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Health Insurance Plan Faces Questions Of Affordability

Some Say Deductible Too Tough

POSTED: 4:38 pm EST March 5, 2007
UPDATED: 6:27 pm EST March 5, 2007

The state's landmark health insurance plan continues to face daunting questions of affordability.

NewsCenter 5's Amalia Barreda reported Monday that on July 1, every adult resident of Massachusetts is required to have coverage, but the price of the policies may be beyond what many people can pay.

Linda Tyler and her husband, Wayne, bought Ed's Place Diner in 1995 and have never been able to afford health insurance. The new plans announced by Gov. Deval Patrick this weekend, with the lowest premium costing $175 a month plus a $2,000 deductible, doesn't fit their budget either.

"The deductible is tough. We raised our prices back a little bit ago hoping that would help us with insurance, and then our rent was increased right away," Linda Tyler said.

"We did lose our parking, which has had a big impact on business. I mean, there's weeks where we're struggling to get by here," Wayne Tyler said.

The advocacy group Health Care for All is encouraged by the plan but said much work remains to be done.

"The real answer, we think, is to attack the basic cost of health care that are just going out of sight. Drug companies are getting more and more, hospitals and procedures are costing more and more. And so what's needed is a comprehensive look at the cost of medical care," said Brian Rosman of Health Care for All.

Even though they already work seven days a week, the Tylers said they're going to extend their hours to see if that will make the numbers work. If not, they said they're going to have to talk about closing down and getting full-time jobs.

"I'm definitely worried, and I guess there is a certain amount of sadness, not just for me but for people that are in the same boat as I am," Linda Tyler said.

"We are not getting any younger. We have no pension like everyday people have, so we really have to look at things and decide if we can stay in business," Wayne Tyler said.
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