(Closed) Wow, really bummed about Obamacare plans…

posted 5 years ago in Wellness
Post # 3
1865 posts
Buzzing bee
  • Wedding: August 2012

It was like that for us too.  We both get insurance through the ministry we work for, but our premiums each month are $750.  Our deductible is $3,500.  It’s ridiculous! 

Post # 4
981 posts
Busy bee
  • Wedding: June 2012

@LVoeBride:  Does your FI’s employer cover domestic partners? You get taxed on the benefit because you aren’t married yet, but it would still be cheaper I bet.

Post # 5
10453 posts
Sugar Beekeeper
  • Wedding: February 2014

I’m not American, but I was just in Houston for work and talked to some Americans about this. It seems like everyone with good jobs is getting screwed over because now they have to pay for all the poor people who didn’t have health care before. It sucks! 

Post # 6
957 posts
Busy bee
  • Wedding: January 2014

@LVoeBride:  Because the website still stinks, there are plans in congress to remove the provisions that make your plan “not acceptable” so you may get to keep it for another year.

My sister is in the same boat as you. She stopped consulting and took a “regular” job with benefits because she couldn’t afford it anymore.

Post # 7
951 posts
Busy bee
  • Wedding: November 2012

Look into short-term health care plans. There are like five or six states (including NJ and NY *sigh*) that outlaw it for some dumb reason. If you’re not in one of those states, get a short-term plan that ends in 12 months. Then go on your husband’s plan.

Post # 8
308 posts
Helper bee
  • Wedding: September 2010

Thats how it was for my parent’s insurance (I was on their policy until the wedding)… And that is how our insurance is too… I think our deductable might be more than $3500. :/

Post # 9
957 posts
Busy bee
  • Wedding: January 2014

@KitKatNYC:  Some domestic partnership coverages have a clause for people who can legally get married in their state.

My old employer only considered you a domestic partner if you could NOT get legally married in your state of residence. My current employer let’s you sign the paperwork as long as it is a “marriage-like” relationship. (you plan to be together for life and live together)

Post # 11
3571 posts
Sugar bee
  • Wedding: June 2011

We are also self employed (well, we will be in the new year) and I’m dreading the costs. It’s going to be more than our rent. But we want to TTC so we have to get one of the higher level plans. I’m trying not to think about it right now because I’m frankly scared about the cost. We’re even probably going to do a homebirth, but I need good insurance just in case.

The thing is though, at least I CAN buy a plan with maternity coverage. The maternity coverage rules for individuals right now are totally insane. 

Luckily, Darling Husband will be back in school around the fall so we can drop it then and use his University plan. 

Post # 12
645 posts
Busy bee
  • Wedding: May 2010

My parents lost coverage because their insurance dropped their plan since it lacked maternity care. My mother is 58 and had a hysterectomy 18 years ago, she doesn’t need maternity care, but that meant they needed new coverage, they will pay more $ for less coverage.

Post # 13
920 posts
Busy bee
  • Wedding: April 2014

I was really dissappointed too when I saw the rates. I am self employed, and my insurance premiums will double, copays triple, and deductible is outrageous.

I wish it was designed a little more fairly, I understand paying more because i make more money, but now insurance is unattainable until I am married.

Post # 14
3572 posts
Sugar bee
  • Wedding: September 2011

I am a huge Obama supporter, and I am also very disappointed.  My mom who is 64 needs insurance.  She makes 2K over the amount to get any assistance, and the cheapest plan on the exchange for her is $760 a month.  

@Pinkmoon:  everyone should be able to get health care, even “poor” people.   Healthcare in the US is a for profit business, and that’s not the way it should be.  THAT is the problem, not poor people.  I have a real problem with people talking crap about poor people, and they are not the reason the prices are high.  The insurance companies are the reason the prices are high.  

Post # 16
3210 posts
Sugar bee
  • Wedding: April 2015

I’m really confused about why the US has such a complicated health system. It sucks that so many people are experiencing negative issues with something that is supposed to be progressive. I’ve heard nothing but bad things! 

I figured your system would be similar to the NHS or Canada’s provincial health care that’s universal. My cousins who live in NY, NJ and FL are all complaining about Obamacare, and oddly enough, they pay similar % of taxes as we do in my highly taxed Canadian province. I can’t imagine paying more than my regular taxes for health insurance. 

OP, a lot of people are in your shoes. I hope something changes so you don’t have to carry an even more expensive burden!

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