be thankful you have the option, but keep demanding better.
This can be great or no so great depending on where you live and how much money you make.
We are not going to ask you if you get advanced premium tax credits (subsidies) or even Medicaid (not technically part of the Marketplace) because that is your business.If you do, then we can’t help you much and you don’t need us. The state or federal government pays people to help you, just call them, they are great (but don’t call the health insurance company about open enrollment if you want all the options).
If you pay full price like most self-employed, small business owners, or employees of small businesses not required to provide insurance — or you haven’t enrolled yet but plan to for next year — there are some things you should know. #1 Tip: Just because you have insurance there is no rule that you have to use it. With that high deductible, you will probably pay the same price no matter which doctor you see, so go ahead and see one you want and just pay cash if there isn’t a good one in your network.
Here are some resources that can help:
It isn’t easy, we know.
It’s Time to Take Control.
Health insurance companies, drug companies, physician lobbyists, testing companies, hospitals, private surgical facilities, and device manufacturers (just to start) all want a piece of that sweet healthcare $$. Your local doctor is still your best health resource, but they may be helpless in the face of this tsunami of expenses. It’s time to take control by seeing the whole picture and planning accordingly.