Have you considered not signing up for health care insurance under the new healt

Jump to Last Post 1-4 of 4 discussions (8 posts)
  1. ThompsonPen profile image79
    ThompsonPenposted 4 years ago

    Have you considered not signing up for health care insurance under the new health care reform?

    We had an agent come in and talk with us the other day at my job (which does not supply insurance), and he told us that the fine we get if we fail to sign up is 1% of our annual income. If I have an annual income of $20k, that's only $200, vs the plans I saw which had me paying $101-$250 per month with a $30-$50 dr visit co-pay and a $6,0000 deductible. Hmmmmm

  2. junkseller profile image84
    junksellerposted 4 years ago

    When you say "plans you saw," does that mean from the agent? Or from the actual healthcare site? If you aren't looking at the healthcare site, than you may not be seeing discounts for being low-income. Even though the site had problems at first, it was working well when I was last on it, and it is a nice site when working. Everyone should at least take a look at what is available.

    The fees, as I understand it, are the greater of $95 or 1% of one's income for the first year, but those go up. The second year, they are the greater of 2% or $325, the third year it is 2.5% or $695, and then after that are adjusted to cost of living. There are also additions for dependents, maximum amounts, and exemptions. It is not a simple calculation. And even if fees end up being cheaper, you aren't getting anything for them.

    If you are at 20k a year then you should be able to find a plan with much better numbers. I'm at 17k and my plan is $70/month, $10 doctor visit, and a $175 deductible. If someone is showing you plans with a $6,000 deductible, than they are probably a Republican.

    1. ChristinS profile image53
      ChristinSposted 4 years agoin reply to this

      I agree with this.  Don't go through an "agent" - do the research yourself.  If your state has an exchange, you can get very reasonable rates and actually have coverage instead of paying a fine and hoping nothing catastrophic happens to you.

    2. watergeek profile image97
      watergeekposted 4 years agoin reply to this

      Do the insurance plans you've seen so far include therapeutic massage or anything useful to people who are already healthy?

    3. junkseller profile image84
      junksellerposted 4 years agoin reply to this

      There is a non-discrimination clause in the AFA meant to protect alternative practitioners and there is supposed to be some emphasis on wellness, but it wasn't something I was looking at, so can't really say how that translated into reality.

  3. duffsmom profile image60
    duffsmomposted 4 years ago

    We currently have good health insurance but as of Nov. 2014 we will lose that and I will be in the market for good insurance. We'll see then how it's going.

  4. watergeek profile image97
    watergeekposted 4 years ago

    I was seriously considering not signing up at all. I use that money to keep myself healthy, so I don't need medical treatment, insurance, surgeries, medication etc. Considering I haven't had insurance for over 20 years, have not been to a doctor, take no medication except iboprofen once/yr average, I am 63 and very heathy. I was resenting even the thought of giving all my wellness money to enrich insurance companies. I've started seeing it as the medical establishment's way of thwarting the growing wellness lifestyle and related economy, i.e. their competition. I may change my tune, once I start researching it for a hub, but this is key information to know, so thank you.

    1. ThompsonPen profile image79
      ThompsonPenposted 4 years agoin reply to this

      I see you and I have similar ways of thinking. I'd much rather use that money on the organic and healthy foods I eat and taking care of myself over all!

 
working

This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

Show Details
Necessary
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
Features
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Marketing
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Statistics
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)