Poll: Employee/Employer Healthcare Premiums

[Rhenzanite]

Originally Posted by dcat02

I have been trying to find insurance coverage for months now as I am no longer covered under my moms plan. I am 24, female, full time student, and work full time as well. My job does not offer insurance, like many companies in this area. None of my friends have health insurance either. My mother in law has not had insurance in years because she owns her own business and has arthritis. No insurance company approves her. I get quoted for most plans about $300 a month, but thats for a plan covering %80 with high deductibles, no maternity, and many low year limits on what the plan will cover. I cant afford that at all. I would be paying 300 a month and still have ridiculous out of pocket expenses.

That's just about the situtation I was in... I have a genetic disorder and the medication is ridiculously expensive, so no insurance would cover me. It's unfortunate when you have to quit a stable, well paying job because they don't offer benefits, but I've had to do that twice. The crappy insurance I was offered 3 years ago was $1200 a month, $75 doctor visit copays, $200 ER copays and only covered 80% of my meds and supplies, which would have cost me in the neighborhood of $11,000 in addition to my premium charges monthly. Luckily, my specialist sees me for free, and does all my paperwork and whatnot completely pro bono. He's amazing Otherwise, that would have been even more.



and I'm a single woman with zero dependants!

[jenn02674]

I think for normal, middle class families with no health problems McCain's plan would work fine. My job doesn't offer health insurance so I buy it privately for a little under $400/month (it has gone up over $50 every year in the last five years). It does have a pretty high copay and a pretty high deductable but I am healthy and it works for me, right now. I am concerned though because if I had some sort of brain trauma or spinal cord injury, I could probably easily reach my maximum.

Where I have problems with McCain's plan is all those people stuck in the middle. Those that are not too poor to receive assistance but not rich enough to affort thousands every month. Those that lose thier health insurance for whatever reason and can't afford Cobra or have exemptions for health issues so those aren't covered. Those type of people are paying thousands of dollars every month for crap insurance coverage.