GreatAndPowerfulNixy t1_j9z0rfw wrote on February 25, 2023 at 4:44 PM

Reply to comment by BostonFoliage in Employer Health Care Not MCC Compliant by SoPoOneO

In this case, the government protects us from the disgusting exploitative practices of private health insurance.

thefenceguy t1_j9zgakm wrote on February 25, 2023 at 6:25 PM

While I would usually agree with a statement like this, unfortunately it has not been my experience. Our micro business is currently paying around $30k year to cover five people (four adults, one child) with a plan that only uses doctors in the BID network. This doesn’t sound too bad, until you realize that there is no way to know that this plan is so restrictive until you are enrolled in the plan. The carrier could not even be bothered to send out a welcome package or proof of insurance cards. The whole thing is a disaster.

We are changing plans to another carrier and to a plan that is more widely excepted, though the new plan is going to cost us another $538/month! It’s awful. It makes me feel like I’m Larry David living in some bizarro world. This new plan still has a $2k/$5k deductable too! Is g odamn crazy. The out of pocket max is like $20k.

GreatAndPowerfulNixy t1_j9zjztb wrote on February 25, 2023 at 6:50 PM

That's a failing of the regulations to prevent it. If your business only has 5 people, you can choose to not offer coverage so they can get significantly better Connector coverage.

thefenceguy t1_ja07w4l wrote on February 25, 2023 at 9:32 PM

For sure. But I like to try and do right by my staff. We only have two employees opting in, the other three people are me and my family. The whole thing is out of wack. It’s even worse when you’re in the lower end of the middle class. The hill becomes very steep, very quickly.