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Started By
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re: My father-in-law is paying $30,000 for health insurance this year.
Posted on 12/8/16 at 10:42 am to SirWinston
Posted on 12/8/16 at 10:42 am to SirWinston
quote:If you have a family, you should do whatever you can to protect against catastrophe. Insurance, as originally intended, is a hedge against the losses one would endure from a failing (like a car wreck) or a catastrophe (like a tornado or fire for your home). It was never the intent of insurance to be a universal right.
Wouldn't be be better off just not paying that?
That said, it used to be, you could purchase a major medical policy that covered you in the event of a catastrophic loss or medical condition. Otherwise, you could just pay your own medical bills because you were at relatively little risk. Today, you don't have that option. Either you have a conforming policy or you don't have any insurance at all and you pay the tax penalty of up to $2085.
0
Posted on 12/8/16 at 10:45 am to Cruiserhog
My choices for family coverage in 2017 on a group policy are $20,046 per year for PPO or $15,828 per year for a high deductible plan (with $6,000 deductible). We're healthy and always go with the high deductible plan.
I can easily see how a non-group policy could cost $30k/year for family coverage without Obamacare subsidies.
I can easily see how a non-group policy could cost $30k/year for family coverage without Obamacare subsidies.
Posted on 12/8/16 at 10:47 am to Cruiserhog
quote:
gonna call bullshite
Then you're not too smart. I'm just an employee at my firm, and I pay just under $15,000 per year for my family, with a high deductible.
Posted on 12/8/16 at 10:49 am to SoulGlo
So health care cost and health insurance premiums were not rising before Obama?
Companies were not gutting benefit packages for employees and left them with higher deductible offerings before Obama?
Companies were not gutting benefit packages for employees and left them with higher deductible offerings before Obama?
Posted on 12/8/16 at 10:55 am to The_Duke
quote:
So health care cost and health insurance premiums were not rising before Obama?
Nothing appreciable will happen when the ACA gets rolled back regarding cost. Conservatives barking up the wrong tree...again.
Posted on 12/8/16 at 10:57 am to The_Duke
quote:Based on your posts, you are obviously one who benefits from Obamacare. Tell us truthfully, but Im guessing you are single and your out of pocket costs run about $65 month, while we subsidize the other $750 a month.... those numbers about correct?
The_Duke
Posted on 12/8/16 at 11:02 am to Count Chocula
quote:
Based on your posts, you are obviously one who benefits from Obamacare. Tell us truthfully, but Im guessing you are single and your out of pocket costs run about $65 month, while we subsidize the other $750 a month.... those numbers about correct?
Nope- married with first child on the way in March. Family income around 200s. Wife and I both have masters.
and I also think Obama care has been a failure and should be trashed ONLY if we trashto our entire healthcare system with it and start over from scratch. If we aren't doing that then we need to work on fixing and improving Obamacare--has a lot of good in it.
Posted on 12/8/16 at 11:05 am to Champagne
quote:
What's your other, more well-known, screen name brosef?
Rex
Posted on 12/8/16 at 11:06 am to The_Duke
quote:This sounds so much better than the other 13 posts you made in this thread
and I also think Obama care has been a failure and should be trashed ONLY if we trashto our entire healthcare system with it and start over from scratch. If we aren't doing that then we need to work on fixing and improving Obamacare--has a lot of good in it.
quote:Congrats!
married with first child on the way in March
quote:This wont pay my house note
Family income around 200s
Posted on 12/8/16 at 11:08 am to Count Chocula
$200,00 wouldn't pay your house note? Sheesh---one day I'll get there. *side eye*
Posted on 12/8/16 at 11:08 am to mule74
quote:And cost is only the tip of the iceberg
I beg someone to defend the abortion that was forced upon our health system
Posted on 12/8/16 at 11:09 am to mule74
You're going to be disapointed when rates continue to rise under Trump
Posted on 12/8/16 at 11:12 am to The_Duke
quote:And in 5 years it wont pay my health insurance premiums either.
$200,00 wouldn't pay your house note? Sheesh---one day I'll get there. *side eye*
Posted on 12/8/16 at 11:30 am to tigersbb
quote:
tigersbb
No one responded to this because it's a wall of text, but there was a lot of good in this post.
Posted on 12/8/16 at 11:51 am to mule74
Mine is jumping to $2,200 a month for me, my wife and a two year old. My deductible is $2,500 and my co-pays are more than double what they used to be.
If Trump only fixes ObamaCare he will have succeeded, the fact that as President-elect he has already done more for the economy than jug-ears and baby-Bush is just lagniappe.
If Trump only fixes ObamaCare he will have succeeded, the fact that as President-elect he has already done more for the economy than jug-ears and baby-Bush is just lagniappe.
Posted on 12/8/16 at 12:02 pm to More&Les
30k a year is probably correct for someone self employed. Our company paid share for my small location added to the associate paid premiums are close to 30k per year for each employee.
Posted on 12/8/16 at 12:05 pm to More&Les
Yep - my father in law is now paying $1850 per month on a silver plan with a $6K deductible, so he's paying $28,200 before he gets any "benefit" out of his "insurance". Just him and my mother-in-law - both in their upper 50's with no pre-existings.
Forward!!!
Forward!!!
Posted on 12/8/16 at 12:09 pm to mule74
Pre Obama care my insurance for the fam was $480 a month (I am self employed).
Exact same plan now except prenatal has been forced on - 1200 a month.
Worse part is it is the obvious result we all saw coming.
Exact same plan now except prenatal has been forced on - 1200 a month.
Worse part is it is the obvious result we all saw coming.
Posted on 12/8/16 at 12:20 pm to mule74
I got on United Health Care and put in the same situation you presented with parents born in the late 60s and only by selecting the Premier plans and adding dental could i get over $1,000 a month.
Something is not adding up.
Something is not adding up.
This post was edited on 12/8/16 at 12:21 pm
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