We are a sole proprietor business with no employees. This year my husband qualifies for Medicare, leaving us only needing health insurance for me. For a catastrophic plan with a high deductible, it is over $800 a month. In a year, that is $9,600 for the premiums. Then you have the $5,000 deductible for a total out of pocket of $14,600 before you see any benefits beyond preventative care. If I decide to go without insurance, the penalties get figured on the total household income even though we are paying the extra Medicare plans and policies for my husband. Last year we took a chance and went without health insurance. I had a fairly standard blood test done that cost $760. A family member had the same test with insurance and the negotiated charge to Blue Cross was only $51! Two years ago this same test was only $300 without insurance. Alaska’s health care costs for both insurance and services are out of control.
Denali Flying Service