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Elite Veteran
Posts: 1064
 
Location: Idaho | Just lost my health insurance with my job and looking at getting my plan for my family of 3. Right now all I can find that I can kinda afford is $480 per month for catastrophic. I also don't qualify for any of the tax credits. So that means I will be paying all doctors visits and the monthly plan price out of pocket and I'm really not sure how I'm going to do both. Starting to think paying the fine this year might be the better option. What are you guys doing for this year? |
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 To the Left
Posts: 1865
 
Location: Florida | don't worry about a fine, they are not doing anything about that this year, worry about your family. you need insurance. If you don't qualify for the credit you make enough to afford some kind of insurance. You have to put your family first. |
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 I Prefer to Live in Fantasy Land
Posts: 64864
 
Location: In the Hills of Texas | I don't have an answer as I had catastrophic last year for $500.00 a month with a $6,000.00 deductible for me alone. Hugs as it really does suck. |
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Location: Texas | 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. |
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Too busy outside!
Posts: 5417
| I'm in the process of getting something else- my BC/BS of Wyo costs $760 a month- I'd rather mortgage a house for that. |
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 Expert
Posts: 1718
Location: Southeast Louisiana | I've been fighting with BC/BS for months now. Just pray THEY never screw you over because YOU will end up having to pay for it. Big company & they don't give a **** about the people.
To answer the OP's original question, you might look into a Health Savings Account (or HSA). I don't know if it's right for a family plan or not, but I have heard Dave Ramsey talking about it for people who cannot afford much in the way of insurance I think. Maybe someone on here who knows more about insurance can say if it's right for you or not.
Good luck. I'll keep you and your family in my prayers. |
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 There Could Be Aliens Out There
Posts: 1393
Location: North Central Kansas | Nita - 2015-02-06 10:25 PM
I've been fighting with BC/BS for months now. Just pray THEY never screw you over because YOU will end up having to pay for it. Big company & they don't give a **** about the people.
To answer the OP's original question, you might look into a Health Savings Account (or HSA). I don't know if it's right for a family plan or not, but I have heard Dave Ramsey talking about it for people who cannot afford much in the way of insurance I think. Maybe someone on here who knows more about insurance can say if it's right for you or not.
Good luck. I'll keep you and your family in my prayers.
To qualify for a HSA you must have a high deductible health insurance plan. |
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 Worst.Housekeeper.EVER.
Location: Missouri | I have shopped and shopped... our cheapest option was Coventry. I had a non-ACA plan, but they dropped it and switched me to an ACA plan. So, I'm up to $750/month for my family of 5 ($10k deductible).
Prior to Obama care, I had BCBS for around $600, but they did not offer a non-compliant plan and jumped my rate up to over $1k/month.
I have cried a lot of tears over this. For those in our situation, it hits HARD.
I'm so sorry! Don't give up!
Also, there are group plans through some Christian organizations, Samaritan Ministies is one. I don't understand exactly how they work, but may be worth looking into.
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 My Heart Be Happy
Posts: 9159
Location: Arkansas | The IRS fines for 2014 tax year are based on several different things, like your state, your income, number of dependents,etc. The returns I've done so far have ranged from $95 a person to $530 a person. |
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 Own It and Move On
Location: The edge of no where | We opted to try an HSA plan next year. $400 a month for 2 of us, my company is giving everyone $750 yearly in their account. You still pay the negotiated discount rates for everything until you hit your deductible, then it covers 100%. Anything you don't spend in your HSA account, you keep. I make pretax contribution s each pay period. Once I really looked into it, its a pretty cool deal. |
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  Angel in a Sorrel Coat
Posts: 16030
Location: In a happy place | BCBS got to me too. It is scary. And now that I don't have insurance I am pretty sure I will pay a fine this year. |
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 Hog Tie My Mojo
Posts: 4847
Location: Opelousas, LA | I have BC/BS of Louisiana, as of now Obamacare has not affected our rates yet, we pay about $750 per month with a $6000 deductible. It will most likely go way up in October because my current plan is not good enough for Obamacare standards. Gotta love having such good insurance that you can't afford to go to the doctor.
Hugs to you, this whole deal pretty much sucks. Obamacare- It only works if you don't..... |
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 Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | This year, we are eating the fine. Flame away. |
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 Living on the edge of common sense
Posts: 24139
Location: Carpenter, WY | Is Cobra a option from your last job? |
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 Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | Bottom line it is UCA..........unaffordable care act for many.........thanks Obama and Obama voter........ |
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 Ace Ventura Pet Detective
Posts: 2411
Location: Wisconsin | We are suppose to have some of the best thru my husbands work. We pay over 600 dollars a month. And have 3K each in deductibles. We Almost met it last yr. Only have about 2,400 dollars in Dr bills to pay. Someday i wish i were on Obamacare at least they go by your income. My friend makes 25k a yr and pays $115. What the difference if you have high deductible, we sure didnt benefit from a "great program" |
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Common Sense and then some
Location: So. California | When I changed jobs, the new company is much, much larger and we have GREAT insurance benefits (choice of several different plans) and the employee contribution is based on your plan choice. I pay $100 month, and have all the bells and whistles I need. Annual deductable is $3500. I'm really lucky!
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Elite Veteran
Posts: 1064
Location: Idaho | Sorry guys...out all day running around... Anyways us getting an insurance plan will happen as soon as I can make sure I've found the right one so no worries there. What I don't understand is how we are expected to pay for plans that rival our home mortgage. I hate that we are penalized for making to much money or all the other asinine reasons they tell you. No wonder some people don't want to work or try harder to move up in live...it cost to much for something others are getting for free!! |
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | Anniemae - 2015-02-07 10:17 PM When I changed jobs, the new company is much, much larger and we have GREAT insurance benefits (choice of several different plans) and the employee contribution is based on your plan choice. I pay $100 month, and have all the bells and whistles I need. Annual deductable is $3500. I'm really lucky!
And they want to tax you for having a Cadillac plan. |
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My Heart Be Happy
Posts: 9159
Location: Arkansas | CowPony, before I got my current insurance I was paying almost $800 a month for just my son and myself. And my deductible was $10000. It was unbearable to pay that much. It was over a hundred dollars more a month than my house payment. I was 36 and Chandler was 8, and we had no health problems. Never could figure out why it was so much. . . . |
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Folks on-line