[NilNisiOptimum]

(12-14-2016 01:27 AM)philosophical_recovery Wrote:  

Almost nothing. High deductable + employer contribution + lots of goodies. Good pay + bennies = great but hard to motivate yourself to escape being an employee.

Pretty good deal. Even before them I've been on a high deductable plan of some form for close to a decade. Sometimes on my own dime.

I'm going a similar route. I went with my employer's high deductible offering, which includes a contribution to my HSA. Even with a family that includes three kids under 6, it's been a good move so far. The HsA contribution keeps something that hits all the kids from breaking the bank, as the money is already set aside.

I would advise that if your company offers HSA contributions, take a very long look at the plan. The HSA stays with you, even if you leave the company. This is opposed to an FSA, which is an annual "use it or lose it" account.

[456]

Single, self-employed, big city -- just increased to OVER $500 / mo. for the ObamaCare "high deductible" plan which has a deductible / out-of-pocket max of ~$7,000 anually.

So I'm paying ~$6k/year for the privilege -- at least it's a write-off. Cold comfort.

[Turnus]

^^^^ Ouch!

[Cattle Rustler]

0, didn't purchase it and I have exemptions to not pay any penalty.

[username]

Mine is set to go to nearly $400 in 2017 from the $200 it was in 2016. I plan to drop it, pay the penalty, and get catastrophic coverage outside the exchange.

[Sam Malone]

I did a forum search, this thread seemed like the best place to ask this..

I've done some searching on the web, but can't really find anything tha explains it in any clarity. And the forum members keep it real instead of sugar coating it.

What can really be expected from Obamacare this year, and in 2018 ?

[LeavingAmerica]

$20/month. I am signed up with the socialized healthcare here in Panama. It is kind of shit, but I keep it around for emergencies and free pills from the pharmacy.

[Hell_Is_Like_Newark]

(03-26-2017 08:34 AM)Sam Malone Wrote:  

I did a forum search, this thread seemed like the best place to ask this..

I've done some searching on the web, but can't really find anything tha explains it in any clarity. And the forum members keep it real instead of sugar coating it.

What can really be expected from Obamacare this year, and in 2018 ?

Depends where you are. NJ, NY, and VT did a version of Obamacare back in the 1990s: Guaranteed issue (doesn't matter what your pre-conditions are), community rating (insurers must charge the same rate to a obese 50 year old women who smokes as a 25 year old healthy male), and lots of required coverage (making men pay for maternity coverage).

Here in NJ, the healthy dropped the plans and the chronically ill drained them. The end result was the only insurer was Blue Cross. It was going to cost me $650+ a month (in 1995 dollars) for coverage that didn't even cover catastrophic events.

What happened here in NJ is now happening in other states. Insurers as they bleed red, will simply stop writing policies. You may not be able to get insurance (which really isn't "insurance", but that is a different thread). With the mandate no longer being enforced, the young and healthy are going to bale (the ones who don't qualify for Medicade).

The ACA was designed to collapse private insurance. This was deliberate to force everyone into a Canadian style single payer.

Note: I was self-employed for a while and had a small payroll. I got educated on insurance because I had to.

[Sonoma]

My health insurance is 1900 a month, paid by employer

[TheBMan]

(12-20-2016 12:14 PM)456 Wrote:  

Single, self-employed, big city -- just increased to OVER $500 / mo. for the ObamaCare "high deductible" plan which has a deductible / out-of-pocket max of ~$7,000 anually.

So I'm paying ~$6k/year for the privilege -- at least it's a write-off. Cold comfort.

Mind if I ask you age? I'm 40, single, healthy, big city - now paying close to $300 a month for a shitty plan w/the same 7k deductible. Four years ago a similar plan was $100/month until Obamacare fucked everything up.

[Chetthebaker]

$700 a month for a higher tier plan since I have a chronic condition and need medication. I've had my premium go up every year since Obamacare came into effect. Also had to pick a new plan like 3 years in a row due to discontinuation of old plan, and deal with all kinds of other bullshit.

[polar]

Anyone familiar with healthcare sharing ministries? What have your experiences been like? I'm researching for someone on an Obamacare plan, with higher premiums and deductibles year on year on year...and if the math works out I would drop my employer plan, too.

http://www.wikipedia.org/wiki/Health_car...g_ministry

[456]

(03-27-2017 09:39 PM)TheBMan Wrote:  

(12-20-2016 12:14 PM)456 Wrote:  

Single, self-employed, big city -- just increased to OVER $500 / mo. for the ObamaCare "high deductible" plan which has a deductible / out-of-pocket max of ~$7,000 anually.

So I'm paying ~$6k/year for the privilege -- at least it's a write-off. Cold comfort.

Mind if I ask you age? I'm 40, single, healthy, big city - now paying close to $300 a month for a shitty plan w/the same 7k deductible. Four years ago a similar plan was $100/month until Obamacare fucked everything up.

I'm in my early 30s.