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Started By
Message
re: 2022 Open Enrollment Heath Insurance Rant
Posted on 11/4/21 at 10:32 am to danilo
Posted on 11/4/21 at 10:32 am to danilo
quote:
JFC!!!
Agreed!
If our home wasn’t paid for the numbers wouldn’t work for us and we make over 100k combined it’s sickening. I have no idea how people do it with a house note, two car notes , multiple kids etc. the average American is one missed check from bankruptcy has to be.
0
Posted on 11/4/21 at 10:49 am to Costanza
Check into a Christian sharing ministry. Lower deductibles and premiums and you don't have to worry about a $50,000 surprise bill because an out of network doctor walked through the operating room during a procedure.
Posted on 11/4/21 at 10:54 am to CajunDoc
quote:
Will just keep getting worse until we do away with private insurance companies.
The whole point of Obamacare was to destroy the private health industry and make the government have to save us.
Posted on 11/4/21 at 10:58 am to The Boat
It would cost us 2005.29 a month for our family with a $1500 deductible if we used hubby’s insurance.
I’m just lucky the plant offers a reasonably priced family plan.
I’m just lucky the plant offers a reasonably priced family plan.
Posted on 11/4/21 at 11:11 am to CajunDoc
quote:
The people below the poverty line get medicaid and pay enormously less than those of us who pay for health insurance.
And what’s their health like?
Posted on 11/4/21 at 11:14 am to Costanza
I pay under $7k a year in all premiums including life insurance and disability and all healthcare. You should change companies.
Posted on 11/4/21 at 11:18 am to TigerGrad2011
quote:
Think the MOOP was around $7500
It's Moor! The card is a misprint!
Posted on 11/4/21 at 11:21 am to Volvagia
quote:
And what’s their health like?
Shitty, but because they make terribly poor health decisions.
Posted on 11/4/21 at 11:25 am to The Spleen
quote:
Lobby your Senators and your House Rep for a public option.
Ah yes, where we can trade expensive private options (made expensive by government regulations, primarily) for a plan controlled by the government.
You are so out-of-touch.
Posted on 11/4/21 at 11:26 am to Costanza
quote:
The cheapest plan to insure myself and my family (wife and two kids) is nearly $18k in annual premiums, with a $7k deductible.
Your employer either sucks at negotiating group health insurance and/or is cheap as frick (or can't afford) to contribute anything and making you pay full freight. If you are marketable you should consider a better employer.
Posted on 11/4/21 at 11:30 am to dat yat
quote:
I'm considering switching from the PPO to an traditional plan that costs $1,044/yr (individual employee only), $2,000 deductible, $4,500 Max out of pocket, and they put the first $500 in in the HSA. I'm considering maxing out the HSA since my 401k is already maxed out.
Is anyone else using an HSA? I have not used it before.
Keep in mind that HSAs go along with high deductible plans. Most of these are 100% out of pocket (except preventative visits and prescriptions) until the deductible is met. With that said, I have had a HDP for several years now. As long as everyone is in relatively good health, they're good.
HSAs are actually an amazing tax shelter. They are funded pre-tax, distributions are tax free for medical related expanses, and they can be invested and grow tax free.
Typically the max out of pocket for the HDP is also less than the max yearly contribution.
For 2021, My premium was $115.50/wk for a family of 4. $3000 family deductible and $6000 max out of pocket. Company contributed $1500 to HSA, I put in an additional $5700 to max it.
For 2022 premium will be $171/wk for same coverage. They are adding a $50/wk surcharge since my wife is on my plan but has insurance available thru her work.
Still running the numbers to see whether she will stay on my plan or move to her own plan. Its unclear if her work will contribute to an HSA for her or not. The net benefit of her moving to her own plan is saving ~$110/month. Drawback is having a $3000 deductible ($6000 max out of pocket) AND a $4500 deductible/max out of pocket.
Posted on 11/4/21 at 11:31 am to Bestbank Tiger
quote:
Check into a Christian sharing ministry. Lower deductibles and premiums and you don't have to worry about a $50,000 surprise bill because an out of network doctor walked through the operating room during a procedure.
My parents used one of those (MediShare) for a while because their traditional BlueCross BlueShield insurance was too expensive after Obamacare was implemented. It worked fairly well. The biggest issue is that healthcare facilities don't exactly view it as true insurance, so it can sometimes be difficult to get them to accept it. My parents are back on traditional insurance now because they were able to get onto a group plan.
Posted on 11/4/21 at 11:34 am to Tiger_n_Texas
quote:
HSAs are actually an amazing tax shelter. They are funded pre-tax, distributions are tax free for medical related expanses, and they can be invested and grow tax free.
Also, after age 65 all distributions are penalty free even if not used for qualified medical expenses... i.e. just like a regular IRA.
Posted on 11/4/21 at 11:34 am to Costanza
Thanks Brandon!
Posted on 11/4/21 at 11:36 am to meeple
quote:
Also, after age 65 all distributions are penalty free even if not used for qualified medical expenses... i.e. just like a regular IRA.
I'm a LONG way from 65, but I do recall seeing that in the recent benefits guide.
Posted on 11/4/21 at 11:38 am to RogerTheShrubber
quote:
Because government got involved.
Everything government touches, turns to shite
Obama, Biden, McShitstain, Mary Fatass Landrieu, and many other worthless democrats stuck it to us
Posted on 11/4/21 at 11:39 am to Costanza
quote:
The cheapest plan to insure myself and my family (wife and two kids) is nearly $18k
Your employer is not responsible for your family, the 18k probably breaks downs as such.
18000 / 12 = 1500 month / 2 weeks $750 per paycheck
$200 is probably the employee and and $550.00 the family.
If you had to buy an individual plan it would costs this easily due to Obama letting the cat out of the bag
It's usually the smaller the company the higher the costs to the employee
Posted on 11/4/21 at 11:42 am to The Torch
spot on
Posted on 11/4/21 at 11:43 am to The Spleen
quote:
The amazing thing is many of them espouse free market ideals. When was the last time you actually had a choice between different insurers? You may have a choice between different plans depending on your employer, but very seldom is the choice between one carrier or another. Your employer is making that choice for you.
Nothing prevents these people from getting their own insurance outside of the employer plan. You don't understand what "Free market" means
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