OT: Self Employed Health Insurance Costs and Coverage

[keith smith]

Based on a recent experience, other life experiences, and much reading I would say health insurance premiums are increasing do a great extent based on and the cause of extremely expensive rates is based on the uninsured who utilize and do not pay.

We have a ton of "guests" who use the emergency room as their PCP.  You and I pay for that in many ways.  Directly and indirectly.  It also affects our taxes. 

I know you are going to cry foul.  I think you might change your tune if you had to pay $800 a month for insurance you can hardly use.

The quotes I have been receiving are in the $400 plus range and have a $9000 deductible.  That means I pay $4800 a year plus all medical costs up to $9000.  My out of pocket would be $13,800 before I would get into a 70% / 30% where I would pay up to another $3000 and then the insurance kicks in.  That means I would spend $16,800 before the insurance takes over.

This is all true.


------------------------

Keith Smith

--- On Sat, 8/28/10, Robert Holtzman <holtzm at cox.net> wrote:

From: Robert Holtzman <holtzm at cox.net>
Subject: Re: OT: Self Employed Health Insurance Costs and Coverage
To: plug-discuss at lists.plug.phoenix.az.us
Date: Saturday, August 28, 2010, 5:23 PM

On Sat, Aug 28, 2010 at 02:39:06PM -0700, Lyle Tuttle wrote:
> At 12:16 PM 8/28/2010, you wrote:
> 

              ............snip.........

>     > We have a problem and it needs to be fixed.  I believe in a free market
>     > solution.
> 
>     The health insurance industry has been operating under a free market
>     system forever.
> 
> 
> Sorry - that is not correct.......big brother govt has had their hand in for
> quite some time, messing up the works.

Oh. That's probably the reason rates have *far* outstripped inflation.
Yup, too much regulation. Couldn't be the profit motive.

          .........snip.........
 
> 
> If 100% of the people bought, we would have much lower pricing

That's a feature of the health care package.....the feature that causes
conservatives to have a stroke.

-- 
Bob Holtzman
Key ID: 8D549279
"If you think you're getting free lunch,
 check the price of the beer"

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