4 ms·

I'd prefer to not get into a political discussion, but once I get on a health care plan, my full premiums will be subsidizing others, so where's my money back w

I'd prefer to not get into a political discussion, but once I get on a health care plan, my full premiums will be subsidizing others, so where's my money back when I don't use any of my health care benefits? Also, you think it's fair that somebody who makes $55,000 pays the same amount for health insurance as somebody that makes $500,000 a year?

toomuchtodo 10y ago
Let's not get into politics then. At your income level, you're not getting subsidies. You can either pay the IRS penalty, around $2k at what I'm estimating your income at, and cash for whatever health expenses come up, or you can seek out a religious organization who will give you a waiver if you join their program (note: the healthcare that can be provided through such a financial program is probably not what you're going to prefer when the time comes for your healthcare needs to be addressed, caveat emptor). Another option is to move out of the country before the end of the month; you're not required to be insured if you live outside the US at least 330 days/year. You could also look at a cheaper bronze HDHP plan instead. EDIT: > Also, you think it's fair that somebody who makes $55,000 pays the same amount for health insurance as somebody that makes $500,000 a year? Not at all! I'm just telling you your options. Don't like it? Quit your startup and go into politics. Good people need to grind day and night to fix things like this. Your fight is not with me. The situation in general sucks, and I am genuinely sorry about your frustration with your healthcare insurance costs. I thought we weren't getting into politics though (re: your edit adding the last line).
PhantomGremlin 10y ago
where's my money back when I don't use any of my health care benefits? I don't think you've fully grasped the concept of "insurance".

4 ms·

I'd prefer to not get into a political discussion, but once I get on a health care plan, my full premiums will be subsidizing others, so where's my money back w

by nodesocket 10y ago

toomuchtodo 10y ago
Let's not get into politics then. At your income level, you're not getting subsidies. You can either pay the IRS penalty, around $2k at what I'm estimating your income at, and cash for whatever health expenses come up, or you can seek out a religious organization who will give you a waiver if you join their program (note: the healthcare that can be provided through such a financial program is probably not what you're going to prefer when the time comes for your healthcare needs to be addressed, caveat emptor). Another option is to move out of the country before the end of the month; you're not required to be insured if you live outside the US at least 330 days/year. You could also look at a cheaper bronze HDHP plan instead. EDIT: > Also, you think it's fair that somebody who makes $55,000 pays the same amount for health insurance as somebody that makes $500,000 a year? Not at all! I'm just telling you your options. Don't like it? Quit your startup and go into politics. Good people need to grind day and night to fix things like this. Your fight is not with me. The situation in general sucks, and I am genuinely sorry about your frustration with your healthcare insurance costs. I thought we weren't getting into politics though (re: your edit adding the last line).
PhantomGremlin 10y ago
where's my money back when I don't use any of my health care benefits? I don't think you've fully grasped the concept of "insurance".