>three hundred united states dollars per month
Do I have to pay this much for health insurance? Are there any less expensive options that include dental coverage? I'm in NJ and can realistically afford maybe $100-150 monthly.
Obamacare is a scam.
I pray they can get a 2/3 majority for this new bill to gut it after it's vetoed.
Holy shit! when you put it like that, my employer's coverage is fucking amazing
Yeah, I wish my job had health benefits. I've never had insurance, and ever since getting a tax penalty last year, I've been looking for something I can afford.
It looks like it will be cheaper to pay another tax penalty this year.
>not being Christian
>not reading the Bible daily
I thought the same thing. I have a 1,000 deductible, 20 dollar doctor visits, 5 dollar generics, 10 dollar brand...and its 100% paid by the company. The only semi suck thing is my vision and dental. My dental is a yearly benefit maximum of 1500... so basically, just cleaning. My vision is pretty much worthless though. Free eye exam but glasses have a 300 dollar deductible.
Does NJ have a state health care exchange? The idea is/was with the ACA that states setup their own exchanges. If you're within certain income brackets then you're supposed to receive a subsidy. Indirectly since it goes to the insurance company but a subsidy non the less in the form of a lower health care premium each month/year.
If you're above the income brackets then you'll be paying whatever rates you're quoted through individual insurers or your workplace (if they offer it). The quotes on that scale are most likely going to be well over what the IRS penalty will be.
I know for my wife and I it's $3,100/Year for health care for both of us. That's health, dental, ER, specialists etc with a 100 co-pay on major procedures/admissions. It's through her employer since mine has crap health care options. Overall it's slightly more than the roughly 2K penalty we'd pay without it but we actually use our health care. Plus if you've ever been to an ER or had medical problems that penalty pales in comparison to the bill that follows.
Your states heath care exchange. Look into it.
I just looked into the exchange. No dice. Unless I make poverty wages, I don't qualify for any subsidy. I make just enough that I can't afford insurance at market rates. I feel like I'm going to be stuck paying the tax penalties for a while, with nothing to show for it.
That sucks. Well, now you know at least.
>with nothing to show for it
Someone has to subsidize health care for ghetto trash women and their nine children from twelve different fathers. Looks like it's us.
>subsidize the babyboomers
It would be nice if that were the case even though I don't think it is. At least they contributed at some point in their working lives to enjoy it instead of a bunch of freeloading idiots and muh evenly distributed wealth.
I'll stop before I go full /pol/ mode.
>a few MRI scans
Okay you're definitely not going without insurance then. I'd call the provider and say what parameters you're working with e.g. some MRIs and can afford 100/mo.
If you can only afford 100/mo, there's no way in hell you can get that treatment and pay for premiums plus that deductible.
I get you're trying to be helpful but it doesn't work like that.
You can't call up a health care provider and think you're going to get MRIs (which most likely includes as specialist at some point) working with $100/Mo. Out the door you're looking at $1000's. They will require heath care coverage before they do anything at all unless it's a hospital ER visit.
Under the ACA - there's no more picking and choosing health care options with insurance plans either. It's broken down into plans with a minimum level that you cannot go below. Bronze, Silver etc.
There's only three options he has.
- Make more money to afford the insurance premium.
- Make less money (I know..) to qualify for a subsidy.
- Pay the IRS penalty and abandon preventative care in favor of ER visits. Most county hospitals will rate you on a sliding income based scale (outside of the ACA scale) but you'll be responsible for a portion of the bill out of pocket most likely.
.. And maybe a fourth option with a HSA but I didn't come out ahead with that personally with my math.
>Is there something I'm doing wrong?
Probably not aside from making sure you note that all contributions to a HSA come off of your AGI each year. So in a way the tax benefit is a subsidy of sorts in and of itself. Plus the fact that you can invest it like a 401K with pretax dollars allowing it to grow.
I know when I crunched the numbers they came out almost dead even between a 'normal' health care plan (which is what we went with) and the HSA with HDHP route.
Oh and I forgot. Another possibility is joining your parents health care plan if they have one. Depending on your age (26 or below) and if family situation allows that. You'll have to deal with this issue again sooner or later but it could potentially buy you a few years.
>At least they contributed
They contribute far less than younger generations did as a percentage of income and because of the specifics of their healthcare requirements they end up consuming the bulk of healthcare resources in the US. I have more respect for ghetto trash women than I do for Boomers on this topic, honestly. At least nobody bothers to defend the ghetto trash.
>can realistically afford maybe $100-150 monthly
If that's what you can afford, and you don't qualify for some kind of subsidy, what are you spending your salary on?
$150/mo gets you really shitty catastrophic insurance that doesn't cover anything (read the fine print, basically nothing except sitting around at home) and it still doesn't qualify for the ACA.
Honestly if you have real health problems, get real coverage.
It's not a matter of defending any one group. I seems to me that we pick up the tab for both of them. So since we're forced into it either way, I'm simply picking a group I feel most comfortable subsidizing out of two:
Made a contribution. Nearing the end of their working life.
Absolutely no contribution at all. Able-bodied and in the early or middle part of their working life.
That's a noteworthy difference, don't you think?
Eurofag here, holy shit is this how expensive health insurance actually is? I always assumed that it was a really cheap thing, hence Americans were so anti public-healthcare.
Not starting a flame war.Proportionately, I no longer feel so bad about my tax levels. I'll take my 100% healthcare coverage and £3.5k/an university costs over $3k+/an for health alone
I'm paying for living expenses, school, and student loans, while trying to build savings and credit. $300/month is a huge amount of money, considering I rarely need medical attention. It seems that it would be more cost effective to just pay the tax penalties.
yeah, it seems expensive till you have your first major accident and get a $80,000 hospital bill. Or you get your first major disease and have 300,000$ bills.
You guys in your 20s have no idea what non-routine health care costs
>not having christian faith
Hows your subjective ratiocination going?
Yeah, the health system is fucked in the US, we can't do anything because Koch brother tools shoot
about every thing. The thing is even if we had single payer, the system wold still be fucked because the government is so corrupted by money interests, we would still be paying fake prices for pills and $5000 for MRI scans. The federal government is too big, like old Rome.
You have to be super fucking poor to get a subsidy.
Other Christians on my board! nice
>tfw try and live up to my protestant work ethic ancestry