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Message
re: Health Insurance: wth am I paying for?
Posted on 10/27/15 at 12:50 pm to thegreatboudini
Posted on 10/27/15 at 12:50 pm to thegreatboudini
Prob around 25 years. I'm 38 and the last time was when I broke my arm in high school. Thankfully I'm pretty healthy.
...this excludes dental and vision.
...this excludes dental and vision.
This post was edited on 10/27/15 at 12:53 pm
0
Posted on 10/27/15 at 12:51 pm to Napoleon
quote:
I'm going to drop it and pay the fine.
Might want to rethink that as well - fines are going up next year as well.
Posted on 10/27/15 at 12:51 pm to Paddyshack
Got my Blue Cross notice last week that due to A. H. C. A. changes going into effect Jan. 1 deductible goes from 10k to 11k and monthly premium for wife and me goes from $735 to &1692. Older than most of you but still years from medicare and both in good health.
Posted on 10/27/15 at 12:51 pm to 79
FORWARD!
Posted on 10/27/15 at 12:53 pm to Napoleon
quote:
I'm going to drop it and pay the fine.
I am not a sickly person at all, so I am seriously considering this. My only problem is that then you are literally handing the govt free money.
I cant wrap my brain around being fined for something that should be optional. Bunch of fricking crooks.
Posted on 10/27/15 at 12:53 pm to Horsemeat
quote:
Might want to rethink that as well - fines are going up next year as well.
Let's see..... $4,560 in Insurance I will not use or a $750 fine...
Plus even if I want to use said insurance I have a $3600 deductible first. No think you, if need be I will just go to the ER and take money out of savings to pay for it.
Posted on 10/27/15 at 12:53 pm to Paddyshack
do some research.
no, not a direct result of ACA.
perhaps your employer has stopped supporting you.
That's the most likely answer.
There are several "blue Cross" companies.
choose another plan. sign ups are coming next month. Do your homework. Call a broker. call personnel.
no, not a direct result of ACA.
perhaps your employer has stopped supporting you.
That's the most likely answer.
There are several "blue Cross" companies.
choose another plan. sign ups are coming next month. Do your homework. Call a broker. call personnel.
Posted on 10/27/15 at 12:54 pm to Napoleon
Or just go to the ER and do what 33% of all patients do: never pay a dime.
Posted on 10/27/15 at 12:55 pm to Paddyshack
quote:
I am not a sickly person at all, so I am seriously considering this. My only problem is that then you are literally handing the govt free money.
I can hand the government a little bit of free money or I can hand a lot more money to a government backed private company.
I have blood pressure ticks, but I can keep it controlled. No need to medicate. I will keep dental insurance because I think it is a great deal.
Medical... meh. I have poor friends who just go to charity hospital and end up fine. I can do that.
Posted on 10/27/15 at 12:55 pm to ksayetiger
quote:
Or just go to the ER and do what 33% of all patients do: never pay a dime.
I actually care about my credit score.
Posted on 10/27/15 at 12:56 pm to Paddyshack
quote:
I cant wrap my brain around being fined for something that should be optional. Bunch of fricking crooks.
But, it's for the greater good! Trust Democrats - they wouldn't lie to you.
Posted on 10/27/15 at 12:56 pm to BabyTac
quote:
haven't been to a doctor in over 25 years
I daresay you've got some deferred maintenance that is going to cost your insurance carrier dearly. Be thankful that you no longer have that high deductible with lifetime limits.
Posted on 10/27/15 at 12:57 pm to Paddyshack
I wonder what your deductible is? One of my staff members had an affordable policy for her and her daughter pre ACA. I think it was $225/mo with $2500 deductible.
Post ACA her policy was cancelled and the best she could do was $729/mo with a $6500 deductible.
So she has to pay $15,248 out of pocket before she benefits from any insurance. This sounds like the banned what we used to call major medical insurance.
I wonder what it will look like in two years?!
Post ACA her policy was cancelled and the best she could do was $729/mo with a $6500 deductible.
So she has to pay $15,248 out of pocket before she benefits from any insurance. This sounds like the banned what we used to call major medical insurance.
I wonder what it will look like in two years?!
Posted on 10/27/15 at 12:57 pm to CelticDog
quote:
perhaps your employer has stopped supporting you. That's the most likely answer
Yeah, except, it most likely isn't the answer considering my insurance is not through my employer. Their insurance policy is even shittier.
Posted on 10/27/15 at 12:58 pm to CelticDog
quote:
no, not a direct result of ACA.
perhaps your employer has stopped supporting you.
That's the most likely answer.
Maybe it had something to do with what ACA forces businesses to do?
Posted on 10/27/15 at 12:59 pm to Napoleon
quote:
$4,560 in Insurance I will not use or a $750 fine...
I think the fine is a set amount OR 2.5% of your taxable income... whichever is higher.
So if you make more than $30K a year you're gonna pay more than $750
Posted on 10/27/15 at 1:01 pm to LSUFanNTX
Due to rising costs attributed to ACA, my employer no longer will insure an employee's spouse if that spouse has ins. offered at their place of employment.
I can insure my step children, but not my wife.
I can insure my step children, but not my wife.
Posted on 10/27/15 at 1:01 pm to Layabout
What is this deferred maintenance you are talking about?????
Posted on 10/27/15 at 1:01 pm to Paddyshack
quote:
Is this all a direct result of the ACA?
Yes. You didn't want your old, crappy (affordable) plan, anyway, did you?
Forward!
Posted on 10/27/15 at 1:02 pm to terd ferguson
quote:
I think the fine is a set amount OR 2.5% of your taxable income... whichever is higher.
So if you make more than $30K a year you're gonna pay more than $750
I thought the 2.5 goes into effect for 2016 tax season and the $750 was for 2015.
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