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Elite Veteran
Posts: 1064
 
Location: Idaho | Chandler's Mom - 2015-02-08 12:29 AM
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. . . .
Yes this is just what I'm talking about! I'm just so sorry for the others that are worse off then me trying to get by honestly. Makes me feel selfish for even bring it up. I just don't understand :( |
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 My Heart Be Happy
Posts: 9159
  
Location: Arkansas | That insurance probably never paid more than 1000 bucks on doctor bills, etc. And I had it for years. It makes me want to cry when I think about all the horse stuff I could have bought with that money!! |
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Location: Great Places Great Faces | ~BINGO~ - 2015-02-07 7:49 AM This year, we are eating the fine. Flame away.
No flaming but lots of prayers... I've had serious health issues in my family to the price tag of over a million... I can't imagine if we didn't have insurance what our life would be like... |
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Industrial Srength Barrel Racer
Posts: 7268
| It's rather strange, my accountant said you don't have to "prove" you have insurance, there's a box you either check yes or no, so how would they REALLY know? He said, he isn't getting paid anything from the government to make sure people DO have insurance so, he doesn't really care - he doesn't think it should be up to him to give proof and I agree, unless the government wants to pay him to monitor this. (I have insurance through my company, just found this interesting). |
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 Own It and Move On
Location: The edge of no where | The thing that infuriates me every morning driving to work is listening the commercials encouraging everyone to sign up and talking about how cheap it is....."most users qualified for assistance last year". ARGH!
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 Serious Snap Trapper
Posts: 4275
Location: In The Snow, AZ | Spiked-Kat - 2015-02-08 10:29 AM ~BINGO~ - 2015-02-07 7:49 AM This year, we are eating the fine. Flame away. No flaming but lots of prayers... I've had serious health issues in my family to the price tag of over a million... I can't imagine if we didn't have insurance what our life would be like...
Hubby and I weighed our options and this just made more sense this time around. The quotes we got were outrageous. I guess I could sell off everything so we could afford it. Maybe this year we will have to. Our only real concern is our daughter. It's easy to say we are healthy and don't need it. But then the unthinkable will happen and we will probaby drown. We know we need insurance. It is what it is. |
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Elite Veteran
Posts: 1064
Location: Idaho | Thank you for all your replies. I really wish I was the only one with this problem, but from the sounds of it there are lots out there sharing this with us. I really wish I had another answer :( |
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 There Could Be Aliens Out There
Posts: 1393
Location: North Central Kansas | Griz - 2015-02-09 5:39 AM
It's rather strange, my accountant said you don't have to "prove" you have insurance, there's a box you either check yes or no, so how would they REALLY know? He said, he isn't getting paid anything from the government to make sure people DO have insurance so, he doesn't really care - he doesn't think it should be up to him to give proof and I agree, unless the government wants to pay him to monitor this. (I have insurance through my company, just found this interesting).
Interesting....I work for a local CPA doing taxes and we just ask the clients I'd they had health insurance. We do not require proof. However, we get our personal taxes done by another cpa and he requires proof of insurance such as a photocopy of my health insurance card. |
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Industrial Srength Barrel Racer
Posts: 7268
| ks_cowgirl - 2015-02-09 11:14 AM Griz - 2015-02-09 5:39 AM It's rather strange, my accountant said you don't have to "prove" you have insurance, there's a box you either check yes or no, so how would they REALLY know? He said, he isn't getting paid anything from the government to make sure people DO have insurance so, he doesn't really care - he doesn't think it should be up to him to give proof and I agree, unless the government wants to pay him to monitor this. (I have insurance through my company, just found this interesting). Interesting....I work for a local CPA doing taxes and we just ask the clients I'd they had health insurance. We do not require proof. However, we get our personal taxes done by another cpa and he requires proof of insurance such as a photocopy of my health insurance card.
I guess it probably all depends on the accountant. I don't think I would take it upon myself to monitor it all if I was in their shoes though - not without some incentive to do so. |
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 Elite Veteran
Posts: 928
Location: Bigfoot Country | Ha! My husband and I pay $969/month with a $6500 each person deductible!! And no prescription benefits at all! Not sure if it's because we live in CA? He is medically retired, and on a fixed income. It's crazy! Takes almost half of his check! This is the 'cheapest' option they offer too! One of the options was $5,000/month!! Seriously???? |
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 Elite Veteran
Posts: 684
Location: Oklahoma | Wow...I guess I won't complain anymore about my insurance. I pay $109 a month for United Healthcare with a $1600 deductible (single person). With United, the company I work for gives you $650 to use as your part of the deductable, so really ist more like $950. If you don't use it, it'll roll over and be added with next years.
United is the best option our company offers. I've had BCBS before, and wasn't impressed. The cheapest you can get here is the BCBS (of TN) ACO PPO. It costs $53 a month with a $2000 deductible.
I don't know how they expect people to afford insurance! Its crazy what it costs if you are self or unemployed. |
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 Toastest with the Mostest
Posts: 5712
Location: That part of Texas | As a self-employed business owner, I was totally screwed on looking for cheaper insurance for just me. What saved my hide somewhat was being able to buy through a pool organized by the State Bar for us solo-practioner attorneys. I pay about $333 per month and think my deductible is $7500 with BCBS of Texas. You might want to check through AQHA or other organizations (like AAA) to see if you qualify for cheaper insurance as part of a bigger pool of people. |
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 I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | cowpony45 - 2015-02-09 11:03 AM Thank you for all your replies. I really wish I was the only one with this problem, but from the sounds of it there are lots out there sharing this with us. I really wish I had another answer :(
If you work for a living and are responsible you are screwed. It's Obama's new America where he wants to punish hard working Americans and redistribute the wealth. He doesn't have a clue that you can throw all kinds of money to people but it's like going and fishing and give people the fish instead of teaching them how to fish. |
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Elite Veteran
Posts: 915
Location: SE KS | I was hoping our Republic laden Congress was going to get us out of this Affordable Care Act!!!! |
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  Expert
Posts: 1584
Location: Central Texas | I'm really stressing over this, too. I don't qualify for assistance and I have not figured out how to afford the $650 a month along with the $6,000 deductible. My insurance was $200 a month with a $3,500 deductible! Now no insurance. |
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I'm a Cry Baby
Posts: 3781
Location: n.c. | I will have to pay the fine this year since I didn't have any by Feb. 15.
As of March 1, I have signed up with the Christian Healthcare Ministries. It's set up as a coop.
I pay 100.00 per quarter and 50.00 per month. Then if I go to the Dr or hospital, the bills are sent
to them; they pay accordingly and I keep paying my 50.00 per month.
It was the only thing I could find that I could afford. The main win/win. I had to quit smoking before
I could join. Go me! |
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 Veteran
Posts: 216
Location: SC/Ga line | Looking at Medishare Christian Insurance
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Elite Veteran
Posts: 1064
Location: Idaho | So far Costco has the cheapest per month for us. It's catastrophic coverage with a 13000 deductible. Its $465 per month for the 3 of us so we would have something I guess. Its so hard spending that money knowing it won't do anything for us. I really do understand the anything can happen fact, but there has to be a better way or some other way to make this affordable. I'm sorry but we make ok money, live within our means and try to put money aside every month and this is what we get....well you make this much money a year before taxes so we think you can afford it so now you have to! Awesome.... |
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Location: Great Places Great Faces | Asking because I don't know, no ill intent.. Are you all self employed , and that's why you don't have issurance? We kind of have a running joke here that for every good ranches there's a wife that works in town... True in my family in large part to having health insurance .. Not to hijack thread.. Just curious.
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 Elite Veteran
Posts: 974
Location: In the wrong place at the wrong time | No Insurance here and **** sure not paying a fine for something I can't afford.
It scares me to death to be without insurance BUT it was either drop the insurance or starve.
My husband's business went under a little over a year ago and he can't find a job so we have only mine and I make too much for assistance but not enough to afford anything but food, shelter and utilities.
I asked my LIBERAL senator to help avoid the penalty and he put me in touch with Obamacare penalty hardship exemption and I'm waiting for the exemption code to file with my taxes. |
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