I live, write, and garden in the PNW with my husband of 27 years, disabled daughter, college-aged son, and my 84-year-old mother. We have paid off $250,000.00 worth of debt (if you include the interest) in the last fifteen years and as of 6/12/2020 are 100% DEBT FREE!!!!We have decided to stick with the plan we are on for insurance for next year. It is going to go up $137.44 per month in January, making it $1336.44 a month or $16,037.28 a year. What a racket. I hope DH finds a job soon that has medical. This is going to burn through our savings once unemployment stops.
If DH doesn't have an income next year, the fine for 3 adults and one child for not having health insurance is $2432.50. With an income it is 2.5% of gross income. That's a difference of $13,604.78. That's three months of living expenses. It is just so much cheaper paying out of pocket without insurance. I am just afraid not to have something as backup. Ugh. They really just need to change that to the Unaffordable Care Act.
I know if we want to give up seeing the doctors of our choosing and let the government into every aspects of our lives next year we could get super crap insurance and be subsidized, but I don't want to give up the quality of my health care and the relationships with my doctors and nurses that I've formed. I don't want to see whatever doctor is available at the clinic and have to wait 6 hours in a crowded waiting room to do it because they are running so far behind.
I don't want to have to take government charity, either. With unemployment it's an insurance program that is paid into as part of your job benefits. With subsidies, it is not. It is for folks who it will cripple financially if they don't get help. I know that eventually it might do that to us, but not yet. We'd just last a lot longer if the rules weren't so ridiculous.
I guess I will deal with that when the time comes. I wish we were a healthier family without auto immune and other long-term issues. If we didn't have the prescriptions and all the doctor's visits, we could have a plan with a less expensive premium and it wouldn't really matter if we could see our own doctors or not as we'd only go in for yearly physicals. Prescriptions wouldn't matter. But we're not and they do.
Medical Insurance for 2017
November 4th, 2016 at 12:29 am
November 4th, 2016 at 12:46 am 1478220399
In my state the employee does NOT pay into unemployment. Only employers do.
November 4th, 2016 at 02:59 pm 1478271580
That said, I despise insurance companies and wish that I could know none of our investments were in them. Despise, despise, despise.
November 4th, 2016 at 03:25 pm 1478273135
November 6th, 2016 at 04:18 pm 1478449090
November 6th, 2016 at 09:56 pm 1478469405