Health Insurance Asshattery

- Image by Steve Rhodes via Flickr
Warning: The following post contains some adult language.
I’ve been in a bit of an ill-tempered mood this week, so I decided to put this post on the back burner overnight and come back to it to make sure it wasn’t too ranty. But no, after reading it this morning, I think it entails the proper amount of rant for the situation. I’m pissed off. Thoroughly, and with full justification.
Here’s the situation. I have health insurance. I only went without for a couple of years while I was unemployed. I started out with really good health insurance, actually, but the company (Blue Cross Blue Shield of Georgia) raised my monthly premiums by an average of $50 on an annual basis. I tolerated it for the first few years, but over the last few the increases have been beyond what my budget can handle, and I’ve had to downgrade to a higher deductible, lower benefit plan. Even so, I stayed under the same carrier and even the same member group.
This year they increased my premiums by $60 in March. Today I got a notice that they will be increasing my monthly premium again by $60 in July.
That’s a healthcare premium increase of $120.00/month over the course of less than six months, bringing my premium up to what amounts to a week and a half’s pay.
Now . . . keep in mind that I am in what is probably the best health of my life, where I am neither starving myself as I did in high school or eating mounds and mounds of junk food as I did in college. I eat healthy. I do an hour of high intensity exercise every day. I haven’t been to the doctor in years except for my annual physical, which I get at a sliding fee clinic and pay for out of pocket, because over the last couple of years I’ve been forced to raise my deductible to the point where that is the only way I can afford to go.
The only thing that I have ever used my health insurance to pay for since I have had it was an eye exam and a pair of glasses.
I just did the calculations , and this means that I have paid approximately (and this is on the low end) $12,000.00 in premiums for . . . a pair of glasses.
But BCBS feels justified in raising my premium by almost $120/month over the course of less than six months.
Yeeeeah. I’m tempted to drop my insurance entirely and wait out the five years until the new healthcare regulations go into effect, but at the same time I’m terrified that in the backlash will result in a Republican Congress that will repeal and destroy the one hope I’ve had in years for decent healthcare. The free market system for healthcare doesn’t work. I have health insurance, yes . . . but I still can’t afford to go to the doctor. True, I need it little now, but if I did need it, or goddess forbid, I had an accident of some sort and had to go to the hospital, I would be bankrupt.
Right now I’m looking into the healthcare savings plans offered through my bank, as that may be the best option for me right now. I’ve tried free market health insurance, and all it ever did was screw me up the ass. It’s little more than protection money. I pay through the nose for no benefit whatsoever. It’s time to look into other options. And I think I’ll be writing to the state insurance commissioner. A $120 increase in monthly premiums in such a short time has to raise some red flags somewhere.
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