re: Anybidy else get their BCBS renewal letter today?

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I don’t think I could sleep at night knowing that a medical emergency would financially cripple us.

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an emergency wouldn’t cripple us

I understand freak things can happen, and as a child we had that happen in our family so I know the risks. I also know people that pay for insurance that basically covers everything except freak things.

I’m not losing sleep over something I can’t control.

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bet most of this increase is from GLP-1 drugs. Insanely expensive and almost everyone is on them.

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All major carriers stop covering these last year.

I had BC/BS, my Tirz was $27.00 for three months in 2024 but $1,400.00 in 2025. I turned to the black market like most people due to cost.

UHC doesn’t cover them either

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does any of the 8 have private HSA's?

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yes

We are pretty good financially bc I am not a spender - my husband buys a lot more than I do and that’s ok bc he earns it.

My meager salary is play money for the fam

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I paid around $6,000-$7,000 out of pocket.

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right but how much have you paid since obtaining insurance

Probably over $30K by now

My work doesn’t offer it - my husband’s work pays for his. He’s more likely to have an emergency- so he’s covered. As for me - well - once I stop posting, yall will know.

It’s not that we aren’t ‘prepared’ we are just prepared a different way than you are.

Well frick them and I don’t pay it.

I get hurt at work - workers comp

I get diseased or hurt at home, I’m never paying and will die without hospitalization.

I’m fricking IN.

Good lord. Through my job I pay $140/month. $1k deductible and 5k max out of pocket. Just me. Would be $290/month if added a spouse

private healthcare is a scam. way to steal our money and give to PE and foreigners.
BAN IT then make every citizen buy in reducing the rate. foreigners need to buy in at a higher rate if they want health care

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right but how much have you paid since obtaining insurance
Probably over $30K by now

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That is the dirty little secret about insurance, you pay and pay into a system where someone else controls the purse strings. They tell you which doctor to see and which treatments are covered. If you put aside the same annual premium cost from an employee and employer contribution in an HSA for a family that is nearly 25-30k a year going to the health insurance company. Then most policies have deductibles and out of pocket maxes that vary from 10-20k a year.

That means you end up shelling out nearly 50k a year in medical costs. If you are not likely to have some major medical issues, that is a significant chunk of income that is getting lost in the health care hole in this country.

The one big thing I would propose is an elimination of the requirement of insurance for HSA’s. Let people save for medical care and start paying cash again. Plus if you have insurance, you can use the HSA for copays and even insurance if the price comes in range.

The only benefit Obamacare gave people was a discount on insurance based on income. If you make too much these discounts disappear and you are paying a good chunk of healthcare using after tax dollars.

Thanks Obama.