Insurance is expensive. You probably already knew that.
Eighteen months have passed. I’m forced to get coverage on my own. This is among the most confusing things I’ve ever done!
First the good news. Under the Affordable Care Act, aka Obamacare, I can buy insurance! How that would have worked out before, considering my back surgery two summers ago and my age? All I know is, I’m insurable.
My beef with Obamacare is it doesn’t go far enough. Why do we bother with private insurance? Why must we confuse everyone? The rest of the world seems to prefer a single payer system. Seniors seem happy with Medicare.
There are too many choices.
Let me refine that. There are more choices than there are distinctions. It’s impossible to see what’s different between various policies without being a statistician or actuary. I’m pretty math savvy and my head is swimming!
In the past we depended on insurance to help beginning with dollar one. Now, I’m wondering how important ‘dollar one’ really is. Are we better off ‘self insuring’ for common medical problems and letting insurance kick in at big dollar amounts? How much out-of-pocket can I take?
Within the next day or two we will reach a decision. I wish it was a more educated decision.