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My husband lost his job last year. We went on Obamacare for a while. It was a major step down and a real pita.
Obamacare isn't an insurance company. Or a type of insurance. Its rules about insurance. You could have paid more for better insurance if you were inclined. But the rules would still be there.
ETA: one of the rules of the ACA is children stay on their parent's insurance until 24. And I am pretty sure they can not choose to drop their kid from it. So the OP will have the same insurance even if he moved out for 3 more years or until ACA is removed.
Obamacare isn't an insurance company. Or a type of insurance. Its rules about insurance. You could have paid more for better insurance if you were inclined. But the rules would still be there.
It's dealing with a government agency and red tape and phone calls to fix a problem they created. It's also limited choices and driving for an extra 30 minutes to get care. One person I know has to drive an extra hour because her child was born with some medical conditions. Even my doctor commented on how bad it is.
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Originally Posted by AnotherTouchOfWhimsy
Our "Obamacare" insurance is much better than what we had previously. I guess your perception depends on what you had before, though.
It's worse for us. That's why I am suggesting the OP might want to hang onto his parent's insurance while he can.
It's dealing with a government agency and red tape and phone calls to fix a problem they created. It's also limited choices and driving for an extra 30 minutes to get care. One person I know has to drive an extra hour because her child was born with some medical conditions. Even my doctor commented on how bad it is.
It's worse for us. That's why I am suggesting the OP might want to hang onto his parent's insurance while he can.
It's dealing with a government agency and red tape and phone calls to fix a problem they created. It's also limited choices and driving for an extra 30 minutes to get care. One person I know has to drive an extra hour because her child was born with some medical conditions. Even my doctor commented on how bad it is.
It's not insurance run by the government. We have Blue Cross insurance through the ACA. The only difference is that we bought it through the Marketplace, which is like an insurance broker run by the government. You don't have to buy ACA-compliant insurance through the Marketplace (but you do if you qualify for and want to take a subsidy). Whether or not we bought it through the Marketplace, the same rules would be in place (no copay for annual checkups, vaccinations covered, no pre-existing condition considerations, etc). If your doctor has a problem with the specific insurance company, then that's a problem with the specific insurance company. Each state has a different company or companies to choose from. We had the choice of two or three and we chose Blue Cross. I don't remember what the other two were. If we wanted a different insurance company, we would be free to purchase that on our own, but it would likely be more expensive. And if we had employer-based insurance (which we do not because we are both self-employed), then that would have to cover the same type of care in order to be ACA-compliant.
Hey Parents! I need some perspective. I'm a 21 year old college student. I'm an Eagle Scout and a lifelong entrepreneur. I live with my parents. My mom is 52 and my dad will be 60 this year.
I have been an entrepreneur my entire life. At 5 I was selling bags of crayons. In the fourth grade I was pet sitting. In my junior year of high school I started a fishing lure company that I built to be a nice size business that got national press. I started a charity fishing tournament in high school that is still going on today. I also have written and been published in world wide fishing magazines.
I've always been hard working and motivated. I'm a solid C student in college as well as high school. I liked high school, but got A LOT of help from teachers and counselors. I have a diagnosed learning disability in Math, so I had all kinds of accommodations and help, support, and encouragement. I never really struggled in high school, and looking back there was always someone was there to catch me when I fell.
I went to a private, Catholic high school. I've always been introverted, but in high school I had more friends than I had ever had before. There were 310 kids in my graduating class. I knew everyone and they knew me.
I went to a small, VERY expensive Catholic College my first year and sank/struggled academically. I failed a lot of classes and became depressed and started having anxiety attacks. I left there with a 1.8 GPA. I finished community college last week with a 2.4 GPA.
My mom and I have always been VERY, very close. I was born with several challenges. I didn't talk until I was 3. I was born with hypotonia (low muscle tone). I was in speech therapy for years and was in physical therapy until the fourth grade. I've struggled with my weight for years and was diagnosed hypopituitarism when I was 10. Nothing I have can be cured, only treated. My mom has always been my rock and biggest supporter, but things have changed in the past two years.
My mom and I now argue more than ever. She has called me lazy and tells me its hard for her to have any respect for me. She is angry that I do not have a job. I make my own money and even invest it. My parents are worried I have no social skills. They do not want me to get a job for money, but to socialize more. For someone who has been his own boss his whole life, this seems like death. I'm a bit of a control freak when it comes to business and love the control I have over how I spend my time. I eat, sleep, breathe, and read all things business 24/7. This morning she threatened to kick me out if I do not get a job. I DO apply to jobs, but no one wants to hire a entrepreneur with no work experience.
Seems like there's something beneath the surface here.
Could you consider asking your mother (in a time when things are calm) what's been happening the past 2 years and what she really needs?
Is it time for you to move out on your own?
As the mother of adult sons, there comes a time when they have to begin to fly into their own world.
You may not want to do that. Comfort is so much easier.
It will make you stronger though. AND a better entrepreneur.
It sounds like you could use a little humility as well.
Struggle teaches that and helps us learn about the world--qualities important for success.
Really listen to your mother; what is she asking for you to accomplish?
Your mother's push may be likened to her preparing you for when she's gone.
You won't want to do what I suggest.
Apply to the simplest job you can get that you can comfortably accomplish and live on your own.
Stay close to your self-care, and focus on learning who you are and what you need to be effective in working.
Remove distractions. Learn to be an employee (that's your PRIMARY focus) not an entrepreneur.
Learn to work and socialize with others.
Get along.
Work your way up.
Take notes. They will be helpful later.
The best successful entrepreneurs know how to manage these things.
They made a tv show about it: Undercover Boss
You do not have your own resources yet to be an entrepreneur.
True entrepreneurs know what it's like to sacrifice to get their dream.
That's part of the adventure, and part of the thrill of success.
Do the work to have the life you want.
The world is waiting. Get out there, before you're ready.
You've missed the point. The OP has his parent's insurance. Whatever level of insurance that is, it is working for him. You're suggesting he can leave the safety net and get the Obamacare. He can do that, but to replace what he has already, may come with significantly more cost and hassle particularly if he likes his doctors or specialists. The OP already has medical needs that appear to be beyond regular checkups. His needs are already more costly than an average person his age. Yes, he can pay more and get better insurance, but it all comes with cost. You can shop it around, but what is affordable to you may limit your choices and still not be comparable to what he is still eligible for with his parents. The OP may be able to find doctors and specialists, but the ones who are familiar with him may not accept the insurance options he is eligible for. The new insurance may be subsidized, but to get the level of benefits he currently has may be more expensive. His out of pocket could be way more than what his parents currently pay. Where we live many of our local doctors simply don't accept that insurance available through the ACA. People end up driving out to some non-local facility 30 miles away to get the care they need.
In our case, we found that getting the Obamacare automatically routed us in a direction we didn't like at signup. It was difficult to go back in and try to fix and upgrade it. It put my kids on Medicare and wouldn't let us go back in and change that. We didn't want Medicare, we wanted everyone under the same insurance plan. We had to call in and try and fix it. Whatever, was done there didn't fix the problem and created another problem. Also, my kids were automatically signed up for free lunch programs at school even though we did not want or request that. The Obamacare has truly been a hassle. Fortunately, we had resources to manage, and only a temporary income loss. Obamacare was a way to manage the resources until something better came along. For someone with less resources, it may be an easier undertaking.
He doesn't have to go on Obamacare at all if he has his health insurance under his parents' plan. Moving out should have nothing to do with what kind of health insurance he has.
You've missed the point. The OP has his parent's insurance. Whatever level of insurance that is, it is working for him. You're suggesting he can leave the safety net and get the Obamacare. He can do that, but to replace what he has already, may come with significantly more cost and hassle particularly if he likes his doctors or specialists. The OP already has medical needs that appear to be beyond regular checkups. His needs are already more costly than an average person his age. Yes, he can pay more and get better insurance, but it all comes with cost. You can shop it around, but what is affordable to you may limit your choices and still not be comparable to what he is still eligible for with his parents. The OP may be able to find doctors and specialists, but the ones who are familiar with him may not accept the insurance options he is eligible for. The new insurance may be subsidized, but to get the level of benefits he currently has may be more expensive. His out of pocket could be way more than what his parents currently pay. Where we live many of our local doctors simply don't accept that insurance available through the ACA. People end up driving out to some non-local facility 30 miles away to get the care they need.
In our case, we found that getting the Obamacare automatically routed us in a direction we didn't like at signup. It was difficult to go back in and try to fix and upgrade it. It put my kids on Medicare and wouldn't let us go back in and change that. We didn't want Medicare, we wanted everyone under the same insurance plan. We had to call in and try and fix it. Whatever, was done there didn't fix the problem and created another problem. Also, my kids were automatically signed up for free lunch programs at school even though we did not want or request that. The Obamacare has truly been a hassle. Fortunately, we had resources to manage, and only a temporary income loss. Obamacare was a way to manage the resources until something better came along. For someone with less resources, it may be an easier undertaking.
The affordable care act (Obamacare) is a set of rules which makes his parents insurance (no matter where they get it) cover him until he is 24. He doesn't need to go get other insurance, he doesn't need to live with his parents. He is covered until 24 as long as the ACA is not repealed. My point was he can get a job and move out and still be covered by his parent's insurance, so that isn't an excuse to stay living at home.
With what little I know you and also knowing a few similar to you, I would say you may be brain imbalanced, which might be considered/related to bi-polar.
One of my young(7 now) granddaughters was a very difficult child. Constantly crying, demanding and uncontrollably. My daughter happened to go church with a couple who own a business called Brain Balance. It is a 6 month program that adjusts the brain through mental theropy. They treated my granddaughter and it has dramatically changed her life.
If you are a candidate for such a theropy, it may do you wonders. If you have no mental issues, you need to either do as your mom says or get out on your own. This is my opinion without knowing whether your condition is serious. Going by your mothers actions, it appears you are slacking and giving your entrepreneurial skills more credit than they deserve.
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