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.
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.