I don't understand what people/the self employed are supposed to do about health insu

[jiminbogart]

Check out Christian Healthcare Ministries Cost Sharing plan. Our family of four monthly premiums went from over $2000 per month to $400 per month. I believe there is a $500 deductible per major medical event, but it’s affordable and protects against a catastrophic event that could bankrupt a family.

Do they accept non believers?

My wife just gave me the bad news. For me and her(both 55 years old) Ambetter(Obama) is $14,412 per year with a $13,600 deductible and Lloyds is $16,571(premium and tax penalty) per year with a $15,000 deductible.

Basically I will have to spend $28,012 before insurance kicks in.

Wow. I had better start taking care of myself. I'll be working for the rest of my life to keep all the doctors in their Porsches and million dollar homes.

 

[sinclair1]

So we went back in the workforce, partly due to insurance. I was just celebrating that we now pay $225 a month for me and she landed even better insurance at $90 a month thru her company.

Then the record scratched, that still stinks. It was only 8 or so years ago that we paid $30 for me and hers was company paid.

I just received our company self employed quote that we no longer need ...$1494 a month. I honestly don't know how people will be able to afford that at any level of income and not struggle.

 

[work2play2]

And that's just 2 people. 1500 for 2 people. Imagine a few younguns.

Congrats to going back to work force. It's worth it just for the insurance alone

 

[Artfuldodger]

The doctors are capitalist,
The insurance companies are capitalist,
Supply and demand, monopolies.

I think in the end if we get the government back out of it, it should go back to the way Capitalism is suppose to work.

 

[Miguel Cervantes]

The doctors are capitalist,
The insurance companies are capitalist,
Supply and demand, monopolies.

I think in the end if we get the government back out of it, it should go back to the way Capitalism is suppose to work.

It's moving that way. As soon as Trump signs the tax bill the individual mandate is out the window.

 

[work2play2]

Which will happen any day. But is it really gonna drive prices down? They are up so high right now it's out of control

 

[Miguel Cervantes]

Which will happen any day. But is it really gonna drive prices down? They are up so high right now it's out of control

As soon as the business looks profitable to Insurance Companies they will be back in the states, business as usual. The only thing that would be better is to pass an Interstate Competition legislation. They would get real honest real quick with that in place.

 

[MudDucker]

Every third party payer ends up with fraud and abuse, because the ultimate users has no incentive to help keep costs down. Med insurance is a game between the provider and the insurance company and the users ends up the pawn.

My insurance guy was able to find me a small group plan, even though I only have two employees. Fortunately, one of my employees is the spouse of a retired military member and doesn't want coverage. Still costs me close to $3k a month for myself, my wife and my coverable daughter.

Next year, with the individual mandate gone, I will be breaking out of the Obummercare mold and taking out a non-compliant plan while giving Obummer an economy hand wave where I save the use of four fingers.

 

[work2play2]

Mudducker. Have you priced this or have any idea the cost?

 

[steeleagle]

The Democrats and socialists now claim that "good health care" is a "right" and then conflate Medical insurance and health care. It is the INSURANCE and the government meddling in the market (Medicare, Medicaid, ACA) that has artificially driven up the cost of health care. And now it is almost impossible to stop the avalanche of bad news from inflated costs, increasing premiums and absurd rules.

The government has always been involved in healthcare and always will. In fact, virtually no one (Even though posters on this board that won't admit it) on planet earth wants to let the free market rule. Why you ask? It is very simple: Why would you insure the elderly.....too much payout......why would you insure the young....too much payout......women have kids......too much payout....Men make too many dumb decisions......Too much payout.

 

[elfiii]

In fact, virtually no one (Even though posters on this board that won't admit it) on planet earth wants to let the free market rule.

I do. Before the government started intervening health care was affordable.

 

[elfiii]

Next year, with the individual mandate gone, I will be breaking out of the Obummercare mold and taking out a non-compliant plan while giving Obummer an economy hand wave where I save the use of four fingers.

I can guarantee you they ain't no prize either. A little bit better than ACA compliant plans but not much. We are just wrapping up our group health renewal. It's been high anxiety around here the last 10 days.

 

[Hooty Hoot]

In my mind, the repeal of the individual mandate will drive costs up. Then the squawking will overwhelm even the democrats. I would bet that the republicans are counting on it. We are moving towards a single payer system because when the next thing doesn't work, nothing else is left.

 

[elfiii]

We are moving towards a single payer system because when the next thing doesn't work, nothing else is left.

Actually Hoot there are lots of options left but none of them involve government intervention so it's not likely any of them will be available until the whole thing comes crashing down which is going to happen in the next few years.