Buying Health Insurance - Infuriating

[electronman1729]

Long story short.

My wife lost her job, she had both of us covered with health insurance through her employer which was a good plan.
I work as a contractor through my company so I don't get any benefits.

I looked at plans online and my god this is infuriating. The cheapest plans is more than what were paying through her employer and the plans for sale don't even cover you for anything.

How is it that people believe that government will take care of health care when it just royally screw you.

[Irving]

The cheapest we found is Obamacare for around $450 a month for three people. Next is the CHM for $450 a month for the best coverage. I think currently we're with Cigna for $710 a month for three people.

Since your wife lost her job, you can get temporary coverage which is mostly the same as a full plan. We had temp coverage for 11 months and including having Aflac it was only $250ish a month. Temp will get you the coverage that you need and time to wade through all that BS.

[electronman1729]

The cheapest we found is Obamacare for around $450 a month for three people. Next is the CHM for $450 a month for the best coverage. I think currently we're with Cigna for $710 a month for three people.

Since your wife lost her job, you can get temporary coverage which is mostly the same as a full plan. We had temp coverage for 11 months and including having Aflac it was only $250ish a month. Temp will get you the coverage that you need and time to wade through all that BS.

Unfortunately the cobra rate was horrendous. It was over $1000 a month.
There is nothing like wasting your money down the drain.

[Irving]

I wasn't talking about Cobra when I mentioned a temp plan. My wife is the one who got to handle all that stuff, so I can't be more helpful right now.

[CS1983]

Check out Christian Healthcare Ministries (CHM) which Irving mentioned. It's what we have. Maxes at 450/month per family. 150/month per person, so if just you and the wife would be 300. That's the Gold plan, which is the highest.

Make sure to opt in to the brother's keeper plan for catastrophic.

It's what my wife and son have. I don't qualify cus I dip, and that ain't Christian ( don't tell Pope St. Pius X, who was a habitual user of snuff lol).

if you decide to go with them, let me know so we can get referral credit. Will split the referral with you.

http://www.chministries.org/

[Irving]

Did I already ask you if CHM covers dental as well?

[Irving]

My wife wanted to go without insurance like foxtrot said, or keep the temp insurance and take the penalty every year. Would have saved us thousands of dollars every year.

[kidicarus13]

Would have saved us thousands of dollars every year.

...unless...

The reason why most of us have insurance.

[Irving]

...unless...

The reason why most of us have insurance.

Well, I believe the only issue was that pre-existing (none of us have) and long term disease was not covered. I felt that in the event of one of use coming down with multi-year treatment cancer, we'd just pony up for a policy that is approved by the US gov at that point, since companies can no longer deny you for pre-existing. I'm under the impression that the temp insurance was adequate for what we wanted, but didn't pass the minimum threshold for what the government requires before they declare that you aren't insured and fine you.

The reason we didn't go that route was because my parents were throwing a fit about it.

[Great-Kazoo]

Stop paying your policy now. IF one gets seriously sick you can sign up on line that day or two. The worst that happens if you don't have ins is the irs penalizes you next year.

Figure out monthly payment Plus deductible. If you believe you're going to spend more than that, keep it. if not, don't.

yes it's shitty advice but really if you can't afford it, you can't afford it.


Your spouse should apply separately, it's what mine did. She's stuck with kaiser and pays $125 mth. They base it off what you think you'll make. if the spouse doesn't believe she'll have an income great. If she does once again, they'll get you next year.
SO. decide what's best for you and run with it.

You could get a catastrophic policy. Well that C&P'd well, didn't it

http://connectforhealthco.com/wp-con...heet_FINAL.pdf



Catastrophic (CYA) Health Plans in Colorado Fact Sheet
What is a CYA (catastrophic) health plan?
o
A catastrophic health plan (also known as a Colorado Young Adult or
“CYA” plan) is generally for individuals between the ages of 18 and 29.
CYA plans typically have a high deductible and lower premium, and
are designed to protect you in a high-
cost emerge
ncy.
o
While
CYA
Plan
s are
generally for individuals between the ages of 18
and 29, it is also available
to certain older individuals who qualify for an
exemption based on a hardship
or
because coverage is unaffordable
based on expected annual household
incom
e. For
individuals age 30
or above who have received an exemption certificate number
(exemption code)
, the CYA plan provides a low
er monthly premium
.
o
It is important to know that advance premium tax credits and cost
-
sharing reductions
can not
be used with CYA Plans to reduce costs.