Reply to Shocked: Our bare-bones monthly cost of living is 5K after taxes! What's yours?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I have to ask, even assuming that your mortgage is 2k, how in the hell do you spend 3k on survival?  I don't understand what you call bare bones....break it down, then I'll help you spend less.[/quote]

For us, it's health insurance.  Just over $2000/month for family coverage.  Looking to change plans, so hopefully that will go down a bit, but it's not something you can do without.  So with $1000 left over, there's not a lot to cut.  [/quote]

How is it that you spend that much on health insurance?  Are you self-employed and purchasing your own plan?  I have difficulty imagining an employer charging 1k a paycheck for health insurance---even McD's is cheaper than that for it's employees.[/quote]

Partner in a small/medium-sized firm.  The firm subsidizes associates and staff, but partners pay the whole cost of insurance.  A small fairly small pool (made smaller by the fact that anyone who has another ER plan option from a spouuse chooses that option), a couple of bad claims experiences, and poof - ridiculous premiums.  Most ER plans are heavily subsidized by the ER, and most people don't know the true cost of their insurance (although it's typically not as high as mine, it's much higher than they realize).  Large pools of insureds also make a big difference.  [/quote]

Thanks mister lawyer I am sure you are struggling to it  make in your tiny 300k a year salary[/quote]

Easy there, crankypants.  I'm not complaining at all about my life - and I don't think you can point out where I do.  Merely responding to a question about why health insurance premiums are so high.  [/quote]

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