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Message

re: 2022 Open Enrollment Heath Insurance Rant

Posted on 11/4/21 at 9:37 am to
Posted by Weekend Warrior79
Member since Aug 2014
20660 posts
Posted on 11/4/21 at 9:37 am to
Sounds like you may work for a shitty company and they have shitty insurance. I have a small company that has aged based ratings because of our size, and the closest we would come to that is if you and your wife were in your mid-60s and both kids were college aged. And that plan only has a $1,500 deductible. But even in this situation, the employee would only be on the hook for ~$800 a month as the employees have to pay 100% of the costs for their dependents.
Posted by castorinho
13623 posts
Member since Nov 2010
86353 posts
Posted on 11/4/21 at 9:37 am to
Let's stop kicking this man while he's down.
Posted by Harry Caray
Denial
Member since Aug 2009
20094 posts
Posted on 11/4/21 at 9:38 am to
quote:

Will just keep getting worse until we do away with private insurance companies.

Not a bigger drain on society than this entire industry right now. Absolutely nothing of value is added from their middle man bullshite.
Posted by Costanza
Member since May 2011
3263 posts
Posted on 11/4/21 at 9:40 am to
quote:

is your employer paying anything?

you can get an obamacare plan without any credits for income for half of that with better deductible.

My new company's premiums are $215 a month for family 90/10 with a $1400 deductible that the company also matches in a HSA account


If it was just for me, it wouldn't be that bad, but when you add spouse and kids, it's brutal.
Posted by LaLadyinTx
Cypress, TX
Member since Nov 2018
7114 posts
Posted on 11/4/21 at 9:40 am to
quote:

I guess when you see hospitals charging $56 bucks for an aspirin


When anyone says this, I know they have no clue how the healthcare system really works.
Posted by The Torch
DFW The Dub
Member since Aug 2014
27504 posts
Posted on 11/4/21 at 9:41 am to
Mine is $3,720.00 a year for my son and I, medical and dental.

We did not have any increase this year


Thank Biden's butt buddy Obama for F'ing this up for all working people.

My niece (white trash) and her husband (white trash) have 4 kids and don't work, of course everything medical is 100% free to them

Posted by Weekend Warrior79
Member since Aug 2014
20660 posts
Posted on 11/4/21 at 9:42 am to
quote:

Let's stop kicking this man while he's down.

I'd agree if OP put this on the money board, but there are rules for the OT. OP violated one of them; therefore, it is now OT's responsibility to violate him
Posted by Costanza
Member since May 2011
3263 posts
Posted on 11/4/21 at 9:42 am to
quote:

When anyone says this, I know they have no clue how the healthcare system really works.



Yeah, you're right, it's working really fking awesome.
Posted by danilo
Member since Nov 2008
24740 posts
Posted on 11/4/21 at 9:43 am to
Meanwhile, many insurance companies were incredibly profitable due to people not going to the doc in 2020 (so insurance company had no claims to pay) yet continued to pay their premiums
This post was edited on 11/4/21 at 9:50 am
Posted by puse01
Member since Sep 2011
3743 posts
Posted on 11/4/21 at 9:44 am to
(no message)
This post was edited on 11/15/21 at 11:35 am
Posted by Oilfieldbiology
Member since Nov 2016
41275 posts
Posted on 11/4/21 at 9:44 am to
quote:

Lobby your Senators and your House Rep for a public option.


frick that. How about we lobby our senators and reps to get government the frick out of health care.
Posted by 50_Tiger
Arlington TX
Member since Jan 2016
42864 posts
Posted on 11/4/21 at 9:46 am to
I pay 87 a month for no deductible. Sounds like your company is passing the cost to you my friend :( .
Posted by Oilfieldbiology
Member since Nov 2016
41275 posts
Posted on 11/4/21 at 9:47 am to
Bull shite you pay $87 a month no deductible.
Posted by LSU316
Rice and Easy Baby!!!
Member since Nov 2007
30232 posts
Posted on 11/4/21 at 9:47 am to
Damn son....I'm on a HDHP and my deductible is 1/3rd of yours.

My plan costs about 10K/yr for me and my daughter....company pays half and I pay half plus I put about 3K/yr in HSA.
Posted by 50_Tiger
Arlington TX
Member since Jan 2016
42864 posts
Posted on 11/4/21 at 9:48 am to
Hold on I’ll link it as we just had enrollment this past week
Posted by LSU316
Rice and Easy Baby!!!
Member since Nov 2007
30232 posts
Posted on 11/4/21 at 9:48 am to
quote:

I pay 87 a month for no deductible.


You a US Congressman?
Posted by AUCE05
Member since Dec 2009
44872 posts
Posted on 11/4/21 at 9:48 am to
Your wife should work for your local school. Bus driver, lunchroom, etc. Problem solved.
Posted by ducktale
Member since Sep 2021
1531 posts
Posted on 11/4/21 at 9:48 am to
Meanwhile there are commercials that say 4 out of 5 people can get healthcare for as little as $10 a month.

Living off the government teat is good right now.
Posted by TheHarahanian
Actually not Harahan as of 6/2023
Member since May 2017
22963 posts
Posted on 11/4/21 at 9:50 am to

Go back 100 years, prior to the health insurance racket, when people were paying out of pocket for health care, and prices were reasonable. Why? Personal accountability.

If Dr. Smith overbilled you or his prices were too steep in general, people complained, word got around, and his clientele diminished because people went elsewhere.

Nobody cares if the insurance company is gouged. No accountability.
Posted by OysterPoBoy
City of St. George
Member since Jul 2013
42906 posts
Posted on 11/4/21 at 9:50 am to
quote:

Sounds like you may work for a shitty company and they have shitty insurance.


The problem we have is that if you have a few employees that have health issues, or their kids do, it all gets lumped in together since you are a group. If we could get rid of about 5 people we would have much cheaper insurance.
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