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Message
re: Going without health insurance
Posted on 12/12/18 at 1:00 pm to Chucktown_Badger
Posted on 12/12/18 at 1:00 pm to Chucktown_Badger
quote:
Car insurance is kind of expensive too, you'd save a bunch by going without that as well.
but unlike auto insurance the laws have changed so you can get coverage after [s]an accident[/s] you get sick
1
Posted on 12/12/18 at 1:01 pm to JabarkusRussell
I've never had insurance. Its much cheaper to pay out of pocket for prescriptions.
Posted on 12/12/18 at 1:02 pm to JabarkusRussell
Find a better plan, that plan sucks.
Posted on 12/12/18 at 1:04 pm to JabarkusRussell
i was 31 and healthy, never getting sick, when i was diagnosed with testicular cancer.....
dont forgo insurance....
dont forgo insurance....
Posted on 12/12/18 at 1:05 pm to JabarkusRussell
Yes, we are all getting fricked big time by insurance. It is eating a bigger and bigger share out of our budgets.
But, it is unwise to go without insurance.
But, it is unwise to go without insurance.
Posted on 12/12/18 at 1:05 pm to JabarkusRussell
quote:
I'm in business for myself. There is no group plan
If you’re in LA call BCBS and they will assist you in finding an affordable policy.
Posted on 12/12/18 at 1:06 pm to JabarkusRussell
Nearly $800/mo and that's w wife's employer paying whatever they pay. And it isn't a low deductible and all we do is fight with insurer. This isn't insurance.
Posted on 12/12/18 at 1:07 pm to JabarkusRussell
Look at short term insurance. You can have it for 3 years now, really cheap. Great if you are healthy, protects you from getting royally screwed, but not great if you need a lot of meds
Posted on 12/12/18 at 1:08 pm to McLemore
quote:
Nearly $800/mo and that's w wife's employer paying whatever they pay. And it isn't a low deductible and all we do is fight with insurer. This isn't insurance.
Who is the insurer and what does the employer pay? What are the deductibe/maximum levels? Is it a copay plan or HSA qualified plan? I'm assuming it is a family plan?
Posted on 12/12/18 at 1:09 pm to McLemore
Sounds like insurance companies are getting the most out of everyone before this country goes to universal coverage. It’s a damn shame it’s not sustainable anymore, sucks for small business and self employed folks.
Posted on 12/12/18 at 1:11 pm to hob
quote:
but unlike auto insurance the laws have changed so you can get coverage after [s]an accident[/s] you get sick
If someone wants to roll the dice on their life like that thats on them...but it also fricks everyone else because if they're not able to pay, guess who makes up the difference? People who are insured.
Worst case scenario, enroll in a high deductible plan so you're paying less each month but are still protected against a catastrophic injury.
Not to mention the tax penalty for not having it is still in effect through 2018.
This post was edited on 12/12/18 at 1:13 pm
Posted on 12/12/18 at 1:13 pm to JabarkusRussell
quote:
I was already paying $253/month for an individual policy that doesn't cover medicine, doctor visits, or therapy. There is like a $6k deductible before any of that is covered. Next year my insurance increases $90. I just can't afford it. I'm a healthy 32 year old and it shouldn't cost this much. Anyone else in this boat? Make too much to qualify for subsidies but not enough to live comfortably. Stuck in the middle.
Posted on 12/12/18 at 1:14 pm to JabarkusRussell
I went a year (2016) without it and never needed it. That said, a broken leg is still more than that 6k deductible and $343/m.
Tough call only you can make.
Tough call only you can make.
Posted on 12/12/18 at 1:17 pm to JabarkusRussell
My sister was in her early 20s and had a heart surgery that was about $1 million. You sure you don’t want at least a catastrophic plan?
I went without health insurance for a half year or so, but realized quickly that one accident could set me back for life. Not worth it. 90 dollars a month could hurt for some but paying 3x that in medical bills per month for the next 15 years of your life would hurt more
I went without health insurance for a half year or so, but realized quickly that one accident could set me back for life. Not worth it. 90 dollars a month could hurt for some but paying 3x that in medical bills per month for the next 15 years of your life would hurt more
Posted on 12/12/18 at 1:19 pm to Norbert
Wrong
Obamacross is a rip-off. They don’t pay for shite
Obamacross is a rip-off. They don’t pay for shite
Posted on 12/12/18 at 1:19 pm to thegreatboudini
Yea, the problem is that health insurance card is basically a giant discount card. I don't see over any long stretch of time where going uninsured would be worth it unless you truly have the money to fully self insure.
Posted on 12/12/18 at 1:20 pm to Chucktown_Badger
quote:
Not to mention the tax penalty for not having it is still in effect through 2018.
Well good thing we're talking about 2019 plans
Posted on 12/12/18 at 1:22 pm to McLemore
Wow holy shite. 800 per month? After company payout, my wife and I were about 250 and I thought that was bad.
However I’m on a free, 0 deductible, 0 copay all expenses paid type thing. I don’t even pay for fricking Tylenol as long as a doctor prescribes it. I told my wife that having a kid now wouldn’t be the worst thing in the world right now
However I’m on a free, 0 deductible, 0 copay all expenses paid type thing. I don’t even pay for fricking Tylenol as long as a doctor prescribes it. I told my wife that having a kid now wouldn’t be the worst thing in the world right now
Posted on 12/12/18 at 1:26 pm to Mingo Was His NameO
In August I switched jobs and began working for an employer that doesn't provide health insurance. My wife's employer has some strange rule that doesn't allow her to pick up coverage mid-year, even though we had a change of jobs. So we've gone the past four months without insurance. Been great saving the money, but it just about puts me in a panic every time my kids cough or get on their bikes.
Go with a high deductible plan and max out the HSA. Saves the average person about $1,200/year in taxes. Like someone mentioned earlier, look into the shared ministry plans.
Go with a high deductible plan and max out the HSA. Saves the average person about $1,200/year in taxes. Like someone mentioned earlier, look into the shared ministry plans.
Posted on 12/12/18 at 1:27 pm to shotcaller1
quote:
250 and I thought that was bad.
quote:
However I’m on a free, 0 deductible, 0 copay all expenses paid type thing. I don’t even pay for fricking Tylenol as long as a doctor prescribes it. I told my wife that having a kid now wouldn’t be the worst thing in the world right now
You honestly thought paying $250/month was bad when you basically don't pay for a single medical expense?
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