My health plan died and it's all Obama's fault
Cue the funeral bagpipes. My fourth health insurance plan is dead.
Two weeks ago, my husband and I received yet another cancellation notice for our private, individual health insurance coverage. It's our fourth Obamacare-induced obituary in four years. Our first death notice, from Anthem Blue Cross and Blue Shield, arrived in the fall of 2013. The insurer informed us that because of "changes from health care reform (also called the Affordable Care Act or ACA)," our plan no longer met the federal government's requirements.
Never mind our needs and desires as consumers who were quite satisfied with a high-deductible PPO that included a wide network of doctors for ourselves and our two children.
Our second death knell, from Rocky Mountain Health Plans, tolled in August 2015. That notice signaled the end of a plan we didn't want in the first place that didn't cover our kids' dental care and wasn't accepted at our local urgent care clinic. The insurer pulled out of the individual market in all but one county in Colorado, following the complete withdrawal from that sector by Humana and UnitedHealthcare.
Our third "notice of plan discontinuation," again from Anthem, informed us that the insurer would "no longer offer your current health plan in the State of Colorado" in August 2016. With fewer and fewer choices as know-it-all Obamacare bureaucrats decimated the individual market here and across the country, we enrolled in a high-deductible Bronze HSA EPO (Health Savings Account Exclusive Provider Organization) offered by Minneapolis-based startup, Bright Health.
Now, here we are barely a year later: Deja screwed times four. Our current plan will be discontinued on Jan. 1, 2018.
"But don't worry," Bright Health's eulogy writer chirped, "we have similar plans to address your needs."
Riiiiight. Where have I heard those pie-in-the-sky promises before? Oh, yeah. Straight out of the socialized medicine Trojan horse's mouth. "If you like your doctor," President Obama promised, "you will be able to keep your doctor. Period. If you like your health care plan, you'll be able to keep your health care plan. Period. No one will take it away. No matter what."
Is pathological lying covered under the Affordable Care Act?
Speaking of Affordable Care Act whoppers, so much for "affordable." Our current deductible is $6,550 per person; $13,100 for our family of four. Assuming we can find a new plan at the bottom of the individual market barrel, our current monthly premium, $944.86, will rise to more than $1,300 a month.