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s0me0nesmind1 said:
I mean - in all honesty... with a deductible like that... I would in all honesty rather just file for bankruptcy if an emergency actually occurred.

Because at that deductible you would have to do something like spend a week or 3 in a hospital for it to reach that amount.
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Fact. Too bad bobo, biden and the Ds didn't give us the health care plan congress has...
you know, "a big fucking deal."

I felt it...and still am.
 
s0me0nesmind1 said:
I mean - in all honesty... with a deductible like that... I would in all honesty rather just file for bankruptcy if an emergency actually occurred.
Click to expand...

i knew a guy who was in his 20s and dropped the expensive insurance (like 800$ a month with high deductible) because he had never needed it

then BOOM a few months later, he gets a terrible stomach problem. the hospital finally found and fixed it but he ended up owing 75$k

he had just bought a house and didn't want to lose it, so instead of filing for bankruptcy, he managed to get on a few year payment plan and was so happy when he paid that last bill off
 
brianmanahan said:
i knew a guy who was in his 20s and dropped the expensive insurance (like 800$ a month with high deductible) because he had never needed it

then BOOM a few months later, he gets a terrible stomach problem. the hospital finally found and fixed it but he ended up owing 75$k

he had just bought a house and didn't want to lose it, so instead of filing for bankruptcy, he managed to get on a few year payment plan and was so happy when he paid that last bill off
Click to expand...

lol - so he paid the $75k in full?

First of all - understand - those prices are 100% bullshit. Bullshit. Bullshit Bullshit. Don't tell them you will pay it off. Tell them you won't. OR tell them you will - but only 30% of the amount. Haggle it down to a more reasonable amount.

But I mean, @ $75k - or even $50k I would still rather just talk to bankruptcy lawyer and pay the least amount as possible.
 
bbhaag said:
Yeah this is what it's like on the exchange. We were on it up until last year and while the coverage wasn't quite that bad(we went with the silver plan)the price was just insane. It really sucks and OMG the government bureaucracy involved was off the fucking charts. It sucked plain and simple. I'm not sure if this was what the Obama Administration had in mind but being on the exchange is an awful experience.
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I have a silver plan on the exchange and it's been red tape free. Just log onto the website, fill out some shit and purchase the plan. It's $470 a month for me as a single guy, with a $1500 deductible and I still have copays for procedures after that. This is in NJ. So I think it's pricey. I'm lucky I have it though as this year I discovered I most likely have a rare GI condition called Achalasia. I've had three endoscopies, two manometries and am about to have an endoflip, then most likely a relatively new surgery called POEM. I'd be fucked without insurance.

The Obama plan did not go far enough, they barely passed it as it was due to having to compromise to get more centrist Democrat and Independent votes, specifically Joe Lieberman. He literally was the lone vote I think that refused to go along with a public option for those aged 55-64 as I'm only 45, so the bill would have died completely. Not like that public option would have helped me but it would have been a step in the right direction overall and possibly had residual effects like further expansion. There were also some centrists that opposed allowing drugs to be imported from overseas, etc... Ultimately it got watered down quite a bit to appeal to corporate interests. The Democratic party is not that progressive.
 
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highland145 said:
View attachment 32445
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im on Obamacare silver plan, full subsidies.
just myself.

$40/month premium (blue cross/blue shield). $150 deductible. $1500 out of pocket maximum.
annual check up + blood work free and doesnt require deductible to be met.
$5 co-pay for primary doc, 5% co-pay for specialists.
my co-pay for physical therapy is just $3. 😱

but hospital co-pay is 50%. 🙁
i chose this plan during the enrollment period in nov/dec 2019 before Covid was known.
PLEASE dont let me catch it this year... (or any year for that matter)
 
highland145 said:
Fact. Too bad bobo, biden and the Ds didn't give us the health care plan congress has...
you know, "a big fucking deal."

I felt it...and still am.
Click to expand...

nah, SC did that to you. Much of the rest of the US isn't in that kind of situation. but hey, sorry bro. you voted for it. :\
 
s0me0nesmind1 said:
If you aren't using your insurance much - you should definitely consider downsizing to a high-deductible plan and putting away as much money as possible into an HSA like a squirrel holding nuts.

There is no greater investment plan than an HSA. PERIOD.
Click to expand...

I would if I could. Our company only offers this one health plan with no other options.
 
$90/month pretax for HDHP/HSA ... it has $1500 deductible and $3k out of pocket max. Guess that’s not too bad. My old job had pretty much the same plan but I paid $30/month.

I think my work pays ~$400/month on top of my contribution though. 31 years old and the plan is for just me.
 
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