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kongols
12/22/2015 1:49pm
12/22/2015 1:49pm
Edited Date/Time
1/5/2016 3:07pm
I think Putin is getting ready for revolution.
They are passing some really weird laws lately. The last one is that police or KGB or whoever will be allowed to use firearms against large number of protesters or peaceful demonstrations.
They are passing some really weird laws lately. The last one is that police or KGB or whoever will be allowed to use firearms against large number of protesters or peaceful demonstrations.
The wife an I were looking over next years health insurance plan. We have to spend over $16,000 before the insurance starts picking up the tab on any procedures. $530/month premium + $9000 family deductible + 20% of cost between 9 an 12k.
Thats unreasonable isnt it?
The Shop
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deductible. the reality is that if they divide the deductible by 12 and then added it to the premium,
you're over $1,300 per month. Just go riding one less time per month, that should cover it.
TM
We might be better off to get divorced, that way we would each get our $4500 deductible but we would still pay the same premium.
My 60 year old self employed sister and brother in law? They pay $1200 per month for their premium(we're at $530) for that same plan with the same deductible and they have their 23 year old daughter whos getting a post graduate degree, on their plan. So as 60 year olds....the math makes my head spin, hold on....$1200 x 12 + $13,500 deductible = $27,900 out of pocket. I think thats right. Id call her up to ask her if that sounds right but they get so pissed off when the subject of Obamacare comes up that its just not worth ruining their day over.
Its always shocking when you sit down and do the math and realize this stuff. In fact it was so shocking this year that we tried to figure out if we qualify for a healthcare subsidy or not. I think we figured out the threshold for a subsidy is a household income of about $70-75k. At that $70,000 mark I think we figured we would get a tax credit of $85/ month. Woo hoo.
While I'm talking health insurance.....let me put out this public service announcement for others who do or might be buying their own health insurance plan. We just found this little nugget of info out. If there is any chance in hell that you think you might qualify for a healthcare subsidy...make sure to sign up for your health insurance through the governments website. If,like me you live in a state that has a state run website you will be directed to it to sign up for health insurance. When we were trying to figure out if we qualified for a healthcare subsidy for 2015, we found out that because we signed up for our insurance for 2015 directly through the insurer and not through Wahealthplanfinder.com, that even if we qualified we would not be able to get a rebate on our health insurance premiums. So we made sure and signed up through the governments website for 2016, just in case.
Another thing we did was sign up for an insurance plan that was HSA(Health savings account) eligible. An HSA is basically a bank account that you put money into to pay healthcare costs. The money you put into the account you do not pay taxes on. The annual limit for contributions to the HSA is $3225 per person or $6650 for the wife and I. Last year we maxed that out and this year we just put another $3500 into it. So again...doing that fun math... and placing myself in the 15% tax bracket and another 15% I'm paying for my social security tax, thats 30%.
So, over the past two years we put $10,150 into the HSA. $10,500 x 30% = $3045 in less tax we've paid by having an HSA account(approximatly)..
But if you want to know what its like to be self employed and buy your own plan, then read it,
My deductible is $0.00
That covers most health care except basic optometry, dental and drugs, but drugs are much, much cheaper here. Probably because our prime minister was never asinine enough to sign into a law a measure that prevented anybody from negotiating drug prices to lower than the drug companies asking price.
Think about that for a second. How bad did old Georgie W. Bush sell you guys down the river with that one? Imagine if Obama signed in to law that nobody could question or negotiate the price of a new vehicle. What kind of outrage would there be over that?
With this current generation that is in college? Their kids?
Will it ever end or will there never be an unturned rock which racism might be found under?
Pit Row
For your friend with the student in grad school, she should apply for her own policy. If she's filing her own taxes, she'd probably receive no cost insurance.
I don't care what they say, I want to see the whole thing implode.
It is just not fair, the price gouging that the drug, medical and insurance companies inflict on us.
941.00 a month, plus 40.00 for dental for me.
I'm seriously thinking about going rouge, pay the 675.00 one time penalty, and save the 10,000.00 in an account
set aside by myself at my local bank.
Fucking greedy thieves, with no moral compass, and we by law have to deal with them, it's just not right.
The sore throat I get once a year.
If I would have started this 2 years ago, there would already be 17 large in the account.
And before anyone says, well, what if you get a catastrophic illness, therein lies the rub.
No man should charge the kind of money that is charged for a life threatening issue that they do.
Slash the medical, fees, import the drugs from China, start churning out doctors from government schools,
put a 250,000.00 limit on malpractice awards with lawyers gettin a max of 2% fee, set up a no profit government fund
to fund the awards and get insurance companies the hell out of all of it.
Specifically the US, if we tax the 1% ers@ 100%, we dont even see a hesitation in our debt crisis.
We have a huge entitlement budget, a huge immigration quota,and all of it growing.
Look at the reaction in Europe with this modest refugee population increase.
Money runs out, then the machine turns. Dont see a bright future in that scenario.
I don't want anything Chinese. I think a single payer system is the way to go.
Maybe so.
All I know is there are too many foxes in the hen house.
As far as not wanting anything Chinese, that's cool.
In a life or death situation, when your insurance company denies a treatment, because of the cost,
but would do it if a generic med from overseas made it acceptable to them, I have a feeling you'd
change your tune pretty quick.
60 grand, just for a knee, half the price of a modest home.
Licensed thievery.
You'd beg for those cheap pills.
Tell me, the asshole that raised the price of a 60 year old pill from 10.00 to 750.00, and could do so because of the current laws backed by the drug makers was right with what he did.
I want to see you say it.
And yes, he may be a bit of an extreme example, just as a kid pissing his pants is, but that's a big part of the problem.
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