raydawg wrote on 07/11/17 at 11:50:39:


Yep - insurance is much more complicated than people think (spoken like our "great" leader... sorry, no more snark.)

Are you going through the ACA site for your state?

If you're retiring, wouldn't that allow you to get more benefits (reduced rates) via ACA?

Can medicare play a part?

You've been paying in all these years, hit up every government avenue you can to get more info/support.  


In my state (IL), the exchanges are set up pretty well.  Every year at open enrollment, I go through the exercise of getting an estimate based on my income.  What's offered through ACA is a few dollars more per month than what I pay through my company.

That being said, the plan I select has all the comparable deductibles and caps that my work plan has - however, wellness checks through the ACA have no co-pay/visit, whereas my current plan has a $15/visit.  Not really a big deal.

So much for my experience.  Yours will obviously vary.

be careful with those HSA's, some are per year and don't carry over.

T And T Garage wrote on 07/14/17 at 13:06:22:


Nothing yet, I could take a leave of absence from work, not sure how far out they would let me e tend it.... 6 months, maybe, a year would be great.
I would have to retire at the end of it, and I would earn I income, but I would only have to pay my 140 bucks a month for my current healthcare package.
It would help NOT having any income, as we get heavy on taxes now.

Also saw where Cruz was suggesting a pre tax purchase HSA program.
That would work.
The one my wife has now is accumulating, does not end at years end, but grows. It doesn't generate any interest tho on unused balances...
That's ok, if it offsets cost

What use to work before all of this?

Seems too many folks are trying to get rich off of medicine perhaps.
Why does it cost so much money to become a doctor?
Seems we could treat medicine like we do other social services perhaps.
Why can't we have a system like pretty much everything else is in this country.......
One that provides basic services, not breast implants, etc, but basic coverage and ER care.
Then private coverage at a cost for those who want it, AND, can afford it?
Seems trying to address the issue with one size fits all under the banner of fairness, isn't going to work.
Give those on the "bottom" a chance, however, to better themselves through school, etc, IF.....they will only apply themselves.

I am not talking those who have a real illness, limitation, but of a person who can't work because they weigh 400 pounds and do NOTHING about it but collect welfare and get fatter.
I do NOT, know how many, or much, fits under that umbrella, but it should be obvious, AND, a start.
Smokers, druggies, etc, should NOT get supplemental income, or medical care UNLESS, they participate in programs to really FIX them and to stop the cycle of dependency.
To continue to enable folks who just don't "pull the wagon" is wrong, plain and simple.
Not to mention it takes the focus off of real repair and needs.
Lets promote things that pay our society dividends and befits, for a change, what have we got to lose.....
This demagoguery of "tuff love" is only using them to advance yourself, at a great harm to our nation.

Why not buy medicines from another source, if ours are too much?
It really doesn't seem like it should be that hard to design a system, well, unless you are trying to protect your campaign donors.

raydawg wrote on 07/18/17 at 09:07:48:


Very true - medicare for all is totally viable.  But you know who hates that - insurance companies.

Make it free and people will be in the emergency room for a bandaid.

What mechanism creates the wealth that pays for it?
Daddy can't tax junior's allowance and pay the bills. With America working from deficits in trade and going deeper and deeper into debt, just exactly how will it be paid for?
It's not like we are Libya and the income from oil will make our lives easier.