Oller renewed 59-year-old Ruby Atkins’s Obamacare coverage just after lunchtime on a Tuesday. Atkins and her husband received a monthly tax credit that would cover most of their premium. But they would still need to contribute $244 each month — and face a $6,000 deductible.Atkins said she had insurance before the Affordable Care Act that was significantly more affordable, with $5 copays and no deductible at all. She said she paid only $200 or $300 each month without a subsidy.The deductible left Atkins exasperated. “I am totally afraid to be sick,” she says. “I don’t have [that money] to pay upfront if I go to the hospital tomorrow.”Atkins’s plan offers free preventive care, an Obamacare mandate. But she skips mammograms and colonoscopies because she doesn’t think she’d have the money to pay for any follow-up care if the doctors did detect something.
So basically Ms. Atkins pays $244 a month for a chance to pay less than $6000 for care. She actually skips the preventive care because it might put her on the hook for $1000s of out-of-pocket costs. Everyone talks about how Obamacare increased coverage, and had subsidies to help you pay premiums, but that $6000 deductible is outrageous. Why have insurance if you are going to have to pay full freight for almost everything anyway? That is why Obamacare has been a disaster and needs to change.