Comment by JKCalhoun

2 months ago

I read healthcare now amounts to buying a new car every year. (Except, of course, nothing new in your driveway, nothing to resell, etc.)

13 comments

JKCalhoun

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runako  2 months ago

This is misleading.

Health insurance premiums cost about as much as buying a new car every year. Healthcare is generally on top of those premium payments.

  • frogperson  2 months ago

    Yep, you and your employer pay $3500/month for the premium. Then you as an individual have a $12k to $15k per year deductible before the insurance even kicks in.

    • jdlshore  2 months ago

      That’s grossly exaggerated. Individual deductibles are limited by law to ~$6500 even on the worst plans. And no one is paying $3500 per month for individual coverage on one of those plans. The actual rates depend on age and zip code, but I’d be very surprised if they’re that high anywhere.

      To see the actual costs for yourself, go to healthcare.gov. The “bronze” plans are the ones with high deductibles. If you’re young and healthy, a high-deductible plan combined with an HSA is a very good idea.

      3 replies →

    • johnnienaked  2 months ago

      12-15k? Lol the highest one Ive ever seen in a high deductible plan was $7500 and that still had some co-pays and coinsurance

  • JKCalhoun  2 months ago

    I suspect it was health insurance premiums being discussed. Thanks.

    • runako  2 months ago

      I was being a little facetious and using your comment as a way to point out to non-Americans that being insured is miles away from getting healthcare. This is also not a normal thing.

johnnienaked  2 months ago

I pay $120/mo. I don't understand. Are you including the employer paid share in this calculation?