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Crusty Nutsack posted:and they have the smallest premiums. designed for younger, healthier people who don't go to the doctor much. Nothing's stopping anyone from choosing a plan with a lower deductible. If your income is low enough, your deductible will be $0. Ya I mean, you can go as low as 2k on a deductible with only a $300+ monthly payment! What a steal!
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Jan 16, 2015 19:04
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Concerned Citizen posted:keep in mind the deductible can be misleading if you compare it to pre-ACA plans, since many things are 100% covered or partially covered even if you haven't hit your deductible yet. there were also a lot of plans going around pre-ACA that frankly were useless. you got "coverage" but if you actually got hurt it would cover nothing. That's what I remember when I was price shopping but I could definitely be wrong, but i have a feeling not by much. Some of the benefits are nice but considering rn I wouldn't even be able to meet the ded if something came up, I'm not motivated to pay several hundred a month. Considering the prices you pay monthly reflect your predicted income for the year, you could also end up paying a lot more come tax time if you underestimated income when signing up. I have no idea what I'm going to make a year ahead so it seems risky to lowball.
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Jan 16, 2015 20:08
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I would marry / gay marry someone if I could mooch off their health benefits. Like that episode of its always sunny
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Jan 16, 2015 20:50
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Slipknot Hoagie posted:The cool thing about jobs, real jobs, is that they have to compete on what insurance to offer their employees. If it doesn't cover enough, or is too expensive, employees will quit. Just one way the free market works. Hopefully that gives all you internet socialists crowing about single-payer something to think about. Like maybe, working for a living instead. I have coverage thru work rn but I'm about to be self-employed. Lol if you think everyone has a "traditional" job. Enjoy making money for someone else for the rest of your life tho
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Jan 16, 2015 21:51
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