As of October 1, 2013, the best option may be to have NO insurance.
The cost of premiums., including high deductible plans, will become prohibitive for most people and their employers.
The obamocare objective seems to be to bankrupt the insurance companies and usher in the Single Payer system. Not good, no way, no how. The AMA is complicit.
It seems that a lot of people may follow this strategy:
Reduce your earnings, substantially.
If you have a minor issue, pay cash. Try to assess the cost effectiveness for anything substantial. Then, if it is cost effective, get the insurance, get treated and stiff the hospital.
You are not likely to have the ability to afford insurance, either way. Start smoking. That should drive your insurance costs way up to the point that you should be able to pass the means test to avoid the insurance costs and still get treated, without the government penalties. The means test may be around 8% of your annual income.
Your boss is not likely to have the ability to pay your insurance for you, anymore.
by Wendell Potter
April 1st, 2013
Those accustomed to obtaining health insurance through the workplace and choosing among different types of policies may be in for a rude surprise.
Increasingly, employers of all sizes are eliminating choice and offering only high-deductible plans — euphemistically referred to in the insurance world as consumer-directed health plans or HDHPs.