antcas

10 ms·

61.
by antcas 6y ago
yea, it's pretty dumb
62.
by antcas 6y ago
College plans are considered "special-risk" plans and therefore aren't obliged to follow ACA guidelines at all. So they can do tricky stuff ACA banned like have low lifetime maximums, exclusions, and kick you off the plan whe
63.
by antcas 6y ago
This is a good point, and also kind of an unintentional pun since enroll could refer to either enrolling in school or enrolling in the healthplan. Some (many?) schools you are enrolled automatically to the healthcare plan unless you opt-out
64.
by antcas 6y ago
Most of the plans you can find on the school website's with some digging. Some common gotcha's are low lifetime maximums and exceptions. Also, the the sickest students are most likely to drop out of school and lose their coverage.
65.
by antcas 6y ago
This is part of it, however there's positive price pressure from "anti-selection". Basically healthy young students are more likely to already be insured or be on their parents plans so they opt-out more frequently. Wrote a t
66.
by antcas 6y ago
Why not both?
67.
by antcas 6y ago
Germany doesn't let us Americans in anymore unfortunately.
68.
by antcas 6y ago
Okay you were right, should be fixed now, thanks! Now the tuition is doubled. The insurance premium stays the same though because that's already the annual rate.
69.
by antcas 6y ago
Mentioned in another reply, but insurers already take into consideration the fact that sicker students are more likely to need their insurance. This is mitigated by lower maximums than normal and the fact that the sickest students will tend
70.
by antcas 6y ago
Thanks for this note! I'll include this when I build out v2.
71.
by antcas 6y ago
Both the school and the insurer would make a bunch more money in the short-term. Might bite the insurer's in the long term if a bunch of sick people sign up, but very sick people don't tend to stay in school.
72.
by antcas 6y ago
No, you also have to opt-in and pay the annual premium. This is included in the cost calculation (see notes section at the bottom for details).
73.
by antcas 6y ago
Also FYI to anyone reading this, these plans are all individual-rate plans but many also offer family or spouse plans for not that much more.
74.
by antcas 6y ago
100% This works out best if you're taking classes that are relevant to you so that you're getting value from the time spent as well. Otherwise your goal should be to find the easiest most phone-in-able class possible.
75.
by antcas 6y ago
You don't have to pass the class you just can't get kicked out of the school. One BIG caveat with these plans is that coverage ends if you leave school. That's how the insurers cover their asses. They're able to provide
76.
by antcas 6y ago
For healthcare specifically I'd check out https://twitter.com/nikillinit More generally HN is a good place ;)
77.
by antcas 6y ago
It's pretty dumb tbh
78.
by antcas 6y ago
If you don't show up to class then technically you won't qualify for a lot of these plans. In the policy they require in-person classes. How that's going to work this year with online-only classes is an open question.
79.
by antcas 6y ago
Let me double check, should be multiplying semester by 2 when necessary. Annual insurance fee is already calculated annually.
80.
by antcas 6y ago
In the ideal world this loophole would be made irrelevant by universal healthcare. Realistically the minimum credit hour requirements might be increased at some schools, but otherwise if you take advantage of this system you're pretty
81.
by antcas 6y ago
I built a spreadsheet showing how many credits you have to take at a school to qualify for their health insurance plan. In many states, the cost of taking the class + health insurance costs is actually lower than monthly premiums for a plan
82.
Show HN: Healthcare Is Dumb(healthcareisdumb.com)
441 points by antcas 6y ago|283 comments
83.
Show HN: Enroll in college, get cheap healthcare(healthcareisdumb.com)
8 points by antcas 6y ago|0 comments
84.
You should charge more money for your sideproject(youtube.com)
2 points by antcas 6y ago|0 comments
85.
No-code startup built and sold in three weeks(youtube.com)
1 points by antcas 6y ago|0 comments
86.
Interview with the Founder of Bubble.io(youtube.com)
2 points by antcas 6y ago|0 comments
87.
by antcas 6y ago
SEEKING WORK - Remote (Nomad, US-Eastern time) I'm a freelance React, Node, & Python full stack web developer with strong product sense. Experience with health tech startups and real estate technology startups. Stack preferences:
88.
by antcas 6y ago
What rule does it break? It's not immediately clear, but if you log in (at the top of the page) you can log your own expenses to a public transaction feed. And you can participate in the main experiment by commenting on OP's trans
89.
A virtual meetup group for Indie Hackers(indieworldwide.co)
10 points by antcas 6y ago|2 comments
90.
by antcas 6y ago
We're a group of founders/bootstrappers/indie hackers or whatever you want to call us meeting a couple times a month to work together on our startups and meet new people around the world. Sometimes we invite guests who'v

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