4 ms·

I have noticed several people in my life seeming to vastly overestimate the cost of getting healthcare through the healthcare.gov exchanges. If you leave your j

by wilg 4y ago

I have noticed several people in my life seeming to vastly overestimate the cost of getting healthcare through the healthcare.gov exchanges. If you leave your job, you can just do that. It’s much cheaper than the COBRA price, which I think people are looking at. For many people, it shouldn’t be a huge problem to get insurance this way. (I would still prefer single-payer!)

ceejayoz 4y ago
Depends if you quality for the subsidy or not. Mine's $2400/month (family of four) through the exchange. Going up 10% next year, too.
Tempest1981 4y ago
> healthcare.gov exchanges. It’s much cheaper Interesting... I've heard it's the opposite, price-wise.
- deleted 4y ago
  [deleted]
- ceejayoz 4y ago
  A lot of folks compare the amount they pay in premiums against it, which is a mistake, because that's almost always only part of the cost; employers tend to pay all or some. I ran into someone who genuinely thought their health insurance ran $100/month, because that's how much got deducted in their paycheck.
jrochkind1 4y ago
I'm curious what prices you are seeing and considering no big deal; because I'm not sure if you're seeing different prices than I've seen, or just have a different threshold for what would be a huge problem for most people? I've seen like $600/month for an individual, and this is just kind of ok probably good enough insurance (with a non-trivial deductible). For a family, even more, $1800 or more a month. Again for not great insurance. For me that'd already be a significant problem, but maybe not for an ex twitter engineer? Or maybe if you are a single person in your 20s (or I forget, do they still charge different for different ages post obamacare?), or in a different state than me, it's a lot cheaper?
- ceejayoz 4y ago
  Those are normal prices. https://www.kff.org/report-section/ehbs-2022-section-1-cost-of-health-insurance/ https://www.kff.org/report-section/ehbs-2022-section-1-cost-... > The average annual premiums in 2022 are $7,911 for single coverage and $22,463 for family coverage. People get shocked by COBRA pricing, but it’s literally just your existing plan’s cost plus a max of 2% for administration. The real cost of health insurance is hidden from almost all Americans.
  - jrochkind1 4y ago
    Maybe an extra $22K/year isn't a "huge problem" for the average twitter engineer with a family (although if you have enough to afford it, you probably want better insurance than that not-top-of-the-line $22K/year one), but I am confident saying it would be for most people! Those numbers to me confirm that health insurance is part of what makes it hard for Americans to quit jobs.

by wilg 4y ago

ceejayoz 4y ago

Depends if you quality for the subsidy or not. Mine's $2400/month (family of four) through the exchange. Going up 10% next year, too.

Tempest1981 4y ago

> healthcare.gov exchanges. It’s much cheaper Interesting... I've heard it's the opposite, price-wise.

deleted 4y ago
[deleted]
ceejayoz 4y ago
A lot of folks compare the amount they pay in premiums against it, which is a mistake, because that's almost always only part of the cost; employers tend to pay all or some. I ran into someone who genuinely thought their health insurance ran $100/month, because that's how much got deducted in their paycheck.

jrochkind1 4y ago

I'm curious what prices you are seeing and considering no big deal; because I'm not sure if you're seeing different prices than I've seen, or just have a different threshold for what would be a huge problem for most people? I've seen like $600/month for an individual, and this is just kind of ok probably good enough insurance (with a non-trivial deductible). For a family, even more, $1800 or more a month. Again for not great insurance. For me that'd already be a significant problem, but maybe not for an ex twitter engineer? Or maybe if you are a single person in your 20s (or I forget, do they still charge different for different ages post obamacare?), or in a different state than me, it's a lot cheaper?

ceejayoz 4y ago
Those are normal prices. https://www.kff.org/report-section/ehbs-2022-section-1-cost-of-health-insurance/ https://www.kff.org/report-section/ehbs-2022-section-1-cost-... > The average annual premiums in 2022 are $7,911 for single coverage and $22,463 for family coverage. People get shocked by COBRA pricing, but it’s literally just your existing plan’s cost plus a max of 2% for administration. The real cost of health insurance is hidden from almost all Americans.
- jrochkind1 4y ago
  Maybe an extra $22K/year isn't a "huge problem" for the average twitter engineer with a family (although if you have enough to afford it, you probably want better insurance than that not-top-of-the-line $22K/year one), but I am confident saying it would be for most people! Those numbers to me confirm that health insurance is part of what makes it hard for Americans to quit jobs.