Comment by Aaronontheweb
Comment by Aaronontheweb 2 days ago
I only keep this plan because we're planning on having children, so yes, it's included in the pricing decision.
Comment by Aaronontheweb 2 days ago
I only keep this plan because we're planning on having children, so yes, it's included in the pricing decision.
Did you try reading the lengthy section of the article where I answered your question?
I skimmed your 2400-word article a second time just now, and I still don't understand why your math is allocating 100% of your family's health insurance premiums to childbirth. And now I additionally don't understand your abrasive tone in answering this fairly straightforward question.
Multiple commenters are raising this point, so perhaps you should consider that you aren't conveying this information well?
1. I mentioned, in multiple places, that this is the cheapest PPO offered to me through a limited selection of potential brokers / marketplaces - and that's important because it covers our current health care providers AND child birth as a benefit.
2. If we weren't trying to have kids, our options for purchasing health insurance expand drastically. Individual marketplace plans become a viable, for instance, since the "not covering childbirth" issue goes away. I mention the short-comings of the individual health insurance marketplace at least twice in this regard, including a big pull quote explaining the ACA work-around with child birth coverage.
That doesn't make sense to me. Are you saying your health insurance premiums would be $0 if you weren't planning on having children?