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My Health-care Rant

Posted by on Jan. 31, 2015 at 5:44 PM
  • 42 Replies

 

Poll

Question: Do you agree that we shouldn't be penalized for not having health insurance?

Options:

Yes! It's ridiculous!!

I think it's fair


Only group members can vote in this poll.

Total Votes: 42

View Results

With the ways things are going with this health care crap, everyone is better off living with like 2 or more families to one house just to save money! The cheapest I can find for my family with the best benefits would cost an average of $200 per month per person ($400 total) plus a $1000 deductible. Which is good in some ways but also bad in some ways.
Where I live it's based on tourism. There are only part time jobs unless you have a degree to be a doctor, lawyer, business etc. They also offer many services for low income families with no health insurance, which I think it's great especially for this area because it is so much cheaper overall for any kind of medical care for low income families. I AM in the process of getting my degree, but I'm still in the very early stages unfortunately and cannot get a better paying job anytime soon.
Currently, we are considered low income, so paying $400/month or more would leave us with hardly anything left over to save after paying rent, lights, water, car insurance, gas, food, bills and basic essentials like toiletries. Sure, they offer a premium tax credit, but that's only taking from next year's taxes to pay the premium, which in turn I'll either get back the difference or have to pay back to the IRS.
If I chose not to get insurance, the penalty is whatever is greater: 1 percent of total income or $100 per person for 2014. But, the percentage/payout amount jumps up almost 3 times that per person in 2015 & even higher for 2016!!
So, they're forcing me to make the decision of whether or not I should pay for health insurance which would equal to about $4500 a year, or not have insurance and pay the penalty that rises about 3 times higher every year?

Everyone hates it, it's extremely expensive, and the penalties are absurd.

I miss the way things used to be. But I have to keep saying to myself, like one of you on CM likes to say in response to people ranting over things they cannot change, "Suck it up buttercup."
by on Jan. 31, 2015 at 5:44 PM
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Replies (1-10):
myperfect4inok
by Gold Member on Jan. 31, 2015 at 5:51 PM
1 mom liked this
Our health insurance currently cost $525 a month. That's with our employer paying $864 a month for the 6 of us with a $6250 deductible per person max of $12,600 a year.

It would be less for us to take the penalty but i can't imagine not having health insurance
Anonymous
by Anonymous 1 on Jan. 31, 2015 at 5:53 PM
1 mom liked this

Yes the way things used to be...where people simply could NOT get insurance at all? Where losing your job meant no insurance at all?

OP what state are you in anyhow? Because I think you are wrong about something.

Anonymous
by Anonymous 2 on Jan. 31, 2015 at 5:55 PM
1 mom liked this
We have always had good health care. We pay a few hundred a month for Dh and I with a $1000 hospital deductible, $30 doctor copay and $50 specialist copay.

With the new laws mine and dad dsd birth control is covered. I'm on the pull, she's on the patch. Also it allows us to continue to carry our children after the age of 18.
StoicLife
by Katerina on Jan. 31, 2015 at 5:58 PM
1 mom liked this
There is something terribly wrong with the new Affordable Care Act. More people are hurt by it then helped by it.
LAXmom21
by Ruby Member on Jan. 31, 2015 at 6:01 PM
I still pay about $1600 for 4 people with a $5000 deductible and 80% coverage after that.
Posted on CafeMom Mobile
Nillababe
by FaithHopeLove on Jan. 31, 2015 at 6:04 PM
I'm in Tennessee & I was referring "Used to be" as in health-care now being a law required to follow or facing a penalty. I get that there are positive and negative sides of it, but the penalties & premiums are just ridiculous. I did the best research possible to find affordable insurance that I'm eligible for and these were my best overall results.

Quoting Anonymous 1:

Yes the way things used to be...where people simply could NOT get insurance at all? Where losing your job meant no insurance at all?


OP what state are you in anyhow? Because I think you are wrong about something.

Carmel63
by Gold Member on Jan. 31, 2015 at 6:05 PM

Yes, also where hospitals did not get paid, and the state, otherwise known as taxpayers, had the pick up the cost of unpaid bills for the uninsured.

Op, yes, you should have to pay the fee so that you will be paying SOMETHING into the system you will eventually be using.

Quoting Anonymous 1:

Yes the way things used to be...where people simply could NOT get insurance at all? Where losing your job meant no insurance at all?

OP what state are you in anyhow? Because I think you are wrong about something.


Carmel63
by Gold Member on Jan. 31, 2015 at 6:07 PM

There have been studies that show otherwise.

Quoting StoicLife: There is something terribly wrong with the new Affordable Care Act. More people are hurt by it then helped by it.


Anonymous
by Anonymous 1 on Jan. 31, 2015 at 6:08 PM

 

Quoting Nillababe: I'm in Tennessee & I was referring "Used to be" as in health-care now being a law required to follow or facing a penalty. I get that there are positive and negative sides of it, but the penalties & premiums are just ridiculous. I did the best research possible to find affordable insurance that I'm eligible for and these were my best overall results.
Quoting Anonymous 1:

Yes the way things used to be...where people simply could NOT get insurance at all? Where losing your job meant no insurance at all?

OP what state are you in anyhow? Because I think you are wrong about something.

Um your state doesn't HAVE the ACA. It never added in the Medicaid component-so you will NOT be fined.

Now in MY state-which did roll it out-if you are a family of 3..you would be covered by Medicaid with an income of  39,777. All three of you for free.

Now if you lived in MY state, would you have a problem with the law? 

 

Anonymous
by Anonymous 1 on Jan. 31, 2015 at 6:10 PM

 

Quoting Carmel63:

Yes, also where hospitals did not get paid, and the state, otherwise known as taxpayers, had the pick up the cost of unpaid bills for the uninsured.

Op, yes, you should have to pay the fee so that you will be paying SOMETHING into the system you will eventually be using.

Quoting Anonymous 1:

Yes the way things used to be...where people simply could NOT get insurance at all? Where losing your job meant no insurance at all?

OP what state are you in anyhow? Because I think you are wrong about something.

 

 She will have no fine.  Op have you incured any hospitial or medical bills since being uncovered? And how long have you NOT had insurance?

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