Rod Coons and Florence Peace pay $403 a month for a family health plan that covers barely any medical care for either of them until he or she reaches $10,000 in claims in a given year. And that’s just the way they like it.
“I’m only really interested in catastrophic coverage,” says Coons, 58, who retired last year after selling an electronics manufacturing business in Indianapolis. Beyond their premium, the couple typically spends no more than $500 annually on medical care, Coons says. “I’d prefer to stay with our current plan.”
That won’t be an option next year. In 2014, plans sold on the individual and small-group markets will have to meet new standards for coverage and cost-sharing, among other things. In addition to providing 10 so-called essential health benefits and covering many preventive-care services at no cost, plans must pay at least 60 percent of allowed medical expenses and cap annual out-of-pocket spending at $6,350 for individuals and $12,700 for families. (The only exception is for plans that have grandfathered status under the law.)
Plans with $10,000 deductibles won’t make the cut, experts say, nor will many other plans that require high cost-sharing or provide limited benefits — by excluding prescription drugs or doctor visits from coverage, for example….
So I’m screwed, because I’m one of those self employed individuals who has a no-frills plan that provides mainly catastrophic coverage so I don’t go broke in the event of a devastating illness. I don’t want to pay for insurance that would cover routine office visits, mental illness treatment, much less be forced to fund the latest Orwellian scheme they are calling “behavioral health.”
Of course it’s a lie. It came out of Barack Obama’s mouth, didn’t it?
The point of Obamakare isn’t to provide affordable medical care. It is to coopt one sixth of the economy and concentrate power and control over it in the hands of the Washington Ruling Class. Medical outcomes or personal insurance preferences have never been the issue here – the only concern of those who foisted this monstrosity on us is, and always has been, advancing the primacy of the Marxist/progressive state.
Leviathan has been a long time building, but with Obamacare, it will finally reach its full growth – at which point it will devour our few remaining liberties, and the long night will descend.