Health Insurance Premiums

[RaginCajun]

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!

[Metalject]

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.

[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.....

[RaginCajun]

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.

[jesse4466]

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!

[lovbyts]

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.

[ppwc1985]

Mine didn't go up, except I got married so now it's 72 week.

[Metalject]

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.

[almostgone]

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....

[Honkey_Kong]

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.

[lovbyts]

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?

[Honkey_Kong]

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.

[lovbyts]

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.

[Honkey_Kong]

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.

[lovbyts]

But the problem is it will just be piled on top of everything else and a Lot more.

[Honkey_Kong]

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.

[lovbyts]

I like the idea of something old but mostly forgotten. A lot less government and more privatized buisness.

[jesse4466]

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

[RaginCajun]

since i am shopping for new insurance, anyone have any suggestions? are there any HRT/TRT friendly insurances?

[Sfla80]

Curious all the people who say there insurance raised. Do you guys insure your selves?

[Hazard]

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

[RaginCajun]

Curious all the people who say there insurance raised. Do you guys insure your selves?

Yes.

I'm an independent contractor

[RaginCajun]

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?

[Hazard]

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.

[Rwy]

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.

[ppwc1985]

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.

[ppwc1985]

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]

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.

[RaginCajun]

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

[derekkpapa1]

I moving to Canada.
free health insurance for all.

[RaginCajun]

I moving to Canada. free health insurance for all.

Too cold for me

Maybe have my residence there!

Hmmmmmmmm.......

[lovbyts]

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.

[lovbyts]

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.

[Honkey_Kong]

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.

[thegodfather]

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.

[jesse4466]

Curious all the people who say there insurance raised. Do you guys insure your selves?

Yes .

[lovbyts]

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.

[APIs]

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...

[ppwc1985]

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

[Grymreefer]

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 .