Name:   Talullahhound - Subject:   Healthcare question Date:   10/7/2016 11:52:19 AM

With all the discussion about the inadequacies of the ACA, I started thinking about what would good health insurance look like?

In the interest of full disclosue, I am covered by what some people think is the "gold-plated" health insurance available to current and former federal employees. (the premiums are going up on average 6.2% next year).  It is affordable, and it provides reasonable coverage for basic health care services.  My deductible is $375.  But it gets complicated by in-network Drs., versus out of network Drs., and for the most part, every year it pays a little less than the going rate for medical procedures, and the rates go up every year.

1.  How much would be a reasonable cost a month for health insurance?  What would be a reasonable deduction? 

2.  What would it cover?  Pre-existing conditions, catastrophic illness, specialists?  Would it have a cap on these costs? 

3.  Who would provide it?  Your employer?  Would you buy it yourself?  Could groups be created for insurance purchases?

You get the idea.  Anyone want to think this out and provide some thoughts?