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Help re: "affordable" healthcare

Posted on 11/29/16 at 6:41 pm
Posted by FenrirTheBeard
NOLA
Member since Jun 2012
6817 posts
Posted on 11/29/16 at 6:41 pm
I recently got married (sorry, no pics) and need healthcare because I moved to a different state. My last monthly premium (after applied credits) was relatively low. Now that I'm married, my premium has almost quadrupled even though the insurance is still only for me. Our combined income isn't much different than what I was making single because my wife is in graduate school. I seriously cannot afford the premiums I am offered and need insurance. Anyone else in this spot? Any help is greatly appreciated.


Posted by Breesus
Unplug
Member since Jan 2010
69549 posts
Posted on 11/29/16 at 6:42 pm to
I didn't read any of that but Obama and Congress butt fricked our health care system, no lube, no warning.

Worst part is many of the built in triggers to make things worse haven't even happened yet.
Posted by Bmath
LA
Member since Aug 2010
18919 posts
Posted on 11/29/16 at 6:47 pm to
You don't get insurance through your job?
Posted by FenrirTheBeard
NOLA
Member since Jun 2012
6817 posts
Posted on 11/29/16 at 6:50 pm to
no, my company doesn't offer it. I will be switching jobs in the next few months and they will, but for the time being it seems I'm screwed.
Posted by Halftrack
The Wild Blue Yonder
Member since Apr 2015
2763 posts
Posted on 11/29/16 at 6:51 pm to
Self-employed peopled often don't get insurance through their job.
Posted by Dayman
Member since Sep 2015
736 posts
Posted on 11/29/16 at 6:53 pm to
quote:

Any help is greatly appreciated.


Bite the bullet until Trump gets in office and MAGA's all over the unaffordable care act.
Posted by boxcarbarney
Above all things, be a man
Member since Jul 2007
27221 posts
Posted on 11/29/16 at 6:59 pm to
I hear you, brah. My insurance is due to go up $200 next year.

And people want to keep this shitastic law.
Posted by East Coast Band
Member since Nov 2010
66984 posts
Posted on 11/29/16 at 7:03 pm to
Triggers?
Such as?
Posted by Zappas Stache
Utility Muffin Research Kitchen
Member since Apr 2009
43522 posts
Posted on 11/29/16 at 7:03 pm to
quote:

but Obama and Congress butt fricked our health care system,


Health care cost were already soaring when Obama took office. I am self employed and always saw a 15-20% increase year to year. The biggest problem w/ Obamacare is it did/does nothing to control costs. But getting rid of Obamacare won't either. To the OP, call an insurance agent and have them give you a quote. The problem w/ the Obamacare exchanges is its mostly sick people buying thru there because private open market companies won't sell to them. So the costs to the insurance companies selling on the exchange is very high....and thats passed on to the consumer. I found a policy on the open market that's better than the silver plan on the exchange and cheaper.
Posted by Halftrack
The Wild Blue Yonder
Member since Apr 2015
2763 posts
Posted on 11/29/16 at 7:06 pm to
That's the problem for self-employed people - no group policy. If you have a pre-existing condition, it's tough to get insurance.

So, if you are an entrepreneur with a prior condition, you are basically SOL with insurance. As a small businessman with a small finance company and a kidney condition, I can't get insurance without the ACA.

So, hopefully Trmp will come up with a plan to let me buy insurance and keep my business. If not, I can't get it.
Posted by RollDawgRoll
Member since Sep 2009
2045 posts
Posted on 11/29/16 at 7:08 pm to
Get a short term medical plan until you get on new employers plan. It isn't ACA compliant, but if it's for two months of so, the penalty shouldn't be bad (if any).

If you're under 30, did you look into a catastrophic plan?
This post was edited on 11/29/16 at 7:10 pm
Posted by GEAUXT
Member since Nov 2007
30614 posts
Posted on 11/29/16 at 7:08 pm to
quote:

"affordable" healthcare


Posted by La Cucaracha
Lafayette
Member since Oct 2016
511 posts
Posted on 11/29/16 at 7:10 pm to
quote:

my wife is in graduate school


Can she get insurance through the university? If so, it may be worth a look to see if she can add you.
Posted by TigerGman
Center of the Universe
Member since Sep 2006
14079 posts
Posted on 11/29/16 at 7:11 pm to
quote:

That's the problem for self-employed people - no group policy. If you have a pre-existing condition, it's tough to get insurance.

So, if you are an entrepreneur with a prior condition, you are basically SOL with insurance. As a small businessman with a small finance company and a kidney condition, I can't get insurance without the ACA.

So, hopefully Trmp will come up with a plan to let me buy insurance and keep my business. If not, I can't get it.



Well said.
Posted by tigerbandpiccolo
Member since Oct 2005
49482 posts
Posted on 11/29/16 at 7:14 pm to
I know many in this spot. Please look into the Christian and Mormon medishare companies. Very reasonable for good coverage. I hope you find something good, best of luck!
This post was edited on 11/29/16 at 7:15 pm
Posted by Bestbank Tiger
Premium Member
Member since Jan 2005
82321 posts
Posted on 11/29/16 at 7:15 pm to
(no message)
This post was edited on 1/14/21 at 12:36 pm
Posted by Zappas Stache
Utility Muffin Research Kitchen
Member since Apr 2009
43522 posts
Posted on 11/29/16 at 7:22 pm to
quote:

If you have a pre-existing condition, it's tough to get insurance.

So, if you are an entrepreneur with a prior condition, you are basically SOL with insurance.


I was in that boat before Obamacare. Have had 2 back surgeries so insurance excluded coverage for any back issue. At least I could get insurance. But Obama got rid of that BS exclusion. My individual policy is still a reasonable cost. Over the past 5 years, my policy has gone up 60%....about the same rate of increase as before Obama.
Posted by Bmath
LA
Member since Aug 2010
18919 posts
Posted on 11/29/16 at 7:22 pm to
What if you choose a plan with a higher deductible?
Posted by ellishughtiger
70118
Member since Jul 2004
21182 posts
Posted on 11/29/16 at 7:23 pm to
Did you have to find a new primary physician after switching to Christian Ministries?
Posted by FenrirTheBeard
NOLA
Member since Jun 2012
6817 posts
Posted on 11/29/16 at 7:28 pm to
She is and she can, but >$300 month
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