Dear Pajama Boy Defender:
Cripes, would it kill you to actually do some homework before you blow warm air up our skirts about the wonders of Obamacare?
"Only" $125 per month for a 27 year old to get a policy? Problem is, that $1,500 yearly premium gets our hypothetical Obamacare Subscriber exactly: nothing. She still pays 100% of the first $6,000 as Deductible, and then only if the Provider is "participating" in Blue's network. If her doctor, drug store and specialist are "non-participating", the 27 year old pays as much as the first $10,000 per year. OOP (Out Of Pocket) can be as much as $12,500. Also, that doesn't include Dental or Routine Eye Care. Don't take my word for it: http://www.bcbsil.com/PDF/sbc/
For Dental, add $600/yr. for premiums and $700 OOP: https://www.healthcare.gov/
If she makes $40,000/yr. she qualifies for ZERO premium subsidy, since Obamacare forces her to spend the first 9.5% of gross income, or $3,800/year: http://tinyurl.com/ll8v26r
She also gets NO subsidy for OOP expenditures: 1) Only the high premium / high deductible "Silver" plan qualifies for OOP subsidies; 2) Even if you have a Silver Plan, only Individuals making less than $28,725 per year qualify for OOP subsidy, and then only on what is referred to as "Essential Health Benefits": https://www.healthcare.gov/
In conclusion, the 27 year old could spend as much as $15,000 before the insurance companies have to cough up a dime.
"Only" $125 per month for a 27 year old to get a policy? Problem is, that $1,500 yearly premium gets our hypothetical Obamacare Subscriber exactly: nothing. She still pays 100% of the first $6,000 as Deductible, and then only if the Provider is "participating" in Blue's network. If her doctor, drug store and specialist are "non-participating", the 27 year old pays as much as the first $10,000 per year. OOP (Out Of Pocket) can be as much as $12,500. Also, that doesn't include Dental or Routine Eye Care. Don't take my word for it: http://www.bcbsil.com/PDF/sbc/
For Dental, add $600/yr. for premiums and $700 OOP: https://www.healthcare.gov/
If she makes $40,000/yr. she qualifies for ZERO premium subsidy, since Obamacare forces her to spend the first 9.5% of gross income, or $3,800/year: http://tinyurl.com/ll8v26r
She also gets NO subsidy for OOP expenditures: 1) Only the high premium / high deductible "Silver" plan qualifies for OOP subsidies; 2) Even if you have a Silver Plan, only Individuals making less than $28,725 per year qualify for OOP subsidy, and then only on what is referred to as "Essential Health Benefits": https://www.healthcare.gov/
In conclusion, the 27 year old could spend as much as $15,000 before the insurance companies have to cough up a dime.
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