steppinthrax
New Member
- 5
I'm currently employed and I'm reviewing my options for the next open Enrollment Period (November) for medical. I'm in my mid 30s and for the past 10 years or so no one in my family (wife, myself, 2 kids) have had any major medical issues (other than general checkups and sick visits).
However, I pay thru my employer around 220.00 per pay period for a HDHP (high deductible health plan) with an HSA. This health plans really only covers doctor visits. The deductible is 8K. I make over 130K a year and my combined family is around 150K.
To be frank it's complete bullshit. To be even more frank the costs of health insurance plans have gotten out of control since ACA.
Anyway, Since Trump has removed the individual mandate, I was searching thru private health insurance online and seeing temp medical insurance for 160 or so a month. It includes 50 copay for doctors and is missing many things I don't need or I can get elsewhere for free (flu shots, maternity benefits, birth control).
The problem is that it's only good for 3 months, however it says I can re-apply after 3 months. Based on some new rule thru trump, I'm reading that Trump may be dropping that 3 month req and pushing it up to 36 months for short term health. I read the only issue with re-applying every 3 months is that any costs you pay for med will be wiped out and that short term can deny you for a pre-existing condition that spans over 3 months by the next re-application.
So I guess my question is could I simply just keep re-applying every 3 mos again and again and again.
In addition what are some tricks on getting cheaper medical. I understand there are now "medical packages" that are cheaper, but it's only about 100 dollars less than what I'm currently paying thru my employer.
However, I pay thru my employer around 220.00 per pay period for a HDHP (high deductible health plan) with an HSA. This health plans really only covers doctor visits. The deductible is 8K. I make over 130K a year and my combined family is around 150K.
To be frank it's complete bullshit. To be even more frank the costs of health insurance plans have gotten out of control since ACA.
Anyway, Since Trump has removed the individual mandate, I was searching thru private health insurance online and seeing temp medical insurance for 160 or so a month. It includes 50 copay for doctors and is missing many things I don't need or I can get elsewhere for free (flu shots, maternity benefits, birth control).
The problem is that it's only good for 3 months, however it says I can re-apply after 3 months. Based on some new rule thru trump, I'm reading that Trump may be dropping that 3 month req and pushing it up to 36 months for short term health. I read the only issue with re-applying every 3 months is that any costs you pay for med will be wiped out and that short term can deny you for a pre-existing condition that spans over 3 months by the next re-application.
So I guess my question is could I simply just keep re-applying every 3 mos again and again and again.
In addition what are some tricks on getting cheaper medical. I understand there are now "medical packages" that are cheaper, but it's only about 100 dollars less than what I'm currently paying thru my employer.