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Employer Health Insurance plan too high
Posted on 11/29/23 at 7:14 pm
Posted on 11/29/23 at 7:14 pm
Our renewals have made it completely unaffordable to have insurance. We are staring at 1500$ for having a HDHP. It might also because we have a shitty arse lazy HR who didn't shop around. That story aside, asking for any advice
Forgive my questions. Is it possible to decline and shop privately? I'm guessing that will be as expensive.
Forgive my questions. Is it possible to decline and shop privately? I'm guessing that will be as expensive.
5
Posted on 11/29/23 at 7:17 pm to glorymanutdtiger
You can absolutely get a personal plan outside of your employer. Whether or not it will be cheaper is a different story
Posted on 11/29/23 at 7:21 pm to baldona
LINK /
My family has used this for the past ~8-9 years. I’m self employed, and back then a family policy with a high deductible approached $1500/month. It has worked very well for us, but it’s obviously not for everyone. I’m happy to discuss more if you have any questions.
Our monthly premium for family of 4, $12,000 deductible, is around $325
My family has used this for the past ~8-9 years. I’m self employed, and back then a family policy with a high deductible approached $1500/month. It has worked very well for us, but it’s obviously not for everyone. I’m happy to discuss more if you have any questions.
Our monthly premium for family of 4, $12,000 deductible, is around $325
Posted on 11/29/23 at 7:29 pm to LSUDMD
I think friend of mine have mentioned it before. Thank you. I will take a look at it
Posted on 11/29/23 at 8:33 pm to glorymanutdtiger
The health insurance industry is completely broken.
FYI to ensure you do your due diligence if going with a health share.
ProPublica
FYI to ensure you do your due diligence if going with a health share.
ProPublica
This post was edited on 11/30/23 at 8:19 am
Posted on 11/29/23 at 9:30 pm to LSUDMD
quote:
My family has used this for the past ~8-9 years. I’m self employed, and back then a family policy with a high deductible approached $1500/month. It has worked very well for us, but it’s obviously not for everyone. I’m happy to discuss more if you have any questions.
Our monthly premium for family of 4, $12,000 deductible, is around $325
I'm with Christian Healthcare Ministries.
I have access to a good plan at work but I really like CHM.
Posted on 11/29/23 at 9:36 pm to ApexHunterNetcode
quote:
The health insurance industry is completely broken.
FYI to ensure you do your difference if going with a health share.
ProPublica
First part is correct.
Not sure I would trust ProPublica. The main sharing ministries are Medishare, Christian Healthcare Ministries, and Samaritan Healthcare. All three are well established.
Posted on 11/30/23 at 5:43 am to glorymanutdtiger
quote:
Employer Health Insurance plan too high
Thank Obama - his legacy
All the idiot did while in office is give everything to the unemployed including free healthcare.
Posted on 11/30/23 at 6:23 am to The Torch
Never forget or forgive the then Senator Mary Landriue cast the deciding vote that allowed the ACA to pass into law.
Posted on 11/30/23 at 6:37 am to glorymanutdtiger
Just for informational purposes, I’m self employed, and I pay just over $1000/month for a decent individual plan through Blue Cross. Decent plan, not great.
Posted on 11/30/23 at 6:37 am to Bestbank Tiger
quote:
have access to a good plan at work but I really like CHM.
I thought CHM was basically for well visits. Is it even technically considered insurance? I think it's more like cost sharing.
Posted on 11/30/23 at 7:58 am to FinleyStreet
I looked at one a while back and it was based
Basically they don’t cover sins like children out of wedlock and long term stds
Basically they don’t cover sins like children out of wedlock and long term stds
Posted on 11/30/23 at 9:02 am to glorymanutdtiger
Blame Obama. He let Big Healthcare write his law.
Posted on 11/30/23 at 9:05 am to iron banks
quote:
Never forget or forgive the then Senator Mary Landriue cast the deciding vote that allowed the ACA to pass into law.
Or Justice John Roberts.
Posted on 11/30/23 at 9:12 am to lsu13lsu
Healthcare didn't want the law.
But when the dems were desperate to get a "win", they allowed it to be crafted by the healthcare companies.
I don't think that had any impact on where we are today.
It impacted a security against losses for so many years (i think it was 5 years of losses by health insurance companies were repaid by taxpayers dollars). Dems sold the taxpayers out for that 5 year sweetheart deal to insurance companies (I'm not positive on the length of the guaranty, but it felt like 5 years).
When you increase the cost of something, business makes more money.
It is a basic concept of margins. Everyone in the oil business understands this as well.
If I make 2% profit over $1,000,000,000 cost then I will be really happy making 2% on $100,000,000,000 cost.
The insurance company has an incentive to learn how to budget and manage the cost. But not an incentive to keep the cost down.
No pre-existing conditions?
Increased mandated coverages (losing aspects of an Ala carte plan which restricts coverage costs).
Of course health insurance costs were going to flow like Niagara falls over a cliff.
But when the dems were desperate to get a "win", they allowed it to be crafted by the healthcare companies.
I don't think that had any impact on where we are today.
It impacted a security against losses for so many years (i think it was 5 years of losses by health insurance companies were repaid by taxpayers dollars). Dems sold the taxpayers out for that 5 year sweetheart deal to insurance companies (I'm not positive on the length of the guaranty, but it felt like 5 years).
When you increase the cost of something, business makes more money.
It is a basic concept of margins. Everyone in the oil business understands this as well.
If I make 2% profit over $1,000,000,000 cost then I will be really happy making 2% on $100,000,000,000 cost.
The insurance company has an incentive to learn how to budget and manage the cost. But not an incentive to keep the cost down.
No pre-existing conditions?
Increased mandated coverages (losing aspects of an Ala carte plan which restricts coverage costs).
Of course health insurance costs were going to flow like Niagara falls over a cliff.
Posted on 11/30/23 at 9:13 am to FinleyStreet
quote:
thought CHM was basically for well visits. Is it even technically considered insurance? I think it's more like cost sharing.
The opposite. Well visits are out of pocket. They take care of you if you get hit by a truck.
Posted on 11/30/23 at 9:19 am to meansonny
quote:
But when the dems were desperate to get a "win", they allowed it to be crafted by the healthcare companies.
I don't think that had any impact on where we are today.
Posted on 11/30/23 at 9:39 am to lsu13lsu
Another discussion with my HR and another gem- “Premiums are up only 10%”
Premiums don’t mean jack shite if your out of pocket maximum is up 30%. Insurance doesn’t help if I’m not hitting out of pocket max with small kids. I’m gong to pay insurance and keep paying medical bills.
What a scam this is. arggggg
Premiums don’t mean jack shite if your out of pocket maximum is up 30%. Insurance doesn’t help if I’m not hitting out of pocket max with small kids. I’m gong to pay insurance and keep paying medical bills.
What a scam this is. arggggg
This post was edited on 11/30/23 at 9:40 am
Posted on 11/30/23 at 9:41 am to Bestbank Tiger
quote:
They take care of you if you get hit by a truck.
also, i'm not certain but i don't think this would allow you to qualify for an HSA.
Posted on 11/30/23 at 9:51 am to lsu13lsu
quote:
I don't think that had any impact on where we are today.
Feel free to share how health insurance companies ruined ObamaCare (other than the general micro/macro economic forces which came with the exact plan that Democrats pitched and approved before the healthcare companies were involved).
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