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The Water Cooler
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2022 Health insurance vent
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<blockquote data-quote="trekrok" data-source="post: 3686759" data-attributes="member: 6668"><p>I must say, I hate going through this health insurance crap every year about as much as doing taxes.</p><p></p><p>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.</p><p></p><p>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.</p><p></p><p>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. </p><p></p><p>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.</p><p></p><p>Vent over. Can't say I feel much better.</p></blockquote><p></p>
[QUOTE="trekrok, post: 3686759, member: 6668"] 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. [/QUOTE]
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