Health Insurance costs

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Hello- curious as to what people pay for their health insurance per month , for a family plan.

I pay around 300 a month for family, and thats a PPO- I can only see the drs at my organization.

This is for full time staff.

Prescriptions arent bad tho- most of mine had a 10- 40 dollar copay, as long as they are on "the list"

Specializes in Critical Care.
This response is a far cry from what you posted in # 22. Please be honest and forthright. Paying bills out of pocket is not the same as having a certificate of self-insurance. Your previous answer was misleading at best and dishonest in all likelihood. Please respond accurately and honestly and quit the double talk, Muno. It's tiresome.

https://www.irs.gov/Affordable-Care-Act/Individuals-and-Families/Gathering-Your-Health-Coverage-Documentation-for-the-Tax-Filing-Season

That's actually the same as what I said. If you are able to pay a potential bill (any potential bill) then you do actually qualify to be considered as self-insured. I never said there is no documentation you would need to prove that. I actually said specifically that just being able to pay some bills out of pocket doesn't qualify as self-insured so I'm not sure where you're getting I said the opposite. Bonus points for theatrics though.

As far as the individual mandate, it is a cornerstone of Obamacare. So either make it work, or get rid of it. The only to make it work is to deny care to competent adults who knowingly refuse to make plans to pay for healthcare. Yes, that would involve rescinding previous treatment mandates. No big deal. Of course, there is not a liberal on this planet who will enforce individual responsibility to any extent, let alone this extent, so it will never happen. Obamacare is ineffective by design and by intent. This is just one example.

Considering you're the only person I've ever heard say we should actually get rid of EMTALA it apparently would be a big deal. The individual mandate and most of Obamacare is mainly derived from previous conservative healthcare reform proposals, the proposal that's to the left of Obamacare is universal single payer, which wouldn't include just a token penalty for taking advantage of the system.

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We're required to pay into police departments, fire departments, the military, etc. Why should you have a legal right to walk into a hospital with an acute condition and rack up a few-hundred-thousand dollars in cost and yet not do anything to have paid into that?

Incorrect. With police or fire then you pay from property taxes, A person is not required to own/rent a house in USA

With military I suspect it comes from taxes, one does not have to work in USA.

Getting a fine from Obamacare is the only thing in USA where a person gets fined and is required by law to have insurance, I can't not think of anything else in the USA where a person is required to do something or else they get a fine.

Socialism at it's finest....

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Illegal immigrants don't qualify for potentially subsidized insurance, much less "free insurance".

What would your solution be?

Negative

They go to hospital rack up a huge bill and never pay, Why? Because they have no Social Security Number and nothing can be done about them not paying, No bad credit, etc.

My Solution is quite simple : TRUMP 2016

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Specializes in Critical Care.
Incorrect. With police or fire then you pay from property taxes, A person is not required to own/rent a house in USA

With military I suspect it comes from taxes, one does not have to work in USA.

Getting a fine from Obamacare is the only thing in USA where a person gets fined and is required by law to have insurance, I can't not think of anything else in the USA where a person is required to do something or else they get a fine.

Socialism at it's finest....

Whether you rent or own you're still paying into property taxes, hate to break it to you. And you're still required to pay income taxes, payroll taxes, sales taxes, etc to pay for services. And while it's true that not all people work and have essentially no income and pay little in taxes, those same people also don't owe the penalty. Are taxes to pay for the military, roads, etc "socialism at it's finest"?

Acute healthcare is legally required to be provided, why should a hospital be legally required to give you a service that you aren't required to pay for?

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Specializes in Critical Care.
Negative

They go to hospital rack up a huge bill and never pay, Why? Because they have no Social Security Number and nothing can be done about them not paying, No bad credit, etc.

My Solution is quite simple : TRUMP 2016

Anyone without insurance, whether it's you or an illegal immigrant, has a high likelihood of not paying if large bills occur. Even during the peak of the mortgage crisis bankruptcy due to medical bills was the largest cause of bankruptcy claims. So while citizens and illegal immigrants might use different processes for not paying their bill, the effect on my insurance premium is the same.

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Whether you rent or own you're still paying into property taxes, hate to break it to you.

Negative. I can go shack up with a girl and live rent free and never pay any taxes. Even if I shack up I still have to pay for insurance. For a government to require you do something or else you pay a fine is a gestapo tactics in my view.

I hope to see Obamacare repealed soon.........

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Specializes in OR, Nursing Professional Development.
I hope to see Obamacare repealed soon.........

And what would you recommend in its place? The old system has far too many cracks that people slipped through and were unable to obtain the preventive care they needed to reduce emergent and much more costly health care interventions. The old system was broken, the current system isn't perfect. It needs fixed, and repealing the PPACA won't do it unless there is a viable alternative.

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And what would you recommend in its place? The old system has far too many cracks that people slipped through and were unable to obtain the preventive care they needed to reduce emergent and much more costly health care interventions. The old system was broken, the current system isn't perfect. It needs fixed, and repealing the PPACA won't do it unless there is a viable alternative.

I am hoping by the American People voting in 2016 will bring changes. It would be nice to see a non career politician get into office. A proven business man like Trump would be a nice change, Ben Carson would probably know something about the healthcare industry. Basically all I am seeing now and hearing is everyone insurance is going up and their coverage is going down, it seems like this Obamacare is a cluster at best. I hope our next President can dig us out of the hole we are in now, this is like Jimmy Carters presidency all over again...........

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Specializes in Critical Care.
Negative. I can go shack up with a girl and live rent free and never pay any taxes. Even if I shack up I still have to pay for insurance. For a government to require you do something or else you pay a fine is a gestapo tactics in my view.

I hope to see Obamacare repealed soon.........

Someone who makes no money at all and therefore owes no taxes isn't subject to the mandate penalty, it's only for those who could pay their fair share but chose not to, shifting those costs onto others. I'm not sure how you can refer to anyone as "bottom feeders" and still enthusiastically argue your right to take advantage of others despite an equal ability to contribute to your potential costs.

I doubt Trump is going to be the solution you're looking for since what he's come out in support of is universal healthcare which wouldn't give the option of whether or not to pay into it.

I agree Obamacare should be repealed, it's essentially a combination of all the previous conservative reform proposals, many of which just continue or even worsen the previous problems with our healthcare system.

Is there anything you would actually change about Obamacare other than the name?

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Someone who makes no money at all and therefore owes no taxes isn't subject to the mandate penalty, it's only for those who could pay their fair share but chose not to, shifting those costs onto others. I'm not sure how you can refer to anyone as "bottom feeders" and still enthusiastically argue your right to take advantage of others despite an equal ability to contribute to your potential costs.

I doubt Trump is going to be the solution you're looking for since what he's come out in support of is universal healthcare which wouldn't give the option of whether or not to pay into it.

I agree Obamacare should be repealed, it's essentially a combination of all the previous conservative reform proposals, many of which just continue or even worsen the previous problems with our healthcare system.

Is there anything you would actually change about Obamacare other than the name?

"Someone who makes no money at all and therefore owes no taxes isn't subject to the mandate penalty"

I would like to change that, so if you are a freeloader or someone who doesn't want to work then you get free medical insurance, that is my number one issue

My second one is that it is a fine if you don't sign up, I find this to be UnAmerican but since it was started by Obama I find this to stay in line with his view...

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duplicate post

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$80 a month for a single male. $180/mo for single mom with two kids (per report). $1750 deductible with $2000 out-of-pocket annual maximum. $25-40 co-pay for expensive prescriptions.

Obamacare didn't change a thing. I'm satisfied with my plan.

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