Thumbs Down
#1
Account Closed
Thread Starter
Joined: Jan 2006
Posts: 0
Re: Thumbs Down
To the government who sets tuition too high to pay out of pocket and then refuses to provide financial aid, total pricks the government is.
#2
I have a comma problem
Joined: Feb 2009
Location: Fox Lake, IL (from Carrickfergus NI)
Posts: 49,598
Re: Thumbs Down
Agreed.
#3
Re: Thumbs Down
To paying for Health Insurance every month and then a deductible and then a co-pay and then have it reset on January 1st with worse coverage for a bigger premium....every....bloody....year....
#4
Re: Thumbs Down
You do know there is a market place for health insurance and you don't have to stick with the old one. Many plans even though they are high deductible do not even touch the deductible for most routine visits.
#5
Re: Thumbs Down
I shop mine every year at renewal time when the 20% premium increase comes in. Every year (for the last 7 or 8) I have renewed with the same plan because the market alternatives are worse. Now at 830/month for 5 of us on a 12k deductible. I'm on a grandfathered pre-ACA plan but going to lose that next (?) year and be forced on to an exchange plan, which was about 25% higher again when I looked this year.
#6
Banned
Joined: Jul 2015
Location: California
Posts: 81
Re: Thumbs Down
That's a weird one, she's not our only chance for a female president, just the current one.
So Obamacare has not helped you at all?
#7
Re: Thumbs Down
We are very low users so normally don't even reach the deductible so the insurance never seems to kick in, other than of course providing us with the 'negotiated rates'. Just spent $870 on an MRI of my shoulder so am still in pi$$ed off mode
Now if I add on home insurance of around $3,000 p.a. (includes hurricane insurance) and car insurance which has just doubled by adding on The Dude (age 16) it seems like all we are paying for is insurance.
I try to look on the bright side of 'Well that means we can afford insurance for all the nice things we have and health insurance so an accident won't bankrupt us'.
Then I swing to 'OMG we don't have enough insurance, we should have umbrella insurance for our insurance and more liability insurance in case someone decides to sue us'.
Then I remember there are people out there with no insurance and wonder how they sleep at night
#8
I have a comma problem
Joined: Feb 2009
Location: Fox Lake, IL (from Carrickfergus NI)
Posts: 49,598
#9
Banned
Joined: Jul 2015
Location: California
Posts: 81
Re: Thumbs Down
Unfortunately, in this day and age, that is not a bad plan for a family of 3.
Last edited by Maud Araminta; Jul 10th 2015 at 5:53 pm.
#10
Re: Thumbs Down
You are therefore a perfect example of a family that would benefit from switching to high deductible insurance. We're paying about $150/mth for insurance (family of three, employer policies), and have already salted away enough tax free money in a Health Savings Account to pay the maximum deductible for four or more years if we needed to.
#11
Re: Thumbs Down
You are therefore a perfect example of a family that would benefit from switching to high deductible insurance. We're paying about $150/mth for insurance (family of three, employer policies), and have already salted away enough tax free money in a Health Savings Account to pay the maximum deductible for four or more years if we needed to.
#12
Account Closed
Joined: Oct 2003
Posts: 0
Re: Thumbs Down
This is hubby's high deductible plan, the other plan is a higher monthly premium with lesser deductible/co-pay. They do stick $500 in our Health Savings Plan each year as long as we have an annual check up and we have just been letting that accumulate, plus we have our emergency medical stash 'just in case' we ever have to pay out that annual out of pocket max!
#13
Re: Thumbs Down
This is hubby's high deductible plan, the other plan is a higher monthly premium with lesser deductible/co-pay. They do stick $500 in our Health Savings Plan each year as long as we have an annual check up and we have just been letting that accumulate, plus we have our emergency medical stash 'just in case' we ever have to pay out that annual out of pocket max!
Are you contributing to the HSA yourselves? That is where your "emergency medical stash" should be ...... In 015 you can contribute $5,300 IIRC tax free (like 401k contributions) to an HSA.
#14
Re: Thumbs Down
In 015 you can contribute $5,300 IIRC tax free (like 401k contributions) to an HSA.