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Old Oct 27, 2016 | 03:15 PM
  #27041  
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Originally Posted by shuiend
Do they only have one plan? No HDP with an HSA, and then you max out HSA to cover the deductible?
No, only one plan. They do offer something...it's a little confusing, because the heading for the sections says "FSA", but the body of that section says "Health Savings Account" and "HSA". However, it also states a maximum contribution of $2550 per year, which is the limit for an FSA, not an HSA.
Old Oct 27, 2016 | 03:37 PM
  #27042  
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Originally Posted by asmasm
I'm self employed and have to buy my own coverage. For my family (spouse and one dependent) it is currently just over $700 a month for a bronze plan. Looks like next year is going to be substantially more. At this point it is tempting to manually set up a savings account and pay the penalty for not having insurance. The bronze coverage is so bad that if something awful did happen, we would still be screwed.
I'm self employed so in the same boat... Because of pre-existing condition I need to buy my insurance through the ACA while I can buy my wifes coverage in the private market.

For mine I pay $673 and yesterday got the notice it's going up to $712. Not a bad plan coverage wise if I was ever to get ill enough to need it but with premium + deductible...

For my wife I pay <$400 month.

At least the insurance cost is a deduction "above the line".
Old Oct 27, 2016 | 04:40 PM
  #27043  
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Where are the videos of Obama saying healthcare would be cheaper and you can keep the coverage you had? I swear, that guy's funnier than Chris Rock.

Mine just went up a little bit on the first of October. Our employer can't afford to match 401k contributions right now because he's trying to keep the healthcare costs in check.

Give me some good news.
Old Oct 27, 2016 | 04:52 PM
  #27044  
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Originally Posted by sixshooter
Give me some good news.
I just saved a bunch of money on my car insurance by switching to Geico.
Old Oct 27, 2016 | 04:56 PM
  #27045  
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I won't know how much mine is going up until next month during re-enrollment. Or especially if I switch companies.
Old Oct 27, 2016 | 04:58 PM
  #27046  
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Originally Posted by EO2K
Does someone have a template for this? Because I really need to make one of these for our office.
I do, actually.

It's stored on the work drive though. So i'll post it tomorrow.
Old Oct 27, 2016 | 05:09 PM
  #27047  
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Originally Posted by z31maniac
I won't know how much mine is going up until next month during re-enrollment. Or especially if I switch companies.
Our open enrollment hasn't started yet but typically if they are expecting a large increase they try to give us advance notice, so I'm not expecting a significant change.

EDIT: On the other hand, I did just get a request to record a CEO address tomorrow morning...
Old Oct 27, 2016 | 05:14 PM
  #27048  
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Amazon Prime finally screwed me. On the 25th I ordered 6 items I would really liked to have had before the weekend. All 6 items were Prime and they split it into 3 shipments. None of them are expected to arrive until Monday the 31st
Old Oct 27, 2016 | 05:53 PM
  #27049  
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Originally Posted by EO2K
Does someone have a template for this? Because I really need to make one of these for our office.
I may have just VPNd and found it. Let's see if this works.
Attached Files
File Type: xls
Single Point Lesson template.xls (760.0 KB, 186 views)
Old Oct 27, 2016 | 06:18 PM
  #27050  
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I've never looked at my company health care because under 26 but I just took a look.

Looks like for me, spouse, family would be <$200 a month for full coverage, $3500 max, $1200 deductible.

Just for me, $50 a month, $600 deductible.

Bunch of stuff that is copay only, not from deductible.

No ******* clue what any of this means...
Old Oct 27, 2016 | 06:40 PM
  #27051  
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Originally Posted by Erat
I may have just VPNd and found it. Let's see if this works.
YESSSSSS! I love downloading random .xls docs from the intertubes!

Thank you sir!
Old Oct 27, 2016 | 07:01 PM
  #27052  
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Originally Posted by EO2K
YESSSSSS! I love downloading random .xls docs from the intertubes!

Thank you sir!
My pleasure.

Be sure to share any emails and comments regarding the implementation of the coffee procedure.
Old Oct 27, 2016 | 07:04 PM
  #27053  
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Originally Posted by aidandj
I've never looked at my company health care because under 26 but I just took a look.

Looks like for me, spouse, family would be <$200 a month for full coverage, $3500 max, $1200 deductible.

Just for me, $50 a month, $600 deductible.

Bunch of stuff that is copay only, not from deductible.

No ******* clue what any of this means...
means enjoy what you have now cause you'll be bitter and crying about it later
Old Oct 27, 2016 | 07:10 PM
  #27054  
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Fingers crossed hailey's nursing job has badass insurance. I know my parents is pretty legit. No deductible, copay for everything.
Old Oct 27, 2016 | 07:36 PM
  #27055  
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Once I did an apples to apples comparison it was going to be an $18k drop in (post-benefits, pre-tax) salary.

I called tonight and turned them down like a bedspread. They were willing to negotiate up another $8k, maybe $10k if I pushed it, but it still wouldn't be close. We parted ways amicably.

Finishing my next certification middle of next month.
Old Oct 27, 2016 | 08:00 PM
  #27056  
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Seriously Aidan, that's phenomenal insurance. I pay more than double that and it's much much worse insurance (much higher deductibles).
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Old Oct 27, 2016 | 08:03 PM
  #27057  
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Who knows if it will last. I really have never looked into it.

My mom works for the state and has unbelievable benefits, so I never even really worried about it.

I also have a younger sister, so they are paying for "family" insurance anyways.

My dad just had a knee replacement. $10 copay.
Old Oct 27, 2016 | 08:03 PM
  #27058  
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I'm at $36/Mo with $1000 deductible for 80/20% $2500 maximum single insurance. I thought it sucked but I guess not. we'll see how bad it is when I renew on the 31st.
Old Oct 27, 2016 | 08:07 PM
  #27059  
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Originally Posted by Erat
I'm at $36/Mo with $1000 deductible for 80/20% $2500 maximum single insurance. I thought it sucked but I guess not. we'll see how bad it is when I renew on the 31st.
Single monthly was around there. Didn't really look at that. By the time I'm on my own insurance I'll be married.
Old Oct 27, 2016 | 08:17 PM
  #27060  
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Had to look mine up...

Single male, 39. $300 / mo with $800 deductible and $2,400 max out-of-pocket. Am currently seeing two docs and getting prescription muscle-relaxers, anti-inflammatories and intramuscular pain med injections after messing up my back a few weeks ago. Haven't paid a single penny for any of it, as I met my deductible and out-of-pocket during the emergency appendectomy incident earlier this year.

Of course, I have utterly no idea what the true cost of all of this is, since it's abstracted under the guise of an employer-sponsored policy. Meaning I'm actually paying for all of it, I just have no idea what "all of it" actually is, as it comes out of the company's general ledger well prior to payroll.

Which, of course, is the root cause of very nearly all that is wrong (fiscally) with the business of healthcare in the US today. But there's a different thread for that...



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