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 Serious Snap Trapper
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Location: In The Snow, AZ | Anyone? And if so, why not? |
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 Expert
Posts: 3104
Location: Arkansas | Because we don't have an extra $800 plus in our budget every month. |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | gypsy1997 - 2015-12-16 8:58 AM
Because we don't have an extra $800 plus in our budget every month.
Thank you for responding.
I ask, because we're in the same boat. I just looked into it again and am just horrified at the costs for the worst possible plan. Affordable care act... Pfft. |
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Red Bull Agressive
Posts: 5981
 
Location: North Dakota | As anyone with a brain knew from the beginning, the "Affordable Care Act" is BULLSH!T. I work in a clinic and there are still plenty of people without insurance and I have not come across a single person that has actually been able to sign up and get approved for obamacare. The maybe 6 people that have mentioned it said they were waiting indefinitely for approval or couldn't even get the website to work in the first place.
Let us not forget that the intent of obamacare was NEVER to actually help people. The intent was to drive the price of insurance up so much that people would be tricked into supporting a single payer system. That may be fine for some countries but I can list many first-hand accounts of dealing with socialized medicine in Canada, Germany, and France that are absolutely terrifying. Extremely poor service that really won't save you any money. It will just be ripped from your paycheck in the form of taxes rather than you choosing a plan that works for you and paying that way. Luckily for me, my mom has great insurance and I'm still young enough for a couple years at least to be under it. She almost lost it when the obamacare rules were set in place though. She now has to work more hours to qualify and the cost went up. I'm terrified for what the cost will be once I have to go get my own.
Edited by cavyrunsbarrels 2015-12-16 1:09 PM
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Elite Veteran
Posts: 695
Location: Windoming | Yep, I'm paying $800 a month for the two of us, for less coverage than we had before. No dental and no vision. We were paying $300 a month before, with dental and vision! My husband retired, so we lost that. We were supposed to be able to keep it after retirement, another lie. Through Obamacare, it was $1900 a month with $11,000 deductible! They are still calling me about it! I am getting it through my employer now. I see visions of a new truck every time I pay my insurance..........Looks like the 2001 will have to last forever. So far, so good! |
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Expert
Posts: 3104
Location: Arkansas | ~BINGO~ - 2015-12-16 11:30 AM gypsy1997 - 2015-12-16 8:58 AM Because we don't have an extra $800 plus in our budget every month. Thank you for responding. I ask, because we're in the same boat. I just looked into it again and am just horrified at the costs for the worst possible plan. Affordable care act... Pfft.
To be honest, I haven't even checked into it this year. We don't go to the doctor anyway and I can't justify those monthly costs with an $11K deductible just to say we are covered. We did not have to pay the penalty last year because by IRS standards "it was not affordable", according to our accountant. I want coverage but I just can't pay those premiums without getting rid of a couple of vehicles. Or the house and a vehicle. |
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Extreme Veteran
Posts: 396
| If an accident wouldn't cause us to loose our little rancho in bills, I would be on the quit bandwagon too. $700/month for the lowest BCBS plan available and I still paid almost everything out of pocket because it's a high deductible plan. We used to pay $189 for a similar plan with BCBS 5 years ago. Should have stayed grandfathered in on that plan if I could have known the future. |
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 I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | Most people that are paying for health insurance don't have health insurance...paying over $500.00 a month for one person with a $6,000.00 deductible is not health insurance...it's catastrophic medical insurance. This is nothing but a redistribution of wealth. |
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Elite Veteran
Posts: 898
Location: Mountains of VA | I don't have any insurance.....we just can not manage another montly bill that would give us nothing in return. Besides, the premium is high plus with a $6,500 deductible we would be paying out of pocket for approx. $9,000 a year for just myself for medical care before insurance would pick any of it up. However, the govt. thinks we are rolling in $$$$ because of my hushand's retirement pay from 35 years of teaching school and his Social Security, HA! HA!
The ObamaCare is figured on the entire "household" income, not just the person needing the insurance. It is such a joke. Insurance would be great to have for a major injury or disease but right now I'm just gambling that I will not be put into that situation. I also do not think trying to safe my life is worth going into debt over either if it came to having to spend hundreds of thousands to do it.
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Elite Veteran
Posts: 898
Location: Mountains of VA | Nevertooold - 2015-12-16 12:09 PM Most people that are paying for health insurance don't have health insurance...paying over $500.00 a month for one person with a $6,000.00 deductible is not health insurance...it's catastrophic medical insurance. This is nothing but a redistribution of wealth.
This ^^^^^ You said exactly what I was trying to say. |
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 Elite Veteran
Posts: 669
Location: Central Texas | gypsy1997 - 2015-12-16 12:07 PM
~BINGO~ - 2015-12-16 11:30 AM gypsy1997 - 2015-12-16 8:58 AM Because we don't have an extra $800 plus in our budget every month. Thank you for responding. I ask, because we're in the same boat. I just looked into it again and am just horrified at the costs for the worst possible plan. Affordable care act... Pfft.
I was curious about the IRS penalty aspect. Was wondering if IRS enforced when you file your return. |
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Elite Veteran
Posts: 672
| Nevertooold - 2015-12-16 12:09 PM
Most people that are paying for health insurance don't have health insurance...paying over $500.00 a month for one person with a $6,000.00 deductible is not health insurance...it's catastrophic medical insurance. This is nothing but a redistribution of wealth.
They would be much better pocketing that $500/month and saving it for any future medical issues.  |
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 Worst.Housekeeper.EVER.
Location: Missouri | I just dropped ours. Our cost went up again... $1018/month for our family of five, with a $7,500 deductible.
I tried to find a non-ACA compliant plan and just pay the penalty, but couldn't find them offered anywhere. Instead, I am in the process of enrolling with Medi-Share, a Christian cost-sharing program. They have pretty strict guidelines and will not cover anything pre-existing, but I feel like it's our only option for now. |
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 Owner of a ratting catting machine
Posts: 2258
| Me. I had emergency surgery in July and incurred $35,000 in costs. Called to cut a deal with the providers, came out with $18,000 in costs.
Way way way less than two years of insurance+deductible would cost me.
This is ridiculous and a **** shame. |
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 Expert
Posts: 1718
Location: Southeast Louisiana | Silly Filly - 2015-12-16 11:48 AM
Yep, I'm paying $800 a month for the two of us, for less coverage than we had before. No dental and no vision. We were paying $300 a month before, with dental and vision! My husband retired, so we lost that. We were supposed to be able to keep it after retirement, another lie. Through Obamacare, it was $1900 a month with $11,000 deductible! They are still calling me about it! I am getting it through my employer now. I see visions of a new truck every time I pay my insurance..........Looks like the 2001 will have to last forever. So far, so good!
Well, since you are able to pay, you have to carry the ones on the lower end. That's how this crap works. Complete socialism bull****. |
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Elite Veteran
Posts: 629
| I too am curious about the penalties. My husband and I are DINK's so on paper, we make "a lot". Last year, my dad got sick in April, diagnosed with terminal cancer in June and died in October. My husband and I supported my parents almost all year because of my dad's illness and inability to work before he started collecting disability (only received 2 months, $700 total). We tried to claim my mom as a dependent on our taxes to reduce our tax liability (just like if we had a child) but because she didn't have health insurance paying her "penalty" for not having insurance would have cost more than it saved us in taxes, so we just filed as the two of us, and paid our taxes. Worked out to about $1000 "fine" for her not having insurance. But, she made no money all year, because she hasn't worked in 30 years, and she didn't pay the fine. |
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 Hugs to You
Posts: 7550
Location: In The Land of Cotton | It is cheaper to pay the fine. It is 2.5% of the total household income for the year 2015. If you made $100K total - it would be $2,500.
Edited by 3canstorun 2015-12-16 12:48 PM
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 How freakish is that?
Posts: 3927
Location: Oregon | OutlawsLastDance - 2015-12-16 10:41 AM I too am curious about the penalties. My husband and I are DINK's so on paper, we make "a lot". Last year, my dad got sick in April, diagnosed with terminal cancer in June and died in October. My husband and I supported my parents almost all year because of my dad's illness and inability to work before he started collecting disability (only received 2 months, $700 total). We tried to claim my mom as a dependent on our taxes to reduce our tax liability (just like if we had a child) but because she didn't have health insurance paying her "penalty" for not having insurance would have cost more than it saved us in taxes, so we just filed as the two of us, and paid our taxes. Worked out to about $1000 "fine" for her not having insurance. But, she made no money all year, because she hasn't worked in 30 years, and she didn't pay the fine.
What state do you live in? |
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Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | we are just going to suck it up and pay the fine again. Although I believe it's supposed to about triple what we were fined last year. We should be around the $1,800 mark this year. But shoot, that's only a bit over double what the monthly cost of our insurance would be per month.... With a $7,000 deductible. We haven't been to the doctor in several years. We are young, healthy adults. So, as others have said, unless something catastrophic happens, I couldn't fathom paying the insurance. I'm just glad to hear that I'm not the only one. However I am surprised at how many there actually are without insurance. |
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Extreme Veteran
Posts: 596
Location: Somewhere in the middle of nowhere | My SO doesn't have insurance and had his appendix rupture on him. In the hospital, the financial advisor told him he didn't qualify for any aid due to the fact that he owns 2 pickups and his house. The bills total about $100,000.....he is just going to have to pay what he can and he will get it paid off. |
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Folks on-line