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What have you Yters got for affordable health insurance??

J

JD Seller

Well-known Member
Well Thanks to the Affordable Health Care Act, the current policy I have had for years is now gone. It was just a major medical plan with a 10K deductible. I do not need insurance for a hang nail like many want. I just want it there if I have a major health problem. My old policy was to disappear last December but they got an extension for 12 months.


We where paying $860 per month. This includes my wife's Medicare wrap around coverage. The cheapest I can find now is over $1600 per month. I have priced Farm Bureau, Wellmark, Travelers, and several others. My wife's wrap around is the main issue.

I really wish the Federal Government would quit "helping" as it always costs me MONEY!!!!!

So it looks like I am on the hook for another $10K each year for what I had last year. Also we DON"T have any inflation either if you ask the Federal bean counters.

LIERS AND THEIVES the whole bunch of them!!!!

SO have any of you found affordable health care without any Federal help??? I make just enough to not be able to get any help on premiums.

I guess I am one of the EVIL rich guys that are oppressing all the POOR masses. Sure wish someone had told me I am rich as I would have lived differently.

I guess I am going to have to go broke like many neighbors have around me. They transfer and hide what they have with their family. I personally know two different guys that owned multiple farms and are on the government dole while their kids still own the farms. The kids never bought them either so ZERO taxes. So they scammed the Government both ways.
 
It has been my observation in the past thirty years of my sixty four years of life, is that if your not a crook the govt. will make you one. { I am a slow learner} on the insurance thing, have you checked into AARP?
 
I am on disability.I am also one of those stuck in the middle. I make to much for medicaid and not enough to get a subsidy.Cheapest thing I can find is 596.00 a month with a 6000.00 deductible.Which I can't afford.Have Medicare part A can't afford part B.Live in a small county with only one plan that covers it. At least that is what I have been told by the ones I have contacted.

Now thanks to external_linkcare. In my county and the one next to it. We have lost three clinics,a home health care agency and now the local hospital has annouced it is closing.All due to the new regulations and lower repayments for service
 
Yes Animal: I checked with AARP and their rates where not too bad but the coverage was not very good in this area. I would have to drive to Cedar Rapids for the closest Doctors that honor their policy. That is forty miles.
 
My humble advice is pray you and her live to 65. We have learned to love our government healthcare. Even though I know down deep, I should be against it! You know the saying. Money talks Bullshite walks.
 
I am only 58. But I am still working full time, along with the farm. I will be doing it for at least 10 more years. Until my wife qualifies for medicare. Just for that reason. All to get the health insurance. Gary
 
JD, I am with tg in VA, here, There is No such Thing! Since the Libs Pushed this POS legislation through The entire thing is a big S.N.A.F.U. !!!
I am a 21 Yr. INS. Agent here in Texas that is my observation!
Later,
John A.
 
Like many farmers; I got a city job just for the insurance.
I guess I could have done like some farmers and sent my wife to get a city job for the insurance; but I do not believe in day care raising my kids so we opted for the stay at home mom and me working the city job.
 
The flip side.
My brother is 62, worked 30 years at one job, retired from that job, then worked full time at another.
Wife is under his policy, his policy had a cap on it to the amount it would pay out.
His wife has recurring cancer.
Now under the new law, he won't be wiped out financially. Even he hates the new law, but admits
it saved him from losing his life savings.
 
My health insurance I have was started by Ike & Nixon in 1959, but it didn't become available until 1960 when Kennedy was elected president. You could switch from different plans during the open season. We had Blue Cross/Blue Shield for years and it was withheld from my wages every two
weeks until I retired in 1989. I've had Kaiser Permanente for the last 20 years and the government kicks in $900.00 and I pay about $430.00 per month. Yearly physicals are free, co-pay on eye exams cost $10.00. Eye surgery it's $50.00. I was with the VA for awhile, but
I still had to keep Kaiser for my wife. If I pass on before her she can keep Kaiser or select
another carrier. Hal
 
JD, My wife had to find ins. last year. She used e-insurance. Filled out the form and they called her within 2 hours. Discussed what she needed. She checked with her dr. about what they take. She got a what she needs for less than $200.00 a mouth. She is in her 50's. She did this before the law took place. David
 
I currently have a company policy which is dirt cheap and for retirement have a locked in monthly company paid subsidy of $20.00 per year of service up to a maximum of 35 years so I will get a $700.00 per month subsidy. This benefit was a big surprise when it was announced several years ago and you had to have a certain number of years senority at that time to qualify which I was fortunate enough to have. As to your neighbors, I don't begrudge anyone using the corrupt tax system against itself to protect their own property and if they were able to transfer their farms tax free then more power to them, but why anybody wants to live on government hand outs and dole is beyond any understanding I have. The US federal tax structure and collection procedure is nothing but strong arm extortion and theft.
 
Im with aarp, but dont approve of there magazine bragging up external_linkcare, because they are suppose to be for our best interest for seniors , but they sell health ins. So they make money on it.
 
I work for Wal Mart and I now have to work 30 or more hours a week or insurance is no longer available for me through work. Since most of the people employed by Wal Mart are part time and don't get 30 hours, That's a lot of people that they don't have to have insurance available to them. I have my insurance through my wife's employer
 
Don't understand why your wife's medicare wraparound would be a problem. If she's on Medicare, she should just get her own Medicare Advantage plan, and you be on your own. Medicare premium is $104 per month, my Medicare Advantage is $35, and I don't think I've paid anything yet for medical- supposed to have a $40 co-pay, but when I went to the dermatologist, they even paid that.

I do have to pay some for prescriptions- the last one was a whopping $4.27!
 
(quoted from post at 08:46:25 01/01/15) Well Thanks to the Affordable Health Care Act, the current policy I have had for years is now gone. It was just a major medical plan with a 10K deductible. I do not need insurance for a hang nail like many want. I just want it there if I have a major health problem. My old policy was to disappear last December but they got an extension for 12 months.


We where paying $860 per month. This includes my wife's Medicare wrap around coverage. The cheapest I can find now is over $1600 per month. I have priced Farm Bureau, Wellmark, Travelers, and several others. My wife's wrap around is the main issue.



I really wish the Federal Government would quit "helping" as it always costs me MONEY!!!!!

So it looks like I am on the hook for another $10K each year for what I had last year. Also we DON"T have any inflation either if you ask the Federal bean counters.

LIERS AND THEIVES the whole bunch of them!!!!

SO have any of you found affordable health care without any Federal help??? I make just enough to not be able to get any help on premiums.

I guess I am one of the EVIL rich guys that are oppressing all the POOR masses. Sure wish someone had told me I am rich as I would have lived differently.

I guess I am going to have to go broke like many neighbors have around me. They transfer and hide what they have with their family. I personally know two different guys that owned multiple farms and are on the government dole while their kids still own the farms. The kids never bought them either so ZERO taxes. So they scammed the Government both ways.
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We have Farm Bureau with a $5000 deductible. Premium is a little over $1000 per month. As a whole Farm Bureau has paid out much more than we have paid them in premiums but we have used our insurance more than some families have.
 
My wife and I are both on medicare and pay about $750.00 total for the both of us a month. That includes our Medicare parts A & B, our supplemental to the Medicare A&B ( Blue Cross Blue Shield - F plan with no deductable) and our RX part D plan ( Silver/Script Plus Plan with no deductable). It seams like a lot of money but I have been in Hospital several times and bills were over $40,ooo.oo and I didn't have to pay a cent it was all covered.
 
Mine has gone now up over 150.00 per month just to pay the taxes so the non working dead beats can have insurance. Just a redistributation of wealth??? yea right where are they going to get ins when the rest of us cant afford to pay the taxes the insurance co's are forced to charge us.
 
My wife works in town and so far they pay her part and I can be added for $400 a month for $6000 deductible. Before all this crap started we had Humana for $360 a month and $2500 deductible and a $15 doctor copay. Now if we go to the doctor it's all on us. When my wife retires in 2 years I probably won't be able to keep the insurance because of the price. At that time I'll probably just pay the fine and if I go to the doctor I'll pay out of my hip pocket. If anything bad happens I guess I'll just die. I refuse to loose everything my family has worked for for the last 100+ years to pay for insurance that is basically worthless anyway.
 
My daughter is a medical lab tech and works in a hospital. She is part time although she's trying to get on full time. As of today her health insurance premiums go up 400 dollars a month for her and my grand daughter. As a part timer that would eat her entire pay check. Both are in good health. Her husband drives OTR and has his own health insurance provided free from his employer. If my SIL were to add my daughter and grand daughter it's 900 a month. So they are at a point where they have to drop insurance on the 2 of them. And yes they make too much to qualify for subsidies.

So I'm not too impressed. Wife and I have both Tricare (retired Army) and for me VA. So my only observations are from the outside looking in.

Rick
 
(quoted from post at 13:33:26 01/01/15) Mine has gone now up over 150.00 per month just to pay the taxes so the non working dead beats can have insurance. Just a redistributation of wealth??? yea right where are they going to get ins when the rest of us cant afford to pay the taxes the insurance co's are forced to charge us.
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Last numbers I seen by a financial analyst Jim Rickards who was selling precious metal and Euro's was predicting a US dollar collapse. He was quoting 23% of the US population on government support.
 
I have United Health care no cost except the $104 they hold out of Social security for part B
$10 copay for Drs. once a year free physical. They have a fair dental policy if you want for $37 a month.
 
Does your local country have a department of aging? I know not everyplace has one, but in my county (Sedgwick county Kansas) we can just go to the extension office and see the lady who runs the aging department. For Medicare wrap around she has software that will pour out a dozen or so plans to choose from and they all include the pricing information so we can make the best choice considering age and basic health condition. So far they have helped my friends save hundreds of dollars, and she will be helping me in 18 months when I turn 65. Your state may offer some help, too.
 
They were outnumbered. The nnalert had enough votes to pass it to "see what"s in it". And the nnalert have been fighting it ever since with more than 30 bills to overturn it. Where have you been?
 
The nnalert were in the minority in 2009 and all they could do was vote against the bill, which they did, that is not to say they are blameless because they have voted to fund implenmentation of the law because they are scared of being accused of causing a government shut down. Anyone who works for a living and takes care of himself and his family and pays his bills and his taxes has no representation in Washington d.c., regardless of what state he lives in or what party he votes for. If you are a responsible citizen you are nothing but an ATM for politicians who need to steal your money to buy votes from the dependent majority so they can stay in power.
 
To me the worst part of external_linkcare is that they set a legal precedent whereby the gov can require you to buy something from a private, for-profit corporation.
I don't recall the constitution giving congress the ability to require citizens to engage in commmerce.
 
I am posting again at the top because I think you all should know my feelings about our Healthcare...If all these nnalert and nnalert which equates into horses's a$$es spent the money and time to improve our healthcare and services that they have arguing about it, we would enjoy the best healthcare in the world! Instead they are lining their pockets with pak funds and lobbyist money!
 
My youngest son sold "Farmers" for a while and I was amazed at how much $ the local agency keeps of the sale of health-care policy's and premiums. I understand an agent's "concerns."
 
LAA They are both in nursing homes. The care is not much difference between government and private other than the cost.

I just think it is crooked for them to have transferred millions of dollars of assets to avoid paying for their own care.
 
I've got the same plan I've had for the last 5 years. And plan on keeping it. If I could afford much of a monthly payment I sure wouldn't be driving junk!
Guy I was in school with had to get a new policy this year. Old one got cancelled because it was an employer policy and all employees were family.
Look at it this way JD, at least you'll be covered if you ever get yourself pregnant!
 
Health care is a mess. I am fortunate having worked for the State of Texas for almost 35 years and (also had a farrier service on the side)have access to a good group plan. BUT that being said, from the time my wife was diagnosed with breast cancer until she passed away recently our deductible expenses were never under $9,000 to as high as $45,000 including home health care. Who contributes more to politicians, the health care industry of us? $$$$$ talk.
 
JD, Being retired, I have Medicare parts A and B (104 per month) and CareFirst for supplemental. Zero dollars per month, zero copay for dr's visits and zero dollars for maintenance prescriptions, (ie blood pressure) I pay 5 dollars for my arthritis meds. The drawback is, you have to go to the hospital they dictate or it can get expensive. ER visits are zero if you go to the appointed hospital, or 150 if you go to some other hospital.
 
I'm about 50 and still work full time and have"ok" health insurance. Let's just say I don't want to get real sick because it will be extremely expensive or simply a death sentence. Most of the people I work with or know right now are "getting by" but not knocking down a fortune. I'm slightly worried about health care but terrified about trying to keep working for 15 more years. My job is wearing me out. And even if I make it to the medicare or social security threshold there wont be enough coming in to pay the part b and all the ridiculous property taxes around here. The ONLY people I know around here that are truly prospering are retired with a state,county,city or big three auto co pension and insurance plans. They are far exceeding the people that are still working every day. With disappearance of the traditional pension plans this country is going to be doomed with poverty. 401k plans are laughable at best. I know, I have one and would trade it for a defined plan in two seconds if given the chance.
 
Chuck, I take it you're a retired state worker to have zero co pays and $104 a month on the A&B. You have to thank JD seller for his $1600 a month contribution so that can happen for you.
 
I don't understand those med. advantage plans, before I retired I talked to a woman at the Senior Center and she said I'd be better off with a plan F supplement, long line of heart atts. in the family plus a year ago I had a rt arm going numb from bad disks in my neck. My plan F is $135. a mo. supposed to pay for what medicare doesn't, however I know guys older than me with advantage plans that think there great. My prescription plan is 12.60/ mo./ $310. ded. then 5 prescriptions are free and the hi priced one is $19. a month.
 
Never worked for the government (except the 4 years I was in the Navy.:)) The 104 is for Part B Medicare. Like was suggested, JD should consult with an insurance broker. Of course, it's all moot unless he's retired.
 
Look at all the ships, munitions, side arms, vehicles, planes, that were built in the approximate 3 years of US involvement in WW2. And today in 3 years we can't even get a working website built.
 
(quoted from post at 11:46:25 01/01/15) Well Thanks to the Affordable Health Care Act, the current policy I have had for years is now gone. It was just a major medical plan with a 10K deductible. I do not need insurance for a hang nail like many want. I just want it there if I have a major health problem. My old policy was to disappear last December but they got an extension for 12 months.


We where paying $860 per month. This includes my wife's Medicare wrap around coverage. The cheapest I can find now is over $1600 per month. I have priced Farm Bureau, Wellmark, Travelers, and several others. My wife's wrap around is the main issue.

I really wish the Federal Government would quit "helping" as it always costs me MONEY!!!!!

So it looks like I am on the hook for another $10K each year for what I had last year. Also we DON"T have any inflation either if you ask the Federal bean counters.

LIERS AND THEIVES the whole bunch of them!!!!

SO have any of you found affordable health care without any Federal help??? I make just enough to not be able to get any help on premiums.

I guess I am one of the EVIL rich guys that are oppressing all the POOR masses. Sure wish someone had told me I am rich as I would have lived differently.

I guess I am going to have to go broke like many neighbors have around me. They transfer and hide what they have with their family. I personally know two different guys that owned multiple farms and are on the government dole while their kids still own the farms. The kids never bought them either so ZERO taxes. So they scammed the Government both ways.
Click to expand...

So only corporations can play those types of games to get govt money or avoid taxes?
 
I'm afraid if we had to do that today we would lose the war. As for the Alaskan Highway being built so quick forget it today. By the time the war was over, we would still be trying to count all the engineered animals. Stan
 
I live in Ontario and I have OHIP which is Ontario Hospital Insurance plan. I have a carrier for this and some extra coverage , for my wife and I, we pay $232 month which also includes drugs,one yearly visit to eye doc and one pair of glasses every two years. Don't let all the nay sayers crap at this , we get doctor care immediately,just call and book a time ,usually that day. Emergency takes you in at the hospital anytime. We do have wait periods for such things as knee replacement/hip replacement/elective surgery.....but I don't lose my house or farm because of a two week hospital stay,it doesn't cost thousands a year for me either. Keep in mind that Ontarians pay sales tax on most purchases that goes to health care and there are other taxes but I have affordable health care and have absolutely no complaints about it!
 
Guys, I am Independent Insurance Agent.
In July of 1993 I got my Temporary Tx Ins License.
In Sept of 1993 I got my Permanent Tx License #!
In July of 2000 I Walked Away from a 200 person Book of Health Ins Biz!
It was a volatile book of Biz back then, I can't Imagine what it would have been now! People were always looking for the best deal and who would give the best rate for the longest time... First Yr Rate Guarantee! Then it was on average Rewrite your entire book of biz every 18 months!! After 3 rewrites just to get them Cheap premiums most didn't care if the coverage was questionable or not just cheap monthly premiums. I Decided to not be a part of it any longer,
So I concentrated on regular Life, & Annuities
In spite of the problems the old System had and there were areas that sure could use improvement! It was still the Best health care on the face of the Planet! Bar None!
But this Crap we have now! There are rules and Regs that have not surfaced Yet and when they do! Y'all better hold on to your Hat and your Pocket book!!! For You ain't Seen nothing Yet! it will get worse, this POS has to be Defended!
This POS system makes the old system look great. The BAD Agents we had in the old system, or Current! are the least of your worries.
*
I Do NOT Understand ....
Visit with a man and his wife. Do your Due Diligence to find a policy that meets their needs and pocket-book. and then the SOB get hung up on, wants to know my commission schedule, Ect, Ect! He get twisted!
So I ask about the Sales reps that sold them their Home, Cadillac Cars, Fancy pickup, Boat, Refrigerator , Washer dryer,Ect, Ect..( these sales reps Have no State Licensing requirements, little to no background checks or similar requirements)!
...So what make ME the Lowest SOB on the Face of the Planet????!
*
I don't tell Y'all this just to hear My Head Rattle! A lot of the Guys here think more of a Snake Oil Salesman than a heavily regulated Ins Agent who has to have 40 Hrs of Continuing Education (CE hrs) every 2 yrs for the first 20 Yrs of uninterrupted licensing from my State of Texas! My Observation!
Later,
John A,
 
My wife and I lost coverage through ATT end of 2014. They had a group to help all of us to find a plan to fit us. We went with AARP United Healthcare plan F. About $340 a month for both of us and it pays deductible and co pays. Other than the premium on other out of pocket. Now this is a Medicare supplement plan so it is a lot cheaper than one for somebody too young for Medicare. We had to get a part D plan for medicine but a $20 plan is what we got. We don't take but 1 prescription so we ought to be ok there. They say external_link didn't have anything to do with it, but we were fine until he came along. Tommy
 
18250 per year 10000 deductible so far.external_link care was a higher rate.
 
Mr external_link promised "If you like your plan you can keep your plan" and a family would save $2500 per year under external_linkcare"

SURELY HE DIDNT LIE !!!!!!!!!!!!!!!!!!!!!

Read em and weep folks, external_linkcare is here and you have to pay for free health care for illegal aliens and those who don't work........Sad but true

John T
 
My best answer is just hurry up and retire and get on Medicare.

I know the world is reading this but that's ok.

First off, Medicare contracts with medical suppliers to perform tasks at a price they (Medicare) are willing to pay. The provider agrees to supply the services for that price and are contractually required to accept the Medicare approved payment and not come to the patient for any more money.

This may sound like a ripoff to the supplier, but when you are in the cancer center and every single person sitting and waiting for treatment is grey headed, had the center rejected Medicare, the lobby would be empty. Volume makes up the difference and besides, the facilities probably use the difference in their price and the Medicare price as a loss on their income taxes.....so at that rate these corporations pay zero taxes.......marketing ploy.

This is your first plus which I will address later. Medicare pays 80% of it's approved amount. You are responsible for the remaining 20%. Supplement policies come in to play here provided by Aetna, United Health Care, or other providers for a fee.

In 2013 I had terminal cancer. My retail bill for chemotherapy treatment was listed at $150k. They solved my problem. My out of pocket cash was the deductible of my supplemental policy, plus premiums.

Well on the premiums, I spent 36 years with my employer and they paid them so I don't know what they would have been on the open market. My deductible for that policy was $1750 out of pocket cash.

So for roughly $100 per month in Medicare insurance payments (which I would have had to pay anyway), and supplemental insurance, I got a $150k New Life for $1200 in Medicare insurance for the year and $1750 in supplemental deductible.

So hope this helps. Everybody has a different situation.

The Affordable Care Act has had zero impact on any of my health premiums including the drug insurance which is with Texas Blue Cross Blue Shield, Blue Medicare RX.

If you aren't eligible for Medicare, I don't know what to tell you.

Good luck,
Mark
 
I have Medicare for $104 per month, a Blue Cross Supplement for $140 per month, and the VA as a safety net under it all.
 
The 2 years before I retired my Ins at work for wife and me went from about $75. a week to $214 a week/ office manager said Ins. companies were scared of external_link care.
 
37, BCBS, $1500 deductible, going to around $250 per month this year including dental (I have a "thing" in my sinus that the dentist xrays/monitors yearly with a 360 degree xray, office visit plus that xray is covered, which that alone makes up for the extra that dental costs, 20% coinsurance on other procedures). Drugs are covered after deductible. 0% coinsurance.

I was paying over $300 before external_link with a lower deductible, before that kicked in I switched to this lower plan. It is an "old style" HSA plan, grandfathered in for now.
 
If they don't loose your records. I have been using the VA. Up until last year.Called about an appointment that I had waited four months for. Suddenly they had no record of me. Gave them the number from my VA card. That I got in 1973. No good according to them.
 
(quoted from post at 08:46:25 01/01/15) Well Thanks to the Affordable Health Care Act, the current policy I have had for years is now gone. It was just a major medical plan with a 10K deductible. I do not need insurance for a hang nail like many want. I just want it there if I have a major health problem. My old policy was to disappear last December but they got an extension for 12 months.


We where paying $860 per month. This includes my wife's Medicare wrap around coverage. The cheapest I can find now is over $1600 per month. I have priced Farm Bureau, Wellmark, Travelers, and several others. My wife's wrap around is the main issue.

I really wish the Federal Government would quit "helping" as it always costs me MONEY!!!!!

So it looks like I am on the hook for another $10K each year for what I had last year. Also we DON"T have any inflation either if you ask the Federal bean counters.

LIERS AND THEIVES the whole bunch of them!!!!

SO have any of you found affordable health care without any Federal help??? I make just enough to not be able to get any help on premiums.

I guess I am one of the EVIL rich guys that are oppressing all the POOR masses. Sure wish someone had told me I am rich as I would have lived differently.

I guess I am going to have to go broke like many neighbors have around me. They transfer and hide what they have with their family. I personally know two different guys that owned multiple farms and are on the government dole while their kids still own the farms. The kids never bought them either so ZERO taxes. So they scammed the Government both ways.
Click to expand...

But JD, transferring the farms to the kids is legal if done the right way, so basically the government makes crooks out of people I guess.
 
(quoted from post at 08:46:25 01/01/15) Well Thanks to the Affordable Health Care Act, the current policy I have had for years is now gone. It was just a major medical plan with a 10K deductible. I do not need insurance for a hang nail like many want. I just want it there if I have a major health problem. My old policy was to disappear last December but they got an extension for 12 months.


We where paying $860 per month. This includes my wife's Medicare wrap around coverage. The cheapest I can find now is over $1600 per month. I have priced Farm Bureau, Wellmark, Travelers, and several others. My wife's wrap around is the main issue.

I really wish the Federal Government would quit "helping" as it always costs me MONEY!!!!!

So it looks like I am on the hook for another $10K each year for what I had last year. Also we DON"T have any inflation either if you ask the Federal bean counters.

LIERS AND THEIVES the whole bunch of them!!!!

SO have any of you found affordable health care without any Federal help??? I make just enough to not be able to get any help on premiums.

I guess I am one of the EVIL rich guys that are oppressing all the POOR masses. Sure wish someone had told me I am rich as I would have lived differently.

I guess I am going to have to go broke like many neighbors have around me. They transfer and hide what they have with their family. I personally know two different guys that owned multiple farms and are on the government dole while their kids still own the farms. The kids never bought them either so ZERO taxes. So they scammed the Government both ways.
Click to expand...

But JD, transferring the farms to the kids is legal if done the right way, so basically the government makes crooks out of people I guess.
 
Before the Affordable Care Act my premiums kept going up & up and benefits kept getting reduced. I was able to go to the Marketplace and found a much better policy.
 
(quoted from post at 18:52:24 01/01/15) Bravo John A,but where were the nnalert when the government rammed this bitter "pill" down our collective throats?
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In the minority, and with external_link still in office he will veto every effort to change it. Remember this when you vote in 2016.
 
Keep in mind that AARP was one of the biggest supporters of external_linkcare. For that reason, I will have NOTHING to do with them. Just another bunch of abundant goofballs.
 
Wife and I get our health insurance thru her employer (university). Pretty good PPO, our docs are all in network. Costs us $450/month. I think the university contribution is $800+/month, IIRC. I could get it through my employer but since it's a lot smaller, plans aren't as good and cost is higher. In 2.5 yrs, wife will turn 65 (I'll be 67) and we hope to retire and then do the Medicare thing, with supplemental and Part D. I'm figuring about 300-$500/month for the both of us to be pretty fully covered, based on numbers I see today.

I do think that some people (individuals mostly) have obtained "affordable health care" who couldn't get it before. However, many others have seen their insurance skyrocket, plans cancelled and small companies are finding their policy premiums are doubling and tripling in some cases.

As for external_link, I think the "you ain't seen nothing yet" comment is pretty accurate. Once the health care industry adjusts to the new rules and all those parasites who will be getting subsidized by you and me start using the system, there won't be enough doctors and hospital beds to go around. I know of two doctors who are going to retire early rather than deal with it.
 
Wife and I get our health insurance thru her employer (university). Pretty good PPO, our docs are all in network. Costs us $450/month. I think the university contribution is $800+/month, IIRC. I could get it through my employer but since it's a lot smaller, plans aren't as good and cost is higher. In 2.5 yrs, wife will turn 65 (I'll be 67) and we hope to retire and then do the Medicare thing, with supplemental and Part D. I'm figuring about 300-$500/month for the both of us to be pretty fully covered, based on numbers I see today.

I do think that some people (individuals mostly) have obtained "affordable health care" who couldn't get it before. However, many others have seen their insurance skyrocket, plans cancelled and small companies are finding their policy premiums are doubling and tripling in some cases.

As for external_link, I think the "you ain't seen nothing yet" comment is pretty accurate. Once the health care industry adjusts to the new rules and all those parasites who will be getting subsidized by you and me start using the system, there won't be enough doctors and hospital beds to go around. I know of two doctors who are going to retire early rather than deal with it.
 
One of the reasons the VA health system is such a mess is that Congress took a system set up to serve wounded vets, and retired vets, and included "everyone" who served no matter where or how long. How would you like it if all the schoolteachers in the U.S. could get free lifetime unlimited medical care at taxpayer expense, after teaching two years. Yet we have "vets" who served two years in a posh base in Germany, perhaps working in the library, getting lifetime medical care from the VA.
 
That is pretty easy to fix just by getting hold to the D.A.V. branch in your area and they will help submit all the paper work you need to get you back n the system. Yep the V.A. does tend to mess things up a lot. Also a simple DD214 will get you in the system also
 
Know what you mean. My wife checked on insurance for her self. With our income they said it would cost over $500 per month which is around 1/3 of what we get every month so how is that affordable??
Got to love what is called the affordable care act should e called the unaffordable care act
 
Ya back in 2003 my dad give the kids most of his land due to the fact he was starting to get sick. He did it just in case he had to go to a home that way the gov could not take the land from him to pay for his care
 
Thank you all for replying. I am not old enough for Medicare. My wife is on it since she is on SS disability. Her farther died at 47 from the same issues. She is 47 now. I love her with all my heart but the odds are she will never see 60.

Many of you are talking about wrap around policies that must be state sponsored. They are not available to her.

We had a SS case worker tell us point blank that the best thing we could do to make my wife eligible for less costly heath care was to get divorced. YES DIVORCED!!!! That way my wife's income would allow her to get all the government free bees.

I am not a rich man by any description. I have just worked and saved my whole life.

I do not think paying 25% of my after tax income for HEALTH care coverage is in anyway AFFORDABLE!!!! This does not even conceder any co-pays I will have to pay.
 
Did all that back in November. Still waiting on the word from them. But I shouldn't have to reapply to get back in a system. I have been in for forty years.
 
I am very lucky. I have health care through my wife's employer. We pay $110.00 a month with dental and eyecare. $1,500.00 deductable ($750 each). Blood pressure and colestrol meds are free. Co-pay is $20.00 Primary care and $30.00 specialist.
I will turn 65 this year so I will be on Medicare but will still be covered by my wife's insurance. She has 8 years until she turns 65.
 
Join the club JD. My deductable went to $3875. today, plus higher premiums. Since external_link-Care went into effect every medicine I'm taking except one has doubled to tripled in price. My wife works in a pharmacy. One particular drug that was on the $4 list (and it's a high usage drug. there are a LOT of people using it) now costs almost $200 above and beyond what the insurance companies pay on it. The erectile dysfunction drugs have all tripled in price in the last two years. We haven't begun to see the worst of this yet, either.
 
What am I going to do I'm 40 will be losing my health insurance when my wife and I divorce my brother doesn't have any health insurance either as were both self-employed he's 37 I was looking at my records from tonight three of my top paying customers, Not to mention a few other good paying customers, i dideht add on, over the last seven years paid me $241,000 and I don't have much to show for it and I don't blow my money foolishly i pay my mortgage, taxes ect, My newest vehicle is a 2000 Ford F250, i live nicely but nothing extravagant. As someone else said you don't get anything in less you don't work the people who work get nothing, but $crewed.
 
(quoted from post at 19:48:33 01/01/15) What am I going to do I'm 40 will be losing my health insurance when my wife and I divorce my brother doesn't have any health insurance either as were both self-employed he's 37 I was looking at my records from tonight three of my top paying customers, Not to mention a few other good paying customers, i dideht add on, over the last seven years paid me $241,000 and I don't have much to show for it and I don't blow my money foolishly i pay my mortgage, taxes ect, My newest vehicle is a 2000 Ford F250, i live nicely but nothing extravagant. As someone else said you don't get anything in less you don't work the people who work get nothing, but $crewed.
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Check out your state's health care exchange...they go by your adjusted gross income to determine subsidies. We did this year and were pleasantly surprised.
 
You are 100% correct but these days parasites are portrayed as ''victims'' and as such, are deemed deserving of unlimited tax payer largesse. The vast majority of people on SSI are just plain lazy, too sorry to work was the way they used to be described, as opposed to the majority on welfare who are both stupid and lazy, both groups would get another gear if the freebies ended tomorrow.
 
Jay check out NASE National Association of Self Employed. Membership is minimal and you can get health insurance at a group rate. Also has other benefits.
 
(quoted from post at 14:14:51 01/01/15) I work for Wal Mart and I now have to work 30 or more hours a week or insurance is no longer available for me through work. Since most of the people employed by Wal Mart are part time and don't get 30 hours, That's a lot of people that they don't have to have insurance available to them. I have my insurance through my wife's employer
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Those are the people the ACA was supposed to take care of. They were the ones (for the most part) believing external_link was going to give them FREE healthcare. They were the ones believing "If you like your plan, you can keep it." Same for it saving the average family $2500.00 a year.

The day people stop believing every politician that promises them a handout of "FREE" stuff will be the day we can start rebuilding this country.

FWIW, both my daughter and SIL have worked for Wally World here in NY, both qualified for what amounts to Medicaid at small cost. Now they would have to pay a lot more if they worked for Walmart. As it is my SIL is looking at about $280 a week out of an $8-900.00 check! That's some real help from the socialists.
 
(quoted from post at 23:48:33 01/01/15) What am I going to do I'm 40 will be losing my health insurance when my wife and I divorce my brother doesn't have any health insurance either as were both self-employed he's 37 I was looking at my records from tonight three of my top paying customers, Not to mention a few other good paying customers, i dideht add on, over the last seven years paid me $241,000 and I don't have much to show for it and I don't blow my money foolishly i pay my mortgage, taxes ect, My newest vehicle is a 2000 Ford F250, i live nicely but nothing extravagant. As someone else said you don't get anything in less you don't work the people who work get nothing, but $crewed.
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Jay, you and I live in the highest taxed state there is. Both of us would be better off following the mass exit from NYS.
 
My premiums went from 190.00 a month to 340.00 overnight. Thats four grand a year for a 6300.00 deductible plan. I am checking out and am just gonna pay the penalty this year, so I am on Gods good humor . Affordable my A#s !!
 
My farmer neighbor said he tried to get VA insurance but they turned him down because they said he made too much money.
Does anyone know what the story really is?
 
I one served then as per law he/she has the right to get V.A. care. Ya if you make over X amount of $$ you have to pay a co pay etc but still can be seen
 
Anyone who thinks that government getting involved in something will make it more affordable, had better start sharing some of whatever it is they are smoking.
 
(quoted from post at 11:41:08 01/02/15) My premiums went from 190.00 a month to 340.00 overnight. Thats four grand a year for a 6300.00 deductible plan. I am checking out and am just gonna pay the penalty this year, so I am on Gods good humor . Affordable my A#s !!
Click to expand...

The provision in the law for the penalty tax states that if not paid it can only be collected from your tax refund. If you don't have enough deducted during the year to pay it they can't come after any thing else you own to collect the tax. That doesn't mean you won't continue to owe it and there will probably be penalties and interest added.
 
my health care through v.a but had sever people i know happy with A.C.A lowered the insurance cost.. now i live in ky with kynect. seem that one thing ky did right
 
Partially. VA means tested my Dad, served in Korea, has too many assets so they won't pay for hearing aids, dentures, some meds, etc. We pulled him out of the VA system.
Those government employees are apathetic and just flat don't care. Final straw was when we couldn't find Dad in the hospital. I had dropped him off in am and went back after lunch. No record of him being admitted. I was there and helped him get admitted. System caught up with him the next day and I "found" him.
 
We don't have affordable health care and can't seem to find any.
Wife and I are 52 and premiums went up to $1145./mo. It's a grandfathered plan with 5k deductible. ACA plan costs about the same but with a 6k deductible.

We are financially conservative, don't have much debt other than mortgage. Health care is our single biggest payment that will never go away.
 
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