Math Challenged? Not For This Health Care!

Health insurance premiums are set to rise by double-digits, with some as or more expensive than a mortgage payment.

That’s the bad news according to Ricardo Alonso-Zaldivar’s AP September 9, 2017 article, “Millions Who Buy Health Insurance Brace for Sharp Increases.”

And, the people it’s most likely to affect are those who, it seems, are often the most overlooked: the middle-class who are not eligible for income-based subsidies. As Alonso-Zaldivar points out, these tend to include “early retirees, skilled tradespeople, musicians, self-employed professionals, [and] business owners.”

One small business owner interviewed for the article outlined the problem in stark terms. She currently pays around $740 per month for her insurance premium, but next year expects it to be close to $1,000.

Another couple (not interviewed for the story) were quoted $1,100 per month for health insurance with a $6,000 yearly deductible — each. That’s a total of premium and deductible combined of $25,200 before they even step foot into a doctor’s office.

Yet another person complained that his insurance provider recently canceled his grandfathered plan, promptly replacing it with an annual premium and deductible skyrocketing from $19,000 to higher than $40,000 per year.

What’s NOT being discussed, however, is that there are options for a health care system that is spiraling out of control.

And here’s one of them.

Investigate alternative ways to cover health expenses, especially major ones such as hospitalization or expensive tests such as MRIs. One example along traditional coverage lines is a so-called “catastrophic” medical policy with very high deductibles and a lower monthly premium. Another avenue is to consider joining a non-profit health sharing community, where expenses are shared among members and coverage up to $1,000,000 can be purchased for as little as $299 a month with a $500 sharing cost (similar to a deductible).

Combine either one of those choices with everyday medical services from a Direct Care practice, which at Still Point costs as little as $100/year and $60 for each visit, and even those of us who are math-challenged can see the benefit.

It’s not just the savings, however. Direct Care at Still Point opens the door to 24/7 access to your own doctor, same or next day appointments, and consultations that can take as long as you need them to. 

Changing a broken health care system is not going to happen with Congress — a group that has difficulty even voting on whether to take a vote. Lasting change, real change, effective change that means something can happen instead with each of us as individuals.

Effecting real change, though, means that each of as individuals must take those first steps with each other and do something.

Photo credit: Joshua Ness, Unsplash

Joshua Ness


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