Do you love your health insurance?

[jessilin0113]

I don't necessarily want to debate the merits of M4A but one of the points detractors make is that it will cause you to lose the health plan you love. I've had several different health plans in my adult life and the best I can come up with is "it's fine". I say that with the added caveat that I and my kids are fortunate enough to be relatively healthy and we haven't needed to utilize it beyond yearly check-ups and an occasional quick care visit. But im curious if people genuinely love their insurance.

[jas]

I love mine. ALL aspects from mental health coverage to chronic disease care.

[Oliviasmom72]

Mine is ok. I don't love it but its not terrible. Something needs to be done about prescription drug prices if anything, even if there is no M4A. I am on prescription assistance for my stomach med and I pay 0. Their income requirements are pretty liberal.

I am grateful I am healthy at 47. I have a couple nuisances I need to manage but nothing life threatening and if took a little better care of myself, lost weight and not active again my health would improve. I do not smoke and drink very little. My eating habits suck though.

My ex is a pharma rep and he carries the kids. Overall they are very healthy.

My employer sponsored plan is decent plus there are many prescriptions which are totally free and do not get lumped in with deductibles. So my asthma inhalers are free. My employer also contributes to my HSA which helps with my $1500 deductible. Last year I met my deductible and paid almost nothing towards the end of the year for my allergy sots and other stuff.

[Lemons]

I love mine. ALL aspects from mental health coverage to chronic disease care.

Do you get it through a job?

I like mine now because I no longer get it through an employer. When we used to get it through employers we had no choices at all. They would change it every year, they were always trying to save money. I had to change pediatricians once because the pediatrician dropped my insurance and my own doctor twice because I had to change insurance due to job change.

We don’t have a great system. Some people have everything they need. Some have thousands in deductibles and only a few doctors as options.

[caustib]

I've never had any issues and its affordable. Love is not really the feeling, but I'm satisfied with it.

[WellPreserved]

We had a choice of multiple insurance plans and we chose the one that offered the best coverage and still fell within what we thought we could afford. Beyond that, I don't have a personal relationship with my insurance.

If a plan were offered tomorrow that had similar coverage for less money or more coverage for the same amount of money, we'd change in a heartbeat.

[Lemons]

I don't necessarily want to debate the merits of M4A but one of the points detractors make is that it will cause you to lose the health plan you love. I've had several different health plans in my adult life and the best I can come up with is "it's fine". I say that with the added caveat that I and my kids are fortunate enough to be relatively healthy and we haven't needed to utilize it beyond yearly check-ups and an occasional quick care visit. But im curious if people genuinely love their insurance.

It took me awhile to figure out what the heck m4a was! I think fear of change is a big problem. People couldn’t handle ACA even when it didn’t affect them.

[mommy_jules]

Love is a strong word, but we have pretty good health insurance. DH is a teacher, so we get our insurance through his job...PEEHIP. I had cancer as a teen, so we’ve made good use of the insurance. (I see several specialists and have yearly MRIs) DH mentions quitting teaching every now and then, and honestly losing our insurance is a big concern of mine. With that being said, vision, dental, and behavioral/mental health aren’t covered as well.

[Baconqueen13]

Love? No, but we are in overall great health and hardly utilize it beyond immunizations and physicals as it is. I think we've had 2 minor ER visits needing stitches and that's only because they happened after regular business hours so the walk-in and urgent care were both closed. I'm sure if anyone in the family were chronically ill our insurance would flat out suck but it fully covers the preventative care and that's what we generally use it for.

[Deleted User 172]

We had a lot of changes this year regarding our company health insurance. We switched from Cigna to UHC and fully funded to self funded.
The plans remained almost exactly the same, we have 3 tiers and you can pick which one you want to be on. There's a $0 premium tier with high deductible. A lower (80-100 per paycheck for individual) premium tier with medium deductible and a high premium low deductible tier.

I don't use the health insurance enough to have strong feelings about it.