# 2014 - What type of health care plan will you have? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [November 22, 2013, 6:21pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547 "2013-11-22T18:21:20Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![jasg](https://avatars.discourse-cdn.com/v4/letter/j/f0a364/32.png) [@jasg](https://boards.straightdope.com/u/jasg)\ **Post date:** [November 22, 2013, 6:21pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/1 "2013-11-22T18:21:20Z")
The title is the question - with all the discussions around health care, let’s try for a look at how Dopers will be covered in the coming year. ---
**Author:** ![ITR\_champion](https://avatars.discourse-cdn.com/v4/letter/i/c67d28/32.png) [@ITR\_champion](https://boards.straightdope.com/u/ITR_champion)\ **Post date:** [November 22, 2013, 6:39pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/2 "2013-11-22T18:39:24Z")
My wife and I currently have a very good, affordable plan through my employer. We’re hoping that the price won’t go up too much, so we’ll be able to keep it. If the price does rise sharply, we’re screwed. ---
**Author:** ![Kenm](https://avatars.discourse-cdn.com/v4/letter/k/bc79bd/32.png) [@Kenm](https://boards.straightdope.com/u/Kenm)\ **Post date:** [November 22, 2013, 7:04pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/3 "2013-11-22T19:04:56Z")
Fully covered for everything, as always, but of course you meant USians. ---
**Author:** ![congodwarf](https://avatars.discourse-cdn.com/v4/letter/c/e36b37/32.png) [@congodwarf](https://boards.straightdope.com/u/congodwarf)\ **Post date:** [November 22, 2013, 7:31pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/4 "2013-11-22T19:31:52Z")
I have insurance through my school. It costs me $1600 per year and is covered by a student loan (it was $800 two years ago ☹ ) ---
**Author:** ![Misnomer](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/misnomer/32/14897_2.png) [@Misnomer](https://boards.straightdope.com/u/Misnomer)\ **Post date:** [November 22, 2013, 7:51pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/5 "2013-11-22T19:51:54Z")
I will continue to have a high-deductible health insurance plan from my employer. It’s not very expensive, but most of my costs – office visits, lab work, etc. – will wind up being paid out-of-pocket (luckily, dental and vision are “normal” plans). I tend to think of it as mostly catastrophic insurance. ---
**Author:** ![Trinopus](https://avatars.discourse-cdn.com/v4/letter/t/2bfe46/32.png) [@Trinopus](https://boards.straightdope.com/u/Trinopus)\ **Post date:** [November 22, 2013, 8:00pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/6 "2013-11-22T20:00:05Z")
State plan, Medi-Cal. ---
**Author:** ![Sattua](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/sattua/32/11906_2.png) [@Sattua](https://boards.straightdope.com/u/Sattua)\ **Post date:** [November 22, 2013, 8:15pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/7 "2013-11-22T20:15:17Z")
We will purchase private insurance, as my husband and I are self-employed. Right now we are still on COBRA from his old job, paying obscene premiums because of his former boss’s family’s multiple expensive health issues. We will end up paying about a third of what we pay now. ---
**Author:** ![silenus](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/silenus/32/166_2.png) [@silenus](https://boards.straightdope.com/u/silenus)\ **Post date:** [November 22, 2013, 8:21pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/8 "2013-11-22T20:21:54Z")
My school district has always had very good medical. I don’t see anything changing much. In fact, the district and the union just agreed on an extension of benefits with minimal increase in cost to members. ---
**Author:** ![Rollo\_Tomasi](https://avatars.discourse-cdn.com/v4/letter/r/58956e/32.png) [@Rollo\_Tomasi](https://boards.straightdope.com/u/Rollo_Tomasi)\ **Post date:** [November 22, 2013, 8:29pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/9 "2013-11-22T20:29:08Z")
> [@Sattua](#): > > We will purchase private insurance, as my husband and I are self-employed. Right now we are still on COBRA from his old job, paying obscene premiums because of his former boss’s family’s multiple expensive health issues. We will end up paying about a third of what we pay now. Same here, although my new private insurance will cost about half of my COBRA premiums, rather than a third. Still, I’ll certainly take it. ---
**Author:** ![Dr.Drake](https://avatars.discourse-cdn.com/v4/letter/d/ad7895/32.png) [@Dr.Drake](https://boards.straightdope.com/u/Dr.Drake)\ **Post date:** [November 22, 2013, 8:31pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/10 "2013-11-22T20:31:37Z")
“Other”—I live in a sensible country. ---
**Author:** ![dracoi](https://avatars.discourse-cdn.com/v4/letter/d/90db22/32.png) [@dracoi](https://boards.straightdope.com/u/dracoi)\ **Post date:** [November 22, 2013, 9:09pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/11 "2013-11-22T21:09:54Z")
I put privately purchased insurance, since that’s probably where I’ll wind up. Given that rates for me are going up about 70% and I don’t actually use the health insurance I have, I’m weighing options that include skipping a year. After all, with no rules about pre-existing conditions, I could always pick up a policy after I realize I need it. Ironic that Obamacare has actually provided me with an incentive to drop my insurance. Still… I’ll probably bite the bullet and do my share like a good little drone. If I go with a plan that has even higher deductibles than my current one, I could keep the cost increase down to about 40%. ---
**Author:** ![TBG](https://avatars.discourse-cdn.com/v4/letter/t/c89c15/32.png) [@TBG](https://boards.straightdope.com/u/TBG)\ **Post date:** [November 22, 2013, 11:17pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/12 "2013-11-22T23:17:13Z")
Haven’t had it since I got to old to be on my parents’ and that’s not changing anytime soon. ---
**Author:** ![snowthx](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/snowthx/32/10660_2.png) [@snowthx](https://boards.straightdope.com/u/snowthx)\ **Post date:** [November 22, 2013, 11:24pm UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/13 "2013-11-22T23:24:42Z")
Private employer insurance - rates flat the last 3 years. ---
**Author:** ![Hari\_Seldon](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/hari_seldon/32/5173_2.png) [@Hari\_Seldon](https://boards.straightdope.com/u/Hari_Seldon)\ **Post date:** [November 23, 2013, 2:08am UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/14 "2013-11-23T02:08:33Z")
> [@Kenm](#): > > Fully covered for everything, as always, but of course you meant USians. This. ---
**Author:** ![Pai325](https://avatars.discourse-cdn.com/v4/letter/p/c68b51/32.png) [@Pai325](https://boards.straightdope.com/u/Pai325)\ **Post date:** [November 23, 2013, 3:31am UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/15 "2013-11-23T03:31:50Z")
I am retired, but not yet eligible for Medicare. So it’s a state plan for retired employees not yet on Medicare. ---
**Author:** ![carnivorousplant](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/carnivorousplant/32/3563_2.png) [@carnivorousplant](https://boards.straightdope.com/u/carnivorousplant)\ **Post date:** [November 23, 2013, 3:36am UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/16 "2013-11-23T03:36:14Z")
I work for a state school, and with threats of a rise in cost, the Governor beat the state legislature with clubs so that they will cover the rise in costs. ---
**Author:** ![Chimera](https://avatars.discourse-cdn.com/v4/letter/c/8e8cbc/32.png) [@Chimera](https://boards.straightdope.com/u/Chimera)\ **Post date:** [November 23, 2013, 3:50am UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/17 "2013-11-23T03:50:59Z")
Private Employer HSA, which is going up roughly $1 every four weeks from this year’s rates. Premiums are still less than 20% of what it pays toward my prescriptions and basically less than I spend on a few day’s lunches every two weeks, so I’m pretty freaking happy with it. ---
**Author:** ![Hey\_Hey\_Paula](https://avatars.discourse-cdn.com/v4/letter/h/85e7bf/32.png) [@Hey\_Hey\_Paula](https://boards.straightdope.com/u/Hey_Hey_Paula)\ **Post date:** [November 23, 2013, 4:00am UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/18 "2013-11-23T04:00:03Z")
We had our open enrollment meeting yesterday. I work for a small business, less then 50 employees. Our previous health plans (Kaiser and Health Net) were “grandfathered” so nothing really changes from last year, except the premiums went up a bit, of course. Employer covers 90% of employee cost and 50% of spouse/other dependents. ---
**Author:** ![carnivorousplant](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/carnivorousplant/32/3563_2.png) [@carnivorousplant](https://boards.straightdope.com/u/carnivorousplant)\ **Post date:** [November 23, 2013, 4:05am UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/19 "2013-11-23T04:05:14Z")
> [@Hey\_Hey\_Paula](#): > > Employer covers 90% of employee cost and 50% of spouse/other dependents. Wow! ---
**Author:** ![Antinor01](https://avatars.discourse-cdn.com/v4/letter/a/ecae2f/32.png) [@Antinor01](https://boards.straightdope.com/u/Antinor01)\ **Post date:** [November 23, 2013, 4:08am UTC](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547/20 "2013-11-23T04:08:14Z")
Same plan I have now, at least through June. After my severance package runs out, we’l see. I’ll likely go on my SO’s plan. [Next page](https://boards.straightdope.com/t/2014-what-type-of-health-care-plan-will-you-have/674547.md?page=2)