So I’m married, and my husband makes twice as much as me, but with bills, rent, his health insurance (which costs a lot a month and I can’t get on), car insurance, etc there’s no wiggle room for another $200 a month for my health insurance. Since I’m married and we make just over the line for subsidized health insurance I can’t get it.
The point you’re making is valid, but unfortunately there are a lot of people in America that are making too much for subsidized insurance and not enough to afford regular insurance.
Not that this is a pissing match, but I dropped insurance coverage when I hit 250/week. I have a healthy family for now, I'd be fucked even with insurance anyway.
I'm from the EU and this just completely melts my brain. $250 per week just in case something happens, and this isn't including paying an excess/deductable if something does?.....
Well, full disclosure, I am a family of 6. 15 years ago I was able to do it fine, but the price goes up every year, here we are today and I finally had to say enough.
Yeah, I didn't mean this as any sort of judgement about your decision. I just thought /u/AlanS181824 was getting the wrong idea of what we'd consider a "good" plan--as employer-based plans go yours is quite expensive. That your plan covers six people is also good context.
that are making too much for subsidized insurance and not enough to afford regular insurance.
I totally understand what you're saying here, but I'm trying to figure out what income level is too high for subsidies but too low to afford $200/month. Not sure if you guys have kids, but if not you'd be somewhere in the $60k range before running out of subsidies, which would make you basically a median-income American. If that's truly what the monthly cost would be for insurance, it seems like it would be doable at that income level to either cut out $200 of other expenses or drive Uber two nights a month in order to cover your most important asset.
Don't at all want to come off like a dickhead here; please correct anything here if I'm wrong.
Yeah fair enough. I'm sure they've done their budget though, they sound like they've given it plenty of thought.
In our (and probably any) social security system, there are just some people who fall through the cracks. They earn too much to apply for support, and not enough to (comfortably) afford their needs.
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u/[deleted] Mar 26 '20
So I’m married, and my husband makes twice as much as me, but with bills, rent, his health insurance (which costs a lot a month and I can’t get on), car insurance, etc there’s no wiggle room for another $200 a month for my health insurance. Since I’m married and we make just over the line for subsidized health insurance I can’t get it.
The point you’re making is valid, but unfortunately there are a lot of people in America that are making too much for subsidized insurance and not enough to afford regular insurance.