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Northwest Voices

Seattle Times letters to the editor

November 7, 2013 at 7:37 AM

New health insurance doesn’t own up to the hype

Notions that prior plans were substandard is a lie

I want to add to the many voices of people on the individual insurance market who say their health insurance plans were pretty much ruined by Obamacare [“Canceled health insurance plans add to angst of change,” page one, Nov. 3]

Our plans in the past covered our risks very well. In 2014, my insurance premiums will balloon to cover conditions that are non-risks for me. I will pay all costs out of pocket unless I am hospitalized.

Only exchange plans are subsidized, but they all have greatly reduced doctor and hospital networks. The plans might help with some upfront coverage, but without in-network access to specialty centers and research hospitals, they do not insure against financial hardship for the most catastrophic conditions. Regence is now the only provider that offers a broad doctor/hospital network.

Stephanie Marquis, spokeswoman for the state Office of the Insurance Commissioner, believes that our plans were substandard because they didn’t cover our non-risks. I wonder if Stephanie’s homeowner policy covers tornadoes and hurricanes — her non-risks. The state had its own mandates to ensure that our plans were adequate.

I am all for helping people in need, but we should do so as a country, rather than disproportionately foisting the expense onto people in the individual market.

The bottom line is that a law that you have to lie about is a bad law — and yes, the blanket notion that our plans were substandard is a lie.

Teresa Atkinson, Sammamish

Comments | More in Health care | Topics: health care, health insurance

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