USA Healthcare Costs are Ridiculous

[osu1991]

Pissed off at the crappy healthcare costs

My health Insurance renewal for 2027 just came in. Going from $827 a month to $1,187 a month. Deductible going up a $1k to $9,350. Max out of pocket also going up $1k to $11,000. Doctor co-pay of $40. Urgent Care co-pay $50. ER 50% coinsurance after deductible. That's all in network. Out of network is double, should it be needed.

Have to think about this. I'm really tempted to just go without now. I only go to the doctor once or twice a year. I pay out of pocket for Tirzepitide and can do without the Rosuvastatin (crestor) now. Really tired of spending over $10k a year and getting nothing out of it.

After years with Blue Cross I switched last year to Ambetter as my Blue Cross premium was going from $1200 to $1800 for a Silver plan and the Bronze plan was still going to be $1300 at BCBS. Ambetter was $827 for the same coverage with a Bronze plan. Didn't think it would jump this much so soon.

I'm guessing a Silver plan is probably over $2,000 a month for 2027.

 

[harshness]

Such is the way all forms of insurance are going.

On the Rx side, make sure you've looked into discount plans like GoodRx, RxSaver, and maybe even TrumpRx (there are quite a number of them).

 

[vazhog]

no worries soon you will no longer need to pay for health care as it will be Medicaid for all -and you will be able to save all those monthly payments.

 

[AZ.]

no worries soon you will no longer need to pay for health care as it will be Medicaid for all -and you will be able to save all those monthly payments.

That will be hard as Medicaid is being cut by 1 trillion dollars over the next 10 years?

 

[b4pjoe]

Pissed off at the crappy healthcare costs

Are you employed with no work insurance or that is what you are paying for your workplace insurance? Or is that through Healthcare.gov? Retired? Eligible for medicare?

 

[vazhog]

that cut is only for illegals to get off the rolls and I was being sarcastic before -

 

[telstar_1]

The 2030s will likely bring renewed health reform

 

[osu1991]

Are you employed with no work insurance or that is what you are paying for your workplace insurance? Or is that through Healthcare.gov? Retired? Eligible for medicare?

Started my own business in 2006, been self employed for 20 years this year.

 

[meStevo]

that cut is only for illegals to get off the rolls and I was being sarcastic before -

Even sarcastically it's wrong. Undocumented immigrants already weren't eligible for federal Medicaid, so there's no one to "get off the rolls." The immigrant-related pieces are a small part of the ~$1 trillion. They cut the federal match for emergency care from 90% to the state's regular rate and end eligibility for some lawful immigrants like refugees. Most of the "savings" come from work requirements, more frequent eligibility checks, and provider tax limits, which hit citizens.

Either way, the cost doesn't disappear. It shifts to states, hospitals, and everyone else's premiums and will only serve to make issues like those raised in this thread worse.

 

[dishstaller]

Undocumented immigrants already weren't eligible for federal Medicaid, so there's no one to "get off the rolls."

That's only part correct. Actually I had to look it up to make sure. There is NO Federal money going to Medicaid for illegals but there ARE some states that use State money to pay for Medicaid for illegals. Here's the list

• • California: Covers all income-eligible undocumented adults. [1, 2]
  • Colorado: Covers specific adult demographics (with upcoming budget caps in 2027). [1]
  • Illinois: Covers specific adult age brackets. [1]
  • New York: Covers specific adult demographics. [1]
  • Oregon: Covers all income-eligible undocumented adults. [1, 2]
  • Washington: Covers specific adult demographics. [1, 2]
  • Washington, D.C.: Provides adult coverage through the D.C. Health Care Alliance. [1, 2]

 

[meStevo]

That's only part correct. Actually I had to look it up to make sure. There is NO Federal money going to Medicaid for illegals but there ARE some states that use State money to pay for Medicaid for illegals. Here's the list

• • California: Covers all income-eligible undocumented adults. [1, 2]
  • Colorado: Covers specific adult demographics (with upcoming budget caps in 2027). [1]
  • Illinois: Covers specific adult age brackets. [1]
  • New York: Covers specific adult demographics. [1]
  • Oregon: Covers all income-eligible undocumented adults. [1, 2]
  • Washington: Covers specific adult demographics. [1, 2]
  • Washington, D.C.: Provides adult coverage through the D.C. Health Care Alliance. [1, 2]

Fair point, but it's consistent with what I said: no federal Medicaid money goes to undocumented immigrants. Those programs are state-funded, so the federal ~$1T cut can't touch them. Whatever states decide to do with their own programs is a separate budget decision.