Home and Auto What's your current health insurance situation? - Page 6

**Rain Man** · 11-11-2009, 12:00 PM

Just curious. We can reference this as a historical document if the new changes come through.

Let's talk about three groups: you, your spouse (if you have one), and your dependents (if you have any).

dtebbe · 11-12-2009, 01:36 PM

Quote:

Originally Posted by Rain Man

Does an HSA mean that you're paying it all yourself, or does the employer pay some? I vaguely know what it is, but no detail.

HSA= Health Savings Account

Basically a tax-deferred medical savings account, either employer or employee can contribute to the account. You must have a HSA-eligible high-deductable health plan in order to have an HSA account. They work together.

The concept is that you get a lower premium on the high-deductible plan and you then put the savings into the HSA until you have your deductible covered. Basically there is financial reward for you being healthy in that your HSA continues to grow and is your money. All routine visits, medicines, anything health related can be paid for with the HSA (right down to Tums) with tax-free money.

It's a good deal for self-employed folks. The only way we can afford insurance, and a way to put pack a little $$$ tax free too.

DT

HC_Chief · 11-12-2009, 01:39 PM

Quote:

Originally Posted by dtebbe

I pay $425/month for a plan with a $5600 family deductible. 100% coverage after we meet the deductible. It is a HSA eligible plan and I max out the HSA each year. It's legalized extortion, and it's not going to get any better with this smoke & mirror BS that they are trying to push thru. This is for family coverage 2 adults +1 child.

DT

That is really high for an HSA. I paid much less for mine, but my deuctible was $7000. If you keep your HSA up, it should cover any deductible, and you will find paying cash for doctor visits is less $ than paying high monthly coverage costs (aggregated annually). I found my coverage (prior to the coverage I have now through my employer) through ehealthinsurance.com

Stewie · 11-12-2009, 01:39 PM

Man, there are some scary premiums being paid for mediocre coverage.

Demonpenz · 11-12-2009, 01:40 PM

My family and I have always been about each other, we not be rich but we really stick together, even if we don't have health insurance we always seem to get through it. The hospitals never NEVER just turn us away. We always seem to get by even without insurance, we can open credit cards, bill empty lots, etc, we never are rich, but we always have a roof over our heads (thank god). There are some good day cares around the YMCA that are cheap for the winter, and the pool is a good place to take your kids when you have to work 4 or 5 hours at the gas station to get some booze money

**HemiEd** · 11-12-2009, 02:10 PM

My employer pays most of it, as it has risen astronomically the last few years, especially in our group. She used to pay it all, but it just got to high.

It is a small group of 5 employees and spouses, on the program and each has a major health issue.
One has lupus, I had heart work, etc. etc.
The gross cost for me and my spouse on the program is just a little over $36k per year, plus we have very high deductibles and copays.

View Poll Results: Tell me about your health coverage.
** Part 1: You **	2	1.65%
My employer pays all of my coverage.	22	18.18%
My employer pays more than half of my coverage, but I pay some.	45	37.19%
My employer pays less than half of my coverage and I pay the rest.	8	6.61%
My employer offers coverage, but I pay for all of it.	3	2.48%
My spouse's employer pays all of my coverage.	1	0.83%
My spouse's employer pays more than half of my coverage, but I pay some.	8	6.61%
My spouse's employer pays less than half of my coverage and I pay the rest.	2	1.65%
My spouse's employer offers coverage, but I pay for all of it.	1	0.83%
I buy coverage on my own, independent of any employer	11	9.09%
I get Medicare and nothing else.	0	0%
I get Medicare and augment it with a Medicare supplement.	0	0%
I get Medicaid or other augmented coverage.	0	0%
I get coverage via veteran's benefits.	2	1.65%
I have no coverage.	17	14.05%
I have something else not described here.	2	1.65%
** Part 2. Your spouse ** (Do NOT answer for significant others, only spouses.)	1	0.83%
I'm not married, so I haven't yet met my spouse.	11	9.09%
My employer pays all of my spouse's coverage.	6	4.96%
My employer pays more than half of my spouse's coverage, but we pay some.	19	15.70%
My employer pays less than half of my spouse's coverage and we pay the rest.	6	4.96%
My employer offers coverage for my spouse, but we pay for all of it.	2	1.65%
My spouse's employer pays all of his/her coverage.	5	4.13%
My spouse's employer pays more than half of his/her coverage, but we pay some.	13	10.74%
My spouse's employer pays less than half of his/her coverage and we pay the rest.	2	1.65%
My spouse's employer offers coverage for him/her, but we pay for all of it.	3	2.48%
We buy coverage on our own for him/her, independent of any employer	5	4.13%
My spouse gets Medicare and nothing else.	0	0%
My spouse gets Medicare and we augment it with a Medicare supplement.	0	0%
My spouse get Medicaid or other augmented coverage.	0	0%
My spouse gets coverage via veteran's benefits.	1	0.83%
My spouse has no coverage.	5	4.13%
I have something else not described here.	4	3.31%
** Part 3. Your dependents. **	1	0.83%
I have no dependents or have abandoned them to fend for themselves.	34	28.10%
My (or my spouse's) employer pays all of my dependents' coverage.	6	4.96%
My (or my spouse's) employer pays more than half of my dependents' coverage, but we pay some.	21	17.36%
My (or my spouse's) employer pays less than half of my dependents' coverage and we pay the rest.	4	3.31%
My (or my spouse's) employer offers coverage for my dependents, but we pay for all of it.	4	3.31%
We buy coverage on our own for dependents, independent of any employer	5	4.13%
My dependents get Medicaid or other augmented non-child-specific coverage.	2	1.65%
My dependents get a specific child-specific public health plan such as Child Health Program.	0	0%
My dependents get coverage via veteran's benefits.	2	1.65%
My dependents have no coverage.	2	1.65%
I have something else not described here.	2	1.65%
Multiple Choice Poll. Voters: 121. You may not vote on this poll

11-11-2009, 12:00 PM
Rain Man Seize life. Be an ermine. Join Date: Jul 2001 Location: My house Casino cash: $-542449 VARSITY	What's your current health insurance situation? Just curious. We can reference this as a historical document if the new changes come through. Let's talk about three groups: you, your spouse (if you have one), and your dependents (if you have any).
Posts: 145,342

11-12-2009, 01:39 PM	#78
Stewie MVP Join Date: Oct 2006 Location: West of the Equator Casino cash: $-1680099	Man, there are some scary premiums being paid for mediocre coverage.
Posts: 13,851

11-12-2009, 01:40 PM	#79
Demonpenz Woman should only make babies Join Date: Nov 2003 Location: Apartment "G UNIT!" Casino cash: $-283864	My family and I have always been about each other, we not be rich but we really stick together, even if we don't have health insurance we always seem to get through it. The hospitals never NEVER just turn us away. We always seem to get by even without insurance, we can open credit cards, bill empty lots, etc, we never are rich, but we always have a roof over our heads (thank god). There are some good day cares around the YMCA that are cheap for the winter, and the pool is a good place to take your kids when you have to work 4 or 5 hours at the gas station to get some booze money __________________
Posts: 54,947

11-12-2009, 02:10 PM	#80
HemiEd Supporter Join Date: Dec 2004 Location: Ozarks Casino cash: $-369436	My employer pays most of it, as it has risen astronomically the last few years, especially in our group. She used to pay it all, but it just got to high. It is a small group of 5 employees and spouses, on the program and each has a major health issue. One has lupus, I had heart work, etc. etc. The gross cost for me and my spouse on the program is just a little over $36k per year, plus we have very high deductibles and copays.
Posts: 34,825