I haven't posted here for more than five years, but I think my experience with healthcare.gov may be noteworthy.
For a monthly premium ($125) close to 1/4 what currently we are paying ($450) to insure my wife, we will insure three of us with nominal benefits 18 times better on a per-individual basis.
The Obamacare policy into which we are enrolling has a group (3 people) total deductible ($1500), which is less than 1/6 of the deductible we paid ($10,000) last December for my wife's individual plan.
The new deductible also amounts to 1/6 the deductible we paid in January this year (2013) again -- because a deductible starts anew at the beginning of the year. Take treatment in December continuing into January, and you pay an annual deductible twice in two months, we learned.
Our Obamacare policy has a maximum per family out-of-pocket of $2500 compared my wife's current individual plan maximum out-of-pocket of $12,500. Our new national-scale insurer will be new to this tiny (population) state. And no "pre-conditions" to lock us in to any plan we already have or lock us out of a new plan we might prefer. Competition!
Our story under the fold.
