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View Diary: Woman in debunked Obamacare horror story finally speaks ... to Fox News (232 comments)

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  •  co-pays versus deductibles (0+ / 0-)

    Not sure, but on prior policies I have seen, the co-pay is fixed and  is paid for each type of visit.  The deductible then is paid on a pro rated amount per claim, but I have now seen on the healthcare.gov web site policies that clearly say all deductible dollars has to be paid first -- or at least that is way they appear to be set up.  

    That has stopped at least a couple of people I know from buying because they simply could never meet the deductible in normal circumstances and think the insurance is too expensive even with a subsidy.  

    I realize they are overlooking the possibility of a major illness or accident, but they really don't have the money but make too much to get much of a subsidy, so I could understand their decision to take the risk.

     

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