Why would someone like me get health insurance? I’m starting to think that it just doesn’t make sense for me.
I’m a very healthy person. I go to the doctor once a year for a physical exam and get basic blood work done. My doctor usually looks at me and asks, “What are you doing here?”
I have had a health plan for a few years that I buy on the individual market. My monthly premium payments add up to much more money than my one yearly office visit costs, but I have the insurance just in case my doctor discovers something seriously wrong or I get in an accident.
My monthly premium has gone up by 30% this year. I got onto the healthcare.gov site to see if I could find a more affordable plan. Nope. There were plans that had a slightly lower premium, but they had much higher deductibles. The bottom-line is that my out of pocket costs increase under Obamacare no matter what plan I enroll in.
I’m starting to think that it just doesn’t make sense for someone like me to have health coverage. It’s cheaper for me to pay for my yearly check-up and pay the fine for not having insurance, than to pay a higher monthly premium and/or deductible.
I’ll just wait and get coverage if I am ever diagnosed with cancer or something serious. You see, that would then be a pre-existing condition. It’s against the new law to deny coverage to people with pre-existing conditions.
Why pay all that money now if I’m not ever sick? This is why Obamacare will never work. It just doesn’t make sense.