Comment on This has happened to me

• Sconrad122@lemmy.world ⁨1⁩ ⁨day⁩ ago

  Depends on whether you are buying insurance in the general marketplace or through your employer. The general marketplace might have several dozen options depending on your state. An employer might offer 1-6 options, the selection of which will be different per employer. They vary not just in level of benefits/cost but also where the risk/cost is (high deductible plans mean cost is paid largely as you use medical services. Traditional plans will tend to weight more of the cost in your monthly premiums for a generally more narrow band of potential total out-of-pocket costs, although there are plenty of exceptions to that rule). Different plan structures will also have different methods available for you to cover co-pays and deductibles with money that you put in tax-advantage accounts like HSAs and FSAs. Different employers will have different selections, so one company’s “basic” option might have coverage more in-line with another company’s “normal” option. They will also have different rates depending on the size of the company and the amount the company contributes to the plans, so a comparable pair of plans in terms of benefits could easily triple or more in price between the two of them if they are offered by different employers. Different companies will have different open periods where you can select your coverage for the year (also the time when coverage prices and benefits can be changed by the provider, so you have to pay attention even if you like your current plan). These open periods can range from a month-long with a month’s worth of notice to review the plan options for the next year to a week long with no prior notice (and that week is often scheduled right around the holidays when folks have lots of other thimgs going on). It’s a mess here, do not let your government do anything that makes your system more like ours

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  • PotatoLibre@feddit.it ⁨10⁩ ⁨hours⁩ ago

    Woow, seems quite complicated from here. 😐

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