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Ron Burgundy wrote:$46k or whatever a year is the cutoff for a single person to get subsidized.
But really for a 40 year old person, $325 a month for insurance shouldn't be breaking the bank. A 40 year old should be able to afford $325 a month for something as important as health insurance.
Great point. $325 a month for a good policy for a 40 year old is reasonable, especially when you factor in the tax credit. For example, my individual policy costs me $63 a month and my employer pays around $425 a month. If I were to lose my job and go into extended unemployment or extended part time work while I got back on my feet there would be no way I could go on the COBRA coverage and pay those premiums myself. Obamacare (Mnsure in my case) would be my only shot at getting insurance in that scenario.
That's just it...its not a good policy. IIRC, it was for a policy with a $5000 deductible. The plan was $122 before Obamacare and $325 after. It just doesn't seem to be a good value in my eyes.
And how about the 60 year old with the same shitty ins plan paying nearly $200/mo to help subsidize those who can't pay? If you're a 60 yr old guy making $45K, IMO, you shouldn't have to pay that much for others. This is a burden of assistance which should be transferred to someone with a higher income level.
I was trying to be "Responsible" by having my son double insured when he was born. Had the wifey's group policy as well as an individual policy we purchased ahead of time to cover him that cost about $118 a month.
After a risky pregnancy and 5 days in the hospital, 2 in labor and a C-Section with 3 in recovery, we ended up with enough medical bills left over after the insurance payed its part to push us into bankruptcy. The economy had tanked, I was back in college and our medical bills were something like $2600 a month after we negotiated them.
If I'd been smart I'd have gotten OHP's Healthy Kids program going before he was born and it'd have been 100% covered.
The whole thing was a mess. Tons of stuff got exempted from the max out of pockets and whatnot. The fact that we were double insured didn't help necessarily because one policy covered her and one covered him, etc. The take home point was the insurance companies found every way possible to deny everything they possibly could, and the Hospital, since we had insurance, was billing for everything they possibly could.
The system is utterly broken.
What a nightmare.
Cameron Amps wrote:He's right....I think VTMs sound great....go get one. No nos tubes needed.
Ron Burgundy wrote:$46k or whatever a year is the cutoff for a single person to get subsidized.
But really for a 40 year old person, $325 a month for insurance shouldn't be breaking the bank. A 40 year old should be able to afford $325 a month for something as important as health insurance.
Great point. $325 a month for a good policy for a 40 year old is reasonable, especially when you factor in the tax credit. For example, my individual policy costs me $63 a month and my employer pays around $425 a month. If I were to lose my job and go into extended unemployment or extended part time work while I got back on my feet there would be no way I could go on the COBRA coverage and pay those premiums myself. Obamacare (Mnsure in my case) would be my only shot at getting insurance in that scenario.
That's just it...its not a good policy. IIRC, it was for a policy with a $5000 deductible. The plan was $122 before Obamacare and $325 after. It just doesn't seem to be a good value in my eyes.
And how about the 60 year old with the same shitty ins plan paying nearly $200/mo to help subsidize those who can't pay? If you're a 60 yr old guy making $45K, IMO, you shouldn't have to pay that much for others. This is a burden of assistance which should be transferred to someone with a higher income level.
Just my $.02.
Both you and the 60 year old guy would likely be eligible for the tax credit to help offset the higher premiums and the coverage is better. No lifetime caps and the insurance company cannot drop you because you are sick.
As far as transferring the burden to someone with a higher income level, I agree with you on that. In fact, there are plenty of things I don't like about the ACA. I don't like seeing premiums go up for anyone. If I had my way we would've gone with single payer/Medicare for all.
Cameron Amps wrote:He's right....I think VTMs sound great....go get one. No nos tubes needed.
I finally was able to get into that Obamacare site. I just decided I may continue to work and not retire. My health insurance is much cheaper when I'm working than it will be with Obamacare.
'The world is literally vomiting' ~~Carlos Santana
So please explain to me how being forced to pay $227 a week for a policy with a $10000 deductible is a good thing for me?
Is that what Obamacare is going to cost you? Are you above 55 years old or have serious health problems?
If you don't have insurance, what do you normally do to take care of medical issues?
44 year old healthy non-smoker with a wife and three kids. That is the policy offered by my employer.
While I'm for The Affordable Health Care Act, I think it evil that the cost of Health Insurance (employer provided or otherwise) is so high... especially since Insurance Companies glean grotesque profits off the 99%. If you were unemployed, what would health care, for you and your family, cost under the Affordable Health Care Act?
The cost of health insurance is so high becuase health care costs are really high. It is not becuase of insurance profits. Something may be rotten in the insurance market, but their profits are not responsible for skyrocketting healthcare costs.
I'm really sorry to hear about this. I'm fully aware that I do pay for health care. Though having people be taxed on income and then having them pay for coverage is a total load. If you were to take the hit before getting your income, it would be much more reasonable. You know, like public health care everywhere else.
I'm really sorry to hear about this. I'm fully aware that I do pay for health care. Though having people be taxed on income and then having them pay for coverage is a total load. If you were to take the hit before getting your income, it would be much more reasonable. You know, like public health care everywhere else.
Guitars: '78 Les Paul Pro / '89 SG Special/ '04 Gibson Les Paul Classic 3 pickup / Jackson Star/ Endres Tele / Fernandes Rhoads/ ''74 Hohner MIJ strat/ 2 Partscasters
Amps: Depends on when you ask. I got tired of constantly updating this section lol
Cabs Marshall 1960A w V30s/ Seismic 2x12 w Redback and V30.
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The Anomaly wrote:For you guys that are paying too much through your employer, have you gone to the exchange and see what is on there?
Millions have signed up and people were getting through on the phone in like 90 seconds, so, don't write it off if you haven't tried it.
Reference?
Shit, my bad, millions have "shopped", not signed up, so, the website worked for a lot of people.
What does "shopped" mean?
I would say that I "shopped" on healthcare.gov, because I was able to browse plans for my area...but the website still doesn't work for me. I finally was able to create an account, but I am still not able to purchase a plan.
I would say that I "shopped" on healthcare.gov, because I was able to browse plans for my area...but the website still doesn't work for me. I finally was able to create an account, but I am still not able to purchase a plan.
I guess "browse" as you did.
My original post was asking a poster if he had "browsed" the website, because he was complaining about how much his employer's plan was costing him.
If/when I have a choice of products, I will ALWAYS shop for my options, not just complain about one of them.
