Quote:
Originally Posted by notorious
If people had to pay outside of work they would shit their pants.
46 non smoker married to a 42 female with great tits non-smoker. Healthy, I've been to the doctor one time in 20 years to get a thumb stitched up.
1400/month. Small business owner.
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Self-insuring is absolutely insane these days. If you fall in "middle class" where you make more than the level where you get a subsidy but you're not making 2 or 300k per year, it's gonna be a dagger. And unfortunately you can be as healthy as possible and you're still gonna get bent over.
I'm luckily on my wifes plan, but it would cost me $7-800/month for a plan with a high deductible and narrow network to insure just myself at 41 years old. And then I'd have to pay about $5k more before the insurance would even kick in. So you're basically looking at $15k out of pocket with the deductible and the monthly premium before actually getting any benefit.
I don't mean to make this political, but prior to the ACA (and getting married and being on my wifes plan) I used to pay about $70/month for a $2500 deductible with the largest local insurer and network in KC. Obviously I'm 10 years older now and inflation, but it would cost 10 times as much for a shittier plan if I were out there on my own again. The individual marketplace is HORRIBLE if you're not receiving subsidies for having a lower income.