In various UHC threads around here, I often bring up my HSA, and no one seems willing to address it. So I started my own thread.
The background: My family has a high-deductible insurance policy. It has a $10,000 yearly deductible for the family as a whole, no annual or lifetime limits, and costs us $256.67 per month. In addition, we make $250/month deposits into an HSA.
The reason we went with the HSA is because my husband’s insurance costs $660 per month for the family, and while it covers medical care, it does not cover dental or vision. And, with per visit co-pays of $25, and prescription co-pays of some higher amount, the costs per month well exceed the cost of the HSA/HDCP plan we chose.
Now, of all the reading I’ve done, and by studying the careful language of the “grandfather clause” in the House bill, it appears that the HSA/HDCP will go the way of the dodo, since the premiums will go way up, and then be unaffordable.
Here’s why I’m feeling screwed: We’re doing The Right Thing. We’re involved in our health care decisions, we take care of ourselves, and we are careful to make sure we can cover our health care costs. And we are lucky - none of us really need medical care, just occasional check-ups. What we do need is vision and dental.
So, once we get the revised premiums from our HDCP company, we’ll be forced back onto hubby’s employer plan. Which costs $100+ more per month. Which does not cover what we need, and means for this family, we’d need to come up with an additional $1500-2000 per year for our eyes and teeth.
Now, based on our income and geograpgic location, we are almost the definition of “middle class”. We’re paying attention to what we need to do medically and economically, and use only the most basic of government services, like the roads and police services. We have no access to government help, on either the low or high income levels.
So: Why is it okay for us to be getting screwed on UHC, and what answers do you have for my family when we have to put off new glasses for another few months?