r/HealthInsurance • u/pandapower63 • Apr 14 '24

Plan Choice Suggestions What can regular Americans who are fed up with their health insurance do about it?

I’ve written my elected officials in government. What else can we do? It’s depressing and it’s wrong. That people can’t get healthcare easily and affordably. People are dying early because they don’t get the care they need.

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2

u/Retire_date_may_22 Apr 14 '24

Buy a different policy.

-2

u/supern8ural Apr 14 '24

Ok boomer. Did you have something constructive to contribute? No? Then have a nice big glass of shut the fuck up. Don''t you have a MAGA rally to attend?

3

u/Retire_date_may_22 Apr 14 '24

I actually like my health insurance. OP should find a new policy. Not a boomer but you have a nice day and try to get out of your parents basement and get some sunshine today.

1

u/supern8ural Apr 14 '24

I don't have any control of what policy I have, like most people here. I have three choices that's it and they are various tradeoffs between expensive and shitty, none of them good. I can't opt out unless I prove that I'm insured elsewhere. This is the reality for pretty much all working Americans. You say find a new policy? Going out from under my employer would be even more ludicrously expensive, for likely just as worthless coverage. The system is broken, time to tear it down and build something that actually works for people.

2

u/Retire_date_may_22 Apr 14 '24

I actually like my policy that I purchase independently.

1

u/supern8ural Apr 14 '24

I'm guessing that you don't have any serious or chronic health issues, and that you are also employed. (I also am somewhat skeptical, knowing what health plans are out there)

2

u/Retire_date_may_22 Apr 14 '24

Actually do have a daughter with a very chronic and costly condition.

1

u/supern8ural Apr 14 '24

Then something is not adding up here. Is your health insurance subsidized somehow?

1

u/Retire_date_may_22 Apr 14 '24

I pay about 1200 a month for a high deductible plan and use an HSA which makes my deductible tax deductible. My prescription and dr coverage is very good after my deductible.

2

u/supern8ural Apr 14 '24

Jesus. And you don't see the problem with that?

That's literally 1/4 my take home and I'd be considered a "high earner" by most metrics. Fucking dystopian is what that is. Of course you're happy with your service, you're paying a shit ton of money. Are you able to pay a mortgage, save for retirement, etc. while you're shelling out that much?

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0

u/Dr_Llamacita Apr 14 '24

Are you serious? You don’t see the sheer injustice of paying TWELVE HUNDRED DOLLARS A MONTH for insurance that sounds like it doesn’t even cover a thing until you’ve paid 100% of your healthcare for a time? When we could just pay more in taxes for universal healthcare, but overall much much less than we already do for insurance??? You’ve got to be a bot or something

2

u/chrysostomos_1 Apr 14 '24

ACA did away with being excluded from insurance due to preexisting conditions.

1

u/supern8ural Apr 14 '24

Unless you live in a "socialist" state ACA plans are still unaffordable. I know, I was unemployed when they rolled out.

2

u/chrysostomos_1 Apr 14 '24

What do you consider unaffordable that the ACA doesn't.

1

u/supern8ural Apr 14 '24

There was no way I could afford the premiums. They were over $1000 a month for a single guy at the time. And this was back when it first rolled out so there was a penalty for not enrolling but it was so much cheaper than the insurance that I just went without until I found another job

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1

u/revolvergrrl Apr 15 '24

Did you buy direct via Cigna or BCBS or other insurance company? I’m interested in doing just what you suggested.

2

u/Retire_date_may_22 Apr 15 '24

Shopped several. Went with Aetna

1

u/revolvergrrl Apr 15 '24

Did you contact them directly through a web site or call a broker? I know, this is me asking 50 questions. Also, did you go with low medium or high plan, and I know this is extra personal but how much is the annual premium? Thank you again for the input. I left my job in May ‘23 and have been consulting happily since then looking for good healthcare options. I’m 52.

2

u/chrysostomos_1 Apr 14 '24

So many insults in such a short time. What a guy!

1

u/supern8ural Apr 14 '24

I'm not being insulting if I'm just conveying facts.

1

u/chrysostomos_1 Apr 14 '24

Are you really so clueless? Like another said, get out of the basement and get some sunshine.

1

u/supern8ural Apr 14 '24

Where am I wrong? Show me where I'm wrong.

2

u/chrysostomos_1 Apr 15 '24

Read what I replied to maybe?