Monday, January 14, 2013
CT Insurance Exchange standard plan proposal too expensive for consumers
The draft standard plan proposal for the CT Health Insurance Exchange includes copays of $40 to $45 for a physician visit (CT 2011 average $23.79), $150 ER copays, and deductibles up to $3,000 for individuals and $6,000 for families (CT 2011 average $1,331 and $2,500 respectively). Better, more affordable plans are currently available in CT on eHealthInsurance.com. It is important to note that the Exchange will be marketing their plans to CT’s uninsured, who couldn’t afford the more reasonable options available now. In what is becoming standard process for the Exchange, the proposal was developed by Exchange staff with industry insiders in non-public meetings. The draft was open for public comment until today but it was never released to the public or posted on a public website. Some Exchange Board members didn’t know anything about the process. Click here for our comments.
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I have taken note that of all kinds of insurance, health care insurance is the most marked by controversy because in the clash between the insurance cover company's need to remain profitable and the client's need to get insurance cover. Insurance policy companies' commissions on health plans are incredibly low; hence some businesses struggle to gain profits. Thanks for your concepts you discuss through this website.
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I notice that it is always becoming more difficult to obtain affordable health insurance. There is a Utah health insurance company that is tackling this problem by adopting a model similar to credit unions.
ReplyDeleteWe will see how healthcare reform, healthcare subsidies, and state insurance exchanges will affect other Utah health insurance companies. This company will most likely provide better rates than most. I included a link to their website below.
http://www.archeshealth.org/
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