Health insurance

[Copprhed]

First years fine is supposed to be around $100. I pay 271 with a subsidy of 313. Without it, I wouldn't have insurance, so I'm grateful. Been looking at 600+ a month for years and couldn't afford it. Have lots of potentials...esophageal cancer, heart disease, etc all hereditary. As bad as opinions are, there will be fewer people not paying for the health care they receive, so I think, in the long run it will be a positive.

[rpm]

Mine didn't change.

[Nefarious]

Haven't had insurance since I was 18. Now I do. I will pay $62 a month. With $500 deductible and $25 copays for visits and medication.

I am a fairly healthy guy, I rarely hurt myself severely, so I never considered owning insurance at the cost it has been for me in the last 10 years. I figure at this price, It is safer and cheaper (if something bad should happen) to have it, than not.

[68ZooM]

See Rule #14

[Delirium]

See Rules #2, #14

[CAP1]

First years fine is supposed to be around $100. I pay 271 with a subsidy of 313. Without it, I wouldn't have insurance, so I'm grateful. Been looking at 600+ a month for years and couldn't afford it. Have lots of potentials...esophageal cancer, heart disease, etc all hereditary. As bad as opinions are, there will be fewer people not paying for the health care they receive, so I think, in the long run it will be a positive.

$6k deductible. remember that. that means that till you've spent that much in a year, you pay for everything. even though you've got insurance.

[CAP1]

See Rules #2, #14

[fracca]

Its def made healthcare more affordable for this family. Still expensive for a pretty poor service to be honest (compared to what i was used to in the europe), but less silly cost by far.

[Mongoose]

  Mine is about to go up by a considerable amount.

[Karnak]

I was able to get insurance for my family, something that was prohibitively expensive previously.

[CAP1]

See Rule #14

[RotBaron]

It is based off of your income. If your premium is really low they have probably pushed you toward state medicaid (which is fed sub'd). I noticed that if you are in the medicaid bracket you ought to add dental...Get 'em pearly again.

Also the fine is based off of income...

Like Forrest said, dat's about all I'm gonna say about dat

[Shamus]

I'v been in the individual market all my life, rates were fine till I hit my 50's, then they started to shoot up, no claims to speak of, in good health. I'm over 60 now still in good health, rates about 45% less this year than last.

The thing that I'm interested in finding out is how claims payments are gonna be handled, in the individual market it was a nightmare, the companies fought everything, this isn't covered, this is coded wrong..etc always had to jump through hoops that my friends with group coverage didn't have to deal with.

We shall see.

shamus 

[SilverZ06]

Odly enough it was health insurance that made it possible for the great leaps forward in medical care in the US.  They were willing to pay which gave healthcare companies incentive to develop products and services.

When I was a boy, the doc came to your house, opened his black bag and pretty much, your healthcare came out of that bag.  No, MRIs, no CT scans, no wiggly things that went up the unspeakable orifices in the human body.

It is a wonderful healthcare system we have but it is just real expensive.

It is completely over priced. Healthcare costs are so inflated it isn't even funny. When my wife was in the hospital after going through a c-section for our second son, she had to get a CT Scan of her chest to check for pneumonia. Do you know how much the bill was for just the CT Scan alone? If you guessed $5,000 you would be wrong. If you had guessed $10,000 you would be wrong. If you guessed $15,000 you win!  $15,000 for a CT Scan? Are you f'in kidding me. The total bill for her procedure (due do internal bleeding complications after the surgery because the doctor "may have nicked something but wasn't sure and probably wouldn't be able to find it if they opened her back up") was over $100,000. That is quite an expensive child birth if you ask me.

[MrKrabs]

I lost mine when my company forced me down to 18 hours a week when I was injured... Doctor's note stated I can work "up to" 30 hours a week...

Sad thing is they pressed me down long enough to loose my coverage meaning I had to wait 1 year again in order to qualify back on their insurance...




The problem is I've been waiting to get surgery for nearly 4 years now and recently got new private insurance... I'm tired of walking in a cast, but I cannot rush into it since I'll probably be out of work for about 2 years...

I spend about $350 dollars now a month for what I need/going to need...