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Started By
Message
re: Curious how much Obamacare would cost you?
Posted on 3/25/14 at 7:44 pm to La Place Mike
Posted on 3/25/14 at 7:44 pm to La Place Mike
How the frick are you guys getting such high quotes?
Mine is $2800/yr for the silver plan.
It is just me and I am pretty sure that is less than my employer currently pays for my high deductible plan with an HSA. Granted my deductible is currently $2500 vs $6k, but I haven't been to a doctor in a decade and I have my HSA or money to pay a high deductible if I ever had to.
And of course no subsidy for me, OT baller and all.
Mine is $2800/yr for the silver plan.
It is just me and I am pretty sure that is less than my employer currently pays for my high deductible plan with an HSA. Granted my deductible is currently $2500 vs $6k, but I haven't been to a doctor in a decade and I have my HSA or money to pay a high deductible if I ever had to.
And of course no subsidy for me, OT baller and all.
2
Posted on 3/25/14 at 7:47 pm to La Place Mike
quote:
You must have a pre-existing condition. There is a good chance that the meds you need may not be covered under the ACA plan.
They are covered, although a higher co-pay than with employer plans. And of course, still cheaper than paying for everything myself.
I'm looking for a full-time job, so hopefully this would be a moot point.
Posted on 3/25/14 at 7:47 pm to Tiger n Miami AU83
I think it all depends what state you are in. Mine was WAY cheaper than these guys are saying, I don't get any subsidy, and I got a platinum plan. 
ETA: $1000 deductible too.
ETA: $1000 deductible too.
This post was edited on 3/25/14 at 7:48 pm
Posted on 3/25/14 at 7:48 pm to SanFranTiger
quote:
haven't been to a doctor in a decade
You should at least have a physical every so often buddy
Posted on 3/25/14 at 7:48 pm to SanFranTiger
quote:
You should at least have a physical every so often buddy
Exactly. I go twice a year but everyone should go at least once a year!
Posted on 3/25/14 at 7:49 pm to SanFranTiger
quote:
Mine was WAY cheaper than these guys are saying, I don't get any subsidy, and I got a platinum plan
Age is a factor of course
Posted on 3/25/14 at 7:50 pm to SanFranTiger
Im 35 so I am not exactly young?
Posted on 3/25/14 at 7:50 pm to lsu480
I agree about the physical. I'm gonna go get one this year. It's free for me, so I don't really have an excuse not to. Just don't like taking time to go to the doc.
Posted on 3/25/14 at 7:53 pm to Tiger n Miami AU83
quote:
Im 35 so I am not exactly young?
Maybe you're getting a subsidy if you're income is not high
Posted on 3/25/14 at 7:53 pm to SanFranTiger
According to that calculator my silver would be $1847, when I change the zip to LSUs zip code it goes up to $2736!!!! 
When I signed up at healthcare.gov it was dumb not to pay the extra $80 a month for platinum.
When I signed up at healthcare.gov it was dumb not to pay the extra $80 a month for platinum. 
Posted on 3/25/14 at 7:55 pm to SanFranTiger
quote:
Maybe you're getting a subsidy if you're income is not high
Hell no, I wish! Try with different zip codes! Mine is in AZ and is 85251 and is $1786. I tried with a BR zip of 70803 and it went up to like $2800. Beverly Hills 90210 is almost $2500. US Average is $2535.
ETA: Arizonans must be healthy and I get platinum for cheaper than you guys pay for silver!
This post was edited on 3/25/14 at 8:00 pm
Posted on 3/25/14 at 7:57 pm to lsu480
Mine went up to $3100 using the national average.
Posted on 3/25/14 at 7:58 pm to Tiger n Miami AU83
quote:
I agree about the physical. I'm gonna go get one this year. It's free for me, so I don't really have an excuse not to. Just don't like taking time to go to the doc.
I used to go once a year but a buddy of mine got cancer last year, they found it at a physical while doing blood work, so now I am going every 6 months. It takes a couple hours and can save your life. After watching what he went thru I want to find out EARLY if I have anything.
Posted on 3/25/14 at 7:58 pm to Tiger n Miami AU83
quote:
Mine went up to $3100 using the national average.
What is it with Arizona 85251 zip?
Posted on 3/25/14 at 8:01 pm to AnonymousTiger
I pay about $2100 a year for BCBS through my employer.
Using this calculator it would cost be $2450 through the gov market.
Good deal???
Using this calculator it would cost be $2450 through the gov market.
Good deal???
Posted on 3/25/14 at 8:03 pm to oR33Do
I actually found mine was cheaper thru healthcare.gov than any calculator, especially since the platinum plans are barely higher. It only takes like 5 minutes to use the real site. I was bitching about Obamacare since it was announced but I guess I live in a good state for it!
Posted on 3/25/14 at 8:04 pm to Tiger n Miami AU83
quote:
Granted my deductible is currently $2500 vs $6k,
quote:It's because of our income family coverage and age.
How the frick are you guys getting such high quotes?
That's a huge difference. You have much better plan than what you would get through the ACA. You also share the cost treatments, test and procedures by paying 30%. Your max out of pocket with the ACA plan would be $12,700.
You are much better off in your companies plan.
edited to add "and age".
This post was edited on 3/25/14 at 8:13 pm
Posted on 3/25/14 at 8:06 pm to La Place Mike
quote:
It's because of our income.
Or where you live because I don't get any subsidies. Try my zip and be jealous. AZ 85251.
Posted on 3/25/14 at 8:06 pm to AnonymousTiger
Family of 6.
I currently pay $120/month, with a max $2500 out of pocket a year.
Under Obamacare, my monthly premium would be $791/month with a max out of pocket of $12,700/year.
Sounds like a great deal...
I currently pay $120/month, with a max $2500 out of pocket a year.
Under Obamacare, my monthly premium would be $791/month with a max out of pocket of $12,700/year.
Sounds like a great deal...
Posted on 3/25/14 at 8:09 pm to ZZTIGERS
Ouch! How can you currently pay $120 a month for SIX people though unless your employer pays a LARGE portion if it? Are they not going to pay anymore?
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