Lisa really doesn’t have time to shop around for insurance. She works as a division manager for a large corporation. Her company offers insurance coverage, but she wants to make sure she’s getting the best deal. So she visits the exchange. For the most part she’s healthy, and she keeps herself that way with regular checkups. She takes thyroid medication and needs regular lab work.

Her household consists of just her, and her salary of nearly a hundred thousand dollars places her well above the threshold for tax credits.

Even though she’s busy, she spends about half an hour on her lunch break and filled out the information on the website. Soon, she was able to review her choices. She had the information from her employer next to her, and that made it easy to compare the plans.

For the most part the plans had much the same coverage. Her company offered plans comparable to the Gold level through the exchange. Some plans had better coverage, some a little worse. But in the end, she decided to stick with the insurance offered by her employer because they covered half of the premiums.

Had she chosen, there was nothing that would have stopped her from buying on the exchanges. She made enough money that the tax credits weren’t an issue. She had freedom to buy insurance where she wanted to. In fact, the only thing that made her decision was the fact that her employer paid a large part of the premium. In spite of that, she was happy with the choices on the exchange and feels good about her insurance purchasing decision.

Now that we’ve finished looking at some example scenarios, I’d like to go deeper into how insurance works. Our future blogs will be discussing all areas of health insurance. My goal is to make sure that you know exactly what you’re purchasing and how it will (or won’t) work for you.

Jeffrey Nordella M.D.
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Jeffrey Nordella M.D.

For over 25 years, Dr. Nordella has served patients in the Santa Clarita and the San Fernando Valley and has a long history of confronting the Anthem Blue Cross’ business practices which focus on profit instead of facilitating access to quality healthcare and treatment for patients. After a 10-year litigation history with Anthem, Dr. Nordella was successful in receiving a favorable judgment--something the LA Times stated had not been done by a solo practitioner in over 25 years. He is currently the Medical Director at Porter Ranch Quality Care in Porter Ranch, California.
Jeffrey Nordella M.D.
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