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View Diary: No 'rate shock' for Obamacare in California (204 comments)

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  •  Deductibles? (2+ / 0-)
    Recommended by:
    sacrelicious, mamamedusa

    I've been to the CA site to check this out and have followed all the CA health care diaries here:

    However, what about deductibles?  

    I've seen premium rates, co-pays, subsidies, and yearly out of pocket, but many plans that are not with a group or employer usually have a deductible, like the minimum I've ever had was $2500.  

    Are there deductibles in these plans?  

    Thanks, sorry, if it's there and i'm missing it.

    Uninsured cancer survivor

    by ArtemisBSG on Fri May 24, 2013 at 12:06:24 PM PDT

    •  Deductibles are income-based... (5+ / 0-) the subsidies are. Those with lower incomes will have lower deductibles, and those who qualify for expanded Medicaid won't have any deductibles at all.

      Where it gets hairy is if your income is >4x the federal poverty level, at which point deductibles and co-pays are around $6,000/year. (Not sure how this is applied to families; i.e., whether it's per family member or the entire family.)

      •  Yikes! (1+ / 0-)
        Recommended by:
        deep info

        So being a single 42 year old lady with the Big C as a preexisting condition and earning about $25,000 a year I might not actually qualify for a subsidy.

        That means I am still out of the game, earning what I earn after rent and utilities and loans leaves me wtih very, very little.    

        As someone stated above Medicaid requirements are Draconian and need to be updated.   There are actually people like me who never had kids and still need help, yet are told if we don't have dependent kids we don't qualify.

        If anyone wants to move with me to the UK or Canada let me know, I might just have to go.  

        Uninsured cancer survivor

        by ArtemisBSG on Fri May 24, 2013 at 12:58:07 PM PDT

        [ Parent ]

        •  No... you'll qualify for subsidies. (1+ / 0-)
          Recommended by:

          The threshold for individuals where subsidies phase out is $45k or so.

          But if you don't live alone it might be a different story, since the subsidies are based on total household income. (And that does screw up some families/households when it comes to the expanded Medicaid.)

      •  WR, my understanding is that 'deductibles' are (0+ / 0-)

        income-based ONLY up to either 200% or 250% (I'm thinking that it's the latter).

        Don't have time to doublecheck on that, now.

        But, unless they've changed that recently, deductibles are NOT subsidized up to the full 400% level.


        "Only he who can see the invisible, can do the impossible."-- Frank L. Gaines


        by musiccitymollie on Fri May 24, 2013 at 02:07:41 PM PDT

        [ Parent ]

      •  Nightmare for doctors' offices? (1+ / 0-)
        Recommended by:

        How in the world do they know, when you walk in for your appointment, what your deductible and co-pay are? Will I have to carry around my tax returns from the past two years?

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