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Old 03-10-2018, 07:37 PM   #115
Downeast
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Quote:
Originally Posted by lobstadanca View Post
Frustrated with the available health insurance costs and options...Seeking recommendations for an affordable private health care plan (2 retired adults not eligible for Medicare yet), not on the health care market place. Our current plan (Anthem Blue Cross/Bronze) is doubling in cost again next year.
Not seeking a new agent, but asking opinions to find reasonable coverage that allows us preventative care, a reasonable deductible and the ability to use our current local doctors, specialists and unlimited hospitals.



You can voice your complaints with the online form through the NH Department of Insurance, that is if you are speaking of healthcare within NH. Barbara Anderson is the one you would want to reach out to.

You are not alone regarding the cost of coverage, high deductible and lack of insurance providers in NH. I believe there are only 3 for NH, Anthem, Harvard Pilgrim and I believe Tufts.

Nonetheless, the bottom line is, the insurance companies are passing along the cost to the clients due to the lack of government subs. Thus the cost needs to be absorbed somehow and therefore is passed down to you and I. Most everyone has been been hit with over a 40% increase. Some as high as 57% for GA. Premiums for others have doubled.

The short term plans that many flocked to in years past, though not ACA compliant, have been waved goodbye in NH. Some were not renewable.

There are some cost sharing ministry plans such as Aleracare that, to my knowledge are ACA exempt but are quite possibly not governed by any sort of law. There may not be the entire case though. A critical care supplement may need to be purchased too.

All in all, there are not many options. Sadly you need to have insurance, but the deds. are, for most, are over 5,000. Typically 6500. But, try to reach out to NH Dept Of Insurance. They are the ones that make all of the decisions for how we get our healthcare and such for the state.
Hope this helps.
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