Whit37 - 2015-02-11 1:13 PM

Could someone give me a quick rundown of how your healthcare system works? I often read posts on it and don't fully understand the situation but would like to. (I'm Canadian)

Bear - 2015-02-11 12:04 PM I didn't read every post here, but I don't have to. I think what Red Raider has is a good example of what most people should have. If the vast majority of Americans had this kind of insurance, without government meddling, we would see a drastic decline in healthcare costs. Basically, the first $7500 of what she pays for healthcare each year comes out of her pocket. Insurance doesn't have anything to do with it. What she has is basically catastrophic health insurance. When people have to pay for anything out of pocket, they shop around.....unless they are stupid. They are quick to learn where you get the best quality for the lowest price. Also, they tend to think twice before running to the ER for a stubbed toe, or the doctors office for a cold. That's what happens now. The system is overwhelmed by people who don't stop to think, so long as they are "covered". There are days when I might see say 25 people in the clinic, and only about 10 of them really need to be there. Another thing I notice is people actually complaining that they can't afford say $500-600 a month for health insurance. A lot of those same people don't think twice about paying $800 a month for a new pickup every 5 years. We have some pretty screwed up priorities in America, in my opinion. There is only one possible way that we can preserve good health care that we can afford. It's so logical it isn't even funny. It's simple, fair, and is the only solution that has the potential of preserving excellence. All the rest is just bullsh!t.

magic gunsmoke - 2015-02-13 11:17 AM My husband and I are lucky. I am insured through the school district I work for, and pay 60 a month. My deductible is 2500 and I have a health savings account that the district puts 500 on a year that rolls over. I get free eye and dental too. My husband pays $30 a month and has a HSA and he gets 800 a year. I am not sure what his deductible is as he handles his insurance and I handle mine. There was a point that he lost his job so I put him on mine and it jumped up to $600 but I also had the best insurance plan Humana had to offer it was a PPO with a very very low deductible. I could have opted out of an upgrade and gotten free insurance that the school would pay for. Insurance and retirement are two additional benefits of being a teacher.

EqualRanch - 2015-02-06 8:53 PM I have Blue Cross Blue Shield, of Texas. I know they have multiple options and IF I'm not mistaken, the cheapest is around $350-$400. Just have to check and see.