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Health insurance: removed, to personal

rasburyrasbury Member Posts: 8,238 ✭✭✭✭✭
edited May 2022 in Non-Boating Related
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    Black_DiamondBlack_Diamond Member Posts: 5,439 ✭✭✭✭✭
    I’ll bet most of that increase was due to your employer having you contribute more....

    Past owner of a 2003 342FV
    PC BYC, Holland, MI
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    rasburyrasbury Member Posts: 8,238 ✭✭✭✭✭
    edited May 2022
    Removed
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    boatman37boatman37 Member Posts: 798 ✭✭✭
    I pay $1022/month for me and my wife. My employer pays 75% of my portion. If we had a kid on it (kids are grown and on their own) it would be $1750/month. Talked to an agent about getting insurance through another company on my own and was told if my income was over a certain amount I couldn't get it any cheaper. Based on that it sounds like the more you make the more they charge. Even on healthcare.gov it was about the same cost. Back before Obamacare I used to pay about $350 for a whole family.  
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    PickleRickPickleRick Member Posts: 3,886 ✭✭✭✭✭
    Way back in the Bush then Clinton years my dad payed about 5 bucks a week through G.E.
    for the entire family plus dental.


    Car insurance has also changed greatly. During the baby Bush years i paid about 250 every six months for full coverage insurance for a 1986 land cruiser.

    Doesn't seem to matter who's in the Oval office, insurance companies are going to screw us. 

    The more they have to pay out the more we have to pay.  Do we really have an option to not pay?






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    aero3113aero3113 Member Posts: 8,797 ✭✭✭✭✭
    Speaking of car insurance, Travelers gave me a $21 credit each month for stay at home because of COVID-19.
    2008 330EC
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    boatman37boatman37 Member Posts: 798 ✭✭✭
    edited May 2020
    When I said I pay $1022 that is just for healthcare. Not dental or vision. That would be about another $100/month. I have coverage through my wife for that for much cheaper. I cannot get health insurance through her so have no other choice. My company offers higher deductibles but even the $15,000 deductible was about $850/month and didn't cover office visits at all and that is about the only thing we use on it.
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    rasburyrasbury Member Posts: 8,238 ✭✭✭✭✭
    edited May 2022
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    trip_ntrip_n Member Posts: 747 ✭✭✭
    900 a month for 2 = main reason my wife works and were able to put max in her 401k
    when she gets her paycheck she has a hard time = i have to remind her of insurance n 401k
    american family gave us 50 a car back
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    WillhoundWillhound Member Posts: 4,185 ✭✭✭✭✭
    edited May 2020
    One of the main reasons our gas and booze is so much more expensive in Canada. Eye care and dental are only covered by public health insurance for minors and seniors but all other Doctor and hospital visits covered. My Dad recently had a double bypass and they even paid his mileage and hotel rooms to travel to the hospital because of the distance. Pays zero.
    Now, having said that, our personal income tax can be as high as almost 50% for top earners.
    "Knot Quite Shore" - 2000 FV270 (Sold)
    2018 Cherokee 39RL Land Yacht (Sorry...)
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    Handymans342Handymans342 Member Posts: 10,375 ✭✭✭✭✭
    300 a month,1000 deductible for 2. 😀
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    Aqua_AuraAqua_Aura Member Posts: 2,535 ✭✭✭✭✭
    0 dollars a month and 0 deductible for my wife and I. That's all from her job. Even when we had my works insurance it was less than $300 a month for both of us. 
    1997 Bayliner 3988
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    GMSLITHOGMSLITHO Member Posts: 1,559 ✭✭✭✭
    Before my wife’s company offered health insurance at $700 a month ,being self employed I was paying ...........get ready ........ $ 3800 PER MONTH aback in 2000 I had 8 people on the payroll and 2 of us had family plans.  $800 per month 
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    rasburyrasbury Member Posts: 8,238 ✭✭✭✭✭
    edited May 2022
    Political
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    rinker270nbrinker270nb Member Posts: 207 ✭✭✭
    I haven't met Ras, is he a millennial?  (All in good fun.). Come to Illinois, I'll show you how bad costs and taxes are.
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    IanIan Member Posts: 2,778 ✭✭✭✭
    I pay around $600 a month for the 2 of us that has a $3000 deductible before going to 20% copay. After another $5000 out of pocket then it’s 100% coverage. I’ve hit the 8k marks for the past 3 years due to son (now off) ski injury in 2017, then admiral shattering the top of her tibia in 2018 so I got one rotator cuff done for free. Last year she had more follow on work on knee so I did the other shoulder.

    Hopefully not up there this year.

    Regards,

    Ian

    The Third “B”

    Secretary, Ravena Coeymans Yacht Club

    https://www.rcyachtclub.com/

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    boatman37boatman37 Member Posts: 798 ✭✭✭
    rasbury said:
    Handy, are you on obama  care for that kind of money? My work pays most of mine or so they tell me but gets a little mirky....

    I looked into Obamacare. Just for 2 of us the cheapest plan they had was about $800/month and I think that was a $13,000 deducible. I think the $8000 deductible was About $950. I just started with this company at the end of December so was looking all around back then so these prices were fairly recent. That was based off of my 2019 salary. I got an $18,000 pay bump with this job so it might be even higher than as I based the Obamacare off of last years income. And yeah, $18,000 is nice but after taxes that's about $12,000. I used to pay $350/month with my last company so of that $12,000 increase I got about $8500 of that goes to my healthcare increase.
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    rasburyrasbury Member Posts: 8,238 ✭✭✭✭✭
    edited May 2022
    Political
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    rasburyrasbury Member Posts: 8,238 ✭✭✭✭✭
    edited May 2022
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    GMSLITHOGMSLITHO Member Posts: 1,559 ✭✭✭✭
    Term limits 
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    rasburyrasbury Member Posts: 8,238 ✭✭✭✭✭
    edited May 2022
    Political comments not allowed.
    Post edited by rasbury on
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    boatman37boatman37 Member Posts: 798 ✭✭✭
    rasbury said:
    Don't that just suck @boatman37...and what we will see happen again is the middle class will continue to shoulder the burden if taxes and healthcare costs- this bailout today will not be free- you have billions going to large companies that will not be paying it back and also pay little taxes.

    It does. A co-worker has her family on it. her, husband, and 2 kids. She got an $18000 bump but her net pay is the same after paying her healthcare. She was paying about $400/month and now is paying about $1750/month. I don't know the exact difference but she was afraid she would actually bring home less after the $18,000 pay increase. I'm sure most of that is because the new company doesn't have as good of a plan as the old company but to have to pay $1750/month for healthcare is outrageous. Many people don't even net that much. I know she is making $85,000/year with this new company so about 25% of her pay goes to healthcare (before taxes). Probably closer to 35-40% of her post tax salary goes to healthcare. So if you made $50,000/year then about 60% of her post tax pay would go towards health insurance.
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    rasburyrasbury Member Posts: 8,238 ✭✭✭✭✭
    edited May 2022
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    boatman37boatman37 Member Posts: 798 ✭✭✭
    Agreed. And if I remember correctly after 1 term they have lifetime healthcare even if they leave after their term is up.
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    rasburyrasbury Member Posts: 8,238 ✭✭✭✭✭
    edited May 2022
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    Lake_BumLake_Bum Member Posts: 928 ✭✭✭✭
    So....to sum all of this up. 

    Thanks Obama. 
    2000 Captiva 232 
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    Handymans342Handymans342 Member Posts: 10,375 ✭✭✭✭✭
    Lake_Bum said:
    So....to sum all of this up. 

    Thanks Obama. 
    He is going to Jail over the Flynn thing LOL
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    WillhoundWillhound Member Posts: 4,185 ✭✭✭✭✭
    Not picking political sides here, but as an impartial observer from outside and in a country that enjoys universal healthcare, I'd say that when Obama first started talking about introducing mandatory health insurance it was widely seen (in Canada anyway) as a positive step forward that should have been of particular help to lower income folks who couldn't afford proper health care or insurance. Where it went sideways was massive resistance from large corporations and the wealthy who saw it as cutting into their profits and/or causing higher taxation. Not to mention the opposition in the other side of the house in government. As a result you ended up with a massive compromise to get it passed and at a much higher cost with the idea that there would be at least something in place that could eventually be morphed into something more affordable. And the resistance by large health insurance companies that went to court and won the right to a public/private insurance system. But then the government changed so making changes was impossible. The other issue is the prevalence of private, for profit healthcare in the U.S.
    The majority of healthcare, particularly hospitals in Canada are government run and/or mandated with caps on allowable costs and budgets.
    Now, I won't pretend our system is perfect, wait times have gone up a bit, however there is a pretty good system in place for getting life threatening cases looked after relatively quickly. When my Dad's heart specialist decided he needed a double bypass it was about a month between diagnosis and surgery. And there are concerns that budgets need to be increased as older hospital infrastructure needs upgrading and capacities increased but this would require higher taxes which again are being resisted by large corporations and the wealthy.
    So, as always, "Life is like a sh!t sandwich. The more bread you have, the less s!t you have to eat....
    "Knot Quite Shore" - 2000 FV270 (Sold)
    2018 Cherokee 39RL Land Yacht (Sorry...)
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    Aqua_AuraAqua_Aura Member Posts: 2,535 ✭✭✭✭✭
    edited May 2020
    .
    1997 Bayliner 3988
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    GMSLITHOGMSLITHO Member Posts: 1,559 ✭✭✭✭
    He is going to Jail over the Flynn thing LOL     I HOPE SO 
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    boatman37boatman37 Member Posts: 798 ✭✭✭
    Well the U.S. government has a strong track record of really screwing up anything they take over. Private business is what makes capitalism work and when government interferes with that it screws the whole system up
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