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Yet another blog.  Can you believe it;

Good morning:  I am assuming you want to start off your day right by reading my blog.  Just Kidding!!

After reading the previous blog, you may be wondering who and what is going to be on the Individual Heath Insurance and Family Insurance Market this fall?  Clueless in Chandler at this time.  I am watching and talking to not just Insurance companies that are currently operating in the Arizona and specifically Maricopa County, but across the country.

I have found a company that does Individual Health Insurance and Family Health Insurance, BUT, it does not qualify as an Accountable Care Act Healthcare Plan.  So if you were to pick this plan you would still be subject to the penalties, TAX, what ever you want to call it.  However what if it was much less than the Accountable Care Plans on the Market and had a Great National Network?  This plan uses the PHCS Network, which is national network and it is NOT an HMO!  So you would be covered when you are out of state as there are docs in all 50 states and since it is a PPO, you do not need a referral to go to any doctor in their network.  What if the plan had a $5,000,000 life time limit instead of the No Limits on the Accountable Health Care?  When was the last time you or someone you know used $5,000,000 in medical benefits?  Yes it does happen but how often does it happen?  What if regular Maternity was not covered but you could negotiate your prices for delivery knowing that if there were complications, where the real high costs are, you and your child would be covered?

So the real cost for the plan is the cost of the plan plus your penalties.  But you have out of network coverage, in network PPO coverage nationwide, and you don't have to drive to Casa Grande to go to the Hospital and you want more than 17 doctors in your network, would it be worth it?  The real cost may not be more than the cost of current cost of your Accountable Health Care plan when you factor in the much lower rates since the plan does not to meet the same expensive coverage that you probably will not use, even with the penalties added to the cost.

More to come on this and I am also exploring what it takes to opt out of the penalties for not having a qualified affordable care act plan.  Not everyone is required to use Accountable Healthcare and they do not have the penalties.  Next blog, see you then. 

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