What you refer to as "gold plated" is really pretty minimal compared to what everyone had 30-40 years ago. It's pretty minimal compared to what a lot of people had 10 years ago. It's nearly impossible to get a comprehensive plan that isn't at least a PPO, and it's actually more common to have an out-of-pocket maximum in a high-deductible plan, these days, than a regular plan.
And it may be the only thing that's available to someone who's coming over from COBRA or another policy. To be eligible for open enrollment, you have to have been uninsured for a certain period of time. Not everyone wants to take that risk.
ETA - Also, I'm 50. Expect your insurance to go up by 35-40% every time you hit a milestone age.
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Thread: Insurance Question?
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08-22-2010, 09:36 AM #8
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Last edited by OakLeaf; 08-22-2010 at 09:56 AM.
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