start paying cash, and pay the penalty at tax time for not having insurance. Yes, I did the math – the increase alone amounts to $1300/yr. Our combined pre-tax income is just over $50,000/yr.
As it is, I am seriously considering telling my wife to drop me from the coverage through her work, because I get some form of care through the VA, and even if it is the worst health care in the US, it’s paid for. That would return our premiums on HER coverage to about what we were paying before Obamacare took effect. Sure, the nearest full-service VA hospital with an ER would be either Wichita, KC, or Fayetteville, but with my DNR active they are all close enough to us for most urgent care needs. That, and I think the VA care is sufficient to meet the legal test of “being insured” under Obamacare, for me.
Still need more thought, but that is the direction I’m leaning.