Working as nutritionists and personal trainers, Stacey and Eddie Albert live relatively healthy lives, rarely needing doctor’s care.
The couple was covered by Blue Cross Blue Shield of New Jersey and paid about $360 per month in 2013 — the ideal plan that fit their lifestyle. However, this drastically changed when Obamacare was put into place.
Their plan changed to $650 per month, covering pediatric dental and maternity services. But there was a problem; the couple didn’t have the need for these extra services. They decided to drop the plan, living without any coverage.
The couple owns a gym alongside her husband, and does not quality for Obamacare’s federal subsidies.
“It took care of what we needed,” Stacey said. “We didn’t use it that much. We just don’t want to pay for all that coverage,” she continued.
Stacey and Eddie recently enrolled in a $700-per-month policy; a $340 difference from their plan in 2013. While they decided that being uninsured was too risky, they want to go back to their plan before Obamacare.
Republicans believe Americans have the right to decide what benefits that want to purchase. The GOP health care bill was designed to rid of insurers providing only comprehensive coverage.
Tom Buxton, 59, of Littleton, Colorado, said regarding Obamacare, “They made the Affordable Care Act so ridiculously overbuilt that it’s killing people like me who pay for it.” He continued, “I don’t need two doctor visits a year unless I want them. That should be my choice. I didn’t go to the doctor for five years.”
Buxton, a self-employed business consultant, paid $666 per month for a plan for him and his wife, Jennifer. The couple paid a $3,000 each before coverage began. They paid out-of-pocket for the small amount of medical issues they experienced.
“I was trying to find [a policy] that didn’t cost me $1,000 more for less coverage,” he said.
The couple currently pays $560 per month with a $5,000 deductive between them. The downside is that this does not cover pre-existing conditions for the past three years; Buxton is forced to pay for a hip replacement and shoulder surgeries he received last year.
For Greg Silvestro, a real estate agent and gym owner in Tampa, his plan pre-Obamacare and the one he discovered on the Florida exchange in 2017 were alike. They both have deductibles around $7,000, however, there was one major difference. Silvestro had to pay more than three times as much for his Obamacare plan than his previous one per month.
“To me, it’s the same thing: catastrophic coverage,”
Silvestro signed up for the Obamacare plan with grief, however the price increase caused him and his wife to altar their spending habits and standard of living.
Since signing up for the expensive premium, he has joined Medi-Share and now pays $180 per month with a $5,000 deductible.
“The bottom line is the fact that the coverage of all these plans is basically the same for me,” he said. “However, the cost of Obamacare is substantially higher.”
(H/T CNN Money)