Despite the fact we started with Liberty Healthshare, and most of our earliest posts provide a tremendous amount of detail on Liberty, it’s worth rehashing the highlights as we head into 2019 (as a formality at least!). The main thing that’s changed is the cost so let’s compare last year to where things currently stand:
|
Year
|
Monthly Share Amount
(Comparable to the Monthly Premium)
|
Annual Unshared Amount
(AUA – Comparable to the Deductible)
|
|
2018
|
$450 for a family with parents 30-64 years old
|
$1,500 for a family
|
|
2019
|
$529 for a family with parents 30-64 years old
|
$2,250 for a family
|
Beyond the change in price there aren’t many changes for 2019:
- $1M per incident is eligible for sharing
- Pre-existing conditions are not covered in the first year but coverage can be phased in over multiple years (see guidelines)
- Prescription drug coverage is not included (although the SaveNet program offers a discount we found less competitive than programs already offered by name brand pharmacies and GoodRx.com.
This is a quick recap of the plan that we would go with from Liberty Healthshare. If you are an individual, couple, or interested in plans from Liberty you can find a lot more details by visiting Liberty’s website.
Are you considering Liberty in 2019? If so, do you have any questions or concerns you’d like feedback on? If so, leave a question and we’ll try to answer it (and if we can’t I’m sure someone else will)!
