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Message
re: Has anyone given up on getting health insurance? (not me this year)
Posted on 12/19/16 at 1:00 pm to SaintBrees
Posted on 12/19/16 at 1:00 pm to SaintBrees
quote:
and I'm still struggling to pay $435/month for my gold plan
Why do you have the gold plan?
1
Posted on 12/19/16 at 1:01 pm to slackster
Because I cannot afford several thousand dollars if something happens to me. When I say struggling, I mean that it sucks. I'm not unable to pay other bills or something.
This post was edited on 12/19/16 at 1:02 pm
Posted on 12/19/16 at 1:02 pm to SaintBrees
quote:
but you do realize many of the poorer people aren't complaining about doctor visits, right?
no the dumbasses go to the er and never pay their bills...who pays them? the paying patients...the hospital doesn't take a loss.
quote:
I make ~$45k and also get some help from my folks for things, and I'm still struggling to pay $435/month for my gold plan.
so what do you propose? I say people without insurance should go to free clinics and charity hospitals...why should you go to a hospital and incur a bill you can't pay?
Posted on 12/19/16 at 1:03 pm to Topwater Trout
quote:
so what do you propose? I say people without insurance should go to free clinics and charity hospitals...why should you go to a hospital and incur a bill you can't pay?
What does this have to do with what I said to you? Medications. Free clinics and charity hospitals don't write out free scripts for $1000/month medication, unless I'm mistaken. I agree that people without insurance should go to free clinics and charity hospitals. I was explaining that the reason some poorer folks back the healthcare plan we currently have is because it allows them to afford medications they would not otherwise be able to afford.
This post was edited on 12/19/16 at 1:04 pm
Posted on 12/19/16 at 1:03 pm to beerJeep
quote:
Bruh. You serious? 25 making a good 60k? shite son, I wish. Of the many many people around my age I know, only one makes that. And that's because of nepotism and a family company job. You hiring for 60k? I'll do it. Whatever it is. I'm in. I can make 60 k go a Longgggg arse way
So let's say you make $36k per year. Now you're getting a $52 premium credit, so that bronze plan costs $200/month now. $2,400 per year in premiums or $900 penalty with no coverage. The better financial decision is the insurance.
Posted on 12/19/16 at 1:04 pm to Napoleon
I pay the fine. Cheaper and I'm healthy.
Posted on 12/19/16 at 1:04 pm to Nado Jenkins83
What am I missing, why would you just pay the fine? The last I checked, the fine was the cost of the bronze plan.
Paying The fine means you pay for insurance, without getting it. Maybe this is only the case of you are getting single coverage and not for a family, because you would hit the monetary limit before you hit the actual cost of the bronze plan for a family.
Paying The fine means you pay for insurance, without getting it. Maybe this is only the case of you are getting single coverage and not for a family, because you would hit the monetary limit before you hit the actual cost of the bronze plan for a family.
Posted on 12/19/16 at 1:06 pm to SaintBrees
quote:
Because I cannot afford several thousand dollars if something happens to me. When I say struggling, I mean that it sucks. I'm not unable to pay other bills or something.
I'm not being a dick, I'm trying to help. If you're healthy, it is probably in your best interest to purchase the bronze plan. Depending on your income, a sliver plan could be a nice trade off as well.
Posted on 12/19/16 at 1:06 pm to SaintBrees
quote:
Medications. Free clinics and charity hospitals don't write out free scripts for $1000/month medication,
you are saying this is a more common problem than people getting treated?
Posted on 12/19/16 at 1:08 pm to slackster
quote:
$200/month now. $2,400 per year in premiums or $900 penalty with no coverage
You serious Clark?
2400>900. I'm healthy as an ox. I've gotten sick once in the last 6 years. Only hospital visits have been checkup once a year and 2 hand surgeries.
So $900 plus we will say, $100 bucks for a flu shot. Gives me 1400 to save or spend on other shite.
As for if anything really bad happens.. Well. I can just tap into my inheritance.
Posted on 12/19/16 at 1:09 pm to slackster
I know you're not. I just over-prepare. I'm healthy, but I don't take chances. I hate the healthcare costs like everyone does, but I have budgeted to be able to full take care of myself in the worst case scenario.
Posted on 12/19/16 at 1:10 pm to beerJeep
quote:
2400>900. I'm healthy as an ox. I've gotten sick once in the last 6 years. Only hospital visits have been checkup once a year and 2 hand surgeries.
do you have vehicle insurance?
Posted on 12/19/16 at 1:11 pm to Topwater Trout
Do I have it? Yes. Do I pay for it. No.
Posted on 12/19/16 at 1:11 pm to beerJeep
quote:
Only hospital visits have been checkup once a year and 2 hand surgeries.
on your parents insurance? ask them how much it saved you/them being insured
Posted on 12/19/16 at 1:12 pm to Topwater Trout
And like I said. IF something serious happened, I can simply tap into my insurance. If that drys up (lol) I can sell off some stock. If THAT runs out, then I'll probably already be dead.
Posted on 12/19/16 at 1:13 pm to Topwater Trout
See.. You simply fail to see the caveat at the end.
Posted on 12/19/16 at 1:14 pm to beerJeep
quote:
IF something serious happened, I can simply tap into my insurance.
you really don't want to do that...i have never had problems and have a 250k+ medical bill for the last 6 mos...thank goodness i have insurance
Posted on 12/19/16 at 1:14 pm to slackster
quote:
If you're healthy, it is probably in your best interest to purchase the bronze plan
my best interest is to stay healthy and keep my money.
i will have saved near $25-30k by this time next year.
Posted on 12/19/16 at 1:15 pm to GeorgeTheGreek
quote:
I pay the fine. Cheaper and I'm healthy.
I don't get this at all, at least for an individual.
30 year old, $40k income
Bronze plan annual premium after $64/month credit = $2,685
2.5% penalty for no insurance = $1,000
So you "save" $1,685 to be 100% on the hook for an unknown amount of healthcare costs?
30 year old, $80k income
Bronze plan annual premium = $3,458
2.5% penalty for no insurance = $2,000
The savings only get worse the more you make. I just don't get the mindset.
Posted on 12/19/16 at 1:15 pm to beerJeep
quote:
IF something serious happened,
are you single?
just get married, it qualifies as a major life changing event and then you qualify for obamacare rates again.
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