Blue Cross, Blue Shield of NJ (“BCBSNJ”) is New Jersey’s largest insurance provider accounting for somewhere between 55-65% of all New Jersey residents insurance wether through work or your own means you live in NJ chances are you have them.

Well the rates for Oct 2013-2014 have been unveiled and there’s a $100-$300 increase across the board.  Reduction of coverage on almost every single plan type Blue Cross offers New Jersey residents.

If you previously had the “Horizon EPO Essentials Plan” you now are stuck with a $6,500 deductible you likely will never use in a calendar year and paying out of pocket for literally everything.  But hey, you have insurance and aren’t getting fined right?

Here is an outline of what I can expect now from the “basic essentials package” …

You will notice the use of a four-letter word here I call “the deductible”

Here’s the break-down of all of the plans.  Notice the base “essentials” plan really really sucks.  $6,500 deductible?

I’m thirty.  When the hell will I ever need THAT much medical care?