Dirigo Health: Higher Costs, Reduced Benefits
In this policy brief on Maine's health policy Dirigo Plan, Tarren Bragdon finds:
In just one year, the Dirigo Health Plan has become significantly more expensive for many employees with dramatically reduced benefits.
➜ Many individuals and families pay for extensive health insurance coverage they don’t need or won’t use. Note: Just 20% of insured households will consume more than $2,000 in healthcare services in a given year.
➜ There are significantly less expensive health insurance plans already available in Maine, even for those individuals and families with significant healthcare costs.
➜ Rather than give all the premium dollars to the insurance companies, consumers could purchase cheaper health insurance, put some premium savings in a Health Savings Account, fund their actual healthcare costs, and then fund some of their retirement.
➜ Or, if consumers want to save even more money, they could buy health insurance outside of Maine and save thousands of dollars a year.