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Can't afford health insurance anymore..

The-Alchemist 10,076 1,947 November 20, 2015 at 12:06 PM in Finance (2)
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When I was younger it was affordable and before I got forced onto an obama care plan it was decent. I used to have no ded but a 20% copay but now I have a huge ded under obama care and my insurance is almost worthless. I went to a walk in a few times a year and my insurance picked up none of the bill because now I have a huge ded I need to meet. Of course the place charged me almost 300 dollars for a 10 min visit. There seems to be no options as my state rejected some of the affordable care bills that would get me a discount.

I was thinking about canceling it and just getting insurance again if I get cancer or something. Either way my insurance is over 200 dollar a month now and starting to hurt.

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#2
Can you get a job through an employer who offers healthcare?

Unfortunately thats just the way it is these days. You just need to budget for insurance and healthcare and only count on insurance covering catastrophic claims.
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#3
Socialize\gov run and\or greatly interfered with anything always leads to higher costs and crummier service. Just ask yourself if you ever heard someone say X is a well run government agency...the post office is a well run and cost efficient group, etc. People want to believe in the tooth fairy and a free lunch and want the other guy to pay the ride for him and what they get is just higher costs and lousier service for all but the handful of cronies. Unfortunately, as another poster noted, it is what it is and there is not much you can do about it now.

As for your case, $200 a month is nothing. Many single people are paying $500+ a month and getting crummy, high deductible plans with it. Family plans can often run well over $1000 a month in many areas. It has basically reached the point where many get insurance just to cover for catastrophic illness situations (i.e., hospitalizations and serious illnesses) and your yearly type of stuff (checkups, colds, sprains, maintenance type things for blood pressure and the like) you just have to pay out of pocket more or less now.
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#4
Quote from YanksIn2009 View Post :
Socialize\gov run and\or greatly interfered with anything always leads to higher costs and crummier service. Just ask yourself if you ever heard someone say X is a well run government agency...the post office is a well run and cost efficient group, etc. People want to believe in the tooth fairy and a free lunch and want the other guy to pay the ride for him and what they get is just higher costs and lousier service for all but the handful of cronies. Unfortunately, as another poster noted, it is what it is and there is not much you can do about it now.

As for your case, $200 a month is nothing. Many single people are paying $500+ a month and getting crummy, high deductible plans with it. Family plans can often run well over $1000 a month in many areas. It has basically reached the point where many get insurance just to cover for catastrophic illness situations (i.e., hospitalizations and serious illnesses) and your yearly type of stuff (checkups, colds, sprains, maintenance type things for blood pressure and the like) you just have to pay out of pocket more or less now.
Before or now health insurance has just gotten worse in the long run. My dad told me when he was in Chicago he would get deducted like $20 a month and had fanstatic coverage. He said one of the reasons he thinks insurance has gone up is because a lot of people just used it like whatever and going to the doctor for just any reason. Jumping to 2010 my mom had insurance through her company she would be paying $480+ (and every year it was going up my mom had to downgrade at some point and the thing is when she downgraded her coverage was worthless, but keeping the current one was just leaving her with so little) dollars a month for the family and the coverage was pathetic. This was before Obamacare was enacted I told her to cancel it since it was to much for her and its not like it was great overall coverage you still had to pay a lot out of your pocket before it even kicked in. You hit it on the spot "Yanksin2009" and the main reasons my parents have wanted to keep the insurance was if they ever got very sick thats the real point of it, but its just ridiclous how unaffordable health insurance is. One of our relatives had a bad accident and they basically exhausted their health insurance after paying for years they are in a very hard situation since they have assets etc and they don't even know what to do at this point. OP have you checked into subsidizing and looking around your best bet is searching for a different health insurance.
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Last edited by gpister November 20, 2015 at 01:26 PM
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#5
Quote from gpister View Post :
Before or now health insurance has just gotten worse in the long run. My dad told me when he was in Chicago he would get deducted like $20 a month and had fanstatic coverage. He said one of the reasons he thinks insurance has gone up is because a lot of people just used it like whatever and going to the doctor for just any reason. Jumping to 2010 my mom had insurance through her company she would be paying $480+ (and every year it was going up my mom had to downgrade at some point and the thing is when she downgraded her coverage was worthless, but keeping the current one was just leaving her with so little) dollars a month for the family and the coverage was pathetic. This was before Obamacare was enacted I told her to cancel it since it was to much for her and its not like it was great overall coverage you still had to pay a lot out of your pocket before it even kicked in. You hit it on the spot "Yanksin2009" and the main reasons my parents have wanted to keep the insurance was if they ever got very sick thats the real point of it, but its just ridiclous how unaffordable health insurance is. One of our relatives had a bad accident and they basically exhausted their health insurance after paying for years they are in a very hard situation since they have assets etc and they don't even know what to do at this point. OP have you checked into subsidizing and looking around your best bet is searching for a different health insurance.

There is a certain amount of hypochondriac-itis (for lack of a better word), but costs keep escalating for a lot of reasons. One is law suits\malpractice. Lawyers are called ambulance chasers for a reason. Another is simply that the system is indeed broken and health insurance has been a game for years. Hospitals charge ridiculous standard fees that all of a sudden get cut 90%+ if you have insurance. Why? Because they are trying to make money off the under-insured\cover the costs of the uninsured. Then the government comes in and of course does what it does best, screw everything up even more on a massive scale. The road to hell is paved with good intentions as the saying goes. Add in that unfortunately there are too many people around who think that the other guy owes him something or that he is entitled to a free ride and that has led us down this path of making an arguably bad system much worse imo. It is only going to get worse too. Nothing one can do about it really.
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#6
Just get a job with a higher employer contribution
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#7
Quote from flatlight View Post :
Just get a job with a higher employer contribution
what if he can't get hired? you can't just walk to a place that had good insurance and get hired.
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#8
Quote from The-Alchemist View Post :
When I was younger it was affordable and before I got forced onto an obama care plan it was decent. I used to have no ded but a 20% copay but now I have a huge ded under obama care and my insurance is almost worthless. I went to a walk in a few times a year and my insurance picked up none of the bill because now I have a huge ded I need to meet. Of course the place charged me almost 300 dollars for a 10 min visit. There seems to be no options as my state rejected some of the affordable care bills that would get me a discount.

I was thinking about canceling it and just getting insurance again if I get cancer or something. Either way my insurance is over 200 dollar a month now and starting to hurt.
Did you talk to the Dr office and ask if they could work with you?
Sometimes Dr office will charge that and the people who can pay it do but for those for who it is a hardship for the office reduces it.. sometimes by a lot.
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#9
I guess government only exists in America.

OP, if you had been fortunate to be born in any other first world country on earth, you would not have such concerns. You may have other concerns, but not this one.
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#10
Quote from blackhawk556 View Post :
what if he can't get hired? you can't just walk to a place that had good insurance and get hired.
He can obtain qualities that make him desirable to such employers
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#11
Quote from flatlight View Post :
He can obtain qualities that make him desirable to such employers
I am on the cusp of finishing 2 BAs that will net me no better job. Also, this is silly. Do you really not believe their are some people too stupid to do anything but dig a ditch? That if everyone tries hard enough they can gain the skills needed to get a decent job.
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#12
Quote from gpister View Post :
Before or now health insurance has just gotten worse in the long run. My dad told me when he was in Chicago he would get deducted like $20 a month and had fanstatic coverage. He said one of the reasons he thinks insurance has gone up is because a lot of people just used it like whatever and going to the doctor for just any reason. Jumping to 2010 my mom had insurance through her company she would be paying $480+ (and every year it was going up my mom had to downgrade at some point and the thing is when she downgraded her coverage was worthless, but keeping the current one was just leaving her with so little) dollars a month for the family and the coverage was pathetic. This was before Obamacare was enacted I told her to cancel it since it was to much for her and its not like it was great overall coverage you still had to pay a lot out of your pocket before it even kicked in. You hit it on the spot "Yanksin2009" and the main reasons my parents have wanted to keep the insurance was if they ever got very sick thats the real point of it, but its just ridiclous how unaffordable health insurance is. One of our relatives had a bad accident and they basically exhausted their health insurance after paying for years they are in a very hard situation since they have assets etc and they don't even know what to do at this point. OP have you checked into subsidizing and looking around your best bet is searching for a different health insurance.
There is no more looking around for health insurance it is all on one website now.

https://www.healthcare.gov/

My state is one of the states that offers no subsidized health care. Even if they did you can only get it if you make under 11k a year. Which is kinda funny because if you don't you are expected to pay out at min almost 2000 a year out of your 11k to get health insurance.
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#13
Quote from flatlight View Post :
He can obtain qualities that make him desirable to such employers

Yes because the 45+ year old tech worker who got his job outsourced to someone in Mumbai making $8 an hour can just find another company that wants to pay him a good salary with health coverage overnight. I got news for you, the tech jobs that are left are going to be for a handful of high position folks or for 20-30 something year olds who make lower salaries and have lower costs and who can be abused 60+ hours a week more easily.

Or the factory worker that had his plant closed due to his company going out of business or his job being outsourced to China can just go pick up a skill overnight with some other manufacturer...newsflash, we do not build anything any more in this country. We used to at least build weapons, but that is the one gov program the current admin does not like and has cut that back as well....So now we make fast food and a few commercial airplanes.


Maybe you consider working in the service industry flipping burgers or being a Walmart greeter a new desirable quality or skill but most of us do not.
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Last edited by YanksIn2009 November 20, 2015 at 08:44 PM
#14
We just received our policy renewal for health insurance for next year. It's gong to be as much as our mortgage. Insane. And if we move the the exchanges, we'll pay even more.

What a nightmare.
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#15
Quote from The-Alchemist View Post :
I am on the cusp of finishing 2 BAs that will net me no better job. Also, this is silly. Do you really not believe their are some people too stupid to do anything but dig a ditch? That if everyone tries hard enough they can gain the skills needed to get a decent job.
Yes my employer hires based on your performance on a mechanical aptitude written test (if I turn this pulley, which way does this pulley turn) and a physical test (take this wheelbarrow through an obstacle course). Then they will train you on how to do the job in an apprenticeship. The top scorers go to a power plant operator apprenticeship ($60k+), the middle scorers go to a linemen apprenticeship ($50k+), and the lower scorers go to a pipefitters apprenticeship ($40k+) and the agency pays ~80-90% of your health care premium.
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