3 ms·

Holy f and that’s on top of taxes where govt would provide in most developed countries and many emerging ones

by m3kw9 3y ago

lotsofpulp 3y ago
$3k per month health insurance in the US must be for a family of 4, and must have a very low deductible/oop max (indicating regular use of healthcare). See here for a list of premiums in a state like NJ: https://www.nj.gov/dobi/division_insurance/ihcseh/ihcrates2024.pdf https://www.nj.gov/dobi/division_insurance/ihcseh/ihcrates20... $427 per month would be the cost for a 21 to 24 year old for “BCBS Omnia Silver HSA” (a good representative health insurance), and you can figure out the premiums for other ages using the age rating factors on bottom left (max is $1,287 per month for a 64 year old). Page 6 here shows the deductible and oop max ($2,300 and $7,500). https://www.ehealthinsurance.com/ehealthinsurance/benefits/2024/ifp/NJ/NJHorizon_Blue_Cross_Blue_Shield_of_New_Jersey-2024_IHC_Plan_Guide-10.2023.pdf https://www.ehealthinsurance.com/ehealthinsurance/benefits/2...
- ceejayoz 3y ago
  Yes, and yes. The blogger in question is pregnant and planning to do a home birth, so they may find themselves in that category surprisingly rapidly.
ceejayoz 3y ago
There's copays and uncovered costs like dental/vision on top of that, too. We reported $49k in medical expenses (which include these premiums, to be clear) to the IRS last year.
- lotsofpulp 3y ago
  We aimed our two kids’ births to be April/May so that we could take advantage of hitting the annual out of pocket maximum and getting all physical therapy for recovery from birth and anything else that might happen fully covered. And to avoid new resident doctors coming starting in June.
  - closewith 3y ago
    What the fuck?
    - readthenotes1 3y ago
      When, not what
godzillabrennus 3y ago
Someone has to think of the poor executives in the military industrial complex. The taxes must go to the billions of dollars of infrastructure that is spent annually to support policies like shooting $40M missiles at Iranian drones that cost $100k at most. https://youtu.be/O3FMV3iugeI?si=PYFqRFssxAeKTPPU https://youtu.be/O3FMV3iugeI?si=PYFqRFssxAeKTPPU
m3kw9 3y ago
Or is it a case where if I pay extra in taxes, but I don’t see the monthly payment, it feels better?
- closewith 3y ago
  And it's not dependent on my employer, and is far lower due to state negotiating power, and I don't have the prospect of out-of-coverage treatments or co-pays bankrupting me.

Holy f and that’s on top of taxes where govt would provide in most developed countries and many emerging ones

by m3kw9 3y ago

Holy f and that’s on top of taxes where govt would provide in most developed countries and many emerging ones

$3k per month health insurance in the US must be for a family of 4, and must have a very low deductible/oop max (indicating regular use of healthcare). See here for a list of premiums in a state like NJ: https://www.nj.gov/dobi/division_insurance/ihcseh/ihcrates2024.pdf https://www.nj.gov/dobi/division_insurance/ihcseh/ihcrates20... $427 per month would be the cost for a 21 to 24 year old for “BCBS Omnia Silver HSA” (a good representative health insurance), and you can figure out the premiums for other ages using the age rating factors on bottom left (max is $1,287 per month for a 64 year old). Page 6 here shows the deductible and oop max ($2,300 and $7,500). https://www.ehealthinsurance.com/ehealthinsurance/benefits/2024/ifp/NJ/NJHorizon_Blue_Cross_Blue_Shield_of_New_Jersey-2024_IHC_Plan_Guide-10.2023.pdf https://www.ehealthinsurance.com/ehealthinsurance/benefits/2...

ceejayoz 3y ago
Yes, and yes. The blogger in question is pregnant and planning to do a home birth, so they may find themselves in that category surprisingly rapidly.

ceejayoz 3y ago

There's copays and uncovered costs like dental/vision on top of that, too. We reported $49k in medical expenses (which include these premiums, to be clear) to the IRS last year.

lotsofpulp 3y ago
We aimed our two kids’ births to be April/May so that we could take advantage of hitting the annual out of pocket maximum and getting all physical therapy for recovery from birth and anything else that might happen fully covered. And to avoid new resident doctors coming starting in June.
- closewith 3y ago
  What the fuck?
  - readthenotes1 3y ago
    When, not what

godzillabrennus 3y ago

Someone has to think of the poor executives in the military industrial complex. The taxes must go to the billions of dollars of infrastructure that is spent annually to support policies like shooting $40M missiles at Iranian drones that cost $100k at most. https://youtu.be/O3FMV3iugeI?si=PYFqRFssxAeKTPPU https://youtu.be/O3FMV3iugeI?si=PYFqRFssxAeKTPPU

m3kw9 3y ago

Or is it a case where if I pay extra in taxes, but I don’t see the monthly payment, it feels better?

closewith 3y ago
And it's not dependent on my employer, and is far lower due to state negotiating power, and I don't have the prospect of out-of-coverage treatments or co-pays bankrupting me.