Ask the Readers: What Do You Want in a Health Insurance Plan?
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- Comment #15 Health Care Submitted by Going Broke on March 30, 2010 - 14:15. I'm not sure what is the correct answer. Currently, 30% minimum of my take home pay goes towards paying into our HSA and the premium for my DH. I attempted to get him a separate policy. They came back with a quote of under $300/mo. When I told them he had diabetes (well controlled - meds have been lowered and may be eliminated), hypertension (under control) and hyperlipidemia (under control), they said they wouldn't insure him. No higher quote or anything, just plain "no." He can't get insurance through his work as they don't offer it. Our insurance plan is changing next month to a 20/80 pay and tiered RX. We have a $3,000 deductible each.
I have a chronic genetic disorder. I didn't acquire it through unhealthy living. I was born with it. If I leave/lose my job, I may not be able to get insured again. DH can't get insurance now either. He says to drop him off of my insurance and save $700.00 a month but we can't do that because 1) he'd probably never get an insurance company to cover him again and 2) we'd never be able to pay the healthcare bill if he were to be hospitalized for complications from his diabetes/hypertension/hyperlipemia.
What I'd really like in health insurance is to not have my premium/deductible be equal or more than what is recommended for a person to budget for a house payment (30%).
This past week has sparked a lot of debate regarding the health care bill and what people want vs. need in a health insurance plan. All politics aside, we want to know what matters most to you. Portability? Affordability? Quality? If you had to choose one aspect of a health insurance or care plan, what would be non-negotiable?
Our bloggers have addressed the health care issue many times here on Wise Bread. We've discussed why we like high-deductible plans, the truth about dental discount memberships, the health of your current plan, and why you may want to decline your employer's plan.
What are your thoughts? Keep things civil, and tell us what your #1 plan offering would be. If you've blogged about healthcare recently, feel free to link to your post or article! Share your thoughts, either below in the comments or on Twitter, and you could be entered to win one of two Amazon gift cards!
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We're doing two giveaways — one for random comments, and another one for a random tweets.
How to Enter:
- Post your answer in the comments below, or
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At the end of the drawing, we'll update this post to include (and link to) all of your helpful responses.
- Contest ends Friday, April 2nd at 11:59 am CST. Winners will be announced after April 2nd on the original post and via Twitter. Winners will also be contacted via email and Twitter Direct Message.
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