Health Care Act
by, 13-Mar-2014 at 22:22 (539 Views)
Well, I started the process of getting Obamacare. Got all the way to choosing a plan and then decided it makes more sense to just pay the fine!
We qualified for a $239 tax credit which brings the cheapest one in our state to $155 per month, which is not bad, but with a group deductible of $12,700 ($6000 per person max) per year! No copay until the deductible is met! So that means, if we need to go to the dr for a broke finger, the flu, chicken pocks, strep throat, etc we would be out of pocket for the visit and paying the total bill. And, no prescriptions covered until meeting the deductible!
So that $155 only keeps us from getting fined pretty much, unless something really serious happens like a broke arm, leg, or something like that, but still nothing paid before that!
I really don't like paying for something I can't use. I know car insurance is sort of like that but not with such an unbelievably high deductible before they cut me check!
To actually make a dent in anything, I would have to go up to the silver package of $339 per month! Can't afford that! Can barely afford that cheaper one!
We live paycheck to paycheck! Have no savings and they don't take into account that we also pay a mortgage on a single-wide trailer house, a car payment, electricity, water, gas, car insurance and groceries! Guess we don't really need to buy any of that stuff! Sure we also have a couple of other luxuries, a couple of cell phones with just the basic stuff, and yeah we have satellite on our 32" TV on the lower end of the packages, and wireless broadband but it ain't the fastest! But no problem cutting those off, nothing on TV anyway! And I hate talking on the phone, so no need for that really!
The rest of our money goes to the kids sports. Both my girls play soccer and we have to travel 4 hrs away to play games every other weekend! We drive up, play the games, drive home, no overnight stays! Hope they are going to be good enough to get them a scholarship because we won't be able to help them pay for college!
Anyway! Just frustrated with this stuff! I know we could really use insurance if it was going to make a dent in the once a year checkups for the kids and they usually get strep throat once a year or the flu from the kids at school who wipe their boogers everywhere, and was looking into it before but really struggling to budget for it. And maybe dental to help look after the kids teeth. We will have no choice I guess now!
Oh Well! Rant over!