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I will be paying $500/month for health insurance starting this month

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mmntech said:
Yikes, that sucks. I've been hearing that Obamacare has been turning into a bit of a disaster, with people's premiums going up substantially. Also some folks have lost their old plans, despite Obama saying they would be allowed to keep them.

Buddy of mine follows American politics more closely than I do. He thinks Obamacare was deliberately designed to fail to force through socialized medicine. $500/mo is a lot more than I pay in the health care portion of my taxes, so his theory makes sense to me.
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Well, single payer, gov't run healthcare IS Obama's ultimate goal, after all. He's said that. Not a secret.

Wouldn't surprise me a bit that they make the current health plan intentionally fail so it leads to socialized healthcare. Not a bit, would it surprise me.
 
darkxshade said:
Tax savings aside, how can health insurance cost $2100/month between the OP and the employer? Why can't the OP opt out and get in on some of that $1600 that his employer pays?
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This is what I did. My employer pays up to $500/mo for the employee only as of this year. Nothing else. Before, they covered 100% employee, 50% spouse/dependents.

So I was looking at paying almost $500/mo for their worst/cheapest plan to cover my wife. Instead got them to give me that $500/mo as a reimbursement, and got my own insurance for the both of us for $650/mo. So I only pay $150 which is acceptable, with lower deductibles too.
 
darkxshade said:
Yea, I get that but I'm saying hypothetically, why can't his employer offer such a deal? The company saves money and the OP saves.
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Sometimes I wish companies would, would be great to know that smokers and the obese would have to shoulder the full burden of their lifestyle.
 
I'm a single, healthy 25 year old male and my insurance costs me something like $250/mo and that is with my employer paying ~80%. Insurance is super expensive.
 
I don't know why y'all don't just work for the government. You get the good insurance for cheap.
 
ussfletcher said:
I'm a single, healthy 25 year old male and my insurance costs me something like $250/mo and that is with my employer paying ~80%. Insurance is super expensive.
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Sounds ridiculous high. I'm 30 and can get the $0 deductible $10/visit insurance for under $500/mo total cost to employer/employee.

I went with the cheapest insurance at my previous employer. $84/mo, but they put in $84/mo into a HSA for me. Deductible was high at like 4.5k, but I could afford it if necessary. Never had to use it though. Now I have almost 3k in an HSA for medical expenses including deductibles I can use whenever, and it never expires. Got tired of throwing away $1500/year on PPO's I never once used. Something to consider if you're young and healthy and your employer offers such a plan.
 
DrPizza said:
So, you're claiming a Blue Cross plan is more than $25,200 per year.

Care to support that claim? Or does anyone else care to support that claim? Or is this just another trolling thread. (Not to mention, wrong forum.)
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I just checked on healthcare.gov and Blue Cross/Blue Shield for me is around $215-$350 a month depending on the plan.
 
This must make it even more difficult to properly assess compensation if you're looking for a new job.
For example, I'm paying under $10/month for my health insurance (single-person coverage). That'd probably make it interesting if I'd go out job shopping.
Base pay, 401k matching, salaried vs hourly, overpriced health insurance......more and more moving pieces. Bleh.
 
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Ouch. My employer still pays the full bill for me. Family is $900/month so I'd buy the OP's claim of $500. Mess is crazy, luckily all we have to pay is for a single plan for my daughter at $150/month privately. Through my job it would have been $300.
 
I blame Obamacare for everything now.

Picked up the kids late, I blame Obamacare.

Government starts a war with Russia, I blame Obamacare.

Car stops running in rush hour traffic? You go it, totally Obamacare.
 
darkxshade said:
Tax savings aside, how can health insurance cost $2100/month between the OP and the employer? Why can't the OP opt out and get in on some of that $1600 that his employer pays?
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Very few companies provide an opt-out payment any more. Mine stopped this year after offering for the last 15 years.
 
Pr0d1gy said:
I blame Obamacare for everything now.

Picked up the kids late, I blame Obamacare.

Government starts a war with Russia, I blame Obamacare.

Car stops running in rush hour traffic? You go it, totally Obamacare.
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In this case, Obamacare most certainly had something to do with increased costs of his plans. My company had to pick up about $20M of costs related to ACA. Do you think the company was going to just absorb that? Hell no, they passed it on to the employees.
 
CPA said:
In this case, Obamacare most certainly had something to do with increased costs of his plans. My company had to pick up about $20M of costs related to ACA. Do you think the company was going to just absorb that? Hell no, they passed it on to the employees.
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Well, when Tommyboy isn't able to buy his wife new designer handbags anymore due to the higher premium, she'll divorce him and his rates will go back down.
 
I pay about 3-400 for myself a month probably more if I look at my paystub. Medical is alright, not the best but dental is a joke. Had a root canal and now I'm at the oral surgeon because the infection started making its way out my face. This year has been Hell I'm going to be completely broke because of one stupid tooth.
 
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