2022 Health insurance vent

trekrok

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I must say, I hate going through this health insurance crap every year about as much as doing taxes.

I'm self employed and have a family of 4. The cheapest plan on the site this year is $1344/month, from a 'Friday Health Plans', whoever that is. For that sum, you get an $8700 individual deductible and $8700 max out of pocket per individual. Family deductible and max is $17400. It pays basically nothing until the deductible is met. No primary care visits (except for immunizations apparently), no specialists, no x-rays, no labs, no outpatient, no prescriptions, no ER. Nothing until you've met the deductibles. So, it's basically a catastrophic plan for $16,188 per year in premium.

Want the Cadillac? Blue Cross has the Gold PPO for only $2785/month. It has a $1650 deductible and family out of pocket of $17400. But it steps up with a $950 copay for ER then 40% coinsurance after deductible, generic drugs are PAID, Primary care doc is $60 and specialist doc is 40% coinsurance after deductible. How awesome is that, and it only costs $33,420 per year in premiums.

Are they literally trying to stamp out self-employed? I find myself in no-mans land. I historically have made more than what would qualify for their subsidies, but not enough that $16k per year for CRAP coverage really works for me.

I seriously wonder if the family would be better off if I just folded up and got a job. Or try to scale business to a point where I could max out on the government subsidies, like they apparently want people to do. Whole thing is disgusting and frustrating.

Vent over. Can't say I feel much better.
 

MilitantBEEMER

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Have you looked into Medishare?
I have no personal experience, however I have met people who do and love it. (I believe there are other similar programs out there as well)
 

beardking

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That's why I've always been glad that my wife stayed employed while I was running my own business, just for the insurance. I've taken a full time job now, but it actually worked out that her insurance was better for us even with my employer paying my part of the insurance.
 

tiasman

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Same here OP. It’s ********. We have not had health insurance for 6 years now on the family. Thank God we are/have been healthy and paying for the occasional doctors visits for antibiotics and stuff is not that expensive, nor are teeth cleanings.

The American people are getting scammed on healthcare. The only people happy with the system are:

1. The few left with decent premiums via workplace plans.
2. Those wealthy enough to not care all that much.
3. The very young that have not been hit yet.
4. Insurance execs and lobbyists.
 

harley128

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Same here OP. It’s ********. We have not had health insurance for 6 years now on the family. Thank God we are/have been healthy and paying for the occasional doctors visits for antibiotics and stuff is not that expensive, nor are teeth cleanings.

The American people are getting scammed on healthcare. The only people happy with the system are:

1. The few left with decent premiums via workplace plans.
2. Those wealthy enough to not care all that much.
3. The very young that have not been hit yet.
4. Insurance execs and lobbyists.
Wow! Definitely a risky move. Hope it works out in your favor.
 

RickN

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If you have any employees look into the Oklahoma small business plan. I forget the name but we had it with only 2 employees.
 

tiasman

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Wow! Definitely a risky move. Hope it works out in your favor.
I’m not paying $20k a year premiums for a $15k deductible. Yes, that’s the best plan i can get as a self employed American.

it’s nonsense. Pay $20k for the privilege of $15k deductible then still get to pay 20% after that? We are being bamboozled In the USA on healthcare!
 

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