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Old 10-17-2018, 06:21 AM   #181
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Originally Posted by steveark View Post
I pay $1309 per month for my wife and I for catastrophic only coverage, but I think that's affordable.
"affordable" is a subjective term based on one's income. What is affordable for you, may not be affordable for your neighbor.
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Old 10-17-2018, 06:22 AM   #182
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Originally Posted by pb4uski View Post
Where does it say that? I would like to read about it. And what specifically are these alleged rights that every human being on the planet are entitled to? And if someone infringes on one of these rights, what recourse does one have?

Additionally, if every human being has these rights then they transend international boundaries... a human being in China or Mexico or Russia or the US would have the same "human" rights.... would they not?
pb seems to be reading the constitution, someone else is interpreting the constitution to fit his/her beliefs.
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Old 10-17-2018, 06:23 AM   #183
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Originally Posted by steveark View Post
I pay $1309 per month for my wife and I for catastrophic only coverage, but I think that's affordable.
Quote:
Originally Posted by bingybear View Post
do you live in a state where catastrophic plans or not rated by age? I looked at them one year and found bronze plans were basically the same cost.
Bingy.... I suspect not as I live in one of the two states (NY, VT) that prohibit age rating and we only pay $500/month for catastrophic coverage... a bronze level plan would be ~$1,000/month for a couple.
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Old 10-17-2018, 06:25 AM   #184
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Originally Posted by VanWinkle View Post
"affordable" is a subjective term based on one's income. What is affordable for you, may not be affordable for your neighbor.
We have been using the ACA since 2015. Here are our costs 2 people silver $0 deductible, $2250 MOOP, $5 / $25 doc/Specialist Copays, these have not changed, docs and Specs are the same too. Living in NE Florida does have some advantages.

2015 - $250pm

2016 - $145pm

2017 - $0pm

2018 - $0pm
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Old 10-17-2018, 06:25 AM   #185
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"affordable" is a subjective term based on one's income. What is affordable for you, may not be affordable for your neighbor.
And that is why we have subsidies.
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Maybe...
Old 10-17-2018, 06:45 AM   #186
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Maybe...

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multiple personality disorder?
Somewhat, but I've paid in dearly to Medicare and want it back. I also didn't have a choice there.
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Old 10-17-2018, 06:57 AM   #187
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Originally Posted by ShokWaveRider View Post
We have been using the ACA since 2015. Here are our costs 2 people silver $0 deductible, $2250 MOOP, $5 / $25 doc/Specialist Copays, these have not changed, docs and Specs are the same too. Living in NE Florida does have some advantages.

2015 - $250pm

2016 - $145pm

2017 - $0pm

2018 - $0pm
My comment was not addressing the ACA, just the fact that each person's definition of affordable will be different.
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Old 10-17-2018, 06:58 AM   #188
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Originally Posted by pb4uski View Post
And that is why we have subsidies.

My comment was not addressing the ACA, just the fact that each person's definition of affordable will be different.
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Old 10-17-2018, 08:16 AM   #189
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Somewhat, but I've paid in dearly to Medicare and want it back. I also didn't have a choice there.
Yes you did. You could have left the country then. Like all those brave immigrants who come here looking for a better life I'm sure there was one out there somewhere. But I guess you figured if you stayed it was a net plus, maybe...? That's exactly what happened. Exactly
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Old 10-17-2018, 08:28 AM   #190
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Somewhat, but I've paid in dearly to Medicare and want it back. I also didn't have a choice there.
You forgot to add... and I resent it.

You can see exactly how much you paid into Medicare on page 3 of your Social Security Statement. Mine was a little over $1,500 a year from when I graduated college until when I retired.
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Old 10-17-2018, 09:36 PM   #191
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You forgot to add... and I resent it.

You can see exactly how much you paid into Medicare on page 3 of your Social Security Statement. Mine was a little over $1,500 a year from when I graduated college until when I retired.
And if you encounter typical “maturing” illnesses the $1,500 a year will turn out to be a bargain.
I have a neighbor that complained, ALL THE TIME, about the Medicare payments he made when he worked. He is an out of shape smoker and since hitting 65 Medicare has paid for his knee replacement, his type 2 diabetes and heart surgery and he still thinks he got taken!!!
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Old 10-17-2018, 09:48 PM   #192
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Caskem, as others have pointed out it is ironic you want the government to stay out of healthcare but are counting the days until you are eligible for Medicare/government healthcare

Not sure what you feel is a reasonable premium but if you are not subsidized then it seems like you have to go with full price O’Care (with premiums set by the insurance companies, they are not set by the govt) or maybe work 6 more months and then pay 1 1/2 years of Cobra utilizing the company insurance you currently like.
I recently retired , and am almost four years from Medicare and have experienced the high cost you reference (make too much from investments, but not a ton , to qualify for subsidies). Although the cost is a bummer my attitude is “why should other tax payers subsidize my insurance just because I want to quit working?”

Bottom line, if the cost is worth it for you to tell your employer to “stick it” then go ahead and enjoy an early retirement. Otherwise, you have 2 more years to go.
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Old 10-18-2018, 09:41 AM   #193
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To answer the OPs original question, if you can afford the HI, wherever it comes from, you can RE. If you can’t afford the HI, then you can’t RE. Everything else is just noise. It is what it is and will be whatever it will be. We can complain, moan, crab, etc. about how unfair it is, how we should or should not have to pay or how much that should be. But, in the end, it’s all your choice and you have to live within the health care system that currently exists. Or may or may not exist next year. Good luck with that.
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Old 10-19-2018, 12:29 PM   #194
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Here in central NJ, I have an acquaintance who was on Medicaid but made too much this year so was told to buy regular health insurance. She's 62.

I helped her find a plan where she is paying $32.60/month with $200 deductible on an estimated annual income of $18K.
She had breast surgery last year.
Yet she still mumbles about health insurance being "too high".
SHEESH. Really? ? ?


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Old 10-20-2018, 10:19 AM   #195
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Met a woman while hiking. She quit a well paid position with ho hum benefits to take a mediocre teaching job with fat benefits. Took a $9 an hour paycut and abandoned professional degree related employment. Because the benefits were worth more than the pay. Reminded me of the perverse incentives that led to the "baby-mama" phenomenon with welfare. Change the system, change the incentives, or get used to the consequences.
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Old 10-20-2018, 10:48 AM   #196
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Met a woman while hiking. She quit a well paid position with ho hum benefits to take a mediocre teaching job with fat benefits. Took a $9 an hour paycut and abandoned professional degree related employment. Because the benefits were worth more than the pay. Reminded me of the perverse incentives that led to the "baby-mama" phenomenon with welfare. Change the system, change the incentives, or get used to the consequences.
I have always had ho hum benefits or at least I thought they were.
Did not pay too much attention to be honest.

What are the awesome benefits she is getting with her teaching job?

I like some sort of reference for the future.


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Old 10-20-2018, 11:03 AM   #197
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They gave her free healthcare and free retirement. As in virtually no co-pays or contributions. I was shocked since I have never even heard of this kind of offer. But she walked away from degreed nursing to small town teaching.


Just talking while walking so I did not pry deeply, no way to corroborate or verify. Just dumbfounded listening. She did not seem concerned with how well funded the pension was, may not have checked.
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Old 10-20-2018, 11:24 AM   #198
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They gave her free healthcare and free retirement. As in virtually no co-pays or contributions. I was shocked since I have never even heard of this kind of offer. But she walked away from degreed nursing to small town teaching.


Just talking while walking so I did not pry deeply, no way to corroborate or verify. Just dumbfounded listening. She did not seem concerned with how well funded the pension was, may not have checked.
Your taxpayer money at work no need to be dumbfounded. Nursing is darn hard work. More better bennies, easier work, less stress yes that does add up to a cash paycut, as it should.
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Old 10-20-2018, 12:40 PM   #199
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Your taxpayer money at work no need to be dumbfounded. Nursing is darn hard work. More better bennies, easier work, less stress yes that does add up to a cash paycut, as it should.
Aren't retirement benefits contingent on years of service?
If this person is making the switch at 50 she may not get in the years she needs.

Hard to know if it is "better" without knowing in-depth the $.
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Old 10-21-2018, 09:14 AM   #200
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Interesting thread. I read it through, because I've just learned my employer will no longer be providing HC insurance for part-timers (which I am). I researched the HC insurance rates through various websites and came up with $1000/month and ~ $6000 deductibles, which was a bit of sticker shock. I had expected maybe 8K/yr (that's what my employer pays), not 12K/yr. for a worse plan.

Oh well. Unlike the OP, this is more incentive for me to quit my job. I was already feeling very tired and bored with it. One of the reasons I stuck around was because free HC coverage is a nice benefit. But with that gone, there is one less reason to stay. I was already planning on quitting in 10 months. This just moves that date up a little.

I don't like the additional costs, but I appreciate what others have said about ACA allowing people with pre-existing conditions to get HC insurance. I went through a medical crisis a few years ago that I'm sure would've meant denial of coverage, pre-ACA. I also appreciate that they can't raise your rates or boot you off the plan, if you get sick. That helps me to accept the prices.
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