Wednesday, December 11, 2013


So , just finished reading an article in the Washington Post about Obamacare.  And it talked about something I hadn't considered.

Yes, I've considered that next year my employer might decide to ditch its employees and send all of us to the exchanges.

I've considered the more likely option that our spouses will be ditched, sending them out to the exchanges.  And because the exchanges require the reporting of total family income (even if it's just one member of the family applying) my husband wouldn't qualify for a subsidy even though he only works part time.  Unless we got a divorce.  How completely insane is that?

SO not cool.

But then I read the Washington Post article.

It's about prescription drug coverage.  And how one measure of cost cutting could come in the form of requiring the patient to pay more of the cost of "expensive" or "name brand" drugs.   Now, we do that already.  From the article:

"As the details of the benefits offered by the new health-care plans become clear, patients with cancer, multiple sclerosis, rheumatoid arthritis and autoimmune diseases also are raising concerns...
The easiest way [for insurers] to identify a core group of people that is going to cost you a lot of money is to look at the medicines they need and the easiest way to make your plan less appealing is to put limitations on these products,” Boutin said."
 Four examples listed.  I have two of those.  RA has generics that are nice and cheap.  So that's easy.  But diabetes... that's another story.  There are no generic insulins out there.  Why?  Because the FDA has yet to set standards that allow companies to make generic biologics.  Even though patents on some insulins expired over a decade ago.

I wan never a fan of Obamacare.  I like the idea of open markets with HSAs and the patient/doctor driving the treatment.   But this socialized medicine insanity just makes me sick.

For the coming year, we'll be stable.  But when the employer mandate kicks in and the folks who coordinate our health insurance benefits look at the numbers, I shudder to think what kind of hole we'll find ourselves in.