Obamacare, Take Two

…aspirin, and call your doctor in the morning. If you can find one.

Actually, this Take Two is an Obamacare second year look. I went to healthcare.gov to see what was what, after I’d done a couple of comparisons last year.

The good news is that the Web site works much more smoothly now. The bad news is that the Web site works much more smoothly now.

Taking advantage of that smoothness, I looked at some Gold plans offered in my area. As before, I selected Gold because that coverage comes closest to what I get through my wife’s employer. The failures of these plans still exist: coverages I don’t want and don’t need are forced on me (I told my doctor at my last annual that I wanted my IUD. I was paying for it, and I wanted what I was paying for. I told her that it didn’t matter where she stuck it, it was likely to fail, and I’d be back in a couple of weeks for a replacement. She chuckled over that.)

Every Gold plan offered—all seven of them—had premiums plus deductible plus out-of-pocket caps totaling in the neighborhood of $17k per year. Every year. I’d pay all of premiums and deductibles before any plan paid a single penny of my expenses, and I’d still have those caps. Certainly, that’s down from last year’s nearly 27 stacks, but still…. Those costs also are for only one person, even though I’d told ObamaMart that I was looking for coverage for two.

I can’t get a Catastrophic plan in my area anymore. Recall that last year, I could get one that—after premiums plus deductible plus out-of-pocket caps—would generously pay 60% of my costs. No more.

I looked at the down-rated Silver plans, too; there are 11 offered in my area now. Total costs ran from $19k to $23k. For coverage of one person.

There are 7 Bronze plans for me; these cost in the neighborhood of $20k. ‘Course, the folks buying these are likely to be subsidized, so they won’t be paying those 20 stacks. You and I will. In addition to the $17k-$23k (depending on our plan) we’ll pay for our own coverage.

It just doesn’t get any better than this. At least while Obamacare is in the way.

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