Tell me about your health insurance

Tell me about your health insurance March 27, 2017

https://commons.wikimedia.org/wiki/File%3ADoctor_examines_patient_(1).jpg; By Unknown photographer [Public domain], via Wikimedia Commons

Just curious – we all form our opinions only partly by what we read in the news, and to a greater degree by our own experiences.

Do you have employer-provided health insurance?  An individual policy?  Something else entirely?  And how has that changed over the years?

We’ve got a $3,000 family deductible, which we hit once when my middle son broke his arm, and a second time when we had multiple smaller ER visits (two head gashes and a bad splinter after-hours).  And each of those years, we then spent the remainder of the year dealing with elective stuff — I scheduled visits to get some warts removed, my son got some moles removed, etc.

Back when the kids were born, we lived in what seems like a long-ago world, where we had an HMO and paid a $10 copay to cover everything associated with the pregnancy and delivery (plus an upcharge for a private room), and when a kid needed speech therapy, it was covered in full.  But that’s been gone as an option for a while now.

And, of course, we are insured by our employer, and once a year wince at the premiums but are insulated from the total cost, and don’t have good records of year-over-year increases, and once we pass annual enrollment, even the payroll deductions become invisible.

So I’d like to invite readers to share their own experiences, and how it impacts their opinions on healthcare policy.

image:  https://commons.wikimedia.org/wiki/File%3ADoctor_examines_patient_(1).jpg; By Unknown photographer [Public domain], via Wikimedia Commons


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