I am a 31 year old male with no pre-existing conditions or health issues. Generally, a year of medical treatment includes a wellness check and maybe one or two additional trips to the doc for common minor illness, at most, and an annual skin cancer screening at a dermatologist.
I currently have a high deductible ($6500) ACA Blue POS plan (with no subsidy) and after the huge rate increases in Louisiana, my premiums are now over $4k/year. My question: I could save about $600/year by switching to a HMOx ($4500 deductible) on Humana but both my doctor and dermatologist wouldn't be in their network. If my annual out-of-pocket costs for continuing to see my current doctors out of network on the HMOx were less than $600, would it seem like a good idea to switch, or are there other factors worth considering, assuming I stay healthy and don't exceed my deductible for the year?
I currently have a high deductible ($6500) ACA Blue POS plan (with no subsidy) and after the huge rate increases in Louisiana, my premiums are now over $4k/year. My question: I could save about $600/year by switching to a HMOx ($4500 deductible) on Humana but both my doctor and dermatologist wouldn't be in their network. If my annual out-of-pocket costs for continuing to see my current doctors out of network on the HMOx were less than $600, would it seem like a good idea to switch, or are there other factors worth considering, assuming I stay healthy and don't exceed my deductible for the year?
