Damn union put out the health 'special enrollment' numbers but what folks may not have read is that those numbers, even as high as they are for sUA, assumed the smoking credits and spousal 'other insurance' credits. Most don't read the fine print at the bottom of page 7. So, even though the avg health insurance will be $293 for family, that assumes the wife doesn't have other health insurance and that both are non smokers. T5, how much is the credit for the wife having other insurance? I know the credit for non tobacco users is $45 a piece or $90 which would make the $293 family go up to $383. But I don't know how much more the credit is for spousal having other insurance...Do you know? And how much is family dental? Union left all of this stuff off.
Well according to the Medical Preview, the plan I would probably choose would cost about 96.00 per month (0%; 80% coinsurance; 60.00 visit) for myself. It would be 174.00 for spouse/domestic partner. (My kid is an adult and has her own plan thru her job, as well as my wife - she has her own as well. Anything catastrophic happens, I would be covered by her plan, since it's more cheaper in the long run to have separate plans. I'm seeing which would be better. To stay separate or to be covered by her plan) So this is just for me. My dental which would still be MetLife (I do not like Aetna's dental) would be about 36.00 per month (went up 6.00). But that's not listed in the charts. And the non smokers credit is 48.00 per month.
Aetna's Smart Choice, which was a decent plan isn't available this year. The Bronze Plan takes it place, but it has way less coverage and options than Smart Choice.