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Message
Anyone tried to get health insurance through the exchange lately? ** Update on page 3 **
Posted on 9/25/17 at 1:46 pm
Posted on 9/25/17 at 1:46 pm
Family of 4, make too much money for any subsidy help (F me, right?), and the cheapest bronze plan is $965/m and doesn't pay anything until you meet a $15,500 deductible. So basically we'd be out $15,500 + (12 x $965) = $27,080 before this piece of shite would pay ANYTHING.
Pretty much have no choice but to get a plan that is over $1,500 per month because the deductibles are so high. Absolute insanity. Wife and I are in our early 30s and have two kids, 5 & 2. We're all healthy and there's not a single regular prescription between the 4 of us.
F every MFer who had a hand in crafting/keeping this disaster.
Pretty much have no choice but to get a plan that is over $1,500 per month because the deductibles are so high. Absolute insanity. Wife and I are in our early 30s and have two kids, 5 & 2. We're all healthy and there's not a single regular prescription between the 4 of us.
F every MFer who had a hand in crafting/keeping this disaster.
This post was edited on 10/30/17 at 1:40 pm
19
Posted on 9/25/17 at 1:47 pm to Costanza
quote:
F every MFer who had a hand in crafting/keeping this disaster.
Agreed.
Posted on 9/25/17 at 1:47 pm to Costanza
Does your wife work?
Posted on 9/25/17 at 1:47 pm to Costanza
Yes, this summer.
I wonder what it was like trying to get insurance outside the workplace before the exchange?
I wonder what it was like trying to get insurance outside the workplace before the exchange?
Posted on 9/25/17 at 1:48 pm to CoachChappy
quote:
Does your wife work?
Stay at home mom.
Posted on 9/25/17 at 1:48 pm to Costanza
Just don't buy insurance.
Pay out of pocket for wellness visits, vaccinations, etc. and get yourself a plan if someone is diagnosed with something catastrophic.
oh...and...stay out of the emergency room.
Drive carefully.
Pay out of pocket for wellness visits, vaccinations, etc. and get yourself a plan if someone is diagnosed with something catastrophic.
oh...and...stay out of the emergency room.
Drive carefully.
This post was edited on 9/25/17 at 1:50 pm
Posted on 9/25/17 at 1:49 pm to Eli Goldfinger
quote:
Just don't buy insurance.
Pay out of pocket for wellness visits, vaccinations, etc. and get yourself a plan is someone is diagnosed with something catastrophic.
Drive carefully.
It's difficult to do that, and feel good about it, with young kids. They don't have the same sense of self preservation as we do.
Posted on 9/25/17 at 1:50 pm to DuncanIdaho
quote:
I wonder what it was like trying to get insurance outside the workplace before the exchange?
Go online. Shop. Purchase.
Posted on 9/25/17 at 1:50 pm to Eli Goldfinger
quote:
Just don't buy insurance.
Pay out of pocket for wellness visits, vaccinations, etc. and get yourself a plan if someone is diagnosed with something catastrophic.
Drive carefully.
As someone who pays a shitload of taxes so that others can have affordable healthcare, this is not an acceptable option for me.
***Edited to add, that this is even a conceivable option for a family that pays in as much as I do to support our government is outrageous.
This post was edited on 9/25/17 at 2:04 pm
Posted on 9/25/17 at 1:51 pm to Costanza
Bamatool will be here shortly to do one of the following
A. call you a liar
B. Tell you this is a great deal
A. call you a liar
B. Tell you this is a great deal
Posted on 9/25/17 at 1:51 pm to Costanza
quote:
Stay at home mom
Here's what a lot of my students' parents do.
Divorce her, she becomes a single mom of 2, Medicaid covers her and the kids. Rent her your house, you "live at you parents". Now, the gov't will cover her rent in her well fair and food stamps. Y'all will be good rich quick.
Posted on 9/25/17 at 1:51 pm to Costanza
I'm just waiting for the wife to hit 65 so her premiums will go down at least 40-50% of what we're paying for now, which is less coverage and higher deducts than what she had on my company's plan.
Posted on 9/25/17 at 1:52 pm to DuncanIdaho
quote:
I wonder what it was like trying to get insurance outside the workplace before the exchange?
Typical snowflake lib who can't anything without mama government holding his hand.
This post was edited on 9/25/17 at 1:54 pm
Posted on 9/25/17 at 1:52 pm to Costanza
Are you a church goer? There are some insurance risk groups set up by religious orgs you can seek out.
you won't be subjected to people like the dependent duncan idaho in those plans which is a bonus.
you won't be subjected to people like the dependent duncan idaho in those plans which is a bonus.
This post was edited on 9/25/17 at 1:56 pm
Posted on 9/25/17 at 1:55 pm to Costanza
quote:
Family of 4, make too much money for any subsidy help (F me, right?), and the cheapest bronze plan is $965/m and doesn't pay anything until you meet a $15,500 deductible. So basically we'd be out $15,500 + (12 x $965) = $27,080 before this piece of shite would pay ANYTHING. Pretty much have no choice but to get a plan that is over $1,500 per month because the deductibles are so high. Absolute insanity. Wife and I are in our early 30s and have two kids, 5 & 2. We're all healthy and there's not a single regular prescription between the 4 of us. F every MFer who had a hand in crafting/keeping this disaster.
What was the household income you had put down to get these estimates?
Posted on 9/25/17 at 1:56 pm to CoachChappy
quote:
Here's what a lot of my students' parents do.
Divorce her, she becomes a single mom of 2, Medicaid covers her and the kids. Rent her your house, you "live at you parents". Now, the gov't will cover her rent in her well fair and food stamps. Y'all will be good rich quick.
This seems plausible. No sarcasm.
Posted on 9/25/17 at 1:57 pm to Costanza
My family situation is exactly the same, only my kids are about 5 years older than both of yours. Number 3 is due during the holidays.
I think I'm at like 1200/month or so. I understand your frustration, it is mine at times as well, but I like the ACA. Hopefully, they can tweak it and get it corrected.
I think I'm at like 1200/month or so. I understand your frustration, it is mine at times as well, but I like the ACA. Hopefully, they can tweak it and get it corrected.
Posted on 9/25/17 at 1:57 pm to TennesseeFan25
quote:
What was the household income you had put down to get these estimates?
It just asked if household income was over $96k to rule out qualifying for some of the subsidy. Anything over that, these are the options.
Posted on 9/25/17 at 1:57 pm to Costanza
Why don't you just pay your fair share and quit your bitching? Millions of American degenerates depend on you overpaying. Thank you.
-the left
-the left
Posted on 9/25/17 at 2:06 pm to Eli Goldfinger
quote:
Pay out of pocket for wellness visits, vaccinations, etc.
Good luck with that. Most doctors offices wont even accept you as a patient without some form of insurance. It doesn't matter if you have a briefcase full of cash in hand.
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