For months, the Obama administration has heralded the low premiums of medical insurance policies on sale in the insurance exchanges created by the new health law. But as consumers dig into the details, they are finding that the deductibles and other out-of-pocket costs are often much higher than what is typical in employer-sponsored health plans.
Until now, it was almost impossible for people using the federal health care website to see the deductible amounts, which consumers pay before coverage kicks in. But federal officials finally relented last week and added a “window shopping” feature that displays data on deductibles.
For policies offered in the federal exchange, as in many states, the annual deductible often tops $5,000 for an individual and $10,000 for a couple.
... By contrast, according to the Kaiser Family Foundation, the average deductible in employer-sponsored health plans is $1,135....
A study by Jon R. Gabel and colleagues at NORC, a research organization affiliated with the University of Chicago, found that 65 percent of employees in group health plans had higher-value coverage that would be classified as gold or platinum under the Affordable Care Act.
Mark A. York, a 60-year-old freelance writer in Hailey, Idaho, said he began shopping after he received a letter saying that his current insurance policy would be canceled because it did not meet the requirements of the health care law. In the exchange, he said, he found policies with premiums similar to what he is now paying, $440 a month, but “the deductibles were so high — $4,000 to $6,000 a year — that it defeats the purpose of having insurance.”OBAMA PROMISED IT WOULD LOWER PRICES ON AVERAGE $2500.
NOW, WE FIND OUT IT RAISES THEM - FOR MANY BY SEVEAL THOUSAND!
HE LIED AGAIN.
OBAMA IS A MISERABLE, LYING, INCOMPETENT PIECE OF CRAP.
THEY SHOULD REPEAL THIS AWFUL LAW.
AND OBAMA SHOULD RESIGN.
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