I recently interviewed for an informatics job at a facility I used to work at 2 years ago as a bedside nurse. I hated it over there, I'll be honest, but I would like to gain some experience in informatics before I graduate from the program I am enrolled in. If I were to get offered this position, I would most likely take it, because there just aren't any analyst positions at my current facility. The one thing that concerns me about moving back to the other facility is the health insurance issue.
I do not trust the quality of care at the other facility. Every floor is constantly short staffed. So God forbid I would need to be hospitalized there, I know I would not be well taken care of. I also do not trust the doctors over there. Unfortunately, if I were to get this job and I choose to take their health insurance benefits, I would be limited to that facility only and the providers of that facility. With that in mind, I started looking at my state's marketplace just to see what is offered for individuals who cannot or will not get employer insurance coverage. It's depressing.
There were so many plans last year, and now there are only two companies offering plans. Both companies' plans include my current facility in their network, but all plans offered either cost more per month or have a high deductible, or both. The benefits being offered by all plans are even worse than the plans of last year as well. No dental or vision coverage, no "wellness" reimbursements, no gym membership reimbursements, and co-insurance costs have gone up. A lot of people are so screwed next year in my state because the pickings are incredibly slim. Because I live in a state with its own exchange, I am not able to look at plans offered on the federal exchange.
I really hoped the exchanges set up in my state and by the feds would enable more freedom in moving jobs. I hate to be limited to the facility I work in, when searching for providers. But this insurance issue is one that will now factor heavily into whether I want this job or not, if I get an offer. I am very healthy, and have not used any benefits at my current facility. But where I am right now, if I need surgery or got sick, I feel like I would be in good hands. I just can't advance anywhere though, and if I choose to go to the crap facility, I would not be able to get care at my current facility.
Honestly, we need single payer insurance. We can't be held hostage to insurance companies and the facilities we work at like this. I am fairly confident the next president will get more done than Obama has. She's basically a stone cold B, and will probably be more effective in getting past the gridlock of the Republican controlled Congress. With the massive dissatisfaction with the insurance exchanges, the next President can make her case for single payer insurance. At least that's what I hope. It can't happen fast enough though.