Skip to main content

Firstly, let me include a snippet of background about me. I have a full-time job and I am also a full-time student. As someone who is extremely busy and someone who is fortunate enough to already have health insurance from their employer, I haven't looked into the health care exchange. But, as the exchange enrollment date approaches, I’ve gotten curious about what health care through the state exchange would cost me if I wasn't already insured.

My employer offers 3 healthcare options. I have the middle-of-the-road plan, for which I pay about $149 per month and have a $20 co-pay for most doctor visits. The better plan is a bit more expensive, has a lower co-pay, and has a wider “network” of available doctors. There is also a Health Savings Account (HSA) plan, which my employer has been trying to encourage people to switch to. As a young, quite healthy person it is something I’ve thought about. Though after considering the many healthcare horror stories I’ve heard, I decided not to take the risk of being stuck with an insurmountable hospital bill because I wanted to save a few bucks. I want to break for a moment to acknowledge how lucky I am to be in a position to make that choice. As a side note, I just want to mention that thanks to Obamacare, I could even be on my parents’ health plan until I’m 26 next year.

But now to the interesting part: based on my age, income, and location the monthly premium through Minnesota's exchange, MNSure, for the "Platinum" level of coverage, which "must cover 90% of expected costs for the average individual" is $151. Two whole dollars more than I currently pay for my employer-sponsored plan. I haven't seen all the details of the specific plans to make every comparison, but from what I can tell at this point a similar individual could get a (potentially) better plan for only $2 more per month than what I pay.

I know this story is purely anecdotal. However, it gives me some reason to doubt Senator Cruz when he says “Obamacare is the single biggest job killer in America.”

I'd encourage other people to at least check out your options with your state's exchange, or the federal exchange if your state chose not to create one. In either case, that information can be found at healthcare.gov

NOTE: I had to edit this diary because I was under the false impression that I qualified for the state exchange. As Ian S quickly pointed out in the comments, as someone with affordable insurance through my employer that is not the case. In any case, I still thought the diary was useful with a few corrections.

EMAIL TO A FRIEND X
Your Email has been sent.
You must add at least one tag to this diary before publishing it.

Add keywords that describe this diary. Separate multiple keywords with commas.
Tagging tips - Search For Tags - Browse For Tags

?

More Tagging tips:

A tag is a way to search for this diary. If someone is searching for "Barack Obama," is this a diary they'd be trying to find?

Use a person's full name, without any title. Senator Obama may become President Obama, and Michelle Obama might run for office.

If your diary covers an election or elected official, use election tags, which are generally the state abbreviation followed by the office. CA-01 is the first district House seat. CA-Sen covers both senate races. NY-GOV covers the New York governor's race.

Tags do not compound: that is, "education reform" is a completely different tag from "education". A tag like "reform" alone is probably not meaningful.

Consider if one or more of these tags fits your diary: Civil Rights, Community, Congress, Culture, Economy, Education, Elections, Energy, Environment, Health Care, International, Labor, Law, Media, Meta, National Security, Science, Transportation, or White House. If your diary is specific to a state, consider adding the state (California, Texas, etc). Keep in mind, though, that there are many wonderful and important diaries that don't fit in any of these tags. Don't worry if yours doesn't.

You can add a private note to this diary when hotlisting it:
Are you sure you want to remove this diary from your hotlist?
Are you sure you want to remove your recommendation? You can only recommend a diary once, so you will not be able to re-recommend it afterwards.
Rescue this diary, and add a note:
Are you sure you want to remove this diary from Rescue?
Choose where to republish this diary. The diary will be added to the queue for that group. Publish it from the queue to make it appear.

You must be a member of a group to use this feature.

Add a quick update to your diary without changing the diary itself:
Are you sure you want to remove this diary?
(The diary will be removed from the site and returned to your drafts for further editing.)
(The diary will be removed.)
Are you sure you want to save these changes to the published diary?

Comment Preferences

Subscribe or Donate to support Daily Kos.

Click here for the mobile view of the site