I went to look at open enrollment for health care plans (yes, my company is doing it late), and find that they've lowered the employer contribution by $40/pay period. That, with some small increases, means I'd end up paying more than $90 more a month, unless I take a cheaper plan. The cheaper plans, though, have a much higher max out of pocket cost.
I have health issues. There's a good chance I'll max out. But, I might not.
Also, the cheaper plan means paying 100% of office visits 'till I reach my deductible, and then paying 10%--and I have no idea how much that would be.
Really, these plans are only beneficial for people who don't actually use them much. This is going to be a serious impact on my finances whichever I choose. It feels like I'm being punished for having health problems.
I HATE the way healthcare works in this country.