Wednesday, February 29, 2012

Health-insurance dictates arenít free


My medical insurance premiums have skyrocketed because of Obamacare.

I have an individual insurance policy with Blue Shield of Idaho. My premiums have gone up from $280 a month to $450 a month in the last two years. That's a 62 percent increase. I have a $7,500 deductible. So rather than paying $3,360 a year for $7,500 worth of insurance, I'll have to pay $5,400 a year for $7,500 worth of insurance.

Why the increase? It's the American "Affordable" Health Care Choice Act. What a crock! This morphing bureaucracy forces me to pay even more for other people's health care. Who knows how many charges are in the pipeline! Things like mandating insurance companies to provide policies that pay for birth control is a direct example of taking money out of my pocket to pay for other people's medical costs. It's not free.

I don't work outside the home and have been personally responsible, nearly all of my adult life, by purchasing catastrophic health insurance. I assessed the risk and chose my option. I can't afford the type of policy that is being mandated by AAHCA.

A catastrophic policy is affordable to me because I'm covered if something expensive happens. I have co-pays for six visits to see my doctors per year, plus drug co-pays for some drugs. The visits, drug expenses and annual exams are covered but are not part of the deductible. That means my premiums cover the cost of those exams and expenses.

Every time President Obama mandates some kind of coverage, a clear sop to buy votes, my premiums go up. Things like birth control should be paid for by the person taking the birth control, not me. These mandates explode the cost of medical insurance premiums that everyone pays. What's next, "free" vitamins or "free" health club memberships?

I'm responsible for purchasing my health insurance. I should have the option to purchase insurance that fits within my budget.

Julie Lynn

Ketchum




About Comments

Comments with content that seeks to incite or inflame may be removed.

Comments that are in ALL CAPS may be removed.

Comments that are off-topic or that include profanity or personal attacks, libelous or other inappropriate material may be removed from the site. Entries that are unsigned or contain signatures by someone other than the actual author may be removed. We will take steps to block users who violate any of our posting standards, terms of use or any other policies governing this site. Use of this system denotes full acceptance of these conditions. Please review the full rules governing commentaries and discussions. You are fully responsible for the content that you post.

The comments below are from the readers of mtexpress.com and in no way represent the views of Express Publishing, Inc.

You may flag individual comments. You may also report an inappropriate or offensive comment by clicking here.

Flagging Comments: Flagging a comment tells a site administrator that a comment is inappropriate. You can find the flag option by pointing the mouse over the comment and clicking the 'Flag' link.

Flagging a comment is only counted once per person, and you won't need to do it multiple times.

Proper Flagging Guidelines: Every site has a different commenting policy - be sure to review the policy for this site before flagging comments. In general these types of comments should be flagged:

  • Spam
  • Ones violating this site's commenting policy
  • Clearly unrelated
  • Personal attacks on others
Comments should not be flagged for:
  • Disagreeing with the content
  • Being in a dispute with the commenter

Popular Comment Threads



 Local Weather 
Search archives:


Copyright © 2020 Express Publishing Inc.   Terms of Use   Privacy Policy
All Rights reserved. Reproduction in whole or in part in any form or medium without express written permission of Express Publishing Inc. is prohibited. 

The Idaho Mountain Express is distributed free to residents and guests throughout the Sun Valley, Idaho resort area community. Subscribers to the Idaho Mountain Express will read these stories and others in this week's issue.