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What is Your Health Insurance Going to be Like in the Near Future?

I try to keep up with everything that is going on in the state of Tennessee as far as health insurance is concerned.  And one thing I keep coming back to is… I just have no idea what my health insurance is going to look like this time next year.  There is so much uncertainty, and so many things that have yet to been resolved, it is just too hard to tell.

The federal government is not telling us anything as far as exactly how the health insurance exchanges are going to operate.  The state of Tennessee recently rejected the option of running our own health insurance exchange.  That means the federal government will be providing the exchange for us… and that scares me.  The government has never really been any good at running anything.  And now they are going to run over 30 different state’s health insurance exchanges?!?!?!  That’s a lot of different health insurance plans from states with many differing regulations on health insurance.  I just have my doubts that our federal government will be able to pull it off.

And our own state legislature has made efforts to go it alone with the Health Care Compact Bill.  But that bill failed for a second year in a row, and I’m really not surprise.  It was also presented with a lot of “what if’s” and did not seem to solve many, if any, problems.

I was out with some friends for dinner the other night, and the subject of health insurance came up.  I asked everyone if they knew how the new healthcare law was going to impact their health insurance options in 2014.  Not one person could say for sure that they knew exactly what their health insurance was going to look like next year.  For myself, a Health Savings Account owner, I’m worried my plan is going to be phased out.  Or even worse, the premiums are going to rise so high I won’t be able to afford to keep it.

I have a friend who owns a small business with a little over 50 employees.  She has not offered health insurance in the past to her employees, and that has never effected her ability to hire and retain workers.  They actually like working for her company and manage health insurance on their own.  Now she is going to be forced to buy health insurance for them, and they don’t even really want it.  She’s not sure what she is going to do.

Another one of my friends works at a large firm.  He has always had very good health insurance.  Well, I say “very good” because it pays for every little thing he does when it comes to health insurance.  He has no sense of what things cost when it comes to health insurance, he just knows his co-pay for anything and everything is $20.  But he’s heard that next year his share of the overall cost is going to go up, and he’s not sure if he’s going to be in a co-pay situation or some kind of “out-of-pocket” situation.  He didn’t seem to worried, but he also didn’t know.

Well, it should be interesting heading into 2014 to see how this whole healthcare mess plays out.  I’d be interested to hear if you know what your health insurance is going to look like in 2014.  What kind of situation are you in with the new healthcare law?

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eTNHealthinsurance
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Memphis, TN 38111
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