how much are you paying for health insurance (not employer sponsored) per year?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:You’d almost think the Affordable Care Act wasn’t affordable.

Wasn't meant to be. It was a payback for big corporate insurance companies for their lobbying efforts. Was designed to drive up prices.

The only solution is to deregulate insurance scam and allow more competition and a free market.

Also support more "cash-only" doctors and clinics, who are required to post prices for everything online and at their business locations so patients know in advance what everything costs, with no hidden fees.

But that still wouldn’t solve the problem.

First of all, even if doctors and clinics were somehow transparent about pricing, that still leaves hospitals (the source of crippling debt) opaque. They can charge as much as they want because it’s literally life and death.

No, they list prices also. Duh!

Secondly, even if you completely abolished the ACA (which I don’t think you should do), prices would remain artificially inflated because we would still be subsidizing Medicare and Medicaid patients. According to market forces, companies will charge the highest prices people will pay. Less customers at astronomical prices is more profitable than more customers at reasonable prices, so that’s what we’ve got.

Wrong again. Actual free-market competition drives prices down.

Personally, I think we need universal coverage, transparent pricing, AND heavy regulation of the industry. Break up the monopolies and shut down private equity. Private companies should be able to make a REASONABLE profit, but this price gouging is inexcusable. There is no reason American drug companies should charge Americans more for medicine. I realize research is expensive, but when it is funded by the government, there should be some sort of financial relief, maybe a reduced patent period. The fact is that neither the Republican approach (the government should get out of the way of industry and let it do whatever it wants) nor the Democratic approach (the government should pay industry whatever it wants) is a workable solution. Ultimately, the only winner in either scheme is private industry, who has no doubt spent millions, if not billions, of our money to lobby both sides for that outcome.

Bolded part is because of the government/insurance/corporate scam allowing it to happen to make them more money, while taxpayers subsidize overseas medicine that is given away. Big money laundering scam.

It's real simple to fix. But neither government, corporations, or insurance scammers want to "fix" it since it would cost all three huge money.

[Anonymous]

5100 or so for 4, NVA, no supplement (out of pocket fully) for a PPO. Will be around $5350 next year I think.

Amount is monthly.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:You’d almost think the Affordable Care Act wasn’t affordable.

Wasn't meant to be. It was a payback for big corporate insurance companies for their lobbying efforts. Was designed to drive up prices.

The only solution is to deregulate insurance scam and allow more competition and a free market.

Also support more "cash-only" doctors and clinics, who are required to post prices for everything online and at their business locations so patients know in advance what everything costs, with no hidden fees.

We had that for years. The only solution is a national health service.

BWAHAHHAHAAHHAAHHAHAHAHAAHHAHA

Oh wait, you are actually serious with that comment? Allow everyone to laugh harder now!

So when you’re on Social Security, you are not going to use Medicare?

[Anonymous]

Anonymous wrote:

Anonymous wrote:You’d almost think the Affordable Care Act wasn’t affordable.

You'd almost think the Republicans have been dismantling the Affordable Care Act piece by piece since the day it was passed.

Yep. Even though it's basically a Republican plan they hate it for some reason.

[Anonymous]

Anonymous wrote:

Anonymous wrote:If you're a family of 4 in Northern Virginia (2 middle age adults/2 preteens) - how much are you paying for health insurance if you're self-employed / not employer sponsored? What are your deductibles & copays?

$28,000 + $10,000 deductible= $38,000 out of pocket per year. 100% coverage once that is met

Thank you!

[Anonymous]

Family of 4 in Maryland. HHI $113k. We will drop down from a silver to bronze value plan with a $10k deductible. We still qualify for $783 in a tax credit and state premium assistance (thank you Maryland), reducing the monthly premium to $960. This is 3x higher than what we are currently paying.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:You’d almost think the Affordable Care Act wasn’t affordable.

You'd almost think the Republicans have been dismantling the Affordable Care Act piece by piece since the day it was passed.

Yep. Even though it's basically a Republican plan they hate it for some reason.

The plan enacted by a Democrat president and passed by a Democrat Congress with zero Republican votes? Yeah, super Republican plan. 🙄

[Anonymous]

Anonymous wrote:

Anonymous wrote:If you're a family of 4 in Northern Virginia (2 middle age adults/2 preteens) - how much are you paying for health insurance if you're self-employed / not employer sponsored? What are your deductibles & copays?

$28,000 + $10,000 deductible= $38,000 out of pocket per year. 100% coverage once that is met

Omg 🙈

[Anonymous]

Paying $1305/month for UHC PPO for 1 person.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you're a family of 4 in Northern Virginia (2 middle age adults/2 preteens) - how much are you paying for health insurance if you're self-employed / not employer sponsored? What are your deductibles & copays?

$28,000 + $10,000 deductible= $38,000 out of pocket per year. 100% coverage once that is met

Thank you!

same. bcbs anthem ppo. not on the aca market but similar to a bronze. 7500 oop max i think, but 90/10 coverage after if in network. but insurance is still key before the oop max because of the negotiated rates.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:You’d almost think the Affordable Care Act wasn’t affordable.

You'd almost think the Republicans have been dismantling the Affordable Care Act piece by piece since the day it was passed.

Yep. Even though it's basically a Republican plan they hate it for some reason.

It’s because Dems have trying to use it as a single payor backdoor the whole time.

[Anonymous]

Anonymous wrote:Family of 4 in Maryland. HHI $113k. We will drop down from a silver to bronze value plan with a $10k deductible. We still qualify for $783 in a tax credit and state premium assistance (thank you Maryland), reducing the monthly premium to $960. This is 3x higher than what we are currently paying.

That is a bargain for 4 people!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you're a family of 4 in Northern Virginia (2 middle age adults/2 preteens) - how much are you paying for health insurance if you're self-employed / not employer sponsored? What are your deductibles & copays?

$28,000 + $10,000 deductible= $38,000 out of pocket per year. 100% coverage once that is met

How is that even possible to pay tgat? What is your HHI?

Enough to comfortably pay our premium and deductible. FWIW that’s for the very aptly named Aetna “Choice POS” plan.

[Anonymous]

$33,000 per year including dental. Family of 4. Business owners . $7700 deductible.

[Anonymous]

Anonymous wrote:

Anonymous wrote:If you're a family of 4 in Northern Virginia (2 middle age adults/2 preteens) - how much are you paying for health insurance if you're self-employed / not employer sponsored? What are your deductibles & copays?

$28,000 + $10,000 deductible= $38,000 out of pocket per year. 100% coverage once that is met

Which Carrier is this with?