jpete wrote:Being that my employer medical is priced so I can't afford to have my wife on my coverage, I decided to see what Barry had to offer.
I put all my kids on state Medicare for $0. Then I pay $140/month to cover me and my wife. That buys me a $5800/per person deductible. So the total amount is $13,300 before insurance pays a penny.
You make the call.....
So did you make the call and stay with your employer’s insurance?
For $140/month you can cover yourself, plus “all” your kids, plus your wife who otherwise would be uninsured? And you are complaining? Many people pay more than that for cable TV plus a couple of cell phones, which are arguably less important than medical care. For comparison, my wife still has private coverage through my previous employer, at over $500 a month for her alone, and her deductible is $4500. Your total amount of $13,300 takes effect only if both you and your wife have substantial expenses in the same year. Yes, it’s a scary potential expense, but not yet a real one. It sounds to me like you are WAY better off with Obamacare.
You, like most, just don't get it! If you spend some time on Healthcare.gov (if it's not down!) and look at where subsidies kick in, you'll learn that the total FAMILY salary has to be at less than 200% of the poverty level. That's around $30,000. To get enough subsidy to reduce the premium down to $140 a month, your total income has to be a LOT less than that. So, when you realize that you're paying $140 a month (perhaps 10% of your before tax FAMILY income) and getting nothing for it, it may make you sick! Then if you go to the doctor, you realize that you're going to have to pay ALL of the charges for the visit, medicine, possible blood work and xrays until you, yourself, get to $5800, which could very well be 1/3 of your total family income before taxes! That's not considering that your wife will be going to the doctor and have to pay ALL of the charges! This is just totally ridiculous to ask lower income families to endure this. Most people have not awakened to the reality yet. They say 'Wow, I got this subsidy and my insurance is so cheap'. Well, wait until they get sick and find out everything is coming out of their pockets! God forbid that they have to get a specialist or go in the hospital because that scenario is even worse. DemoCare is just a plain disaster waiting to destroy our economy and further divide rich from poor, Obama's ultimate aim, which comes from Saul Alinsky's Rules for Radicals philosophy to destroy Democracy.