health insurance nightmare
I used to have health insurance. I suppose I was pretty happy with it, although I didn’t think too much about it. It was, in the truest sense, insurance. I paid about $100 per month in exchange for coverage against unforeseen disasters (cancer, dismemberment, ebola, etc.). The premium was pretty low because it didn’t cover must of the day to day things; my doctor’s office copay was also about $100. Apparently somebody in the government decided my plan was unethical or unaffordable or subbronze or something, because it’s been cancelled.
Now I have to go through the signup process all over again, but this time I have to choose a plan with a minimum of a $200 per month premium. But my copay will only be $50. So I pay an extra $100 12 times per year to save $50 once per year. According to government math, this will save me money.
I was vaguely in support of Obamacare in the abstract, but much like the Republicans foretold, my support didn’t survive contact with the enemy. Er, healthcare.gov. I was promised I could keep my plan if I liked it. I liked my plan. I couldn’t keep it.
And so begins my healthcare.gov adventure. Despite assurances that the service was now fully operational, my first attempt to get insurance in December failed. I was told to try again later. So now it’s later and, and somehow the system has decided that I may be eligible for Medicaid or state assistance or something, and won’t actually let me enroll. I have to wait for my friendly local state agency to contact me. Will they contact me before the 3:00am deadline for coverage? The clock is ticking....
What a shitshow.