The Unaffordable health insurance act

Shannon Wendt of Michigan details her problems with “affordable.” She’s in an Americans for Prosperity ad, one of those that Obama and Reid say are lying. Link

Their 2013 plan: $221 monthly premium, deductible of $5,000, 20 percent coinsurance, $10,000 out-of-pocket maximum, and no lifetime or yearly maximums. The plan did not include maternity care, because the Wendts decided it was cheaper to pay those expenses in cash. It did cover any complications involved in pregnancy or childbirth, such as an extra tests or procedures.

Their 2014 plan: $381 monthly premium, $10,000 deductible, 30 percent coinsurance, and $17,000 out-of-pocket maximum. The plan could cost nearly $10,000 more than the previous plan, Wendt says. Also, the plan does not meet ACA standards and will be canceled at the end of 2014.

An ACA-compliant plan that fits the family’s needs: $981.49 monthly premiums, $2,800 deductible, 20 percent co-insurance, and a $12,000 out-of-pocket maximum. The plan, quoted to her by Blue Cross Blue Shield of Michigan, would raise premium costs more than $8,000.