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I think if you lived in an area where you saw total shitbag people taking advantage on a regular basis while you were having your ass aired out by your state's govt. and barely scraping by you'd feel differently.
I would be all for universal healthcare if it were for everyone, but it isn't. It's for poor people and since nobody wants to tax rich people fairly anymore the middle class gets fucked twice. Once for their premium, and again when that number grows to cover others who aren't required to do ANYTHING EVER by the govt. So where is my motivation to do well in school, work hard, etc. if I could just get high all day and have the govt take care of me once I fire out a few brats? It's rooted in morals, and those are quickly taking a backseat to the draw of having one's hand out and getting a damn good life just handed over to you.
I just checked, and I am indeed paying $759.00 each month, and that's with a goddam $2k deductible.
So yeah, I'm sticking with "We're 100% fucked" until my premium goes down. I know it sounds great when it goes through but trust me, once the insurance companies get their hand in it all the rules designed to keep it fair will be circumvented and the greed factor takes over completely, which it will. Industry has no conscience. We the sheeple of the communistwealth of Massachusetts could probably tell you a lot about what's going to happen in the next few years but since it doesn't matter anyways, I'll save my carpel tunnell. We are all fucked.
I'd like JUST FOR ONCE for some elected fucknose to make a play for the small business but it'll never happen since we don't have lobbyists working for us. It's just shitty to see it slipping away little by little, and the government just making it worse and worse.
more background, please?
Do you own your own company? I'm not going to ask you what you make, but is your income insanely high, or is this $750/month/person a realistic figure for middle class salaries? If you do not own your own company, do you pay $750/month for insurance that you went out and purchased, or is healthcare through your employer and the combined premium of what you/your employer pay for your insurance is $750?
I work for a family manufacturing business.
I do not make an insane amount of money by any means and no, I could never afford $759/mo for insurance. No freaking way.
It is an insurance policy paid for through my employer, but that I get money taken out of my paychecks for weekly. I end up paying about half of it out of pocket and that money is taken directly from my check.
So excuse the mess from my mind being blown, but this whole "Oh, it'll be $150/mo" bullshit can fucking suck it. That's a flat out lie.
ok. thanks. My policy is through my employer as well so I just wanted to see how similar your situation is to my own. Sounds like we're in similar boats. Let me check my paystub to see how much my premium currently is...
YTD: $6007.50, Dental: 842.16, Vision: 52.08
what I've paid: $288.72
so divide by approximately 6, since we're 6 months in and it looks like my monthly premiums are over $1100/month. I don't pay for nearly half, though, it looks like I pay about $50/month.
So yeah-- I'm actually a huge idiot when it comes to this stuff, because I couldn't have told you what my monthly premiums were to save my life prior to just looking.
So everyone keeps saying that people will be able to get insurance on their own for $100-$200/month. Where does this stat come from?
Insane, isn't it?
No way you get $1100 a month in coverage. No. Fucking. Way. And this is commonplace!!! How fucked is that?!?
It is so incredibly frustrating to me just to talk about it. The more I see, the more I hate this fucking shitbag country and it's special interest bullshit. The rich keep everything, the poor get everything and the middle class gets fucked over royally.
That number is a lie the people trying to feed you this shit sandwich are using so it sounds like it's a good idea. We got the same schpiel in Mass, trust me. The second that law goes through and you are required by penalty of law to have it, every insurance company will jack their rates simultaneously. Guaran-fucking-teed.
Nobody will do shit about it because everyone in a position to do something is getting paid not to.
Insurance is the biggest scam going- they literally make more money by overcharging you for their services then denying care whenever possible. Wow, what a great business model. It's the very picture of charity, right? Now the government will hold you down while their partners fuck you. I'll tell you, Canada is looking better every goddam day.
I wish this applied to my ife in any way shape or form.
Ok, well I make more than 45k, so if it weren't for my current employer, I would be entirely unsubsidized? This would be about $350/month according to the calculator, but the calculator gives you 70% coverage. For my current policy I'd have to pay the full $1100/month-- or more if the rates go up like Huck_Norris predicts.
I'll believe it when I see it in case you missed the part when I said Mass is the prototype for this movement AND IT DID THE OPPOSITE OF WHAT THEY SAID IT WOULD once it was implemented so you'll have to excuse my skepticism.
It got crazy affordable- and I do mean free- to people withinin the poverty threshold, everyone else got fisted in the ass dry.
If it does somehow drop though, jesus tittyfucking christ I'll be blown away. BLOWN AWAY I TELL YOU. So yeah, I've already been fed that lie once and fell for it. I've been paying out the nose ever since. I'll reserve my excitement over savings when they come and not one goddam second earlier.
I was talking about what I'd have to pay if insurance wasn't provided by my employer.
Type into that calculator a 55 year old single adult making 47k without employer coverage...and see what it spits out.
So how am I getting charged almost 20% of my yearly income on insurance???
I am so lost right now.
I guess on the bright side, even if it ends up as fucked up as I'm fearing it will, I'll only be where I already am.
but if you can't find insurance that is less than 8% of income and you want to have health insurance (kind of a necessity)-- you will be paying whatever it is they want to charge you, correct? What about people who are ready to retire but not yet eligible for medicare? Aren't these people, like my parents, just getting anal raped? Is this the donut hole that I read something about? Supposedly it will be resolved by 2020, but what about between now and 2020. Mom and Dad get screwed?
"This thread is going to explode like Tanner Hall's ankles."
-Henry Elich
let me once again state that I know nothing about this. So correct me if I'm wrong.
But...ok...so I currently have health insurance. My employee covers most of the premiums, however, if health care premiums rise-- as Huck_Norris stated they did in Mass., well, my employer will likely pass that extra cost onto me--seeing as though the employee can apparently be made responsible for up to 9.5% of their income in premium costs, and I'm not paying nearly 9.5% now.
However-- even if this happens, I'm in a union so there will be extra protection toward keeping this increase reasonable. If you're not in a union, you'll likely be subject to whatever increase there may be in premiums.
Another however...although Huck_Norris predicts an increase in premiums, apparently this isn't the goal and isn't what is predicted will happen-- they say premiums will decrease. We will see.
9.5% would be a huge increase to my monthly expense. If premiums really rose to the point that my employer pushed the full 9.5% burden onto me, my monthly expense would go from about $50 to $500+/month
