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re: Health insurance premium for 2018 is absolutely outrageous

Posted on 11/14/17 at 12:00 pm to
Posted by MontyFranklyn
T-Town
Member since Jan 2012
24301 posts
Posted on 11/14/17 at 12:00 pm to
I go for the absolute lowest premium out of my pocket and subsidize with mortgage insurance, cancer, accidental and a HSA.
Posted by ksayetiger
Centenary Gents
Member since Jul 2007
70474 posts
Posted on 11/14/17 at 12:01 pm to
quote:

one could get $$$ back?







Cmon now. Lets be real
Posted by TH03
Mogadishu
Member since Dec 2008
172004 posts
Posted on 11/14/17 at 12:02 pm to
Truth. My income has not been affected by health care costs and I'm very pleased with my total compensation.

Obviously I'm fortunate.
This post was edited on 11/14/17 at 12:02 pm
Posted by Big Block Stingray
Top down on open road
Member since Feb 2009
2096 posts
Posted on 11/14/17 at 12:02 pm to
quote:

Isn't an emergency considered an immediate response needed?

What about the person with cancer or something that requires said diagnostics in the couple month time frame?

A lot of things can get worse in 60 days.



Life or limb has be threatened at that moment, if not it's not considered an emergency.
This post was edited on 11/14/17 at 12:04 pm
Posted by 50_Tiger
Arlington TX
Member since Jan 2016
43552 posts
Posted on 11/14/17 at 12:03 pm to
quote:

total compensation.


I am starting to get the feeling that some of tOT don't know what this means and how to determine it.
Posted by Festus
With Skillet
Member since Nov 2009
86142 posts
Posted on 11/14/17 at 12:03 pm to
quote:

Obviously I'm one of the poors you are paying for.
Posted by Harry Caray
Denial
Member since Aug 2009
21045 posts
Posted on 11/14/17 at 12:03 pm to
quote:

Are there any plans, that as incentive for being healthy, one could get $$$ back?

It seems to me you don't quite understand the insurance scam. You pay for something you may not need, and if you do need it, you'll have to pay even more.
Posted by GetCocky11
Calgary, AB
Member since Oct 2012
53509 posts
Posted on 11/14/17 at 12:03 pm to
quote:

Now I know why you prefer the American system


I just don't think the UK or Canadian systems are as cool as they may seem on the surface.

The UK NHS has been having some real issues recently.

Canadians still pay a lot in taxes for public insurance and still have to pay out of pocket for many things like drugs.
Posted by Harry Caray
Denial
Member since Aug 2009
21045 posts
Posted on 11/14/17 at 12:04 pm to
quote:

I am starting to get the feeling that some of tOT don't know what this means and how to determine it.

Why should healthcare or the means to be healthy be tied to someone's income at all?
Posted by rocket31
Member since Jan 2008
41888 posts
Posted on 11/14/17 at 12:05 pm to
quote:

So you could be taking home a hole $5500 more!


only in america can a healthy 30 year old dude be proud having to pay 5500 for health insurance every year

Posted by Harry Caray
Denial
Member since Aug 2009
21045 posts
Posted on 11/14/17 at 12:06 pm to
Complacency about the insurance system is what's fricked us in the first place. So many people are brainwashed to think we're better off getting fricked in the arse.
Posted by TigerstuckinMS
Member since Nov 2005
33687 posts
Posted on 11/14/17 at 12:08 pm to
quote:

What's your point?

That most of us are now paying way more than we used to, but some of us see it more directly than others.

If your employer is footing the majority of the bill, the impact on you of increases is hidden because you just see a modest increase in the portion that you can see. We're all getting raped, the people who pay for it by writing the full check themselves are noticing it more. Instead of "I only pay 60 dollars a month", they see "HOLY frick, THEY'RE BLEEDING US DRY".

It's very similar to why income taxes are withheld every check instead of having to pay all at once in April. The conversation goes REAL fricking quick from "Oooh, I got a $750 rebate!" to "WHY THE frick AM I PAYING $15,000 IN TAXES?!".

The point is that it's far easier for them to steal from you when they do it a little bit at a time or effectively hide it from you.
This post was edited on 11/14/17 at 12:09 pm
Posted by TH03
Mogadishu
Member since Dec 2008
172004 posts
Posted on 11/14/17 at 12:11 pm to
I don't pay that and I don't lose out on other compensation because of it either since I've already made in 9 months what my yearly compensation was agreed upon when I was hired.
Posted by 50_Tiger
Arlington TX
Member since Jan 2016
43552 posts
Posted on 11/14/17 at 12:11 pm to
quote:

Why should healthcare or the means to be healthy be tied to someone's income at all?


Oh boy...

So you have two companies A & B. Here are there compensation packages offered to you.

A:

90k base w/ 10% EOY bonus (Max 20%)
5% Pension each pay period
4 Weeks PTO
Healthcare benefits Total cost (5500) out-of-pocket (840)

B:

100k Base
401k 3% match
2 Weeks PTO
Healthcare Benefits Total cost (8000) out-of-pocket (3500)


Which offer do you take?


Everything has a value.
Posted by Harry Caray
Denial
Member since Aug 2009
21045 posts
Posted on 11/14/17 at 12:12 pm to
You're completely missing my point. It's bullshite that healthcare should even need to be a part of compensation, and part of the reason why we're here in the first place.
Posted by 50_Tiger
Arlington TX
Member since Jan 2016
43552 posts
Posted on 11/14/17 at 12:13 pm to
quote:

You're completely missing my point. It's bullshite that healthcare should even need to be a part of compensation, and part of the reason why we're here in the first place.


No im not.

I am suggesting that health care shouldn't be free.

It's not free and someone has to pay for it.
Posted by rocket31
Member since Jan 2008
41888 posts
Posted on 11/14/17 at 12:13 pm to
50 doesnt get it.

hes actually happy that instead of having 5500 in his pocket from his employer every year that it goes to health insurance he will never use

dude is lost
This post was edited on 11/14/17 at 12:14 pm
Posted by TigerstuckinMS
Member since Nov 2005
33687 posts
Posted on 11/14/17 at 12:14 pm to
quote:

Truth. My income has not been affected by health care costs and I'm very pleased with my total compensation.

But your income HAS been affected. They've just hidden it from you! Premiums have risen, but your take-home hasn't dropped. That extra money that's going to premiums is money that your employer could be giving to you, but instead is now giving to the insurance companies. You are being compensated more for your work, and they're taking their cut out before you ever see that extra compensation. They're leaving your net take-home pay roughly the same and have just cut you out of the loop and are betting you're either too stupid to realize they've done it or are too complacent to do anything about it.
Posted by TH03
Mogadishu
Member since Dec 2008
172004 posts
Posted on 11/14/17 at 12:14 pm to
You're acting like that money is taken from salary to pay insurance. Or that if insurance was free, the money would be added to salary.
Posted by athenslife101
Member since Feb 2013
20651 posts
Posted on 11/14/17 at 12:16 pm to
Student loans suck!

I went through and looked at how much of my money is already allocated and per paycheck, I have, depending on how much overtime I get, $150 a week for food, laundry, alcohol, transportation, clothing, etc.

I can generally get by on 50-60 dollars during the week, but the weekends kill me.
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