I’m communicating I cannot afford ACA healthcare, you all keep throwing out the $61k/year salary. I did the math, even if I hadn’t lost however much unpaid time off to depression this last year, the most I would have made between my salary and my disability was $58k.
When I put all of this information into my states ACA marketplace back in August of this year at the behest of my therapist, I was told I qualified for plans via subsidies, but made too much to just qualify for the state’s plan.
The first plan I found that I felt was reasonable, reasonable, not good, just reasonable, was just under $400/month with the subsidy, didn’t have my therapist in network, and still had a $6k+ deductible. The cheapest plan had a deductible over $10k, and cost around $260ish a month.
I can’t afford that, I’m sorry, between my mortgage, my car, insurance, utilities, bills, food, gas, credit card debt, etc, I don’t have an extra $260-$400 a month for health insurance. I just don’t, I’m sorry, wish I was as financially astute as everyone else on here seems to be, so I guess just fuck me.
But I’m not, hence why I think the ACA being held aloft like some grand triumph is a joke, especially considering John Oliver even has a segment on the Medicaid gap, and how people who should be covered aren’t due to a myriad of reasons.
Best health insurance I ever had was Tricare, which is literally what America should have, and is arguably one of the largest socialist programs in the US. We did single payer already, for the military, and it’s amazing. The ACA are the crumbs the liberal elite felt we deserved, and I will never not be pissed about it when I’ve seen we know how to do it right.
I did the math, even if I hadn’t lost however much unpaid time off to depression this last year, the most I would have made between my salary and my disability was $58k.
I keep throwing that number out there because I don’t have your specific info, and from the general info it looks like under $61k you should get subsidized, but you’d communicated you weren’t. I’m also not asking you to disclose your private information on the public internet. I respect your privacy.
The cheapest plan had a deductible over $10k, and cost around $260ish a month.
$10k deductible is usually considered “catastrophic” coverage. Its not supposed to be use to cover day to day health needs. It is designed for the young and generally healthy that don’t consume lots of health care, but want to be covered if they have a catastrophic event that would otherwise cost them hundreds of thousands or millions in medical bills.
But I’m not, hence why I think the ACA being held aloft like some grand triumph is a joke
I’m sorry you are not benefiting from directly, but do you understand for many it has been a game changer for the better? Not every change is going to benefit each person equally. I’ll be the first one to say the ACA is FAR from perfect, but compared to what we had before it was better and a step in the right direction.
Best health insurance I ever had was Tricare, which is literally what America should have, and is arguably one of the largest socialist programs in the US.
I have only a little bit of knowledge of Tricare, but everyone I know that has it loves it. I’d be on board for that for everyone too. Does this mean you were in the military? I’m really beyond my knowledge now, but does that mean you would have VA health coverage (which I know has its own flaws)?
I live in a blue state in the Northeast, we went to Harris, and we’ve had a Democratic governor since at least the mid-2000s.
So am I allowed to complain?
Did you miss the “if so” in my post?
You’re communicating you’re making over $61k/year and saying you can’t afford an ACA approved healthcare policy, correct?
I’m communicating I cannot afford ACA healthcare, you all keep throwing out the $61k/year salary. I did the math, even if I hadn’t lost however much unpaid time off to depression this last year, the most I would have made between my salary and my disability was $58k.
When I put all of this information into my states ACA marketplace back in August of this year at the behest of my therapist, I was told I qualified for plans via subsidies, but made too much to just qualify for the state’s plan.
The first plan I found that I felt was reasonable, reasonable, not good, just reasonable, was just under $400/month with the subsidy, didn’t have my therapist in network, and still had a $6k+ deductible. The cheapest plan had a deductible over $10k, and cost around $260ish a month.
I can’t afford that, I’m sorry, between my mortgage, my car, insurance, utilities, bills, food, gas, credit card debt, etc, I don’t have an extra $260-$400 a month for health insurance. I just don’t, I’m sorry, wish I was as financially astute as everyone else on here seems to be, so I guess just fuck me.
But I’m not, hence why I think the ACA being held aloft like some grand triumph is a joke, especially considering John Oliver even has a segment on the Medicaid gap, and how people who should be covered aren’t due to a myriad of reasons.
Best health insurance I ever had was Tricare, which is literally what America should have, and is arguably one of the largest socialist programs in the US. We did single payer already, for the military, and it’s amazing. The ACA are the crumbs the liberal elite felt we deserved, and I will never not be pissed about it when I’ve seen we know how to do it right.
I keep throwing that number out there because I don’t have your specific info, and from the general info it looks like under $61k you should get subsidized, but you’d communicated you weren’t. I’m also not asking you to disclose your private information on the public internet. I respect your privacy.
$10k deductible is usually considered “catastrophic” coverage. Its not supposed to be use to cover day to day health needs. It is designed for the young and generally healthy that don’t consume lots of health care, but want to be covered if they have a catastrophic event that would otherwise cost them hundreds of thousands or millions in medical bills.
I’m sorry you are not benefiting from directly, but do you understand for many it has been a game changer for the better? Not every change is going to benefit each person equally. I’ll be the first one to say the ACA is FAR from perfect, but compared to what we had before it was better and a step in the right direction.
I have only a little bit of knowledge of Tricare, but everyone I know that has it loves it. I’d be on board for that for everyone too. Does this mean you were in the military? I’m really beyond my knowledge now, but does that mean you would have VA health coverage (which I know has its own flaws)?