{"id":1787,"date":"2016-01-27T13:46:53","date_gmt":"2016-01-27T18:46:53","guid":{"rendered":"https:\/\/medicarereport.org\/?p=1787"},"modified":"2016-01-27T13:46:53","modified_gmt":"2016-01-27T18:46:53","slug":"consumers-cut-costs-by-combining-limited-coverage-health-plans-despite-penalty-risks","status":"publish","type":"post","link":"https:\/\/medicarereport.org\/?p=1787","title":{"rendered":"Consumers Cut Costs By Combining Limited Coverage Health Plans, Despite Penalty Risks"},"content":{"rendered":"<p>(By &#8211; Michelle Andrews, Kaiser Health News)<\/p>\n<p>Last fall, Shalonda Brown decided she\u2019d had it with paying nearly $1,000 a month for a family health, dental and vision plan through her job at an independent lab in Dallas. Casting about for an alternative, she checked out individual family plans on healthcare.gov. No dice: Their income was too high to qualify for subsidies and comparable coverage wouldn\u2019t be any cheaper.<\/p>\n<p>So Brown instead cobbled together three different policies that each provide limited coverage for her, her husband and 2-year-old daughter: <a href=\"http:\/\/khn.org\/news\/michelle-andrews-on-short-term-health-plans\/\" target=\"_blank\">a short-term plan<\/a> with a $10,000 deductible that provides up to $1 million in coverage for just under a year; <a href=\"http:\/\/khn.org\/news\/more-employers-offer-plans-that-provide-lump-sums-for-critical-illnesses\/\" target=\"_blank\">a critical illness plan<\/a> that pays a $20,000 lump sum if one of them is diagnosed with invasive cancer, heart attack or stroke; and a dental plan that provides $1,000 in coverage. The total monthly tab: $390. <a href=\"http:\/\/khn.org\/news\/consumers-cut-costs-by-combining-limited-coverage-health-plans-despite-penalty-risks\/?utm_campaign=KHN%3A+Daily+Health+Policy+Report&amp;utm_source=hs_email&amp;utm_medium=email&amp;utm_content=25603322&amp;_hsenc=p2ANqtz-8_5HTtRt-mYG8ov2PuhTooerbynJs2lmUDZKnxVsMpLd_X_eZiSib-slk7w3V3kKqRXmwEURMPhcXtL_Aic9PAgSEgVw&amp;_hsmi=25603322\" target=\"_blank\">Read more&#8230;<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Kaiser Health News\u00a0is\u00a0a nonprofit national health policy news service that is part of the nonpartisan Henry J. Kaiser Family Foundation.<\/p>\n<p><a href=\"https:\/\/medicarereport.org\/wp-content\/uploads\/2015\/10\/khn-logo1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-899 \" src=\"https:\/\/medicarereport.org\/wp-content\/uploads\/2015\/10\/khn-logo1-300x156.png\" alt=\"khn-logo1\" width=\"92\" height=\"48\" srcset=\"https:\/\/medicarereport.org\/wp-content\/uploads\/2015\/10\/khn-logo1-300x156.png 300w, https:\/\/medicarereport.org\/wp-content\/uploads\/2015\/10\/khn-logo1-1024x533.png 1024w, https:\/\/medicarereport.org\/wp-content\/uploads\/2015\/10\/khn-logo1-390x205.png 390w, https:\/\/medicarereport.org\/wp-content\/uploads\/2015\/10\/khn-logo1.png 1600w\" sizes=\"auto, (max-width: 92px) 100vw, 92px\" \/><\/a><\/p>\n<pre><strong>Notice<\/strong>: The link provided above connects readers to the full content of the posted article. The URL (internet address) for this link is valid on the posted date; medicarereport.org cannot guarantee the duration of the link\u2019s validity. Also, the opinions expressed in these postings are the viewpoints of the original source and are not explicitly endorsed by AMAC, Inc.; the AMAC Foundation, Inc.; or medicarereport.org.<\/pre>\n","protected":false},"excerpt":{"rendered":"<p>(By &#8211; Michelle Andrews, Kaiser Health News) Last fall, Shalonda Brown decided she\u2019d had it with paying nearly $1,000 a<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,12],"tags":[],"class_list":["post-1787","post","type-post","status-publish","format-standard","hentry","category-affordable-care-act-aca","category-health-care-general"],"_links":{"self":[{"href":"https:\/\/medicarereport.org\/index.php?rest_route=\/wp\/v2\/posts\/1787","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/medicarereport.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/medicarereport.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/medicarereport.org\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/medicarereport.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1787"}],"version-history":[{"count":1,"href":"https:\/\/medicarereport.org\/index.php?rest_route=\/wp\/v2\/posts\/1787\/revisions"}],"predecessor-version":[{"id":1788,"href":"https:\/\/medicarereport.org\/index.php?rest_route=\/wp\/v2\/posts\/1787\/revisions\/1788"}],"wp:attachment":[{"href":"https:\/\/medicarereport.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1787"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/medicarereport.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1787"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/medicarereport.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1787"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}