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Just 1k/month? Some of us have to pay more than that 😞
More like $1.5k/month (covers whole family though).
Wait until you get old. Just me > 50 is $1300/mo with 20% "co-insurance" in addition to deductables
E: Oh, and I'm well under 6 figures, the insurance is 20% of my gross pay.
Surely, unless you have medical issues it cannot be worth $1300/mo + deductible. You could save that yourself and probably get through most emergencies.
(This is statistically speaking, of course in an unlikely serious emergency you might sack up some insane costs.)
It's part of my fringes, I don"t have the option to take it in cash.
I'm just thinking about how literally insane it is that you (and the collective "we") are essentially forced take this coverage because your employers offer and purportedly cover part of the premium. Sure, you could shop around elsewhere but would end up paying full MSRP on premiums, including in the ACA marketplace where you wouldn't be able to utilize any income-based premium credits.
And so you "accept" this coverage (are forced into it because it's the "best" deal you're gonna get) and then have payroll deductions taken out, 1/5 of your pay that could have bolstered some kind of medical savings account, aaaaand after all this they call it a BENEFIT?!
Goddamn, being any kind of worker in the USA where your employer is large enough to require an offer of insurance makes the vast majority of "consumers of health insurance" the captive audience of the entire fuckin rigged industry. Insurance tied to the workplace is such a scam. Anybody who says there is a "free market" within the the health insurance industry is full of stupid.
But why would I want a truly free market for healthcare anyway? I don't want options like I do for buying furniture, running the gamut between IKEA particle board and hand-turned solid mahogany, cheap to bougie and everything in between.
I don't want to settle on the "silver plan" just because I'm fine with mid-tier, real wood-veneered furniture. I want one option and that is the standard of care for whatever health thing is necessary at whatever point.
Single standard, single payer.
I'm so fucking tired of stupid shit like cancer which nobody asks for just ruining people's lives because even if they beat the absolute shit out of the cancer they STILL PAY FOR THE CANCER one way or another, be it with actual money, begging for donations or forgiveness, or simply ruining your financial future with medical bankruptct. Jfc I hate everything about all of this.
exactly
Goddamn, being any kind of worker in the USA where your employer is large enough to require an offer of insurance makes the vast majority of "consumers of health insurance" the captive audience of the entire fuckin rigged industry.
Yup, now you're getting it!
"covers" with 50 asterisks after it
Covers**************************************************
Dang that's a good deal (I'm joking).
I would have to pay ~$1800/mo for just my wife and I for mediocre coverage.