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This is my last comment on this. But the first two plans that pop up on the Humana site for about $160 and $180 a month are for those 30 and younger. Click on the explanation of benefits and under who can apply it will say you need to be under 30.
This whole discussion may be helpful to people that really are going to be strapped by these high deductibles so is worthwhile to have on here.
But for some, like you and, I suspect ,many, many others, it is a matter of priorities.
Few people want to buy the important but boring basics.
Your mention of starting a family while complaining about a couple of hundred bucks for medical insurance caused me to wonder why you would take on the huge expense of bringing a child into the equation.
Since this is in the personal finance forum, where you posted your budget, please don't make excuses that buying health insurance or covering the deductible is outside your budget capabilities when it is more of a priority issue.
Well that wasn't the point of my post. You brought priorities into this. I'm not complaining about anything and I have my priorities in order. Since this is the finance forum, I posted that the Bronze plans don't make financial sense, to me at least, with the way they are set up and with the high deductible. I said nothing about my ability or willingness to pay for one. It doesn't make sense to me to shell out $8K for the year before anything outside of preventive care is covered. I didn't expect such high deductibles for what I think are high premiums for my age group. If you read any of my other posts, you will see that we won't select a bronze plan for these reasons. We will go with Silver or higher and lower deductible and at a higher premium cost. So stop telling me my priorities are misplaced, this thread isn't about priorities.
Well that wasn't the point of my post. You brought priorities into this. I'm not complaining about anything and I have my priorities in order. Since this is the finance forum, I posted that the Bronze plans don't make financial sense, to me at least, with the way they are set up and with the high deductible. I said nothing about my ability or willingness to pay for one. It doesn't make sense to me to shell out $8K for the year before anything outside of preventive care is covered. I didn't expect such high deductibles for what I think are high premiums for my age group. If you read any of my other posts, you will see that we won't select a bronze plan for these reasons. We will go with Silver or higher and lower deductible and at a higher premium cost. So stop telling me my priorities are misplaced, this thread isn't about priorities.
I probably wouldn't have if you hadn't brought it up first.
I'm glad you've been able to muddle through well enough to select the best option for yourselves.
I'm 31, Female in Florida. The government site has been down all day so I went on the CT site, where I used to live. The cheapest plan for me was $286 for a $5000 deductible, $30 copay for doc visits and $150 for emergency room. So I look at the plan details and all doctor appointments except the preventive care are copay AFTER deductible. This doesn't make sense. Who in their right mind is going to pay $286 dollars a month to basically get nothing before shelling out another $5k! Am I missing something?
I've looked at plans on ehealthinsurance.com a few weeks ago and I pay the same premium as above, but get doctor's visits with a copay BEFORE deductible. Not maternity of course or pre-natal and some other things which the ACA plans must have.
But how is that ACA plan "affordable." Might as well take my chances and pay the penalty. That's over $8K a year spend on medical insurance before any insurance even kicks in!
there is no point in operating as if there is an individual mandate. for the 1st year the penalty for not having insurance is $95. for all we know, they may even waive that in the end. so whatever you do, it should not be impacted by the individual mandate.
there is no point in operating as if there is an individual mandate. for the 1st year the penalty for not having insurance is $95. for all we know, they may even waive that in the end. so whatever you do, it should not be impacted by the individual mandate.
You are correct and this is what we are going back and forth about. I would like for her to have insurance, but it would really help us right now for her not to pay $300 next year for coverage. We are working on paying off some CCs from her unemployment days and she's looking for another job with healthcare benefits. However, we have rolled the dice the last 4 years on the insurance and it makes me nervous every time.
You are correct and this is what we are going back and forth about. I would like for her to have insurance, but it would really help us right now for her not to pay $300 next year for coverage. We are working on paying off some CCs from her unemployment days and she's looking for another job with healthcare benefits. However, we have rolled the dice the last 4 years on the insurance and it makes me nervous every time.
if you rolled the dice for the last 4 years, what would be your reason for not rolling the dice now?
im not advising against getting coverage; just not letting the mandate impact your decision.
if you rolled the dice for the last 4 years, what would be your reason for not rolling the dice now?
im not advising against getting coverage; just not letting the mandate impact your decision.
That's a good point! Because she should have coverage and we've made great progress on our bills. Plus she's had her new job since April where she makes pretty much double what she used to make, so now we can afford it. She would qualify for a subsidy (hopefully) so I'm thinking it might be a good idea.
Who do you think was paying for them before the ACA?
im sure, to some degree, the answer is the "wealthy." since they pay most of the taxes, things like Medicaid and other government programs are primarily funded by "the wealthy." so when you shift the burden to the "young and healthy" you are shifting it away from the wealthy and more towards the middle class.
im sure, to some degree, the answer is the "wealthy." since they pay most of the taxes, things like Medicaid and other government programs are primarily funded by "the wealthy." so when you shift the burden to the "young and healthy" you are shifting it away from the wealthy and more towards the middle class.
Medicaid and other government programs were in place long before the ACA.
I was thinking more along the lines of......everyone else who does carry health insurance.....wealthy or middle class.
Person without insurance gets ill......goes to hospital, can't pay.
Hospital must treat.
To make up for the non paying, the hospital raises cost of care across the board.
Costs go up...... insurance companies raise everyone's premiums to cover the increases.
Those who do carry health insurance end up paying for those who don't.
That's a good point! Because she should have coverage and we've made great progress on our bills. Plus she's had her new job since April where she makes pretty much double what she used to make, so now we can afford it. She would qualify for a subsidy (hopefully) so I'm thinking it might be a good idea.
This points out something about unmarried couples.
Total household income will not be taken into consideration when these legally single people apply for subsidies, I would guess.
There are more than one or two couples that don't bother with marriage these days. Marriage takes a financial hit with this.
Nobody with an existing condition can be charged more, even those that are 100% sure of costing big time right away and forever....but a totally healthy smoker that may possibly never submit a bill can be.
Makes sense to me...
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