4 ms·

In the us there's obama care before age 65. I bet a lot of gen x programmers are thinking if they have 7 or 10 years till 65, and they retire in late 50s, how w

by rnk 3y ago

In the us there's obama care before age 65. I bet a lot of gen x programmers are thinking if they have 7 or 10 years till 65, and they retire in late 50s, how will they cover retirement until then (when they might take social security & medicare). That reminds me, vote for politicians who want to make sure social security and medicare and ACA will be around when we all retire, instead of the foolish ones who want to end these programs without any replacements. We can continue to pay for it all with tiny tax increases. We've under-taxed ourselves with paying more than the system affords to the previous retired generation.

Clubber 3y ago
Obamacare sucks if you are anywhere above "barely scraping by." The annual deductibles are really high too. $9,100 a year will break someone making $50K a year. I wholeheartedly supported it when it was passed, but it just ain't good. More damage to the middle class who pays for it with higher premiums. >In 2023, you'll typically be eligible for ACA subsidies if you earn between $13,590 and $54,360 as an individual, or between $27,750 and $111,000 for a family of four. >For the 2023 plan year: The out-of-pocket limit for a Marketplace plan can’t be more than $9,100 for an individual and $18,200 for a family. https://www.valuepenguin.com/aca-subsidy-calculator https://www.valuepenguin.com/aca-subsidy-calculator
- rnk 3y ago
  That's an important point that obmacare is too expensive for non-wealthy people and we should change that. For the reasonably well off programmer types like a lot of us, I saw it as a thing i could afford in the transition time before 65. Several people in my family worked until 63.5 and then had cobra. If I retire a few years before that I see obamacare as the main reasonable solution. My state has a healthcare plan separate from that, wonder how I could make a decision. I'm fortunate but there must be tens of millions of people in their 50s and 60s looking for a job and health care.
  - Clubber 3y ago
    It's nice that you can pick it up if leave your job for whatever reason and it's definitely cheaper than cobra. I just wish it was affordable for everybody. Currently it seems half way an insurance company giveaway.
    - rnk 3y ago
      The US could decide to tax us all a small bit to make aca cheaper, or even free, just add required payroll taxes to cover it. No one wants to pay more taxes but we'd be so much better off and pay less for healthcare if we worked through the govt. I'm willing to pay more taxes for this public good, and I tell my congressmen. They never respond. We should all have healthcare as american citizens. We choose (through the actions of our leaders and the influence of rich people having so much political influence or control over the us govt like the koch family) to not have national health care, to live in a country where huge numbers of people are one accident, health issue, job loss, or car crash away from being on the precipice of their family losing their house.

by rnk 3y ago

Clubber 3y ago

Obamacare sucks if you are anywhere above "barely scraping by." The annual deductibles are really high too. $9,100 a year will break someone making $50K a year. I wholeheartedly supported it when it was passed, but it just ain't good. More damage to the middle class who pays for it with higher premiums. >In 2023, you'll typically be eligible for ACA subsidies if you earn between $13,590 and $54,360 as an individual, or between $27,750 and $111,000 for a family of four. >For the 2023 plan year: The out-of-pocket limit for a Marketplace plan can’t be more than $9,100 for an individual and $18,200 for a family. https://www.valuepenguin.com/aca-subsidy-calculator https://www.valuepenguin.com/aca-subsidy-calculator

rnk 3y ago
That's an important point that obmacare is too expensive for non-wealthy people and we should change that. For the reasonably well off programmer types like a lot of us, I saw it as a thing i could afford in the transition time before 65. Several people in my family worked until 63.5 and then had cobra. If I retire a few years before that I see obamacare as the main reasonable solution. My state has a healthcare plan separate from that, wonder how I could make a decision. I'm fortunate but there must be tens of millions of people in their 50s and 60s looking for a job and health care.
- Clubber 3y ago
  It's nice that you can pick it up if leave your job for whatever reason and it's definitely cheaper than cobra. I just wish it was affordable for everybody. Currently it seems half way an insurance company giveaway.
  - rnk 3y ago
    The US could decide to tax us all a small bit to make aca cheaper, or even free, just add required payroll taxes to cover it. No one wants to pay more taxes but we'd be so much better off and pay less for healthcare if we worked through the govt. I'm willing to pay more taxes for this public good, and I tell my congressmen. They never respond. We should all have healthcare as american citizens. We choose (through the actions of our leaders and the influence of rich people having so much political influence or control over the us govt like the koch family) to not have national health care, to live in a country where huge numbers of people are one accident, health issue, job loss, or car crash away from being on the precipice of their family losing their house.