My goal for 2017? Use as little healthcare as possible
How will healthcare change under a new president and political party?
That’s a question I can’t answer. As I wrote in my last post, both candidates had multiple-point plans to tweak/improve/repeal/replace the Affordable Care Act, aka the ACA or Obamacare.
But I don’t know what will change or when.
What I know for sure is that for 2017 my premiums will be 20% more expensive, my co-insurance and co-pays will be higher, and my current primary care doctor will no longer be in-network.
I can and will shop around for a different health insurance provider. Most likely both my husband and I will need to find new doctors. Hey, you do what you got to do, right?
And when I meet with my new physician, I will be sure to tell him or her, “Your job is to help me use as little healthcare as possible.”
Use less healthcare by Choosing Wisely
My husband and I are both healthy and already use very little healthcare (knock on wood). Financially, it makes the most sense for us to continue to buy a bronze-level plan with a lower (although still expensive!) premium and a high deductible ($12,700).
We have to pay out-of-pocket for everything until we meet our deductible, so it’s important we don’t waste our healthcare dollars on unnecessary care.
As I’ve posted about before, A LOT of healthcare, about 30%, is unnecessary.
Unnecessary screening or diagnostic tests leads to unnecessary treatments. Unnecessary drugs being prescribed. Unnecessary surgeries being performed.
By unnecessary I mean tests and treatments where the benefits have not been proven to outweigh the risks and costs.
That’s why I use evidence-based healthcare websites like Choosing Wisely to help guide me in making healthcare decisions for me and my family. I’ve written several posts about Choosing Wisely; read them for more information, or check out their website.
Although I can’t foresee what kind of health policy changes will be made in the next few years, I have no doubt healthcare and health insurance will continue to be expensive.
My plan for 2017 and beyond is to stay informed about the changes that affect me, and continue to do what I can to stay healthy (diet, exercise, stress reduction) and stay out of our costly and crazy healthcare system as much as possible.
And I will continue to share what I learn on my blog!