Calling all self employed business owners who supply their own healthcare

Your deductable is listed on the same paperwork your policy cost is...mine was $7500 per person per year..
(I rarely take Ibuprofen, and usually only go to the eye doctor..(pre existing condition), I pay out of pocket, even for my skin cancer and cutting there of..it was cheaper than having a $1400'ish mo policy and 15K ded...

 

You poor dumb ass. My insurance is about $240.00/month for a single person......56 y.o. , $445.00 deductible. Enjoy your Obamacare....fool...

Oh shit, I looked a little closer. It's more like $120.00/month..see below plus $27.00 for dental plus

2018 monthly insurance premiums for active employees

Employee / Employee/spouse Employee/children Full family Standard Plan
$97.68 / $253.36 / $143.86 / $306.56

 

How much is your employer paying?

 

Around $375.00 +- $20.00

 

Your plan is very good.

I don't have the exact numbers in front of me, but our plan at work for someone 57 was around $600-650 and I pay 80%. That still has a huge deductible, it is a bronze plan and we have a choice of a few carriers.

 

Ya and for shit that people my age have to deal with.... like colonoscopies they pay it all. Don't even have to meet the deductible.

That ACA is a piece of shit designed so people that make a little money have to pay for the deadbeats that don't want to take care of themselves....but as zrx12 dude says...it's good for the community....fuuuuuuck that!

 

I use to have good insurance like yours....till They FIXED it.

 

It bums me out that everyone can't have access to good, affordable health care. Seems to me that if you are self employed or have to carry your own insurance that it should be cheaper than that which you get through your employer. Everything in industry (engineering, equipment, parts ect) costs a shit ton more than comparable items for household use or DIY projects. Companies charge 10x times as much to do govt jobs or jobs for big corporations yet when it comes to insurance it is the little man that gets fucked.

Mine went way down this year because our company went to something called self insured. I guess it's some sort of a la carte program where you pick what you want and don't want. $140 twice a month for the wife and I. No deductible only $20 - $30 co-pays depending on what doctor and what they are doing. Had almost the same thing for the past few years but with a $4000 deductible and no co-pays. We have about 85 employees, not sure if that helps or hurts us in the grand scheme of things.

 

But doesn't it give you a warm and fuzzy feeling since you're helping subsidize the insurance for others? It's for the greater good of the community....LOL....damn socialists. Give me some damn Darwin anytime!

 

You've said several times your insurance doesn't pay anything at all until you meet your deductible, and said in another thread you were thinking of just paying the fine instead so you could save up enough to pay cash for doctor visits. Is that true or not? If you are on a plan you got from the exchange, does your plan not cover at least 3 visits before your deductible kicks in? If that's the case then you misrepresented your situation. You also get ALL preventative screening work completely covered at 100%, along with the other stuff on that 10 provisions list. What part of that is me assuming anything?
I don't know your plan inside and out, but I know what the law requires, and the same law applies to you and me both, so yes. I do know that stuff and so does everyone else who takes the time to read it. It's not assumption or arrogance, it's right there in black and white.

If you want to turn the discussion into ad hominem attacks on what you think my opinions are, there's nothing I can do about that, likewise with you looking for ways to get your feelers hurt because someone disagrees with your worldview. I don't care in the slightest if this enclave of posters has a poor view of something I've said, it doesn't change a single thing in the real world.

I get it, I'm not allowed to say anything, factual or not, that may paint the ACA as anything but a complete tyrannical boondoggle, nor to say anything bad about the halcyon days of unregulated insurance gone by. My opinion on it, good or bad, DOES NOT MATTER to the current discussion of what the law says, and neither do any of yours. That's not what the OP asked, and that's not what the discussion is about.

 

But are you?

 

Hell no. Why would I? You think I'm stupid? I like to keep as much of the money I make as I can.

 

I could not agree more on this point. $140 twice a month sounds fantastic, especially with no deductible. Sounds like your company is doing a great job looking out for employees.
I'm on my own, and the best part is I'm not covered out of the country so if something happens in Nigeria or Qatar I'm cut loose by the oil company immediately and under the care of some local agency office getting me local medical care under BUPA. My group has has a few horror stories, the moral of which is "don't have a medical incident at work".
BTW, Americans are the only ones I work with who A: have to pay for basic medical care at home and B: aren't double-covered in their home country by BUPA. All the other expat nationalities are covered in their home countries by agency-provided health coverage in addition to their respective NHC plans, except in the USA. It effectively lowers my annual salary by around $15k.
Do you still think I'm singing the praises of the current arrangement?

 

Me too, man. I was asking because it's been my understanding that the fines for not carrying health insurance directly offset the tax breaks that pay for low-income subsidies.

 

Don't know. The fines don't seem high enough to pay the low-income subsidies....plus lately it seems like there are more ways to get out of paying the fines...

https://www.npr.org/sections/health...-the-tax-penalty-for-lacking-health-insurance

Oh, found this too. Looks like the penalty is going away in 2019?

https://www.healthcare.gov/fees/fee-for-not-being-covered/

 

That sounds like great news for a lot of people. Unfortunately I'm probably at the age where I'll need more comprehensive coverage looking forward, but it gives us options at least. Thanks for the information.

 

I remember reading a few years ago also that the tax subsidies for low income people were also covered by the medical device tax and progressive rollback of the premium deduction for households making over $200k. I remember that last part because there were a couple years where we were affected by it. Certainly not recently, unfortunately.

 

I know, but I'm overseas right now and haven't looked at my policy for quite a while. No kidding, even treating skin cancer is cheaper out of pocket. I'm not afraid of much, but skin cancer scares the shit out of me, especially since I've spent so many decades baking unprotected in the sun.
That was the "loophole" the lab told me when I got my colonoscopy at age 50, it's covered 100% as preventative, unless we find something. Then it all goes to deductible. Lucky for me I'm clean (relatively speaking).

 

Zrx12 man, I am wondering what you think a "Dr's. Visit" consists of?
I don't give a fk about paying a 50-$150 for a checkup.. it is the $4500 to have my nose cut up.. my old insurance would have covered it 80/20... instead.. I got the whole bill.. before any coverage kicks in upto 7500 every year.. starting over each January.
For years and years I paid and didn't use it.. now I won't pay quadruple for less.
BTW the $4500'would have been about 7 or 8 if I had used insurance, a lot of Dr.s would rather take my cash other than deal with BullShitO'Care.

 

Count your blessings. I wish I had access to an employee-sponsored plan like yours, but I don't. I have to buy insurance on the individual market. You are a lucky person to have access to that coverage for that price.