Health insurance plans
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@Dashrender said in Health insurance plans:
@iroal said in Health insurance plans:
My plan works as follows:
Premium per month: $338
Employer pays $282, I pay $56
My deductible is $5350/yr which I'm 100% responsible for, after the deductible is met, the insurance company pays 100% of covered costs.I can't understand how in USA is so expensive.
In Spain sanity is free and cover you anything, It's not perfect, sometimes can take month a simple scanner, but It works fine.
If you want you can pay for a private secure but you pay about 50-70€ per month no 300€ as I read.
Right, that's because you pay taxes to pay for these services. So you are paying, just not directly to the medical institutions.
But they pay lower taxes. So in comparison, they get paid for healthcare.
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This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.
That comes to $8417.64 per year.
This year has only been well child visits.
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If I'm reading this right, you're out of pocket for over $20,000 a year if you have something major? WTF - How can they expect anyone to be on the hook for $20K/year for medical. unless you needed major surgery, you could get a heck of a lot of preventive, and incident based care for those dollars. Extrapolate over 5 years, and my god man, that's a house!
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@pchiodo said in Health insurance plans:
If I'm reading this right, you're out of pocket for over $20,000 a year if you have something major? WTF - How can they expect anyone to be on the hook for $20K/year for medical. unless you needed major surgery, you could get a heck of a lot of preventive, and incident based care for those dollars. Extrapolate over 5 years, and my god man, that's a house!
Don't you love the US healthcare system?
It was this fucked up before the ACA, but before the ACA, all of us could skip out or get more selective coverage.
The ACA has just forced it all into the light.
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@JaredBusch said in Health insurance plans:
@pchiodo said in Health insurance plans:
If I'm reading this right, you're out of pocket for over $20,000 a year if you have something major? WTF - How can they expect anyone to be on the hook for $20K/year for medical. unless you needed major surgery, you could get a heck of a lot of preventive, and incident based care for those dollars. Extrapolate over 5 years, and my god man, that's a house!
Don't you love the US healthcare system?
It was this fucked up before the ACA, but before the ACA, all of us could skip out or get more selective coverage.
The ACA has just forced it all into the light.
Hard to believe anyone didn't know before. But they didn't, it's true. We looked at this over and over and were like... if we just saved the money instead of paying for insurance, we'd get more coverage in a year than the insurance even covers!!!
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Holy cow...
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And look what just hit my inbox.
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Wow. What a scam. 700/month and that's about the worst health coverage ive ever seen.
edit: Just look at those deductible amounts! Might as well not have insurance and just pay Urgent Care a la carte -
Oh and the email thinks I did not enroll because I deal with a broker. same plans but a real person to deal with instead of the healthcare.gov site.
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@JaredBusch said in Health insurance plans:
This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.
That comes to $8417.64 per year.
This year has only been well child visits.
Your coverage is fairly good for the price. Our company's deductibles are a little better than yours, 5K per individual and 10K for family total, but our company pays $2500 a month for that. Employee kicks in ~$700 for a family plan. Single folk pay nuthin'.
Health insurance is expensive. Our reliance on our employer to supply it has been the biggest problem. Insurance companies being dicks about individual policies doesn't help either.
But, to give perspective, your price ain't bad, especially in a more regulatory state. Texas is a rubber stamp at the Department of Insurance. Oh, BCBSTX you want to raise rates 50000%, of course you can!
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@PSX_Defector said in Health insurance plans:
@JaredBusch said in Health insurance plans:
This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.
That comes to $8417.64 per year.
This year has only been well child visits.
Your coverage is fairly good for the price. Our company's deductibles are a little better than yours, 5K per individual and 10K for family total, but our company pays $2500 a month for that. Employee kicks in ~$700 for a family plan. Single folk pay nuthin'.
Health insurance is expensive. Our reliance on our employer to supply it has been the biggest problem. Insurance companies being dicks about individual policies doesn't help either.
But, to give perspective, your price ain't bad, especially in a more regulatory state. Texas is a rubber stamp at the Department of Insurance. Oh, BCBSTX you want to raise rates 50000%, of course you can!
Man, I am lucky. We pay 173$/month for my family plan. It's a cadillac plan. 10$ copays all around and a huge reduction in prescription costs.
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@Dashrender said in Health insurance plans:
I consider my plan pretty OK, perhaps not great, but definitely not bad.
Now the other plan I just heard about (and also confirmed is completely possible) is as follows:
Premium per month: unknown
Employer pays 100% of premium
Deductible is $8000, after which 80% of covered costs are paid.HSA is the same as above as federally mandated.
This plan seemed outrageous at first, but after an offline discussion, it is this way because the employer wanted a lower premium cost.
That plan is in violation of ACA, max out of pocket per year is $6850 (it goes up next year), after that insurance must cover 100%.
Either way, the only acceptable insurance plan is the one when it costs me $0. No deductible, no copays, no out of pocket expenses. Unfortunately it won't happen in US. -
@coliver said in Health insurance plans:
@PSX_Defector said in Health insurance plans:
@JaredBusch said in Health insurance plans:
This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.
That comes to $8417.64 per year.
This year has only been well child visits.
Your coverage is fairly good for the price. Our company's deductibles are a little better than yours, 5K per individual and 10K for family total, but our company pays $2500 a month for that. Employee kicks in ~$700 for a family plan. Single folk pay nuthin'.
Health insurance is expensive. Our reliance on our employer to supply it has been the biggest problem. Insurance companies being dicks about individual policies doesn't help either.
But, to give perspective, your price ain't bad, especially in a more regulatory state. Texas is a rubber stamp at the Department of Insurance. Oh, BCBSTX you want to raise rates 50000%, of course you can!
Man, I am lucky. We pay 173$/month for my family plan. It's a cadillac plan. 10$ copays all around and a huge reduction in prescription costs.
Dang... Can I come work for you?
Our insurance is $400 a month. We pay everything up to $3,500 for a single person, or $7,000 for family.
Only met that $3500 once...
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@coliver said in Health insurance plans:
@PSX_Defector said in Health insurance plans:
@JaredBusch said in Health insurance plans:
This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.
That comes to $8417.64 per year.
This year has only been well child visits.
Your coverage is fairly good for the price. Our company's deductibles are a little better than yours, 5K per individual and 10K for family total, but our company pays $2500 a month for that. Employee kicks in ~$700 for a family plan. Single folk pay nuthin'.
Health insurance is expensive. Our reliance on our employer to supply it has been the biggest problem. Insurance companies being dicks about individual policies doesn't help either.
But, to give perspective, your price ain't bad, especially in a more regulatory state. Texas is a rubber stamp at the Department of Insurance. Oh, BCBSTX you want to raise rates 50000%, of course you can!
Man, I am lucky. We pay 173$/month for my family plan. It's a cadillac plan. 10$ copays all around and a huge reduction in prescription costs.
But what does your company pay?
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@JaredBusch said in Health insurance plans:
@coliver said in Health insurance plans:
@PSX_Defector said in Health insurance plans:
@JaredBusch said in Health insurance plans:
This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.
That comes to $8417.64 per year.
This year has only been well child visits.
Your coverage is fairly good for the price. Our company's deductibles are a little better than yours, 5K per individual and 10K for family total, but our company pays $2500 a month for that. Employee kicks in ~$700 for a family plan. Single folk pay nuthin'.
Health insurance is expensive. Our reliance on our employer to supply it has been the biggest problem. Insurance companies being dicks about individual policies doesn't help either.
But, to give perspective, your price ain't bad, especially in a more regulatory state. Texas is a rubber stamp at the Department of Insurance. Oh, BCBSTX you want to raise rates 50000%, of course you can!
Man, I am lucky. We pay 173$/month for my family plan. It's a cadillac plan. 10$ copays all around and a huge reduction in prescription costs.
But what does your company pay?
Exactly what I was thinking!!!
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Just got done going through the initial application process on HealthCare.gov.
I was greeted with these lovely numbers.
For the record, I had a Silver plan for ~$750 for 2016.
My annual Adjusted Gross Income is too high, by $5,000, to qualify for government subsidies to offset any portion of these costs.
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@JaredBusch said in Health insurance plans:
My annual Adjusted Gross Income is too high, by $5,000, to qualify for government subsidies to offset any portion of these costs.
Your AGI is over $97K a year? Because the subsidy ends at 400% of the poverty line, for a family of four, that's ~$97K.
https://www.illinoislegalaid.org/legal-information/federal-poverty-guidelines
That's also the average, not the lowest.
And really? $100K post AGI not enough? Which is somewhere near $140K pre-tax assuming you are not deducting things correctly? If you work for yourself, your AGI could easily be around $200K.
You are bitching about the ACA. You really need to be bitching about getting a new CPA who ain't leaving you to the wolves.
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@PSX_Defector said in Health insurance plans:
You are bitching about the ACA. You really need to be bitching about getting a new CPA who ain't leaving you to the wolves.
This is true and I will be speaking to a new one as my gross last year was just a fraction over $100k with an AGI listed as $98k last on my 1040.
I suspect I will be filing amended returns.
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@JaredBusch said in Health insurance plans:
@PSX_Defector said in Health insurance plans:
You are bitching about the ACA. You really need to be bitching about getting a new CPA who ain't leaving you to the wolves.
This is true and I will be speaking to a new one as my gross last year was just a fraction over $100k with an AGI listed as $98k last on my 1040.
I suspect I will be filing amended returns.
OK, quick math.
$100K gross is around $80K in a W2 return. Self employment knocks up about $20K in self taxes, be it FICA or income. Federal, ignoring state for the moment.
So yes, your CPA sucks. Even using the standard schedules and layout wouldn't get you that. F***[moderated], even I could do better than that.
Did anyone mention to you that those fun deductions for your health payments? Or your mileage? Or even your home office? Jesus, it's not like he's even trying.
Say what you will about the ACA, but what you got is a bad deal from your CPA. He's a lazy f******* [moderated] moron.
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@PSX_Defector said in Health insurance plans:
@JaredBusch said in Health insurance plans:
@PSX_Defector said in Health insurance plans:
You are bitching about the ACA. You really need to be bitching about getting a new CPA who ain't leaving you to the wolves.
This is true and I will be speaking to a new one as my gross last year was just a fraction over $100k with an AGI listed as $98k last on my 1040.
I suspect I will be filing amended returns.
OK, quick math.
$100K gross is around $80K in a W2 return. Self employment knocks up about $20K in self taxes, be it FICA or income. Federal, ignoring state for the moment.
So yes, your CPA sucks. Even using the standard schedules and layout wouldn't get you that. F(***), even I could do better than that.
Did anyone mention to you that those fun deductions for your health payments? Or your mileage? Or even your home office? Jesus, it's not like he's even trying.
Say what you will about the ACA, but what you got is a bad deal from your CPA. He's a lazy f(***)ing moron.
Are mistaking AGI and taxable income? My taxable is much lower, in the range you are mentioning.
