Today was the day I was going to buy healthcare. Three days before the deadline. But I didn't. Ironically, I've supported National Healthcare since the early 80s. It's come back to bite me.
First stop was the Highmark store. Online they had the cheapest plans....which were not cheap. At least not to me. I was there 2 minutes. They had several computers all set up to healthcare.com. I told them I did that research at home and I wanted to talk to a human. That wouldn't be possible until after April 1. Say what? The deadline is Monday. I was not happy and stormed out without even saying thank you. Chock one up for customer service.
Next stop, Capital Blue. The atmosphere was so different. The receptionist took some basic information, offered me a seat, and I waited. There's a restaurant, kids area, exercise area, and a health testing machine. I'm sure there are other things. No less than three people offered me water or coffee. I waited less than 10 minutes for a sales rep.
First she told me it was already too late to get healthcare for April 1, even though the deadline is the 31st. Clearly they don't mention that on the commercials. I think this is what the Highmark person attempted to tell me, but very poorly. Any coverage bought today would be valid May 1, and you'd pay the penalty for one month. Of course they offered short term policies for the gap. The experience was better, but the quotes were high. Really high.
While there I found out the difference between HMO and PPO. Remember I haven't had insurance in 15, maybe 16 years. HMOs were in their infancy. Heck, there was no employee contribution. Or a small one.
When I returned home, I decided to bite the bullet and log on to the AARP's healthcare site. Guess what? They no longer offer full healthcare policies for people under 60. Just supplemental ones.
I think I am in the doughnut hole. I make too much money for subsidies. But make too little money to pay the full rate. I need a job that has benefits. Or at least a group plan.
The bottom line. I won't be buying healthcare. I will pay the penalty. The most it will be is $500 for 2014. Then I have a year to figure out plan B before the penalty spikes. Hopefully they come up with a "Safe Auto" type policy for people like me. If they don't I'll have to bite the bullet and buy. To do this, I will need to stop being a ATM for people in financial trouble, stop racing and other crazy events, and pretty much use all my disposable income.