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View Diary: My pre-existing conditions pricing me out of Obamacare in California (149 comments)

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  •  When you consider that health insurance is (2+ / 0-)
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    stellaluna, nzanne

    deductible (as a self-employed person, it's lowering both your income tax and your social security/self-employment tax), but your out of pocket medical expenses are not, you may find that a more generous plan actually costs you less money in total.

    When I've purchased plans, there are some that have prescriptions as part of the deductible and pay nothing until the full deductible is met. I ran screaming from one of those - it was exactly wrong for my family and cash flow. There are others that have high deductibles but that have a co-pay on all prescriptions from the first one in the first month, with most typical prescriptions being for example $10 generic and $35 brand name. Your co-pays count towards the out-of-pocket maximum.

    Look around, run some numbers, talk to that agent you mentioned.

    Good luck!

    Fry, don't be a hero! It's not covered by our health plan!

    by elfling on Fri Nov 01, 2013 at 02:43:38 PM PDT

    [ Parent ]

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