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How Much Are You Paying For Health Insurance ?
qwueri 
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32 / M / TN
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Posted 1/7/17
I pay $85 a month for a plan with a stupidly high deductible, but it's still about comparable to the lowest possible price my employer offers.
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45 / M / WA
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Posted 1/7/17

AnimeAddictANN69 wrote:


dougeprofile wrote:

Zero, as I am healthy so far; don't have ACA and won't pay the fine - since they could only take the refund I made sure there will never be one.


they will include the penalty in your taxes.. so there's no way of "won't pay the fine"

unless you have no income to start with.. but then you would be entitled to medicaid/medical

i think for 2017.. the penalty is 2.5% of annual income? .. of which will be stacked on to your income tax..


I don't want or need assistance from the government dole. The only means the IRS has (according to their own website) of collecting the fine/tax is deducting if from my refund; as there will never be a refund it will not be paid ...ever. I file a declaration form every year with the IRS. I will buy insurance when I decide to, it will contain the coverages I determine - not an unconstitutional mandate by some bureaucracy. So you are wrong, it has not and will not be included in my taxes nor will it be paid.

Who knows what form the Unaffordable Care Act will take in the coming years, the "mandate" is unlikely to survive anyway.
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23 / M
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Posted 1/7/17
My employer pays $200 every two weeks, and I pay $25 every two weeks. I also have an HSA account which my employer puts $10 in per month. About $2 for dental, and vision is covered by my employer as well.
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40 / M
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Posted 1/7/17
I pay $50/month and put $70/month into an HSA. The deductible is $1800, after which there are some small co-pays on medications, but that is all. My dental is paid 100% by my employer, as is vision. The medical costs my employer about $400/month. They also cover half the deductible.
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Posted 1/7/17
I have health insurance through my employer. I carry my husband on my plan. We went with the highest tier this year, Platinum, as we're trying to start a family and the maternity coverage for platinum is awesome ($25 co-pay for each well-care visit and $500 for hospital birth, all expenses included). Roughly $200 a pay period (I get paid bi-weekly) so $400 a month for coverage for the both of us. But that includes medical, dental, vision, and prescription coverage. I work for a hospital (I'm a registered nurse), so as long I go there for care in the need of hospitalization (for something other than childbirth) my insurance will cover all but 20% of the cost. Our deductible is $1800...but thanks to platinum coverage as long as we use an in-network hospital (basically the one I work for, lol) it's essentially waived once everything is processed through the billing department.
Posted 1/7/17
my employer has me covered I can remember not having ins. and how difficult that was.
4322 cr points
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Posted 1/7/17

dougeprofile wrote:



I don't want or need assistance from the government dole. The only means the IRS has (according to their own website) of collecting the fine/tax is deducting if from my refund; as there will never be a refund it will not be paid ...ever. I file a declaration form every year with the IRS. I will buy insurance when I decide to, it will contain the coverages I determine - not an unconstitutional mandate by some bureaucracy. So you are wrong, it has not and will not be included in my taxes nor will it be paid.

Who knows what form the Unaffordable Care Act will take in the coming years, the "mandate" is unlikely to survive anyway.


um.. isn't that pretty much your income tax?

people like me don't get refunds each year.. since instead of giving the government an interest free loan for 1 year.. and them giving you back the portion they overtook back to you .. we will have to pay them the amount required for the year before the tax deadline.. thus adding the ACA penalty as well


it's been a while since i got a tax refund.. but back then i adjust the % to the point that each year i'll get back aroudn $100 -$200..

since i rather have more money in my pockets instead of giving them an interest free loan with my money..
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45 / M / WA
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Posted 1/8/17 , edited 1/8/17

AnimeAddictANN69 wrote:

um.. isn't that pretty much your income tax?

people like me don't get refunds each year.. since instead of giving the government an interest free loan for 1 year.. and them giving you back the portion they overtook back to you .. we will have to pay them the amount required for the year before the tax deadline.. thus adding the ACA penalty as well


it's been a while since i got a tax refund.. but back then i adjust the % to the point that each year i'll get back aroudn $100 -$200..

since i rather have more money in my pockets instead of giving them an interest free loan with my money..


I made sure not to over pay; unlike other taxes the ACA forbids the IRS from using its normal means of collection, thus I refuse to pay ...and there is nothing they can do about it (I ignore the ACA line on my 1040) - unless they make up some new rule, with them one never knows.

It is simply an unconstitutional abuse of power for the government to compel someone to purchase a product.

4322 cr points
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Posted 1/8/17

dougeprofile wrote:


I made sure not to over pay; unlike other taxes the ACA forbids the IRS from using its normal means of collection, thus I refuse to pay ...and there is nothing they can do about it (I ignore the ACA line on my 1040) - unless they make up some new rule, with them one never knows.

It is simply an unconstitutional abuse of power for the government to compel someone to purchase a product.



well.. they are already doing it for how many years now ?

unconstitutional or not.. soon or late we will see more of them .. depending on which side is in the oval office..

maybe dental or vision insurance will be shoving down our throats as well..
Posted 1/8/17
Not a huge amount. Payroll deductions.
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21 / M / Bundaberg, Queens...
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Posted 1/8/17
Nothing
48129 cr points
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Posted 1/9/17
I pay 50 dollars a month for health insurance, my employer covers the rest(I think total is 180) and have a out of pocket max of 5000 so max amount I could conceivably pay for health care if I kept my plan would be between 7000-8000 dollars a year max.

For those of you in Canada, you technically are paying for health care at a rate between 10-20% of your income depending on how many people you are supporting(and how much money you make) baseline lowest tax level is 9.9% for single person.

As far as my thanks Obama moment, the ACA is honestly the worst of both worlds between market driven healthcare and single payer you get all the downsides of both systems with none of the benefits of either.

Sure more people are "Insured" then used to be(although anecdotally I know more people who are opting to pay the penalty because of how fast costs have risen) but more people are on high deductible plans that are really effectively useless and would be better off paying the 80-100 dollars for their semi-annual office visit out of pocket. (or the occasional 2000-3000 for broken arm etc and yes I have paid for one out of pocket before)

Anyway the advantage of a single payer system is that you get rid of billing departments which is between 20-30% of the cost of US healthcare, and you also get rid of all up front costs for the patients. But you do see a noticeable decline in quality, speed of service, and innovation. Example tons of people come to the US to have major surgery or cancer treatment here(especially the wealthier people) the reverse is absolutely not true. Which is why almost all medical journals and new medicines are written/developed in the U.S(note I said Almost all not all) Because people work best in general when they are working for themselves.

The advantages of a free market system(Which the U.S. does NOT have as I mentioned earlier we have a horrible hybrid system that encapsulates the worst of both worlds) is that you have competition keeping prices low and driving innovation I.E. if you can figure out to offer a service better and cheaper than your competitor you win.
The downsides are that Free Market health care will refuse people due to lack of Money and depends on private charities to cover the poor.

Ultimately as far as market vs single payer goes, I do prefer free market as you can't long suppress a market truth and the market will exist and "ration" the health care as there is a finite supply of it.
So either it can be rationed by Money, Time(as in waiting lists to see a Dr), or Quality and I personally feel Money is the best system to ration with in this case.
4322 cr points
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Posted 1/11/17



i'm keeping an eye on what they will do with healthcare under Trump's presidency.


i hope it will not get worst..

i hate being forced to pay for something/service that i don't even use..
22866 cr points
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The White House
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Posted 1/11/17
What health insurance?
36085 cr points
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27 / M / San Diego, CA
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Posted 1/11/17 , edited 1/11/17
About $60 each paycheck so $120 a month but it includes dental and vision. Not too bad especially if it's what I'm also paying for car insurance lol although I might take better care of my cars than myself
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36 / M
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Posted 1/11/17
I have the cheapest line of the 3. Costs $60 per check so $120-180 per month. Dental another $20 I think, and vision another $5 maybe. I use the dental, but it would be cheaper paying out of pocket for dental than having the dental insurance....by far...I haven't used the vision because it is confusing. And I don't use the health as the coverage starts after $10k I think.

I had better insurance when I worked at Taco Bell in high school. Only cost $13 a check, another 5 for dental and 1.20 for vision. And I could actually get use out of all 3, though still never used the health portion. Never sick and all. My how things change in 15 years
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