Link me Affordable healthcare.

[fskimospy]

Originally posted by: Pens1566
I love all the suggestions that include the "get anything serious, declare bankruptcy". Thats the problem .....

What I find interesting is the crowd that says 'we can't afford to pay for this' is the same one that says 'i'm not going to pay for this' when confronted with a health care emergency of their own.

 

[Patranus]

LOL - Why is this thread still open?

Per your request, posters "put up" not it is time for the OP to "shut up".

 

[Patranus]

Originally posted by: BoomerD

Originally posted by: Thump553
Mid-50s, also looking for semi-reasonably priced insurance. My wife and I are self employed, currently paying about 10k per year for a mediocre AEtna policy (Blue Cross was even higher).

GL to the original poster-I've been doing that search for a couple of years.

We're also in our mid-50's and there's no such thing as "affordable health insurance" here in Kahleeforneeya.

Even a terrible policy with high co-pays and high annual deductibles runs close to $1000/month.
Since I got hurt almost 6 years ago, we've been on a VERY fixed income, and while costs keep going up, my income hasn't risen a dime. (in fact, they just cut my disability check by about $85/week for some as yet unknown reason.)

If what you say is true, than you are eligible for medi-cal.

 

[TruePaige]

Originally posted by: Patranus
LOL - Why is this thread still open?

Per your request, posters "put up" not it is time for the OP to "shut up".

Nope, no one showed an actual affordable plan (with link) that didn't have fatal flaws that made it useless if anything serious happened.

 

[Patranus]

Originally posted by: TruePaige

Originally posted by: Patranus
LOL - Why is this thread still open?

Per your request, posters "put up" not it is time for the OP to "shut up".

Nope, no one showed an actual affordable plan (with link) that didn't have fatal flaws that made it useless if anything serious happened.

Ah the old straw man defense.....

 

[shadow9d9]

Originally posted by: Patranus
LOL - Why is this thread still open?

Per your request, posters "put up" not it is time for the OP to "shut up".

I showed real numbers for real care and no one has yet to address them.

$5400 for catastrophic for 3 people(only 27 years of age) and 9-10k for full insurance without copays.

Show some affordable alternatives.

 

[exar333]

Originally posted by: Fear No Evil

Originally posted by: MovingTarget

Originally posted by: Dragula22

Originally posted by: ExarKun333
Your 23, get a job.

/thread

QFT.

Seriously. I don't understand the entitlement mentality.

Nice buzzword ya got there. Anyway, there are some programs that do not allow you to have an outside job - and when they do, they often limit how much time you can spend working. If you have a scholarship to law or med school, that can easily be the case. Even if they do not, do you really think that it is feasible in every case for a student to work? It isn't entitlement mentality, it is practicality.

So maybe the schools should address this problem? The OP is probably paying 10's of thousands of dollars a year to the school, force the student not to work or limit their work, but the problem is with INSURANCE companies? I don't see anyone complaining about the massive amount of money spent on education to pales in comparison to insurance.

But! But! Education isn't making people die. Hmm.. IT ISN'T? By forcing students to pay 10's of thousands a year and not providing them a way of being able to purchase healthcare. Maybe the SCHOOLS are the problem? Maybe instead of socializing our healthcare program we can pass some sort of law which will help students such as the OP take some of the massive amounts of money going to his school and reroute it to healthcare costs? IE, lets fix the problems and not fix a problem which is not there for many Americans.

He's either paying, taking out loans, or is getting a scholorship to go to school. Life is about choices. I went to school, paid my own way (no money from mom and dad) and did not have health-care. I also did not have a reliable car, and needed this to get back and fprth both from school and work. I made it happen.

If you can't afford health coverage, get a part-time job to supplement your coverage and pay your premium. You can also be savvy and find places that offer health coverage to the uninsured for reduced rates. I did this just out of college when I had to see a doctor, but didn't have insurance yet. The cost to me was only $200, compared to over $1000.00 at a regular hospital/clinic.

You sound lazy to me, and are just making excuses for something you don't have, and want.

 

[rudder]

A little late to the game, but not bothering as this thread is fail from the beginning. Most Americans are not agains healthcare reform and cost savings. I have excellent healthcare that costs $170/month for my family. My employer pays an additional $1000 or something a month. It can still get expensive.

But who in their right mind thinks our Government is capable of saving money and providing a decent healthcare program? If you believe that, well I am able to call you some names then.

Hell, just watch those infomericals for those "FREE" $4000 scooters. Wow, medicare will pay for it whether you need it or not. Is there anyone here from Europe that can tell me if Europeans are provided FREE scooters? And it is not just hte medicare provided scooters... but a host of other things that has bankrupted medicare.

We can not and must not burden out granchildren with the tax bills that our current government will be forcing them to pay. We shouldn't do it. If this all passes I feel sorry for the OP's grandchildren if his thyroid condition is genetic. There is not going to be any money in the government kitty to pay for his treatment. It is that simple. So enough of these healthcare threads already.

 

[Phokus]

Originally posted by: rudder

We can not and must not burden out granchildren with the tax bills that our current government will be forcing them to pay. We shouldn't do it. If this all passes I feel sorry for the OP's grandchildren if his thyroid condition is genetic. There is not going to be any money in the government kitty to pay for his treatment. It is that simple. So enough of these healthcare threads already.

Yeah, we should keep the current healthcare system we have where costs outpace inflation. Half our children/grandchildren won't even have health insurance at the pace we're going.

 

[Phokus]

Originally posted by: Patranus

Originally posted by: TruePaige

Originally posted by: Patranus
LOL - Why is this thread still open?

Per your request, posters "put up" not it is time for the OP to "shut up".

Nope, no one showed an actual affordable plan (with link) that didn't have fatal flaws that made it useless if anything serious happened.

Ah the old straw man defense.....

Do you even know wtf 'straw man' means? You're beyond hope.

 

[Amused]

Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).

BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).

It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.

Yep, here in illinois a single, 42 year old nonsmoking female I know has an EXCELLENT individual plan from BC/BS that's just $395 a month. That's less than most car payments. No deductable, $20 co pay per visit, $10 prescriptions, and everything she's had has been covered, incuding a recent nasty case of fibroid tumers and all the surgeries to remove them.

If she had opted for a $1000 deductable, she's pay half that a month. No drug plan and much less again. All the plans have a 5 million dollor lifetime limit, and a yearly out-of-pocket limit of $1000.

If you can afford a car, you can afford good health care.

Punch in your stats here and pick your plan.

https://osc.hscil.com/il/Quoti...pe=1&source=WEBIL00100

The OP has been owned.

Again, the VAST majority of uninsured in the US CAN afford health insurance and opt not to. They rather keep up with the jones than cover themselves. Then bitch and whine when they get sick.

 

[Gooberlx2]

Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).

BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).

It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.

I'm sorry, but that plan doesn't cover shit.

No Rx, no preventative, no office visits, no mental. Most "emergencies" probably fall under their "Accidents" category (i.e. outpatient, like a broken leg), where they cover only $250 annually.

It's really a disaster-only/inpatient plan. As far as true disasters are concerned, $1M is a pretty low budget.

It's an utterly crappy plan.

edit: To be fair, there are relatively affordable plans out there for healthy people (see Amused's link). But what you linked to is barely a plan at all.

 

[TruePaige]

Originally posted by: Phokus

Originally posted by: Patranus

Originally posted by: TruePaige

Originally posted by: Patranus
LOL - Why is this thread still open?

Per your request, posters "put up" not it is time for the OP to "shut up".

Nope, no one showed an actual affordable plan (with link) that didn't have fatal flaws that made it useless if anything serious happened.

Ah the old straw man defense.....

Do you even know wtf 'straw man' means? You're beyond hope.

Pretty much.

 

[dullard]

Originally posted by: Gooberlx2
edit: To be fair, there are relatively affordable plans out there for healthy people (see Amused's link). But what you linked to is barely a plan at all.

It is the only plan people like the OP need. Sure, he can pay $500/month to get all the bells and whistles (an office visit here and there, a few possible preventative proceedures). But, he can also save $470/month and pay for those rare circumstances out of pocket as they arise. As long as you are in your 20s, healthy, and will get on a good insurance plan soon (when he graduates), it is a perfectly fine plan. They have dozens of similar plans as well if you want to pay more. But for the vast majority of people in his situation, that extra money will do better in the bank so he can pay out of pocket if the need arises.

 

[Thump553]

Originally posted by: Amused

Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).

BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).

It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.

Yep, here in illinois a single, 42 year old nonsmoking female I know has an EXCELLENT individual plan from BC/BS that's just $395 a month. That's less than most car payments. No deductable, $20 co pay per visit, $10 prescriptions, and everything she's had has been covered, incuding a recent nasty case of fibroid tumers and all the surgeries to remove them.

If she had opted for a $1000 deductable, she's pay half that a month. No drug plan and much less again. All the plans have a 5 million dollor lifetime limit, and a yearly out-of-pocket limit of $1000.

If you can afford a car, you can afford good health care.

Punch in your stats here and pick your plan.

<a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoting/Applicants.aspx?type=1&source=WEBIL00100">https://osc.hscil.com/il/Qu......&source=WEBIL00100</a>

The OP has been owned.

Again, the VAST majority of uninsured in the US CAN afford health insurance and opt not to. They rather keep up with the jones than cover themselves. Then bitch and whine when they get sick.

OP has hardly been owned. For this very limited coverage (already explained by others above) the cost for a two person mid-50s couple in CT with 1500/3000 deductible is over $15,600 per year- $1300+ a month for basically catestrophy coverage (and then you are assuming the good graces of Blue Cross not to cut you off/decline coverage/nonrenew or renew at exorbinant rates). You call that affordable-pay all your own "regular" medical expenses per month plus $1300+?

 

[GuitarDaddy]

Originally posted by: Amused

Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).

BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).

It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.

Yep, here in illinois a single, 42 year old nonsmoking female I know has an EXCELLENT individual plan from BC/BS that's just $395 a month. That's less than most car payments. No deductable, $20 co pay per visit, $10 prescriptions, and everything she's had has been covered, incuding a recent nasty case of fibroid tumers and all the surgeries to remove them.

If she had opted for a $1000 deductable, she's pay half that a month. No drug plan and much less again. All the plans have a 5 million dollor lifetime limit, and a yearly out-of-pocket limit of $1000.

If you can afford a car, you can afford good health care.

Punch in your stats here and pick your plan.

<a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoting/Applicants.aspx?type=1&source=WEBIL00100">https://osc.hscil.com/il/Qu......&source=WEBIL00100</a>

The OP has been owned.

Again, the VAST majority of uninsured in the US CAN afford health insurance and opt not to. They rather keep up with the jones than cover themselves. Then bitch and whine when they get sick.

All the link tells me is my zipcode is not eligable for coverage:frown:

 

[Amused]

Originally posted by: Thump553

Originally posted by: Amused

Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).

BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).

It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.

Yep, here in illinois a single, 42 year old nonsmoking female I know has an EXCELLENT individual plan from BC/BS that's just $395 a month. That's less than most car payments. No deductable, $20 co pay per visit, $10 prescriptions, and everything she's had has been covered, incuding a recent nasty case of fibroid tumers and all the surgeries to remove them.

If she had opted for a $1000 deductable, she's pay half that a month. No drug plan and much less again. All the plans have a 5 million dollor lifetime limit, and a yearly out-of-pocket limit of $1000.

If you can afford a car, you can afford good health care.

Punch in your stats here and pick your plan.

<a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoti...pe=1&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoting/Applicants.aspx?type=1&source=WEBIL00100">https://osc.hscil.com/il.........rce=WEBIL00100</a></a>

The OP has been owned.

Again, the VAST majority of uninsured in the US CAN afford health insurance and opt not to. They rather keep up with the jones than cover themselves. Then bitch and whine when they get sick.

OP has hardly been owned. For this very limited coverage (already explained by others above) the cost for a two person mid-50s couple in CT with 1500/3000 deductible is over $15,600 per year- $1300+ a month for basically catestrophy coverage (and then you are assuming the good graces of Blue Cross not to cut you off/decline coverage/nonrenew or renew at exorbinant rates). You call that affordable-pay all your own "regular" medical expenses per month plus $1300+?

Now wait just a minute. First, the OP wanted health ins for a healthy 20 something. I showed health ins for a healthy 40 something. Now you want to change the requiements again even after I upped them myself?

And her plan covers EVERYTHING. It's far from limited. Preventive, testing, hospital, ER and even prompt care visits. In the years she's had it the rates have increased only with inflation, not even after her fibroid tumor surgeries last year and asthma meds she had to start 3 years ago. She IS paying $400 a month for complete coverage as I explained above.

The OP has been owned, sorry. There it is. Health ins less than most car payments.

 

[Amused]

Originally posted by: GuitarDaddy

Originally posted by: Amused

Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).

BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).

It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.

Yep, here in illinois a single, 42 year old nonsmoking female I know has an EXCELLENT individual plan from BC/BS that's just $395 a month. That's less than most car payments. No deductable, $20 co pay per visit, $10 prescriptions, and everything she's had has been covered, incuding a recent nasty case of fibroid tumers and all the surgeries to remove them.

If she had opted for a $1000 deductable, she's pay half that a month. No drug plan and much less again. All the plans have a 5 million dollor lifetime limit, and a yearly out-of-pocket limit of $1000.

If you can afford a car, you can afford good health care.

Punch in your stats here and pick your plan.

<a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoti...pe=1&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoting/Applicants.aspx?type=1&source=WEBIL00100">https://osc.hscil.com/il.........rce=WEBIL00100</a></a>

The OP has been owned.

Again, the VAST majority of uninsured in the US CAN afford health insurance and opt not to. They rather keep up with the jones than cover themselves. Then bitch and whine when they get sick.

All the link tells me is my zipcode is not eligable for coverage:frown:

It's the BC/BS of Illinois website. Find your own state's BC/BS website.

 

[TruePaige]

Originally posted by: Amused

Originally posted by: Thump553

Originally posted by: Amused

Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).

BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).

It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.

Yep, here in illinois a single, 42 year old nonsmoking female I know has an EXCELLENT individual plan from BC/BS that's just $395 a month. That's less than most car payments. No deductable, $20 co pay per visit, $10 prescriptions, and everything she's had has been covered, incuding a recent nasty case of fibroid tumers and all the surgeries to remove them.

If she had opted for a $1000 deductable, she's pay half that a month. No drug plan and much less again. All the plans have a 5 million dollor lifetime limit, and a yearly out-of-pocket limit of $1000.

If you can afford a car, you can afford good health care.

Punch in your stats here and pick your plan.

<a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Qu......&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoti...pe=1&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoting/Applicants.aspx?type=1&source=WEBIL00100">https://osc.hscil.com............WEBIL00100</a></a></a>

The OP has been owned.

Again, the VAST majority of uninsured in the US CAN afford health insurance and opt not to. They rather keep up with the jones than cover themselves. Then bitch and whine when they get sick.

OP has hardly been owned. For this very limited coverage (already explained by others above) the cost for a two person mid-50s couple in CT with 1500/3000 deductible is over $15,600 per year- $1300+ a month for basically catestrophy coverage (and then you are assuming the good graces of Blue Cross not to cut you off/decline coverage/nonrenew or renew at exorbinant rates). You call that affordable-pay all your own "regular" medical expenses per month plus $1300+?

Now wait just a minute. First, the OP wanted health ins for a healthy 20 something. I showed health ins for a healthy 40 something. Now you want to change the requiements again even after I upped them myself?

And her plan covers EVERYTHING. It's far from limited. Preventive, testing, hospital, ER and even prompt care visits. In the years she's had it the rates have increased only with inflation, not even after her fibroid tumor surgeries last year and asthma meds she had to start 3 years ago. She IS paying $400 a month for complete coverage as I explained above.

The OP has been owned, sorry. There it is. Health ins less than most car payments.

Most people drive new 40-50k cars?

Glad you've got the "I'm a rich person so I can afford health care" segment covered.

 

[Patranus]

Originally posted by: Amused

Originally posted by: Thump553

Originally posted by: Amused

Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).

BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).

It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.

Yep, here in illinois a single, 42 year old nonsmoking female I know has an EXCELLENT individual plan from BC/BS that's just $395 a month. That's less than most car payments. No deductable, $20 co pay per visit, $10 prescriptions, and everything she's had has been covered, incuding a recent nasty case of fibroid tumers and all the surgeries to remove them.

If she had opted for a $1000 deductable, she's pay half that a month. No drug plan and much less again. All the plans have a 5 million dollor lifetime limit, and a yearly out-of-pocket limit of $1000.

If you can afford a car, you can afford good health care.

Punch in your stats here and pick your plan.

<a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il.........rce=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Qu......&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoti...pe=1&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoting/Applicants.aspx?type=1&source=WEBIL00100">https://osc.hscil.com............L00100</a></a></a></a>

The OP has been owned.

Again, the VAST majority of uninsured in the US CAN afford health insurance and opt not to. They rather keep up with the jones than cover themselves. Then bitch and whine when they get sick.

OP has hardly been owned. For this very limited coverage (already explained by others above) the cost for a two person mid-50s couple in CT with 1500/3000 deductible is over $15,600 per year- $1300+ a month for basically catestrophy coverage (and then you are assuming the good graces of Blue Cross not to cut you off/decline coverage/nonrenew or renew at exorbinant rates). You call that affordable-pay all your own "regular" medical expenses per month plus $1300+?

Now wait just a minute. First, the OP wanted health ins for a healthy 20 something. I showed health ins for a healthy 40 something. Now you want to change the requiements again even after I upped them myself?

And her plan covers EVERYTHING. It's far from limited. Preventive, testing, hospital, ER and even prompt care visits. In the years she's had it the rates have increased only with inflation, not even after her fibroid tumor surgeries last year and asthma meds she had to start 3 years ago. She IS paying $400 a month for complete coverage as I explained above.

The OP has been owned, sorry. There it is. Health ins less than most car payments.

Exactly.

The OP states in the title of the thread "Put up or shut up."....well, time and time again, links have been provided. Posters have "put up" and now it is time for the OP to "shut up".

The OP clearly doesn't care what people post. This is a TROLL thread and not matter what is posted to refute their inherent claim that there is not such thing as "affordable" insurance, the definitions will simple be changed to support his argument.

 

[Gooberlx2]

Originally posted by: dullard

Originally posted by: Gooberlx2
edit: To be fair, there are relatively affordable plans out there for healthy people (see Amused's link). But what you linked to is barely a plan at all.

It is the only plan people like the OP need. Sure, he can pay $500/month to get all the bells and whistles (an office visit here and there, a few possible preventative proceedures). But, he can also save $470/month and pay for those rare circumstances out of pocket as they arise. As long as you are in your 20s, healthy, and will get on a good insurance plan soon (when he graduates), it is a perfectly fine plan. They have dozens of similar plans as well if you want to pay more. But for the vast majority of people in his situation, that extra money will do better in the bank so he can pay out of pocket if the need arises.

I guess we have different ideas of what a smart health plan should fundamentally include...even for young and healthy people.

I don't know what the cost of a trip to the ER for a broken arm is, but I'm going to guess a few thousand bucks. That plan will only cover $250 of it. If the OP is hospitalized from a car accident he pays $7k, then the plan covers the rest of the in-hospital costs up to $1M, but NONE of the follow-up care. No rehab. No Rx. No follow-up office visits or outpatient surgeries, etc... I mean, the idea of insurance is to prevent from getting in to such financial trouble. An extra $840 per year saved (versus a $100/month plan...assuming it even gets put in a bank acct and not a toy) won't matter much if he racks up many thousands in debt from one accident (even minor ones).

For $100/month the OP could be much better covered.

 

[Amused]

Originally posted by: TruePaige

Originally posted by: Amused

Originally posted by: Thump553

Originally posted by: Amused

Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).

BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).

It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.

Yep, here in illinois a single, 42 year old nonsmoking female I know has an EXCELLENT individual plan from BC/BS that's just $395 a month. That's less than most car payments. No deductable, $20 co pay per visit, $10 prescriptions, and everything she's had has been covered, incuding a recent nasty case of fibroid tumers and all the surgeries to remove them.

If she had opted for a $1000 deductable, she's pay half that a month. No drug plan and much less again. All the plans have a 5 million dollor lifetime limit, and a yearly out-of-pocket limit of $1000.

If you can afford a car, you can afford good health care.

Punch in your stats here and pick your plan.

<a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com............WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il.........rce=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Qu......&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoti...pe=1&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoting/Applicants.aspx?type=1&source=WEBIL00100">https://osc.hscil.com............00</a></a></a></a></a>

The OP has been owned.

Again, the VAST majority of uninsured in the US CAN afford health insurance and opt not to. They rather keep up with the jones than cover themselves. Then bitch and whine when they get sick.

OP has hardly been owned. For this very limited coverage (already explained by others above) the cost for a two person mid-50s couple in CT with 1500/3000 deductible is over $15,600 per year- $1300+ a month for basically catestrophy coverage (and then you are assuming the good graces of Blue Cross not to cut you off/decline coverage/nonrenew or renew at exorbinant rates). You call that affordable-pay all your own "regular" medical expenses per month plus $1300+?

Now wait just a minute. First, the OP wanted health ins for a healthy 20 something. I showed health ins for a healthy 40 something. Now you want to change the requiements again even after I upped them myself?

And her plan covers EVERYTHING. It's far from limited. Preventive, testing, hospital, ER and even prompt care visits. In the years she's had it the rates have increased only with inflation, not even after her fibroid tumor surgeries last year and asthma meds she had to start 3 years ago. She IS paying $400 a month for complete coverage as I explained above.

The OP has been owned, sorry. There it is. Health ins less than most car payments.

Most people drive new 40-50k cars?

Glad you've got the "I'm a rich person so I can afford health care" segment covered.

A car payment on a $20,000 loan is 396.02 a month at 7% intrest over 5 years.

You fail at math.

 

[Phokus]

Originally posted by: Patranus

Originally posted by: Amused

Originally posted by: Thump553

Originally posted by: Amused

Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).

BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).

It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.

Yep, here in illinois a single, 42 year old nonsmoking female I know has an EXCELLENT individual plan from BC/BS that's just $395 a month. That's less than most car payments. No deductable, $20 co pay per visit, $10 prescriptions, and everything she's had has been covered, incuding a recent nasty case of fibroid tumers and all the surgeries to remove them.

If she had opted for a $1000 deductable, she's pay half that a month. No drug plan and much less again. All the plans have a 5 million dollor lifetime limit, and a yearly out-of-pocket limit of $1000.

If you can afford a car, you can afford good health care.

Punch in your stats here and pick your plan.

<a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com............L00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com............WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il.........rce=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Qu......&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoti...pe=1&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoting/Applicants.aspx?type=1&source=WEBIL00100">https://osc.hscil.com............a></a></a></a></a></a>

The OP has been owned.

Again, the VAST majority of uninsured in the US CAN afford health insurance and opt not to. They rather keep up with the jones than cover themselves. Then bitch and whine when they get sick.

OP has hardly been owned. For this very limited coverage (already explained by others above) the cost for a two person mid-50s couple in CT with 1500/3000 deductible is over $15,600 per year- $1300+ a month for basically catestrophy coverage (and then you are assuming the good graces of Blue Cross not to cut you off/decline coverage/nonrenew or renew at exorbinant rates). You call that affordable-pay all your own "regular" medical expenses per month plus $1300+?

Now wait just a minute. First, the OP wanted health ins for a healthy 20 something. I showed health ins for a healthy 40 something. Now you want to change the requiements again even after I upped them myself?

And her plan covers EVERYTHING. It's far from limited. Preventive, testing, hospital, ER and even prompt care visits. In the years she's had it the rates have increased only with inflation, not even after her fibroid tumor surgeries last year and asthma meds she had to start 3 years ago. She IS paying $400 a month for complete coverage as I explained above.

The OP has been owned, sorry. There it is. Health ins less than most car payments.

Exactly.

The OP states in the title of the thread "Put up or shut up."....well, time and time again, links have been provided. Posters have "put up" and now it is time for the OP to "shut up".

The OP clearly doesn't care what people post. This is a TROLL thread and not matter what is posted to refute their inherent claim that there is not such thing as "affordable" insurance, the definitions will simple be changed to support his argument.

Time and time again you idiots have neglected the fine print of these 'affordable' heatlhcare plans. You haven't 'put up' yet. If these plans were so great, you'd think corporations would be snatching them up for the workers, save a SHITLOAD of money, and we wouldn't even be having this healthcare debate.

 

[Amused]

Originally posted by: Phokus

Originally posted by: Patranus

Originally posted by: Amused

Originally posted by: Thump553

Originally posted by: Amused

Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).

BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).

It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.

Yep, here in illinois a single, 42 year old nonsmoking female I know has an EXCELLENT individual plan from BC/BS that's just $395 a month. That's less than most car payments. No deductable, $20 co pay per visit, $10 prescriptions, and everything she's had has been covered, incuding a recent nasty case of fibroid tumers and all the surgeries to remove them.

If she had opted for a $1000 deductable, she's pay half that a month. No drug plan and much less again. All the plans have a 5 million dollor lifetime limit, and a yearly out-of-pocket limit of $1000.

If you can afford a car, you can afford good health care.

Punch in your stats here and pick your plan.

<a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com............L00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com............WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il.........rce=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Qu......&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoti...pe=1&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoting/Applicants.aspx?type=1&source=WEBIL00100">https://osc.hscil.com............a></a></a></a></a></a>

The OP has been owned.

Again, the VAST majority of uninsured in the US CAN afford health insurance and opt not to. They rather keep up with the jones than cover themselves. Then bitch and whine when they get sick.

OP has hardly been owned. For this very limited coverage (already explained by others above) the cost for a two person mid-50s couple in CT with 1500/3000 deductible is over $15,600 per year- $1300+ a month for basically catestrophy coverage (and then you are assuming the good graces of Blue Cross not to cut you off/decline coverage/nonrenew or renew at exorbinant rates). You call that affordable-pay all your own "regular" medical expenses per month plus $1300+?

Now wait just a minute. First, the OP wanted health ins for a healthy 20 something. I showed health ins for a healthy 40 something. Now you want to change the requiements again even after I upped them myself?

And her plan covers EVERYTHING. It's far from limited. Preventive, testing, hospital, ER and even prompt care visits. In the years she's had it the rates have increased only with inflation, not even after her fibroid tumor surgeries last year and asthma meds she had to start 3 years ago. She IS paying $400 a month for complete coverage as I explained above.

The OP has been owned, sorry. There it is. Health ins less than most car payments.

Exactly.

The OP states in the title of the thread "Put up or shut up."....well, time and time again, links have been provided. Posters have "put up" and now it is time for the OP to "shut up".

The OP clearly doesn't care what people post. This is a TROLL thread and not matter what is posted to refute their inherent claim that there is not such thing as "affordable" insurance, the definitions will simple be changed to support his argument.

Time and time again you idiots have neglected the fine print of these 'affordable' heatlhcare plans. You haven't 'put up' yet.

I posted a link to an affordable plan. It's even cheaper for someone in their 20s.

I ALSO posted a link to a plan someone I know has, who has had nothing but excellent things to say about her coverage.

So tell me, phokus, what fine print?

 

[TruePaige]

Originally posted by: Amused

Originally posted by: TruePaige

Originally posted by: Amused

Originally posted by: Thump553

Originally posted by: Amused

Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).

BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).

It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.

Yep, here in illinois a single, 42 year old nonsmoking female I know has an EXCELLENT individual plan from BC/BS that's just $395 a month. That's less than most car payments. No deductable, $20 co pay per visit, $10 prescriptions, and everything she's had has been covered, incuding a recent nasty case of fibroid tumers and all the surgeries to remove them.

If she had opted for a $1000 deductable, she's pay half that a month. No drug plan and much less again. All the plans have a 5 million dollor lifetime limit, and a yearly out-of-pocket limit of $1000.

If you can afford a car, you can afford good health care.

Punch in your stats here and pick your plan.

<a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com............WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il.........rce=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Qu......&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoti...pe=1&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoting/Applicants.aspx?type=1&source=WEBIL00100">https://osc.hscil.com............00</a></a></a></a></a>

The OP has been owned.

Again, the VAST majority of uninsured in the US CAN afford health insurance and opt not to. They rather keep up with the jones than cover themselves. Then bitch and whine when they get sick.

OP has hardly been owned. For this very limited coverage (already explained by others above) the cost for a two person mid-50s couple in CT with 1500/3000 deductible is over $15,600 per year- $1300+ a month for basically catestrophy coverage (and then you are assuming the good graces of Blue Cross not to cut you off/decline coverage/nonrenew or renew at exorbinant rates). You call that affordable-pay all your own "regular" medical expenses per month plus $1300+?

Now wait just a minute. First, the OP wanted health ins for a healthy 20 something. I showed health ins for a healthy 40 something. Now you want to change the requiements again even after I upped them myself?

And her plan covers EVERYTHING. It's far from limited. Preventive, testing, hospital, ER and even prompt care visits. In the years she's had it the rates have increased only with inflation, not even after her fibroid tumor surgeries last year and asthma meds she had to start 3 years ago. She IS paying $400 a month for complete coverage as I explained above.

The OP has been owned, sorry. There it is. Health ins less than most car payments.

Most people drive new 40-50k cars?

Glad you've got the "I'm a rich person so I can afford health care" segment covered.

A car payment on a $20,000 loan is 396.02 a month at 7% intrest.

You fail at math.

You fail at being a normal, competent human being.

You didn't preface that with the loan term or interest rates.

Either way, only someone who already had money would take a term short enough to pay THAT MUCH a month. Also 7% is ridiculous in this economy, very easy to get 0-3%.

Why don't you take a basic class in personal finance before you try and speak, I'm amazed you can pay your bills.