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Started By
Message
re: Health Insurance Costs Are Out Of Control
Posted on 10/31/25 at 7:48 am to JackandWater
Posted on 10/31/25 at 7:48 am to JackandWater
Go to healthcare.gov
Fill out an application. Its done thru answering questions. It takes all factors then shows you all the options of coverage you qualify for and costs. It figures any discounts (subsidies) you qualify for, if any. Its figured into the costs. You can choose networks, co-pays, deductible, etc
You are in total.control of all factors.
That's different than what the agents do.
Its the Healthcare marketplace. After today, you can lock in your plan for next year.
Don't be intimidated..you can't mess up...
Fill out an application. Its done thru answering questions. It takes all factors then shows you all the options of coverage you qualify for and costs. It figures any discounts (subsidies) you qualify for, if any. Its figured into the costs. You can choose networks, co-pays, deductible, etc
You are in total.control of all factors.
That's different than what the agents do.
Its the Healthcare marketplace. After today, you can lock in your plan for next year.
Don't be intimidated..you can't mess up...
1
Posted on 10/31/25 at 8:03 am to JackandWater
No worries. I was shocked at the prices I got thru there.
At a minimum, ypu get to choose all variables of your coverage.
Single, healthy...u choose certain products that are firt cheap.
Married, kids, poor health etc...you choose lower copay and deductible, and network w nearby hospitals, etc.......so you lower your overall expenses that way.
I know of no one that has tried it, and didn't improve their overall product
At a minimum, ypu get to choose all variables of your coverage.
Single, healthy...u choose certain products that are firt cheap.
Married, kids, poor health etc...you choose lower copay and deductible, and network w nearby hospitals, etc.......so you lower your overall expenses that way.
I know of no one that has tried it, and didn't improve their overall product
Posted on 10/31/25 at 8:12 am to Ten Bears
quote:
As a business owner, this has become my single largest overhead expense. More than worker's comp and general liability. And I pay 80% of my employee's premium and some STILL can't afford it.
How many people do you insure, and what’s your structure?
Costs are out of control for sure, but if you’re fully insured by someone like BCBS you may be able to save a lot by self-funding (at least then you’re not paying the insurance company’s profits, having coverage you don’t need, etc). With costs the way they are, even smaller companies can pull this off now.
Posted on 10/31/25 at 8:41 am to Powerman
quote:
Universal healthcare would be a vast improvement
Absolute insanity.
Posted on 10/31/25 at 8:43 am to Big Fat Guy
If the Trump admin/GOP was serious about reducing healthcare costs, they'd specifically target EMTALA
Posted on 10/31/25 at 8:45 am to Big Fat Guy
No doubt about it, our rising healthcare costs are due to Obama. Thankfully, Trump has a plan and will bring down the cost for hard working Americans soon.
Posted on 10/31/25 at 8:46 am to ChatGPT of LA
quote:
At a minimum, ypu get to choose all variables of your coverage.
Not really. You are extremely limited to what you can buy. The catastrophic policies pre ACA are gone. Not available.
Posted on 10/31/25 at 8:55 am to Big Fat Guy
The scam on health insurance is the mandate to run everything healthcare related through a middle man network that cost more than the care provided to the patients.
The health insurance industry has been allowed to become larger albatross than the problem they were initially engaged to solve. They became so big that they have now taken over care and the medical practitioners are "employed" by the insurance companies.
The easiest way to corrupt a system is to put it all in one basket. Remove options and alternatives and you turn it into a monopoly that can be fully exploited. This is what Obamacare and the insurance companies achieved.
The health insurance industry has been allowed to become larger albatross than the problem they were initially engaged to solve. They became so big that they have now taken over care and the medical practitioners are "employed" by the insurance companies.
The easiest way to corrupt a system is to put it all in one basket. Remove options and alternatives and you turn it into a monopoly that can be fully exploited. This is what Obamacare and the insurance companies achieved.
Posted on 10/31/25 at 8:58 am to Big Fat Guy
Don’t be obese. Don’t be a diabetic. Exercise. Eat right. Stop eating fast food. Eat whole foods I don’t care if it’s meat, veggies, or fruit.
If you do this you will reduce your need for ‘healthcare’ I go to doctor once a year for annual physical. Thats it. Too many Americans are on crestor, Lipitor, etc which only continues to enable people to eat like slobs and stay alive.
If you do this you will reduce your need for ‘healthcare’ I go to doctor once a year for annual physical. Thats it. Too many Americans are on crestor, Lipitor, etc which only continues to enable people to eat like slobs and stay alive.
Posted on 10/31/25 at 9:13 am to ronricks
quote:
If you do this you will reduce your need for ‘healthcare’ I go to doctor once a year for annual physical.
When it comes to insurance costs, it does not matter how healthy you are. The insurance premium is the same whether you are only going in for annual physicals or weekly for care.
Posted on 10/31/25 at 9:15 am to fwtex
Employer pays my health insurance. Not on any prescriptions. Get healthier and it drastically lowers your costs. It’s simple.
Posted on 10/31/25 at 10:09 am to frogtown
quote:
You are extremely limited to what you can buy.
Wrong...simply not true. I've bought my own there for the last 6 years.
Posted on 10/31/25 at 10:15 am to Powerman
quote:
Universal healthcare would be a vast improvement
It actually would not. As far as a basic tenet, YES, you would receive healthcare.
I can guarantee you that the overwhlming majority would not like how it was carried out.
Just like SNAP, when something is given or provided by the government, without cost, it can also be limited or removed.
People think getting specialists and receiving denials are bad now, they will lose it once it's Universal.
Posted on 11/1/25 at 4:35 pm to SloaneRanger
I know. Situation is insane. And the CONgress that caused it all could care less as they pay zero and get diamond health care coverage for life. Only peasants need be concerned with paying $2,500/mo for family coverage with a $10,000 deductible. That $15/hr should be plenty enough to live on.
Posted on 11/1/25 at 5:09 pm to frogtown
quote:
Not really. You are extremely limited to what you can buy. The catastrophic policies pre ACA are gone. Not available
Essentially, every policy now is a catastrophic policy to bake in the costs of treating Cancer, diabetes, infertility, boner pills, AIDS, pregnancy, depending on the state sexual reassignment surgeries, the sniffles, etc.
This post was edited on 11/1/25 at 5:11 pm
Posted on 11/1/25 at 6:23 pm to Tarps99
For funsies and apropos of nothing:
Guatemala has socialized medicine. It’s all free.
Granted, they don’t do anything. And they don’t cover anything. But it’s socialized medicine.
Guatemala has socialized medicine. It’s all free.
Granted, they don’t do anything. And they don’t cover anything. But it’s socialized medicine.
Posted on 11/1/25 at 6:27 pm to the808bass
quote:
Granted, they don’t do anything. And they don’t cover anything. But it’s socialized medicine.
Just like the insurance policy I offered everyone upthread.
And this is what people fail to understand, and it's exactly why people need to stop calling health insurance health care.
The politicians trained people to conflate the two specifically so that they would think something meaningful was being done by providing "universal" coverage.
Posted on 11/1/25 at 6:45 pm to Big Fat Guy
Holy shite...I'm a USMC vet who served in combat (you get cheaper co-pays if you did) and I pay very little copay for visits.
I feel really bad for families and singles who pay so much.
I feel really bad for families and singles who pay so much.
Posted on 11/1/25 at 6:53 pm to Big Fat Guy
Need some black market Doctors. The problem is the entire industry and the Government being involved. They don't want the Healthcare to be cheap.
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