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that’s brutal as a sole prop with a family. That’s the thing though, if you can’t afford it no one can. I can your understand your frustration. I have the same kind of frustration considering mine is going up. What can you do. No matter who you choose they’re gonna spend your $$ on their friends
Personally, I would try to avoid a non-covered bill (i.e. one that's not negotiated by an insurer and so may be super expensive)... I think you're better off on getting on health insurance and receiving some sort of preventative care. The ER may be okay for a broken arm, but it's not effective for managing diabetes or high blood pressure. If you're near the federal poverty line, Medi-Cal is likely free. ACA (Covered CA) plans are the next cheapest option, and HMO plans (e.g. Kaiser) will be more affordable. An employer group plan (if available) is often a very good option even if you still have to pay some or all of the premium - the reason being that your employer can usually negotiate better insurance rates.
I get it, I'm in the same bracket and I don't feel rich at all. That said, the numbers I posted before are real and the bronze plan for a family of 4 is like 800 bucks without subsidy. I don't really care if you have insurance or not but what the GOP are trying to do is make it even worse. Eventually you will get old enough and you will have to have insurance because you will have health issues to deal with. The median income in CA is 75k, and that's family not individual. So 50% of the state is making less than that. There's no reason to make healthcare out of reach for those people, or even people in your income level.
Oh I think the cost is "passed" over to a collection agency. Of course, they may not get anywhere- but they'll sure try.The other reality it that if someone does not have health insurance, an emergency department cannot deny them care and those costs are passed onto insurance plans. Or when they're older and Medicare has to pick up the pieces from a life of deferred healthcare, we the taxpayers foot the bill for more intensive care. So feigning the unaffordability of health insurance is a non-sequitur. Those who do not have health insurance burden those of us who do - which is why we need universal healthcare.
The government will still charge us the same taxes, but by cutting healthcare (or any other social services for that matter) we'll get less in return... doesn't sound like a good deal to me. If you already accept the mortgage interest tax credit, why not accept a tax credit in your healthcare too?
It’s not $800 but it will get worse, not better.
Exactly. So the hospital spent the money caring for an uninsured ER patient, but they still need to make money to operate. And so they raise the cost of care for people who have health insurance.
I messed up the calculator, 800 is for two adults on the bronze plan with no subsidy, it's 1000 for the silver with no subsidy for 2 adults no kids.
it’s a systemic issue.
I’m going to assume he’s done his research but I would think the cost is about $2000 for 4 on bronze
it happens.
The thing is that judging from your comments you are a small business owner/contractor. This puts money into the economy to spend at your business. You will not lose money from this or other government spending, that's not how it works. Gov spending is stimulating to the economy. Obviously there's a limit but the concept is simple, people with 500 extra dollars a month to spend can now spend it in the economy rather than to the bank where it goes to the yacht fund.
1600 for 4 on bronze. Obviously a lot of freaking money but it's half of what was stated initially at 3500 plus a big deductible. 1800 a month is the absolutely out of pocket maximum for a family so that includes deductibles etc. It can't legally be higher than that for a family.
I'm biased. I work in it, and I'm a caregiver for a family member with a lifetime of deferred health issues... They thought they were too poor to afford healthcare their whole life, and now they've got a huge pile of money in the bank and days or weeks to live. That's not the way. We shouldn't let the gov't trick us into believing we should give up whatever healthcare we've got in order to "pay down" the national debt (because it ain't getting paid down - as we've discussed at length in other threads). It doesn't matter if we feel rich, it matters what we do with our money... and skimping on healthcare isn't smart spending, imo.
