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re: Would you personally be able to budget for individual health insurance earning 110k in WV?
Posted on 1/28/26 at 7:00 am to Mid Iowa Tiger
Posted on 1/28/26 at 7:00 am to Mid Iowa Tiger
quote:
They should look at some high deductible plans not in the exchange.
Where are these plans?
2
Posted on 1/28/26 at 7:10 am to HailHailtoMichigan!
quote:
. That group is hardest hit by the expiring subsidies.
Wait so the "Affordable" Care Act was totally unaffordable without the tax payers covering a big chunk of the cost for a decade? No way
Posted on 1/28/26 at 7:14 am to HailHailtoMichigan!
Healthcare premiums forced me out of our family business back in 2016. What happened? Obamacare. Our BC/BS individual policy for a family of four was $400/month prior to Obamacare. Post Obamacare, that same policy went to $2000/month. Every small business owner we know faces the same challenge: one spouse runs the business and one spouse has a corporate job for benefits.
The goal is socialized medicine with the added benefit of crushing small businesses with costs they can’t afford.
The goal is socialized medicine with the added benefit of crushing small businesses with costs they can’t afford.
Posted on 1/28/26 at 7:25 am to DiamondDog
quote:
Send her butt to stock shelves at Walmart. Then they'll get access to group health insurance.
Yep-exactly my thoughts. Some problems can solve themselves.
Posted on 1/28/26 at 7:29 am to TigerV
quote:
course, if we were to go to single payer, that just means the government will be the provider and we will end up laying the difference in taxes.
This was the real motivation of Obamacare. It was the perfect segway to a single payer system. Other than our military, I can't think of a single service that the gov't runs efficiently.
Our healthcare system might not be the best but its light years ahead of a single payer system.
Posted on 1/28/26 at 7:31 am to HailHailtoMichigan!
I bet they also believe that illegal aliens deserve free health care though.
Posted on 1/28/26 at 7:33 am to frogtown
quote:
Where are these plans?
Most employers offer them. My company offers an incredible one. My premiums are very low and my max out of pocket is very reasonable once you consider how low the premiums are.
Posted on 1/28/26 at 7:34 am to BamaCoaster
quote:
Maybe they should shop around for plans?
You mean like, on an exchange where the cheapest is probably 1000 a month with a 6000 deductible and 12000 max oop?
So that family, just to be Insured will go broke just to be covered.
Posted on 1/28/26 at 7:39 am to HailHailtoMichigan!
Last thing I want to do is "analyze" how this couple could tighten their belts to pay 1/4 of their pre tax income for health insurance or shop around for a great deal of 1/5 of their income.
That it's even a question and a supposedly first world country can't do better is absurd.
That it's even a question and a supposedly first world country can't do better is absurd.
Posted on 1/28/26 at 7:41 am to dyslexiateechur
I pay $3800 per month for the BCBS family plan.
Posted on 1/28/26 at 7:42 am to biglego
quote:
pay $3800 per month
Posted on 1/28/26 at 7:45 am to Centinel
quote:
You're not paying for your health insurance. You're paying for everyone else at the hospital's.
fricking this. We are paying for everyone that stiffs the hospitals and doctors.
Also all the additions layers or bureaucratic bullshite the ACA forced on hospitals and doctors.
I’d be willing to bet hospitals and doctors offices employ more paper pushers than actual seers of patients.
This post was edited on 1/28/26 at 7:47 am
Posted on 1/28/26 at 7:49 am to armytiger96
quote:
Most employers offer them. My company offers an incredible one. My premiums are very low and my max out of pocket is very reasonable once you consider how low the premiums are.
Cool. However we are talking about individual plans in the individual market.
Posted on 1/28/26 at 7:49 am to armytiger96
quote:
Most employers offer them. My company offers an incredible one. My premiums are very low and my max out of pocket is very reasonable once you consider how low the premiums are.
My wife’s is great. Mine gets worse every year or so.
Especially when I was under private equity. Easy way to boost EBITA is shop for worse plans.
This post was edited on 1/28/26 at 7:54 am
Posted on 1/28/26 at 7:50 am to jimmy the leg
quote:
So 40 grand isn’t enough for food, basic internet, and a car? Something doesn’t seem to be adding up.
Vehicle note
Vehicle insurance
Homeowners insurance
Cell phone
Internet
Water
Electricity
Fuel
No, probably not enough if you’ve got a family
Posted on 1/28/26 at 7:51 am to HailHailtoMichigan!
quote:
Lenny and Mandee Wilson, who are 47 years old and live in Charleston, W.Va., paid $255 a month last year for a low-end ACA plan. Late last year, they learned their bill would be going up to $2,155 a month, a sum nearly triple their monthly mortgage payment of about $760.
I currently pay $222.12/wk for my portion of health Ins/Vision/dental. just the health ins is $192.17/wk
my salary is close to his salary, but he has me slightly beat
so he was subsidized to $255/mo ($3060/yr) vs ($9992.84/yr) that i pay but now is paying ($25,860/yr)
not sure what my company pays on my behalf, but my tax statement says the value of my insurance is over $20k from what i remember
Posted on 1/28/26 at 7:52 am to TheArrogantCorndog
quote:
Maybe health insurance is a fricking scam and we should abolish the system and come up with something better
In a hospital, $15 for a single pill of Tylenol is insane... not to mention the cost of birthing a child... its out of control and needs to be addressed
Thanks health insurance!!!
And government. That's the biggest player.
Posted on 1/28/26 at 7:53 am to armytiger96
quote:
Other than our military, I can't think of a single service that the gov't runs efficiently.
Bruh, did you ever have to deal with contracting while in?
Fuuuuuck that shite. What a clusterfrick.
Posted on 1/28/26 at 7:57 am to HailHailtoMichigan!
Probably cheaper to invest that money each month and pay cash when you need to. I miss the cheap major medical policies, where you basically paid cash for checkup/urgent care type visits, but it covered ER visits etc.
Posted on 1/28/26 at 7:58 am to HailHailtoMichigan!
quote:
Husband is IT business owner
Wife makes pottery
10 years ago this sort of couple would be on HGTV trying to buy a $2.5 million dollar house on House Hunters.
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