Page 1 of 2 12 LastLast
Results 1 to 40 of 42
Like Tree5Likes

Thread: Health Insurance Premiums

  1. #1
    RaginCajun's Avatar
    RaginCajun is offline Pissing Excellence!
    Join Date
    Jan 2011
    Location
    Deep Down South
    Posts
    23,624

    Health Insurance Premiums

    I know there have been many threads on this, but has everyone's premium doubled? I am a single male and have been paying around $130 for health insurance for the past 3 years but since Obummercare (ACA) passed back in 2010, my plan is no longer available. I have been looking around but everything pretty much looks the same, but with the cost doubling. We need to get those clowns out of office as fast as we can!

  2. #2
    Metalject's Avatar
    Metalject is offline Knowledgeable Member
    Join Date
    Jul 2012
    Posts
    3,066
    Double the price would be nice compared to what mine did. Single male, premium $450-$650 per month depending on plan. That's not counting extremely high deductibles.
    Our system of government has become a joke. But the bigger joke is those that expect(ed) government to have a say in healthcare.

  3. #3
    Hazard's Avatar
    Hazard is offline AR-Elite Hall of Famer
    Join Date
    Mar 2004
    Posts
    20,517
    I said it way before this happened.....


    Every single doctor I worked with hated the bill and said it would fvck us (citizens) - I don't feel bad for those that voted for his dumb ass.....
    Failure is not and option..... ONLY beyond failure is - Haz

    Think beyond yourselves and remember this forum is for educated members to help advise SAFE usage of AAS, not just tell you what you want to hear
    - Knockout_Power

    NOT DOING SOURCE CHECKS......


  4. #4
    RaginCajun's Avatar
    RaginCajun is offline Pissing Excellence!
    Join Date
    Jan 2011
    Location
    Deep Down South
    Posts
    23,624
    Quote Originally Posted by Hazard
    I said it way before this happened..... Every single doctor I worked with hated the bill and said it would fvck us (citizens) - I don't feel bad for those that voted for his dumb ass.....
    I def remember you starting threads to discuss it

    Does our Gov't want us to fail?

    I think this will have a big impact on our economy as well, with the costs doubling/tripling for people.

  5. #5
    jesse4466's Avatar
    jesse4466 is offline Member
    Join Date
    Jun 2014
    Location
    Florida
    Posts
    506
    I agree 100%. I pay $450 a month. Deductible is $6300 out of pocket.

    We paid $4500 to hospital with insurance for having baby in December. The hospital then went on to say that without insurance it would be like $3,600- about $1,000 less!

    Obama is a joke. This health bill did nothing but FK people in the wallet. And everyone including the insurance companies are still confused with it all!

  6. #6
    lovbyts's Avatar
    lovbyts is offline Knowledgeable Member
    Join Date
    Apr 2008
    Posts
    30,208
    Quote Originally Posted by Hazard View Post
    I said it way before this happened.....


    Every single doctor I worked with hated the bill and said it would fvck us (citizens) - I don't feel bad for those that voted for his dumb ass.....
    And I was right there with you on all of it but to many people wanted Change and that's what they got, they just had no idea what change meant and most of them still dont get it, they only see the small picture.

    Healthcare cost is going to be one of least concerns in the next year or two I bet but its a good place to start talking and for people to start waking up and seeing what is happening.

    Prices have to go up, double and tripple to pay for all those who didn't have it. Distributing the wealth so to speak. Didnt you realize he meant YOU when he said the wealthy? They made it pretty clear a few times that if you make over 50K a year you are rich. Now none of this will ever effect the mega rich because that is a whole other category that will not be touched.

    Have you seen the numbers? There are exactly the same or a little less number of people who had insurance before compared to now. The difference is there are a lot more people who have it who didnt because now it's free to them but there are just as many who lost it because they cant afford it but the government dont want to count them in the mix, only those who have it now and didnt before.

    Socialism at it's finest.
    Last edited by lovbyts; 10-28-2014 at 03:27 PM.

  7. #7
    ppwc1985's Avatar
    ppwc1985 is offline Productive Member
    Join Date
    Jun 2012
    Location
    CT
    Posts
    1,928
    Mine didn't go up, except I got married so now it's 72 week.

  8. #8
    Metalject's Avatar
    Metalject is offline Knowledgeable Member
    Join Date
    Jul 2012
    Posts
    3,066
    Quote Originally Posted by ppwc1985 View Post
    Mine didn't go up, except I got married so now it's 72 week.
    I'm not saying you're implying this...you may be, maybe not, I don't know. But you do hear this all the time. There's always someone that says "mine didn't go up" or something similar, and often in that person's mind that's supposed to make the whole thing OK. And that's the problem we have now, so many in this country only consider what's good for them in this exact moment. There's no consideration for the future, zero concept of liberty and only a desire for the "Stuff" they're getting.

  9. #9
    almostgone's Avatar
    almostgone is online now AR-Platinum Elite- Hall of Famer
    Join Date
    Jun 2004
    Location
    the lower carolina
    Posts
    26,239
    Ours went up last year and probably will again @ beginning of next benefit enrollment.
    They said CDHP meant a "consumer driven health plan", but thus far it has been "cost doubled health plan"....
    HSA contributions haven't lessened the sting of the premiums either, IMO....
    There are 3 loves in my life: my wife, my English mastiffs, and my weightlifting....Man, my wife gets really pissed when I get the 3 confused...
    A minimum of 100 posts and 45 days membership required for source checks. Source checks are performed at my discretion.

  10. #10
    Honkey_Kong's Avatar
    Honkey_Kong is offline Superbowl XLIX Champs!
    Join Date
    Apr 2009
    Location
    The Dude Abides
    Posts
    10,966
    I don't mind the new Obamacare plans. Now insurance companies by law have to cover my back and any future internal organ complications caused from that car accident I was in 13 years ago. Not that I've needed to cash in on that since the changes, but it's great that I have an option now rather than just toughing out the pain.

    Besides, my contribution with my work's plan hasn't doubled since the changes went in.

    I don't think requiring all people to have insurance was the answer though. In fact, for a universal healthcare system, I don't think insurance companies should be administering it in the first place. All that's going to happen is that since we all are forced to have it, the insurance companies can hike up their prices and line their executive's pockets (which is happening). They needed to have a state-run nonprofit system in place where everything is controlled from the price of the medications, to the operating of the hospitals and clinics to wages the doctors and staff can earned. That way you can prevent the fleecing that is bound to happen with this current system.

    But even then, it's prone to corruption on a government level.
    Last edited by Honkey_Kong; 10-29-2014 at 02:20 AM.

  11. #11
    lovbyts's Avatar
    lovbyts is offline Knowledgeable Member
    Join Date
    Apr 2008
    Posts
    30,208
    Dont be so sure about that Honey Kong. Ive posted it before where obama himself said, sometimes the surgery isn't the best solution and its better to just take the pill.

    What if they tell you well you are over 50 so your usefulness has diminished so instead of fixing you here is a pill so you feel better for now, no options?

  12. #12
    Honkey_Kong's Avatar
    Honkey_Kong is offline Superbowl XLIX Champs!
    Join Date
    Apr 2009
    Location
    The Dude Abides
    Posts
    10,966
    Quote Originally Posted by lovbyts View Post
    Dont be so sure about that Honey Kong. Ive posted it before where obama himself said, sometimes the surgery isn't the best solution and its better to just take the pill.

    What if they tell you well you are over 50 so your usefulness has diminished so instead of fixing you here is a pill so you feel better for now, no options?
    A pill would be an improvement to what I would've been able to get previously.

    But really, the triage situation your describing is due to the current limited supply of medical care. In the previous medical situation, the guys who couldn't afford it would go without (or get thrown in the bankruptcy with the debts incurred). And so the solution is simple. Stop the medical industry from restricting the number of people who can enter the profession as a way of keeping their salaries inflated. That means opening more medical schools and taking on more students. It also means making the educational system attainable to those who otherwise couldn't afford it. If you increase the pool of licensed doctors, facilities and nurses to meet the demand 100%, the triage problem will not occur.

  13. #13
    lovbyts's Avatar
    lovbyts is offline Knowledgeable Member
    Join Date
    Apr 2008
    Posts
    30,208
    Well I hope you are right and I am wrong but I solid a lot of hoping the first couple of years and have not seen much if any good come from there so far.

  14. #14
    Honkey_Kong's Avatar
    Honkey_Kong is offline Superbowl XLIX Champs!
    Join Date
    Apr 2009
    Location
    The Dude Abides
    Posts
    10,966
    Quote Originally Posted by lovbyts View Post
    Well I hope you are right and I am wrong but I solid a lot of hoping the first couple of years and have not seen much if any good come from there so far.
    This current implementation is bound to fail. Even the lawmakers that created it expected it to fail. It was more of a move towards socialized medicine than anything else.

    And to be honest, I'd rather the part of my taxes that goes towards foreign aid, welfare would go towards a socialized medicine program. Plus, if the government cleaned up the pissing away of money in the military (to say it's inefficiently run is an understatement), they probably could put together enough money to run the entire program without raising taxes at all.

  15. #15
    lovbyts's Avatar
    lovbyts is offline Knowledgeable Member
    Join Date
    Apr 2008
    Posts
    30,208
    But the problem is it will just be piled on top of everything else and a Lot more.

  16. #16
    Honkey_Kong's Avatar
    Honkey_Kong is offline Superbowl XLIX Champs!
    Join Date
    Apr 2009
    Location
    The Dude Abides
    Posts
    10,966
    Quote Originally Posted by lovbyts View Post
    But the problem is it will just be piled on top of everything else and a Lot more.
    Well a lot needs to change. The system we had formerly was a failed system so it's time we start moving towards something new.

  17. #17
    lovbyts's Avatar
    lovbyts is offline Knowledgeable Member
    Join Date
    Apr 2008
    Posts
    30,208
    I like the idea of something old but mostly forgotten. A lot less government and more privatized buisness.
    Daniel h likes this.

  18. #18
    jesse4466's Avatar
    jesse4466 is offline Member
    Join Date
    Jun 2014
    Location
    Florida
    Posts
    506
    Quote Originally Posted by Metalject
    I'm not saying you're implying this...you may be, maybe not, I don't know. But you do hear this all the time. There's always someone that says "mine didn't go up" or something similar, and often in that person's mind that's supposed to make the whole thing OK. And that's the problem we have now, so many in this country only consider what's good for them in this exact moment. There's no consideration for the future, zero concept of liberty and only a desire for the "Stuff" they're getting.
    Good point

  19. #19
    RaginCajun's Avatar
    RaginCajun is offline Pissing Excellence!
    Join Date
    Jan 2011
    Location
    Deep Down South
    Posts
    23,624
    since i am shopping for new insurance, anyone have any suggestions? are there any HRT/TRT friendly insurances?

  20. #20
    Sfla80's Avatar
    Sfla80 is offline Knowledgeable Member
    Join Date
    Aug 2009
    Location
    florida
    Posts
    6,646
    Curious all the people who say there insurance raised. Do you guys insure your selves?

  21. #21
    Hazard's Avatar
    Hazard is offline AR-Elite Hall of Famer
    Join Date
    Mar 2004
    Posts
    20,517
    Quote Originally Posted by Sfla80
    Curious all the people who say there insurance raised. Do you guys insure your selves?
    I don't..... I'm without it because I can't afford it. I pay $800/month in daycare costs..... Can't afford another $500/month to insure myself
    Failure is not and option..... ONLY beyond failure is - Haz

    Think beyond yourselves and remember this forum is for educated members to help advise SAFE usage of AAS, not just tell you what you want to hear
    - Knockout_Power

    NOT DOING SOURCE CHECKS......


  22. #22
    RaginCajun's Avatar
    RaginCajun is offline Pissing Excellence!
    Join Date
    Jan 2011
    Location
    Deep Down South
    Posts
    23,624
    Quote Originally Posted by Sfla80
    Curious all the people who say there insurance raised. Do you guys insure your selves?
    Yes.

    I'm an independent contractor

  23. #23
    RaginCajun's Avatar
    RaginCajun is offline Pissing Excellence!
    Join Date
    Jan 2011
    Location
    Deep Down South
    Posts
    23,624
    Quote Originally Posted by Hazard
    I don't..... I'm without it because I can't afford it. I pay $800/month in daycare costs..... Can't afford another $500/month to insure myself
    Will you get penalized because you don't have it?

  24. #24
    Hazard's Avatar
    Hazard is offline AR-Elite Hall of Famer
    Join Date
    Mar 2004
    Posts
    20,517
    Quote Originally Posted by 00ragincajun00

    Will you get penalized because you don't have it?
    Yup.....

    I'm actually going to get married to the gf and go under her insurance because its cheap. She works in a hospital.

    A few coworkers will keep getting penalized. They can't afford insurance along with their other bills.
    almostgone likes this.
    Failure is not and option..... ONLY beyond failure is - Haz

    Think beyond yourselves and remember this forum is for educated members to help advise SAFE usage of AAS, not just tell you what you want to hear
    - Knockout_Power

    NOT DOING SOURCE CHECKS......


  25. #25
    Rwy's Avatar
    Rwy
    Rwy is offline Productive Member
    Join Date
    Feb 2006
    Posts
    3,497
    In my job I am sort of self employed. I had to pay 700 a month for single coverage with a high deductible. Thankfully I was able to go under my wives (at the time was more gf) insurance as a domestic partner for nothing.

  26. #26
    ppwc1985's Avatar
    ppwc1985 is offline Productive Member
    Join Date
    Jun 2012
    Location
    CT
    Posts
    1,928
    Quote Originally Posted by Metalject
    I'm not saying you're implying this...you may be, maybe not, I don't know. But you do hear this all the time. There's always someone that says "mine didn't go up" or something similar, and often in that person's mind that's supposed to make the whole thing OK. And that's the problem we have now, so many in this country only consider what's good for them in this exact moment. There's no consideration for the future, zero concept of liberty and only a desire for the "Stuff" they're getting.
    Nope that's not what I'm implying, just saying my experience. My last insurance before Obama care didn't pay for my test, but this one does. Go figure. I'm a veteran so liberty means a lot for me, I know it has its good points and also bad points. Something needed to be done. Past presidents tried but failed. I say lets work on it to correct the bad parts of the law. There is a lot good about it also. But I know it's not good, in whole. Fix the bad parts.

  27. #27
    ppwc1985's Avatar
    ppwc1985 is offline Productive Member
    Join Date
    Jun 2012
    Location
    CT
    Posts
    1,928
    A simple way to take care of all Americans is to quit giving our money to the whole world and use it to help ppl in our own country, but we all know the chances of that happening is nil.
    Honkey_Kong likes this.

  28. #28
    Honkey_Kong's Avatar
    Honkey_Kong is offline Superbowl XLIX Champs!
    Join Date
    Apr 2009
    Location
    The Dude Abides
    Posts
    10,966
    Quote Originally Posted by ppwc1985 View Post
    A simple way to take care of all Americans is to quit giving our money to the whole world and use it to help ppl in our own country, but we all know the chances of that happening is nil.
    We piss billions away on other countries military. We piss billions on foreign aid. Hell, I'm betting we're going to be pissing billions away in Western Africa with this whole ebola thing. What we should be doing is using all that money state-side by investing in our infrastructure, educational system, health care and retirement for our seniors to get them out of the workplace.

  29. #29
    RaginCajun's Avatar
    RaginCajun is offline Pissing Excellence!
    Join Date
    Jan 2011
    Location
    Deep Down South
    Posts
    23,624
    Quote Originally Posted by Honkey_Kong View Post
    We piss billions away on other countries military. We piss billions on foreign aid. Hell, I'm betting we're going to be pissing billions away in Western Africa with this whole ebola thing. What we should be doing is using all that money state-side by investing in our infrastructure, educational system, health care and retirement for our seniors to get them out of the workplace.
    i agree 100% with your last statement

  30. #30
    derekkpapa1's Avatar
    derekkpapa1 is offline Anabolic Member
    Join Date
    Jan 2013
    Location
    Northeast usa
    Posts
    4,651
    I moving to Canada.
    free health insurance for all.

  31. #31
    RaginCajun's Avatar
    RaginCajun is offline Pissing Excellence!
    Join Date
    Jan 2011
    Location
    Deep Down South
    Posts
    23,624
    Quote Originally Posted by derekkpapa1
    I moving to Canada. free health insurance for all.
    Too cold for me

    Maybe have my residence there!

    Hmmmmmmmm.......

  32. #32
    lovbyts's Avatar
    lovbyts is offline Knowledgeable Member
    Join Date
    Apr 2008
    Posts
    30,208
    Quote Originally Posted by Honkey_Kong View Post

    We piss billions away on other countries military. We piss billions on foreign aid. Hell, I'm betting we're going to be pissing billions away in Western Africa with this whole ebola thing. What we should be doing is using all that money state-side by investing in our infrastructure, educational system, health care and retirement for our seniors to get them out of the workplace.
    I can't argue with that either.

  33. #33
    lovbyts's Avatar
    lovbyts is offline Knowledgeable Member
    Join Date
    Apr 2008
    Posts
    30,208
    Quote Originally Posted by derekkpapa1 View Post
    I moving to Canada.
    free health insurance for all.
    Im moving but it won't be Canada. Healthcare won't be free but in a lot of ways its superior especially the aftercare services. Philippines.

  34. #34
    Honkey_Kong's Avatar
    Honkey_Kong is offline Superbowl XLIX Champs!
    Join Date
    Apr 2009
    Location
    The Dude Abides
    Posts
    10,966
    Quote Originally Posted by lovbyts View Post
    Im moving but it won't be Canada. Healthcare won't be free but in a lot of ways its superior especially the aftercare services. Philippines.
    Can I stay at your place when I vacation there? Have a good 10 or 20 girls ready for me.
    RaginCajun likes this.

  35. #35
    thegodfather's Avatar
    thegodfather is offline Dulce bellum inexpertis
    Join Date
    Nov 2004
    Location
    Middle East
    Posts
    3,511
    My old policy premium pre-Obama was $140/month, and that was with a $100 deductible, and minimal out of pocket expenses. The NEW policies being offered are around $260/month, with 60% coverage (meaning you fork up the other 40% for all your hospital bills, tell me what poor people can legitimately afford that??), and high deductibles. Some of them are $200/month premiums and you have to come out of pocket $6,250 before any insurance kicks in...Thats hilarious...I'm not quite sure how this was supposed to help lower-middle and lower income folks out, I'm sure most people make <$40k a year cant fork out $6k in medical expenses each year. It's a total joke....

    Now lets put that in contrast to my Global healthcare policy, I know how much the premium is, even though I do not pay it. $160/month covers me for catastrophic, outpatient visits, medical evacuation to Germany or the USA, repatriation of my remains, kidnap&ransom insurance, and injuries related to being the victim of terrorism, as well as a death benefit. The deductible is $150 with a $0 co-pay. Thats how a free market operates, since the global policies aren't under any one countries regulatory sphere per say.

  36. #36
    jesse4466's Avatar
    jesse4466 is offline Member
    Join Date
    Jun 2014
    Location
    Florida
    Posts
    506
    Quote Originally Posted by Sfla80
    Curious all the people who say there insurance raised. Do you guys insure your selves?
    Yes .

  37. #37
    lovbyts's Avatar
    lovbyts is offline Knowledgeable Member
    Join Date
    Apr 2008
    Posts
    30,208
    Quote Originally Posted by Honkey_Kong View Post

    Can I stay at your place when I vacation there? Have a good 10 or 20 girls ready for me.
    Of course you will be welcome. It may take a couple of years to develop our little island.

    Ill see what I can do about hiring all female help.
    RaginCajun likes this.

  38. #38
    APIs's Avatar
    APIs is offline Knowledgeable Member
    Join Date
    Sep 2010
    Location
    Avoiding newbies @ gym...
    Posts
    1,322
    I own a business and have had an Oxford Small Business Policy for the last 6 years which was great. It had low deductibles, covered most everything we needed and was somewhat reasonable @ $501.00 per month.

    Last month I received a letter from Oxford telling us our Business Policy is being cancelled December 1, 2014 because we do not currently have any employees (besides myself & my spouse) that reside in our State (new Obamacare mandates). We do have other employees, but they live in other States.

    What’s worse is Oxford informed me, to remain insured, I must switch to an individual policy that will now cost $901.00 per month for the exact-same-coverage. That is an increase of almost 80%. There are cheaper policies, but the deductibles start at $3000.00. What's the point of having insurance then?

    Obamacare is just a disaster on so many levels. Especially for small business owners.

    I just hope that all the affected people show up to vote this coming Tuesday...
    Last edited by APIs; 10-31-2014 at 01:57 PM.

  39. #39
    ppwc1985's Avatar
    ppwc1985 is offline Productive Member
    Join Date
    Jun 2012
    Location
    CT
    Posts
    1,928
    I was listening to a show tonight I listen to daily and co-ops were mentioned. Maybe check out one of them. From what I understand they pay almost everything, only difference is no contract and technically no insurance. I haven't looked into it but some of you may need to. I heard it on the Dave Ramsey show

  40. #40
    Grymreefer is offline Associate Member
    Join Date
    Sep 2013
    Location
    earth
    Posts
    176
    I see people posting these astronomical amounts. What provider do you go through? I use blue cross blue shield and I have never seen these numbers in my life. Maybe my current healthcare plan is the next one to be obsolete .

Page 1 of 2 12 LastLast

Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •