quote:

Originally posted by chellim1:
Self insure?
Check into "concierge medicine".
There are doctors who are fed up with the insurance companies too.

Do you keep a few hundred thousand in an account in case of a serious accident/illness?

I'd be 100% fine with true catastrophic insurance with a high deductible and low premiums. Unfortunately, we are paying for full coverage that is really catastrophic due to high deductibles.

I am extremely fortunate in that my premiums remain manageable and I'm only seeing about a 7% increase. I have a close friend, however, who runs his own business and will jump from around $1100/month to $1900/month in 2018.

I'm dealing with this also. It's a major clusterfuck.

A lot of the companies are dropping out.

quote:

Originally posted by MNSIG:
I'd be 100% fine with true catastrophic insurance with a high deductible and low premiums.

Same here. That's how insurance is supposed to work. But it's not working. It's broken, by government interference.

If the OP is paying 3K/month + subject to a $5750 deductible, he could truly shop for a cash doctor and put the 42K in a health savings account.

quote:

Originally posted by chellim1:If the OP is paying 3K/month + subject to a $5750 deductible, he could truly shop for a cash doctor and put the 42K in a health savings account.

No question. IF we could get government regulation out of it, would there be an insurance company that would offer catastrophic policies? Maybe, but I think they may have become to accustomed to taking their slice of every single dollar passing through the entire system to give it up willingly. Now, that may be different if you REALLY got regulation out of it so that new companies could offer different options.

Well every talk radio host in the country was telling us about the Planned O Care sticker shock. The Kenyon knew when the full rath was upon us he'd be long gone....
There is a whole network of cash practices out there at bargain rates also looking to Medicare and similar cost sharing plans out there, heard good thing about them.

Well, back before government regulation reached its current state of utter inanity, I had a catastrophic care policy that cost me a whopping $150 a month. The price didn't rise substantially until OCare became a thing. I can only assume that insurance companies would therefore offer such policies again if we could get government regulations out of the way.

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a cash doctor and put the 42K in a health savings account.

I am not sure you qualify for an HSA without an accompanying HDLP policy.

quote:

Originally posted by chellim1:

quote:

Originally posted by MNSIG:
I'd be 100% fine with true catastrophic insurance with a high deductible and low premiums.

Same here. That's how insurance is supposed to work. But it's not working. It's broken, by government interference.

If the OP is paying 3K/month + subject to a $5750 deductible, he could truly shop for a cash doctor and put the 42K in a health savings account.

I like the sound of that but if we were to have a serious illness or injury we need to have insurance so we don't get wiped out financially.
This policy is really a catastrophic policy with very high deductible and maximum out of pocket that they market and price as a Cadillac type plan. The rate then as bronze, silver, gold and platinum and this is silver, the second lowest price.
Five years ago, if you told me I would be faced with a 35K+ per year policy, I wouldn't have believed the politicians could screw things up this much.

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I wouldn't have believed the politicians could screw things up this much.

You don't have enough faith in them.

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Originally posted by 220-9er:

We only have one option where I live here in Georgia, Alliant. My present SOLOCare Silver, $5750 deductible for my wife and me is now $2989.57 per month.

Jesus.

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Originally posted by dgshooter:
Originally, Obama and the democrats were to blame. Senate Republicans own it now. Shame on them.

Put the blame where it belongs. Justice John Roberts put the key in the ignition and started this fucking monster.

Good lord that is absolutely ridiculous!

That 0bama is an absolute joke ... how was he given 8 years to completely wreck America?!?!

For my family of 3, our premium is going from $1678/mo to $2940/mo. That is a 75+% increase. Thanks OdumboCare.

quote:

Originally posted by 220-9er:
... What is everybody else, that doesn't have employer provided benefits doing?

I can't afford it so I don't have insurance. When I need medicine or a doctor visit or surgery, I pay for it. If I can't afford something that can save my life then I'll die. I don't know what else to do.

Our small business plan thru Aetna is increasing the premiums for three employees by >50% to $5700/mo. This is not sustainable.

My county has only 1 insurer on the exchange, and the plans for my wife and I got truly crazy - add in the insane deductibles and it was just a bad deal.

We switched to a short term medical plan with National General. It has its disadvantages but the coverage is pretty good and the cost is significantly less than the Obamacare plans.

quote:

My present SOLOCare Silver, $5750 deductible for my wife and me is now $2989.57 per month.

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For my family of 3, our premium is going from $1678/mo to $2940/mo. That is a 75+% increase. Thanks OdumboCare.

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Our small business plan thru Aetna is increasing the premiums for three employees by >50% to $5700/mo. This is not sustainable.

Stories like this are tragic and examples of absolute failure of government policies. The fact that congress and the senate have not ripped this out out by the root, like they all promised, is a tragic failure on their part. Hopefully this dies soon, before it kills everything it touches. Is an expensive experiment to waste our money on, only to prove it is a failure.

I could not imagine what you guys are paying! What 220-9er is paying per month is more than my mortgage payment, my car payment, my wife's car payment, my electric bill, my water bill and my cable bill. That is friggin ridiculous. If you had to use it, you still have a long way to get to that deductible. Who are these people that think this is a good thing. My dad worked until he was 73 to keep my mom insured but he had insurance through his company and it was nothing le that. As tough as it was to keep re-upping and not being lured out, I am so fortunate that retired military insurance is affordable.

Insurance has got crazy here in TN as well. Everyone backed out of individual plans leaving just Obamacare for self employed. I will be paying $700/mo for a $14k deductible for me and my daughter. Before Obamacare I was paying closer to $150 a month for a $2500 deductible. Hope this BS is fixed soon.