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Posted: 10/21/2016 2:43:35 PM EDT
[#1]
You might want to wait and look at individual market pricing before you decide to nix your employer-assisted policy. You should be able to see these prices on Nov 1st.
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Posted: 10/21/2016 2:46:33 PM EDT
[#2]
Yes, I will do a thorough comparison. Just wondering about the mechanics of the premium payments.
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Posted: 10/21/2016 2:46:55 PM EDT
[#3]
I agree with the first reply.
You might find that buying health insurance on the open market will be more expensive than the 81% increase that you will have to pay. |
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Posted: 10/21/2016 2:52:35 PM EDT
[#4]
Quoted:
I just found out today that my employer provided health insurance for next year is going to go up by 81.5%. The City of Tulsa is not increasing their contributions by a single cent, so all of the increases are being passed onto the employees. If I buy health insurance on the open market and elect to not use my employer provided health insurance, can you set up those premium payments to come out of your paycheck automatically? And if so, do they come out as pretax payments like a traditional employer provided insurance payments would? Or do you have to make your own payments every month? You'd have to set up auto-payments with your bank's bill-pay, or the insurance company may be able to do automatic payments much the same way (month ACH deductions). They won't be pre-tax, but you can deduct the payments on your income tax return if you itemize, subject to AGI limitations. You should receive more in your paycheck if you're not using employer provided insurance, as "payments in lieu". Do check if the open market will end up costing you more than the employer plan (given that it's not going to be pre-tax, and you may or may not already itemize). |
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Posted: 10/21/2016 2:54:03 PM EDT
[#5]
i only say this because your a city employee
 
like others have said, wait till nov 1 market place rate release. i assume everyone is going to be equally fucked. makes me want to blow all my money and go on the govt dole for all the free shit |
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Posted: 10/21/2016 2:55:21 PM EDT
[#6]
Chat with your HR to see if you can set up the auto-pay.
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Posted: 10/21/2016 2:56:31 PM EDT
[#7]
Quote HistoryQuoted:
Yes, I will do a thorough comparison. Just wondering about the mechanics of the premium payments. Yup, for most people the open health insurance market is like being violated by Grape Ape |
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Posted: 10/21/2016 3:01:08 PM EDT
[#8]
Quoted:
I just found out today that my employer provided health insurance for next year is going to go up by 81.5%. The City of Tulsa is not increasing their contributions by a single cent, so all of the increases are being passed onto the employees. If I buy health insurance on the open market and elect to not use my employer provided health insurance, can you set up those premium payments to come out of your paycheck automatically? And if so, do they come out as pretax payments like a traditional employer provided insurance payments would? Or do you have to make your own payments every month? 1) No, they won't come out of your paycheck. They'll come out of your bank account just like your car insurance. 2) No, they're not pretax if they're not employer provided. You pay taxes on that money and can't deduct it at the end of the year. 3) Yup, generally a per-month policy 4) You're unlikely to save any money in the individual market. You're now feeling the big dick of big government courtesy of Obama. You're paying your "fair share". Congratulations and thank you for your contribution. |
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Posted: 10/21/2016 3:05:43 PM EDT
[#9]
Don't think of it as an 81.5% increase,think of it as saving 18.5%.
A customer in the other day said hers was jumping around 400.00 a month. 
Lots of people are feeling the pain. Fbho |
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Posted: 10/21/2016 3:10:21 PM EDT
[#10]
I am at $808 a month. I have a feeling I am going to be well over $1000 a month next year. If I didn't have a kid I'd just pay the fine.
Reasons FTACA Fuck the Affordable Care Act. |
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Posted: 10/21/2016 3:11:26 PM EDT
[#11]
Quote HistoryQuoted:
A customer in the other day said hers was jumping around 400.00 a month.
Mine's going up by $224 per month extra. Plus vision, dental, and life and all of our other benefits are going up also. |
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Posted: 10/21/2016 5:24:36 PM EDT
[#12]
Quote HistoryQuoted:
Mine's going up by $224 per month extra. Plus vision, dental, and life and all of our other benefits are going up also. Quote HistoryQuoted:
Quoted:
A customer in the other day said hers was jumping around 400.00 a month.
Mine's going up by $224 per month extra. Plus vision, dental, and life and all of our other benefits are going up also. Good lord, and I was bitching because mine was going up $70. But I'm single and before it was like $210 a month. Which I thought was absurd. |
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Posted: 10/21/2016 5:34:47 PM EDT
[#13]
Yes but what's the deductible?
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Posted: 10/21/2016 5:39:44 PM EDT
[#14]
Mechanic for the city? Start looking for a state job.
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Posted: 10/21/2016 5:45:31 PM EDT
[#15]
This whole thing is an abortion, thanks to the communist democratic party. Everyone just needs to pay a lot more longer, deadline unknown.
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Posted: 10/21/2016 10:21:50 PM EDT
[#16]
Quote HistoryQuoted: Mine's going up by $224 per month extra. Plus vision, dental, and life and all of our other benefits are going up also. Quote HistoryQuoted: Quoted: A customer in the other day said hers was jumping around 400.00 a month. Mine's going up by $224 per month extra. Plus vision, dental, and life and all of our other benefits are going up also. An extra $224 ain't nothing compared to the open market. That is gonna be 12-1700/month for a family. |
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Posted: 10/21/2016 10:25:50 PM EDT
[#17]
Quote HistoryQuoted: i only say this because your a city employee https://media.makeameme.org/created/welcome-to-the-jc27bb.jpg like others have said, wait till nov 1 market place rate release. i assume everyone is going to be equally fucked. makes me want to blow all my money and go on the govt dole for all the free shit Exactly. Wait, what? You're going to have to pay for some of your shit instead of just soaking taxpayers for everything? Enjoy... |
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Posted: 10/21/2016 10:35:53 PM EDT
[#18]
The sneaky thing about some corporations is that they are going to actually keep your premium the same or lower it slightly. You will think you were getting a great deal. The reality is that you and your premium and out of pocket expenses will go up by thousands of dollars. If friend of mine works at bright house cable which is owned by Comcast I believe his out-of-pocket expenses i've gone from $500 for years ago to $7000 now for his family
That piece of shit Obama said he had nothing to do with it fuck yourself |
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Posted: 10/21/2016 10:37:02 PM EDT
[#19]
Ahhhh, now it's about to start.
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Posted: 10/21/2016 10:39:25 PM EDT
[#20]
Quote HistoryQuoted:
Mine's going up by $224 per month extra. Plus vision, dental, and life and all of our other benefits are going up also. Quote HistoryQuoted:
Quoted:
A customer in the other day said hers was jumping around 400.00 a month.
Mine's going up by $224 per month extra. Plus vision, dental, and life and all of our other benefits are going up also. That is nothing compared to the market place. <----$975 a month for two people with a projected 30-45% increase for next year. |
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Posted: 10/24/2016 12:43:51 PM EDT
[#21]
Quote HistoryQuoted:
That is nothing compared to the market place. <----$975 a month for two people with a projected 30-45% increase for next year. Quote HistoryQuoted:
Quoted:
Quoted:
A customer in the other day said hers was jumping around 400.00 a month.
Mine's going up by $224 per month extra. Plus vision, dental, and life and all of our other benefits are going up also. That is nothing compared to the market place. <----$975 a month for two people with a projected 30-45% increase for next year. I'd be taking the penalty enthusiastically. |
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Posted: 10/24/2016 12:55:51 PM EDT
[#22]
I read that blue cross is predicting a 51% increase in IL which will put me aroubd 1700/month and that's with a 3K deductible per person.
I just might be forced to cancel |
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Posted: 10/24/2016 12:58:01 PM EDT
[#23]
Quote HistoryQuoted:
I read that blue cross is predicting a 51% increase in IL which will put me aroubd 1700/month and that's with a 3K deductible per person. I just might be forced to cancel I am not a conspiracy nut, but it may be lack of foresight by Our President, or it may be going according to plan, what is going to happen is that people are just not going to pay for health insurance anymore. Single payer here we come. |
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Posted: 10/24/2016 1:07:48 PM EDT
[#24]
Transfer of wealth, real big one.
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Posted: 10/24/2016 8:40:06 PM EDT
[#25]
Quote HistoryQuoted:
I am not a conspiracy nut, but it may be lack of foresight by Our President, or it may be going according to plan, what is going to happen is that people are just not going to pay for health insurance anymore. Single payer here we come. Quote HistoryQuoted:
Quoted:
I read that blue cross is predicting a 51% increase in IL which will put me aroubd 1700/month and that's with a 3K deductible per person. I just might be forced to cancel I am not a conspiracy nut, but it may be lack of foresight by Our President, or it may be going according to plan, what is going to happen is that people are just not going to pay for health insurance anymore. Single payer here we come. It was the plan all along for it to fail. |
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Posted: 10/24/2016 8:56:45 PM EDT
[#26]
You should be able to go to your states insurance commission web site to see how much of an increase they allowed for each company. And BTW, a company that still pays a portion of an employees health insurance???? LOL, how last decade!
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Posted: 10/24/2016 9:13:57 PM EDT
[#27]
Quote HistoryQuoted:
It was the plan all along for it to fail. Quote HistoryQuoted:
Quoted:
Quoted:
I read that blue cross is predicting a 51% increase in IL which will put me aroubd 1700/month and that's with a 3K deductible per person. I just might be forced to cancel I am not a conspiracy nut, but it may be lack of foresight by Our President, or it may be going according to plan, what is going to happen is that people are just not going to pay for health insurance anymore. Single payer here we come. It was the plan all along for it to fail. I've always wondered that. Was it always planned to fail or was it just such a horrible solution that only our government could dream of.? My brother just called and informed me my former employer (and his current) is completley dropping perscription coverage for some hokey flex spend scheme. Glad I bailed when i did, because my meds alone cost 36k a year. |
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Posted: 10/24/2016 9:17:05 PM EDT
[#28]
But o-bunghole said you were going to SAVE $2500 per year.
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Posted: 10/24/2016 9:17:41 PM EDT
[#29]
Quote HistoryQuoted: I read that blue cross is predicting a 51% increase in IL which will put me aroubd 1700/month and that's with a 3K deductible per person. I just might be forced to cancel |
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Posted: 10/24/2016 9:21:44 PM EDT
[#30]
Quote HistoryQuoted:
But o-bunghole said you were going to SAVE $2500 per year. that was not SAVE, but S.A.V.E. Stretch Ass Vigorously Everyone Fuck him, fuck Congress, and fuck the SCOTUS for their part. |
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Posted: 10/24/2016 9:32:03 PM EDT
[#31]
Quote HistoryQuoted:
That is nothing compared to the market place. <----$975 a month for two people with a projected 30-45% increase for next year. Quote HistoryQuoted:
Quoted:
Quoted:
A customer in the other day said hers was jumping around 400.00 a month.
Mine's going up by $224 per month extra. Plus vision, dental, and life and all of our other benefits are going up also. That is nothing compared to the market place. <----$975 a month for two people with a projected 30-45% increase for next year. It sounds like this is all going exactly as planned. Once they get FHRC installed the fix will be single payer and the masses will have no other choice. |
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Posted: 10/24/2016 9:36:59 PM EDT
[#32]
Quote HistoryQuoted:
I've always wondered that. Was it always planned to fail or was it just such a horrible solution that only our government could dream of.? My brother just called and informed me my former employer (and his current) is completley dropping perscription coverage for some hokey flex spend scheme. Glad I bailed when i did, because my meds alone cost 36k a year. Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
I read that blue cross is predicting a 51% increase in IL which will put me aroubd 1700/month and that's with a 3K deductible per person. I just might be forced to cancel I am not a conspiracy nut, but it may be lack of foresight by Our President, or it may be going according to plan, what is going to happen is that people are just not going to pay for health insurance anymore. Single payer here we come. It was the plan all along for it to fail. I've always wondered that. Was it always planned to fail or was it just such a horrible solution that only our government could dream of.? My brother just called and informed me my former employer (and his current) is completley dropping perscription coverage for some hokey flex spend scheme. Glad I bailed when i did, because my meds alone cost 36k a year. It was designed to fail. Obama was open about this, as evidenced by several videos of him speaking at AFL-CIO events. He said the goal is single-payer healthcare, and that we'd get there eventually, but it will take some time. 
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Posted: 10/24/2016 9:55:35 PM EDT
[#33]
Quote HistoryQuoted:
I've always wondered that. Was it always planned to fail or was it just such a horrible solution that only our government could dream of.? My brother just called and informed me my former employer (and his current) is completley dropping perscription coverage for some hokey flex spend scheme. Glad I bailed when i did, because my meds alone cost 36k a year. Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
I read that blue cross is predicting a 51% increase in IL which will put me aroubd 1700/month and that's with a 3K deductible per person. I just might be forced to cancel I am not a conspiracy nut, but it may be lack of foresight by Our President, or it may be going according to plan, what is going to happen is that people are just not going to pay for health insurance anymore. Single payer here we come. It was the plan all along for it to fail. I've always wondered that. Was it always planned to fail or was it just such a horrible solution that only our government could dream of.? My brother just called and informed me my former employer (and his current) is completley dropping perscription coverage for some hokey flex spend scheme. Glad I bailed when i did, because my meds alone cost 36k a year. It was designed to fail so Single Payer could be the solution. |
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Posted: 10/24/2016 10:06:30 PM EDT
[#34]
Good grief. I don't see how you guys can afford this crap.
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Posted: 10/24/2016 10:54:54 PM EDT
[#35]
Quote HistoryQuoted:
It was designed to fail so Single Payer could be the solution. Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
Quoted:
I read that blue cross is predicting a 51% increase in IL which will put me aroubd 1700/month and that's with a 3K deductible per person. I just might be forced to cancel I am not a conspiracy nut, but it may be lack of foresight by Our President, or it may be going according to plan, what is going to happen is that people are just not going to pay for health insurance anymore. Single payer here we come. It was the plan all along for it to fail. I've always wondered that. Was it always planned to fail or was it just such a horrible solution that only our government could dream of.? My brother just called and informed me my former employer (and his current) is completley dropping perscription coverage for some hokey flex spend scheme. Glad I bailed when i did, because my meds alone cost 36k a year. It was designed to fail so Single Payer could be the solution. I agree, make a crisis so that way you can solve the crisis. The republicans could have stopped this mess but they were too busy with their hands in the insurance companies pockets. They would have only needed to allow preexisting conditions to be covered, no lifetime caps, and the ability to sell across state lines along with reform regarding bankruptcies die to health care costs. We would not be in this mess. |
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Posted: 10/24/2016 10:59:28 PM EDT
[#36]
Quote HistoryQuoted:
It was designed to fail. Obama was open about this, as evidenced by several videos of him speaking at AFL-CIO events. He said the goal is single-payer healthcare, and that we'd get there eventually, but it will take some time.  https://youtu.be/fpAyan1fXCEQuote HistoryQuoted:
Quoted:
Quoted:
Quoted:
Quoted:
I read that blue cross is predicting a 51% increase in IL which will put me aroubd 1700/month and that's with a 3K deductible per person. I just might be forced to cancel I am not a conspiracy nut, but it may be lack of foresight by Our President, or it may be going according to plan, what is going to happen is that people are just not going to pay for health insurance anymore. Single payer here we come. It was the plan all along for it to fail. I've always wondered that. Was it always planned to fail or was it just such a horrible solution that only our government could dream of.? My brother just called and informed me my former employer (and his current) is completley dropping perscription coverage for some hokey flex spend scheme. Glad I bailed when i did, because my meds alone cost 36k a year. It was designed to fail. Obama was open about this, as evidenced by several videos of him speaking at AFL-CIO events. He said the goal is single-payer healthcare, and that we'd get there eventually, but it will take some time. https://youtu.be/fpAyan1fXCEI figured it was just pandering to his followers at the time. But, I suppose single payer becomes more of a reality as major insurance companies back out of the exchange due to crippling financial loss. |
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Posted: 10/24/2016 11:00:42 PM EDT
[#37]
Financially or legally painted into a corner.......but they care
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Posted: 10/24/2016 11:08:08 PM EDT
[#38]
I pay about $400 /month for my wife and I.
$500 deductible $20 copay $35 specialist $100 ER 80/20 |
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Posted: 10/24/2016 11:13:24 PM EDT
[#39]
Quote HistoryQuoted:
Good grief. I don't see how you guys can afford this crap. I don't.  Figured it would just be cheaper to pay the fine, but I got diagnosed with cancer about a year ago and it's breaking me. Damned if you do, damned if you don't.
Going Galt is starting to look like a very real option. |
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Posted: 10/24/2016 11:42:28 PM EDT
[#40]
Quote HistoryQuoted:
You should be able to go to your states insurance commission web site to see how much of an increase they allowed for each company. And BTW, a company that still pays a portion of an employees health insurance???? LOL, how last decade! That doesn't apply to all policies. |
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Posted: 10/24/2016 11:44:33 PM EDT
[#41]
Quote HistoryQuoted:
It was designed to fail so Single Payer could be the solution. Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
Quoted:
I read that blue cross is predicting a 51% increase in IL which will put me aroubd 1700/month and that's with a 3K deductible per person. I just might be forced to cancel I am not a conspiracy nut, but it may be lack of foresight by Our President, or it may be going according to plan, what is going to happen is that people are just not going to pay for health insurance anymore. Single payer here we come. It was the plan all along for it to fail. I've always wondered that. Was it always planned to fail or was it just such a horrible solution that only our government could dream of.? My brother just called and informed me my former employer (and his current) is completley dropping perscription coverage for some hokey flex spend scheme. Glad I bailed when i did, because my meds alone cost 36k a year. It was designed to fail so Single Payer could be the solution. Since you are an expert, please enlighten me on how that works? |
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Posted: 10/24/2016 11:47:19 PM EDT
[#42]
Quote HistoryQuoted: I pay about $400 /month for my wife and I. $500 deductible $20 copay $35 specialist $100 ER 80/20 now its around $800 a month with 5K out of pocket before any copays kick in then $40 co pays for the next $2K out of pocket I hit the 5K deductible by the end of jan , so happy news years to me at least this year had time to get the HSA filled up Had to run up the visa last jan |
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Posted: 10/24/2016 11:52:27 PM EDT
[#43]
The healthcare.gov offerings for OK are projected to go up over 100% next year (and they were already more expensive than most employer offerings)...so unfortunately, your employer plan is probably going to be cheaper by a long shot in 2017.
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Posted: 10/24/2016 11:59:53 PM EDT
[#44]
Quote HistoryQuoted:
that's about what had before obamacare now its around $800 a month with 5K out of pocket before any copays kick in then $40 co pays for the next $2K out of pocket I hit the 5K deductible by the end of jan , so happy news years to me at least this year had time to get the HSA filled up Had to run up the visa last jan Quote HistoryQuoted:
Quoted:
I pay about $400 /month for my wife and I. $500 deductible $20 copay $35 specialist $100 ER 80/20 now its around $800 a month with 5K out of pocket before any copays kick in then $40 co pays for the next $2K out of pocket I hit the 5K deductible by the end of jan , so happy news years to me at least this year had time to get the HSA filled up Had to run up the visa last jan Can you explain the HSA thing to the rest of us? I'm self employed. Does the HSA mean I can shelter income from being taxable by basically depositing the exact figure of my monthly premiums into the HSA and pay my premiums from that? I don't understand all this soviet crap. Can someone explain it to a dummy like me? |
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Posted: 10/24/2016 11:59:57 PM EDT
[#45]
I currently pay ~$100/mo into my HSA, my employer covers the $43/mo premium.
$5000 deductible, no clue what will happen next year.
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Posted: 10/25/2016 12:01:21 AM EDT
[#46]
Quote HistoryQuoted:
I currently pay ~$100/mo into my HSA, my employer covers the $43/mo premium. $5000 deductible, no clue what will happen next year. If you like your plan you can keep your plan, duh. Obama said so. |
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Posted: 10/25/2016 12:02:58 AM EDT
[#47]
Quote HistoryQuoted:
I currently pay ~$100/mo into my HSA, my employer covers the $43/mo premium. $5000 deductible, no clue what will happen next year. No way in hell the premium is $43 a month. |
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Posted: 10/25/2016 12:05:53 AM EDT
[#48]
My wife's insurance is going down $100 a month so roughly $250 a month $500 deductible per person. Now granted she works for a self insured hospital system there are down sides scripts are expensive and can only use hospital pharmacy or have to pay full cost. Its set up like an HMO but no referrals just have to stay in network which is large. Emergency's you have to appeal if the are out of network and never had a problem when out of state just a few more steps. Not ideal but better then whats happening to other people.
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Posted: 10/25/2016 12:05:54 AM EDT
[#49]
Quote HistoryQuoted:
I'd be taking the penalty enthusiastically. Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
A customer in the other day said hers was jumping around 400.00 a month.
Mine's going up by $224 per month extra. Plus vision, dental, and life and all of our other benefits are going up also. That is nothing compared to the market place. <----$975 a month for two people with a projected 30-45% increase for next year. I'd be taking the penalty enthusiastically. There are a lot of people who would do well with a high deductible plan. Pay out of pocket for everything. Especially, young people. Chances are you're not going to need expensive health care before your golden years. Blood work can tell a lot. And going to a doctor for every cold and sniffle is stupid. It often just leads to an unnecessary antibiotic and some symptom medication that isn't much better than OTC stuff, ...which people probably shouldn't be taking anyway. If you're healthy take a gamble for a few years. Put the difference in premium costs in an in an account, and you could probably save $10-20k fairly quickly. Continue using high deductible plans, basically self-insuring from your own account. |
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Posted: 10/25/2016 12:58:13 AM EDT
[#50]
Quote HistoryQuoted:
There are a lot of people who would do well with a high deductible plan. Pay out of pocket for everything. Especially, young people. Chances are you're not going to need expensive health care before your golden years. Blood work can tell a lot. And going to a doctor for every cold and sniffle is stupid. It often just leads to an unnecessary antibiotic and some symptom medication that isn't much better than OTC stuff, ...which people probably shouldn't be taking anyway. If you're healthy take a gamble for a few years. Put the difference in premium costs in an in an account, and you could probably save $10-20k fairly quickly. Continue using high deductible plans, basically self-insuring from your own account. Quote HistoryQuoted:
Quoted:
Quoted:
That is nothing compared to the market place. <----$975 a month for two people with a projected 30-45% increase for next year. I'd be taking the penalty enthusiastically. There are a lot of people who would do well with a high deductible plan. Pay out of pocket for everything. Especially, young people. Chances are you're not going to need expensive health care before your golden years. Blood work can tell a lot. And going to a doctor for every cold and sniffle is stupid. It often just leads to an unnecessary antibiotic and some symptom medication that isn't much better than OTC stuff, ...which people probably shouldn't be taking anyway. If you're healthy take a gamble for a few years. Put the difference in premium costs in an in an account, and you could probably save $10-20k fairly quickly. Continue using high deductible plans, basically self-insuring from your own account. I haven't been to a doctor for years. I used to have a decent high deductible with HSA plan. That was nice. Obamacare fucked that all up and my new company doesn't offer it. I'm 31. Not sure I feel the need to take the gamble anymore. I make good enough money. |
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