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>>I have a dream that someday the "workplace <-> health insurance" link will be broken in the US. For a few years I thought we might have had a chance, but it s
by otoburb 6y ago
>>I have a dream that someday the "workplace <-> health insurance" link will be broken in the US. For a few years I thought we might have had a chance, but it seems to have become a back-burner issue again.
Does the set of Affordable Care Act healthcare plans that can be purchased by individuals by themselves qualify as breaking the link? I know that they're not all perfect, but it seems like a step in the right direction.
- swagasaurus-rex 6y agoThe costs are just unbearably high. $2000-$4000/mo family plans? It's a mortgage with only downsides and no appreciation.
- mypalmike 6y agoThat seems high. I had an individual plan a couple years ago which was around $300 a month. As I understand, pricing varies widely by state, so maybe that explains the difference.
- sukilot 6y agoIt's about the same cost as work-provided insurance, without having to work for the employer. The upside is you get health care.
- war1025 6y agoIf your employer offers a health plan, you are ineligible for subsidies. As it stands now, I think the last I checked a family plan costs ~$3k / month for me. If I qualified for subsidies, I could get the same plan free. And I think that was also factoring in my current income, only changing whether my employer offered a health plan. Edit: Looked it up. In November 2019, the cheapest family plan available on the marketplace in my area was a "Catastrophic" level plan with a $16,300 total deductible for $1217.90 / month.