As of January, 2016, our Healthcare provider has notified us that our rates will more than double. They increased by almost 20% from 2013 to 2014. The coverage amount in many areas has decreased (less prescriptions covered, procedures allowed), and has increased in areas in which we will not be utilizing- pregnancy care, mental health care services, etc.
Our deductible has increased, as well as our out-of-pocket (O.O.P.).
We are now facing paying $16,800 in premiums alone, with a $6000 deductible per person, $12,500 O.O.P. If we were to have a severe medical emergency, we would be potentially looking at almost $30,000 to pay out. This is not acceptable. We are a healthy family of four, take diligent care of our bodies, and make under $200,000 annually. We are by no means “wealthy”. Our family works hard to make what we have. How is this justice, forcing some families to pay 16% of their income towards mandated healthcare, while others pay nothing at all through subsidies? This system penalizes those who have worked hard to better themselves.
There is no logic in not having every single American citizen pay on some level for care they receive, barring the elderly and disabled. Those who do not have skin in the game will not appreciate nor respect the care they receive, and are far more likely to abuse it (trips to the ER for cold or aches). We were told by our provider that our rates will likely continue to climb annually. We will lose our incentive to better ourselves financially as a nation, until all citizens take some level of personally responsibility. Taking from those deemed “fortunate” (middle class in this case) and handing to others is simply not a sustainable system.