The verdict?
I'm insured!
Apparently it is possible for a young, healthy individual with no pre-existing conditions to fork over a crapton of money each month for health care coverage. Honestly I can't believe how expensive it is, I'm going to be paying over four grand a year for the privilege of continuing to never go to the doctor lol.
My choices were the $25 co-payment plan or the $30/$1500 deductible plan. Both Kaiser, since there was no way I could afford the higher deductible plans offered by Anthem or Blue Shield. Those plans have $5000-$15000 deductibles which makes the insurance pretty much useless.
With Kaiser, there's about $100 difference per month between the plans. But, if we want to have a baby in the future it seems to pay to go with the $25 co-payment plan. With the $25 co-payment plan, a pregnancy and delivery is about $500. With the $30/$1500 deductible plan the same pregnancy and delivery would be about $2500. We're only talking about maybe an $800 difference when you factor in the higher monthly cost, but E felt it was worth it for the time being.
Either way, I'm really glad that I was deemed an acceptable candidate and offered insurance. There are so many people in the US who can't get insurance either due to a pre-existing condition or inability to pay the insane premiums. I'm so thankful that E and I are in a position where we can afford(ish) to pay for decent coverage. This way if I'm ever in an accident or we do decide to add some tiny humans to our family, we won't go completely broke paying for medical bills.
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