High deductibles kill 'affordable' idea

info@islandpacket.comDecember 30, 2013 

As someone who fully supports affordable health insurance for everyone, I've been an endorser of the Affordable Care Act after reading it in its entirety.

My thoughts have changed after my 23-year-old grandson's experience in trying to sign up for insurance at the federal website.

He and I were shocked that the only plan he could potentially afford contained a $6,000 deductible and would require a considerable amount of his income for the premium.

While he would get a "free" annual physical, if he had other medical needs he would be unable to pay for them because of the deductible.

Plans with lower deductibles are unaffordable for his part-time income of $10,000 annually.

Even if his premium were to be covered by a federal subsidy, he would never be able to pay the deductible if a need arose.

My grandson may opt to not be insured and to pay whatever "fine" is involved in not signing up for coverage.

Many younger, lower income folks may be driven to the same decision.

So much for "affordable health care" for all ... a concept I continue to fully and enthusiastically support in spite of plans the insurance companies have developed to make money while not having to pay for medical services until very high deductibles are reached.

They blame this, the loss of "your medical plan if you like it" and "your doctor if you like him/her" on the Affordable Care Act, while the insurance industry is totally responsible for these decisions.

Michael F. Vezeau

Sun City Hilton Head

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