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Has the Economy Made You Change Your Health Insurance Coverage?

Has the Economy Forced You to Change Your Insurance Coverage?

California's largest health insurance provider, Anthem Blue Cross, has been in the news a lot lately, and it's not positive coverage. The company first made news when it proposed rate hikes of up to 39 percent for existing customers. Then, California state investigators found the company guilty of more than 700 violations, including failure to pay claims on time and low-balling customers in settlement discussions.

In regard to the proposed rate increases, Blue Cross defended itself by saying that in tough economic times, healthy people low on cash elect to cancel their insurance, leaving a higher proportion of expensive-to-insure people, therefore warranting an increase. Going without insurance is a risky move, but if spending hundreds of dollars a month on coverage isn't an option, it's tempting for someone who's relatively healthy to drop it. I spent two months of my adult life uninsured, and felt like I was walking on eggshells the entire time! Luckily I stayed healthy and didn't get in any accidents those two months I was without coverage, but it's a health gamble I don't recommend.

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Allytta Allytta 6 years
I'm from UK, free health care. But if I was in US I have no idea what I would have done.
Spectra Spectra 6 years
We haven't had to change our coverage at all. It's a pretty good plan overall.
insanitypepper insanitypepper 6 years
I'm shelling out over $400 a month right now for COBRA for me and my husband. I only have a few months left at the subsidized rate before the price goes up to more per month than my mortgage, so I need to start shopping around for a better deal.
Frenched Frenched 6 years
I kept my original coverage. I'm glad that in these hard times I am lucky enough to have health insurance.
GlowingMoon GlowingMoon 6 years
No, thank goodness. We have excellent insurance coverage, and I have the best doctor.
sourcherries sourcherries 6 years
Wish I could afford ppo with Blue Cross, etc, but am with KP. It's not bad.
Lavinie Lavinie 6 years
i had kaiser - which i loved but those monthly payments caught up and i couldn't afford it anymore so i switched to blue anthem - but there was a minute in between when i was without insurance and i felt like i was walkign on eggshells too. not fun.
kclulu kclulu 6 years
I kept the same coverage but my deductable went from $1,800 to almost $3,000. I won't have much help for small, everyday medical issues but if there is anything serious my insurance pays for everything after $3,000 so at least I don't have to worry about that. I find I don't go to the Doctor for some things though that I maybe should get checked out because I don't have the money to pay for things that may end up being a couple of hundred dollars. It is frustrating.
lawchick lawchick 6 years
We haven't switched anything up. My boss pays for my health insurance, and I have to pay $600 (!!!) for my husband's through my job. It's so high, but great coverage (Blue Cross Mississippi)
socalbeachgal socalbeachgal 6 years
I wouldn't go without health insurance, it's too expensive if you get sick.
imLissy imLissy 6 years
We added on because we got married :P I have terrible insurance and now it's even worse because I put my husband on my plan. Our deductible doubled to $2400 and I pay $60 a month. Worth it for piece of mind I guess.
lovekailua lovekailua 6 years
No insurance going on 4 years now. I pay for catastrophic but I'm not covered for anything so if something doesn't feel right, too bad, because I can't afford to go to the doctor to get things checked.
le-romantique le-romantique 6 years
Unfortunately, I was under my mother's (Kraft/Nabisco), amazing cover, but alas.. I graduated Grad school in November and it effed me (actually, I originally went to grad school - ended up switching online to work more in my field - to hold off paying student loans so I could continue to work/Save AND have my moms health care... gotta love the US economy!) So now I have no insurance and its horrible, especially because I'm only 21 and working freelance in the entertainment industry as an audio engineer... BUT i knew this was coming, so last Sept-Nov I made sure to get everything done that I needed to (all check ups, dental work, etc) to save me. Worked out nicely, but now if I get sick or hurt, I'm screwed.
Vanonymous Vanonymous 6 years
In my state (MA), health insurance is mandatory. If you are not insured every month of the year, you get fees when you file your state taxes. I would never risk going without health insurance anyways though.
Autumns_Elegy Autumns_Elegy 6 years
We kept our coverage, we didn't know when it would come in handy, and we're glad we did cause I had to get my wisdom teeth out!
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