Domain: ehealthinsurance.com
Stories and comments across the archive that link to ehealthinsurance.com.
Comments · 16
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Re:Make Your Own! [Re:Formula for success]
It is simple. As I said, Politifact is a shill for the alt left progressives, and they rely on your weak logic skills, and lack of both knowledge and curiosity. Take a look at the FIRST "LIE"...
1. "In July 2010 the government said small businesses -- 60 percent -- will lose their health care, 45 percent of big business and a large percentage of individual health."
Sean Hannity, Nov. 11, 2013
Yet if you read the actual article here: http://www.politifact.com/pund...
You will find that:
By the end of 2013, government analysts said half of all group or employer-based plans would change to the point that they would need to meet the new standards -- which is about what Hannity said.
Essentially every "lie" is along these same lines, twisting the truth and trying to weasel around.
Furthermore, virtually every news agency was reporting the same thing, further highlighting the bias of Politifact and John Stewart and their BS, and the reality is that if Obama had not illegally issued waivers and not enforced the letter of the ACA law, that is exactly what would have happened. https://ballotpedia.org/Health...
NBC News reported that between 50 percent and 75 percent of the 14 million who buy individual health insurance would likely receive a cancellation notice over 2014 because their plans did not meet the requirements of the ACA.[3]
CBS News reported that more than two million Americans were told they could not renew their insurance policies for 2014.[11]
According to NBC News, the Obama administration knew in July 2010 that more than 40 percent to 67 percent of people in the individual market would likely not be able to keep their existing policies.[3]
Health policy consultant Robert Laszewski estimated 80 percent of individual insurance buyers would have to find new policies.[3]
In order to make their alt left claim that Hannity lied, they ignore the fact that this was widely reported at the time and twist the truth of what he said, and try to infer that Hannity said that these people would permanently lose their health insurance, which from the quote is clearly not what he said, and obviously, anyone with a brain can see that. As a viewer, I know this is not what he was saying, but rather that it would be major upheval, and the new plans would cost more, and people losing their existing plans would also directly make a liar out of Obama, who said if you like your doctor, you can keep your doctor (proven lie, that they, including the architect of Obamacare knew was a lie from the beginning) and if you like your plan you can keep your plan (same deal, bold faced lie that they knew was a lie from the start). That has always been Hannity's position, not that people would permanently lose their health care and health insurance, but that Obama and the Dims were lying out of their asses the entire time about Obamacare.
Hannity and we conservatives were right, BTW. Millions of people lost their doctors and lost their affordable insurance plans and the replacements were far more expensive. Suck on this headline for a minute: "Average Individual Health Insurance Premiums Increased 99% Since 2013, the Year Before Obamacare, & Family Premiums Increased 140%" https://news.ehealthinsurance....
So you can take anything from Politifact and blow it out your ass, because they have no interest in fact, only shilling for the alt left. 95% of the"lies" of Fox news from John Stewart and Politifact are like this, and the oth
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Re:I went back to corporate America because Obamac
I was about to point out that you could get Major medical for probably $450, as that is what they were going for in January, but now they seem to have gone up by 30% or so. The cheapest I can find is $589. Still that is better than $1,000 a month.
Check out ehealthinsurance. You can compare rates from a bunch of different companies and plans. -
Re:I went back to corporate America because Obamac
Here's a subsidy calculator and here's a market place see what's happening for yourself.
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Re:I went back to corporate America because Obamac
Depends on your age, I'm turning 60, and the wife is 62, health insurance for us is in the neighborhood of $1,200 - $1,900 per month; that's more than most mortgage payments! There no rhyme or reason for the prices that is appearent, there are plans with deceint coverage and high deductables that are cheaper than plans with for-crap coverage and deductables of $20,000! My subsidy is just over $900.00 which is good for me, not so good for the rest of the taxpayers.
I know this sounds outlandish, so here's Subsidy Calculator and Health insurance quote site so feel free to try different scenario yourself.Yes I can see somebody making good money and still not being able to afford health insurance.
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Re: I tested it two weeks back
I love how all these experts seem to know more about my insurance than I do. I think I already posted it in a different thread, but here's a link to a description of my plan. http://www.ehealthinsurance.com/health-insurance-companies/dean-wisconsin/benefit-detail/?health-plan=699
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Re:Officials say?
I don't live in NY, I live in WI. Here is a link to a description of my plan: http://www.ehealthinsurance.com/health-insurance-companies/dean-wisconsin/benefit-detail/?health-plan=699
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Re:designed to obfuscate actual prices of plans
Easier than http://www.ehealthinsurance.com? Why did the government need to spend millions of dollars on a web site when the private sector already had a web site? It seems to me that there could have been an easier way to calculate the subsidies. But no, congress knows way more about insurance than insurance companies do.
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Re:I'm confused
I like paying my taxes. With them, I purchase civilization.
You're also not legally obligated to sign up for insurance. You can elect to go without, and pay a bit more in taxes instead if you're not exempt.
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Re:Contractor
Try them. I just put your basic info in and saw plans ranging from $184 up to $755.
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Re:yeah. its much better to be p0wned
I have, and it costs me less than $75/month. Here's a site that's easy enough to find your own rates: http://www.ehealthinsurance.com/
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Don't be in Maine
I did some quick searching a month back. In Maine, for private single person health insurance, there is very little choice, and what few choices there are, are very expensive. Also, for insurance companies that do operate in Maine, they offer limited plans.
There is no Aetna, little Anthem/Blue Cross/Blue Shield, little Assurant, no Cigna, no UnitedHealth/Golden Rule, no Humana. A health insurance searcher doesn't work, either: no eHealthInsurance. -
Shop around
You can try a site like ehealthinsurance and shop various plans. The two most important parts are to know what type of coverage you want, and then to shop around.
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What I did
loads of bitching going on here, certainly justified. Health Care costs in the US are very high. meanwhile, the OP is asking for input. I compared costs for individual plans here: http://www.ehealthinsurance.com/ and my local chamber of commerce. then went with a plan from ehealthinsurance, read all of the fine print, made sure that I understood it all (a few phone calls were needed). It was tedious as hell, but like any of the programmers and engineers out there can tell you about a complex problem.... you have to resign yourself to sorting it out and identifying the variables, prioritizing what is important, then make an action plan to solve the problem. I am an individual, in good health, income is OK, so I set my deductible at $2500 and max out of pocket at $5k/year, $20 copay on visits. I pay about $210 per month. I know for sure that I am screwed if something heavy (cancer, spinal injury, etc...) comes along, but I had good experience with the plan 2 years ago when I got all busted up in a crash and needed mri and loads of xray and some pt. no complaints. hope that helps.
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Go for the high deductible
I'd recommend a high deductible plan if you're self employed. You should already have money saved up to weather the rough times, so just add some more to cover the deductible. The amount you save is significant. The baby will most certainly have you going to the doctor a lot. I've used eHealthInsurance myself, and my only complaint is that the fine print is hard to find or not available until after you purchase a policy. But the policies they offer are from the major carriers.
For the record, the place I got in trouble was picking the cheaper plan and then getting a physical. Burried back in the fine print was a clause that they don't cover anything preventative, but that wasn't obvious when I was ordering the plan or looking through the main section of the booklet. Had I clicked a link to the provider's comparison of all their plans, it would have jumped out like a sore thumb. Personally I think it borders on criminal when a company doesn't make it obvious where you risk owing a lot of money and what coverage is missing that many others would frequently include.
And a final note, always get the price an uninsured person will be responsible for up front for everything! This is what you'll be stuck paying when the insurance company says they aren't responsible, and you should be able to afford it. My family's neighbor (a doctor), myself, and many others agree, the medical system in the US is broken. Insurance is complicated, costs are going up, and lawsuits are giving insane sums of money for just about anything. My biggest peeve is that you aren't told how much you owe until a month after the procedure is done. Admittedly this is a service and things may fluctuate when you find a problem, but every doctor uses charge codes and their office knows their fee for that code, and the insurance companies know what they have agreed for those codes. But no one will tell you those numbers until after you've had the service. Congress would do a lot for people by requiring every insurance provider to publish how much they cover and what the patent is responsible for on a standard list of charge codes, and make it available before signing up for that coverage. -
Re:Only one question..Being a consultant, I carry my own insurance. I know it seems like a pain, but it is quite easy. I used ehealthinsurance to find a policy that fit my needs.
One thing to ask yourself is, "how much do I get sick?" If you're single and rarely visit a doctor, a very simple policy could be good for you.
The company that employs me as a consultant offers health insurance. For me being single, it would cost $65 a week, for a minimum expenditure of $3380/year. The policy I have costs $130 every three months, for a minimum expenditure of $520/year.
But, the coverage isn't that great. The policy covers zero percent of the first $2000, then eighty percent of the next $8000 and everything after that each calendar year. So if I became really ill, I'm looking to pay $2000 (1st $2000) + $1600 (20% of 2K to 10K) + $520 (yearly premium) for a grand total of $4120.
I've been working for this company for about a year and a half. I've been to the doctor once, with the visit + meds costing about $250. Add that to six premiums, and my total output comes to about $1030. If I had paid for my "employer provided" health care, I would have already spent over $5000 plus any co-payments.
Now there is the fact that the "employer provided" healthcare is paid for by pre-tax dollars and I'm paying after taxes, but the difference unless I become quite ill still doesn't matter.
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Re:A few extra factors
Get catastrophic health insurance. I'm paying about $75/month for a $2,000/year deductable ($500/year deductable for prescriptions).
Do you have more info on this? I'm currently working as a freelancer and those rates sound reasonable. I currently go through eHealthInsurance (about $87/month w/ $500 deductible) but that's short-term health insurance, so I have to repply every 6 months.
For what it's worth, if you're unemployed and looking for some temporary health insurance just for the peace of mind, I've been pleased with eHealthInsurance. The name may be silly, but it's professionally done and you can be insured the same day you sign up (which is all online).