they claim a Silver plan will only pay on average for 70% of expenses of covered benefits......that means I had what a Gold plan would pay and I'll have to pay 67% more for a Silver plan. I'd pay $8481 a year premium and then as much as an additional $6350 out of pocket costs for anything not covered before the limit is reached. That's almost $15,000 TOTAL for even someone only earning $46,000 a year if you have one serious medical incident. That's insurance??? Obamcare is nothing more than wealth redistribution..........I pay a lot more so others pay little or nothing. I'll let everyone know how it turns out when the NY exchange opens.
from that piece:
Bronze Plan The premium amounts above are based on a Silver plan. You could purchase other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).
For example, you could enroll in a Bronze plan for about $7,029 per year (which is 15.28% of your household income). For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.
Out of Pocket Costs Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $6,350. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.
A Silver plan has an actuarial value of 70%. This means that for all enrollees in a typical population, the plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required. |
