I had to switch to my husband’s health insurance last year because I was getting no coverage at work during the budget crisis. While I could tolerate this situation for myself, I couldn’t allow my infant daughter to spend even a day uncovered.
My husband’s insurance is a lot worse than the one I had through the state of Illinois. It’s 3 times more expensive and the deductibles for everything are sky-high.
I have finally understood the reason for Illinois’s constant budget troubles. With pensions that even their recipients are saying are ridiculously generous* and these unparalleled health benefits, no wonder the state is sinking. The system seems engineered to make people hate state workers.
Of course, I’m not going back on the state insurance because it’s very clear to me that the whole thing is unsustainable. And I don’t want to be anywhere near it when it all collapses like it almost did a year ago.
*It’s hard to explain why anybody should be able to retire on a full pension at 55 after working in a very non-life-threatening job. It’s even harder to explain why anybody’s taxes should cover this sort of indulgence.