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I think you are looking at this wrong... - You are paying 576$ yearly in premiums..

Posted: Jun 15th, 2016 - 12:43 pm In Reply to: I know that. But if I go to the doctor for anything, THAT is how much - I have to pay for a deductible SM

but you don't have to pay 6,000 in deductible if you don't have to go to the doctor or if you only go a couple of times. Don't average that 6,000 out monthly. I have had Obamacare for 3? years and have only paid out (besides my premiums) probably less than 1,000$. I am the poster above with the long post on how to save money on health care costs.

Think of it like car insurance. You probably pay out more than 48$ a month on car insurance and really don't get anything for it EXCEPT if you cause an accident. THEN you are darned glad you have car insurance, especially with everybody so sue happy nowdays.

Or maybe I am not seeing your situation correctly...maybe you have a chronic health condition and you are sure you will spend 6,000$ a year going to the doctor, etc. But, keep in mind what I said about discounts. Your 6,000 out of pocket might be 3,000 or less after discounts depending on your income. If your income is low enough, you can even get free care from the hospitals. Clinics don't always give discounts but be sure to check with them.

Good luck to you.

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Complete Discussion Below: (

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Is anyone else caught between the rock and the hard place - as far as O-care, to pay or not to pay? sm (Views: 1305, 2016-06-13, 5:10 pm)
- I wish I could get a $48/month - plan (Views: 1299, 2016-06-13, 5:41 pm)
  - That is what the total yearly deductible comes out to if I - figure it each month. The basic plan SM (Views: 926, 2016-06-13, 5:59 pm)
    - Your deductible is $6k but does it - apply-to (Views: 936, 2016-06-13, 6:07 pm)
    - I'd rather go without - fastfingers (Views: 1342, 2016-06-13, 6:56 pm)
      - Unfortunately, we dont take the insurance or have any, - we are penalized a huge sum SM (Views: 904, 2016-06-13, 8:16 pm)
        penalty - InTheKnow (Views: 905, 2016-06-14, 8:53 am)
        I dont get what people fail to understand about this whole post - I dont have money for the Un Affordable Care SM (Views: 816, 2016-06-14, 4:01 pm)
        You will have a deductible no matter - jeezlouise (Views: 823, 2016-06-15, 9:34 pm)
        Health insurance is more than my mortgage. - THAT is messed up!! (Views: 1535, 2016-06-14, 3:08 pm)
        Scam - Backwoods Typist (Views: 989, 2016-06-15, 2:08 am)
- You don't PAY your deductible - Alana (Views: 1051, 2016-06-13, 6:10 pm)
  - I know that. But if I go to the doctor for anything, THAT is how much - I have to pay for a deductible SM (Views: 1004, 2016-06-13, 6:19 pm)
    - so what is going to happen should you need heart surgery - or something serious (Views: 1269, 2016-06-13, 9:11 pm)
      - Sister, I have thought of every option. I am one of the many - people in this country who are screwed SM (Views: 935, 2016-06-13, 9:14 pm)
        Well I pray that doesnt happen. - no name (Views: 743, 2016-06-13, 9:26 pm)
    - I think you are looking at this wrong... - You are paying 576$ yearly in premiums..
    - one thing you might not have thought of - Insured (Views: 659, 2016-06-22, 7:25 pm)
- 700/month, 8,000 ded times 1 person - in my dreams (Views: 1032, 2016-06-13, 7:05 pm)
- www dot healthcare dot gov - You-might (Views: 1046, 2016-06-13, 8:26 pm)
  - I have exhausted every avenue. I am an IC MT, I make too much - money even after I pay my taxes SM (Views: 994, 2016-06-13, 9:12 pm)
    - If you have a co-pay at the doctor's office - btdt (Views: 801, 2016-06-14, 8:08 am)
- I mentioned this in an earlier post - sm (Views: 996, 2016-06-14, 6:36 am)
- 40$ A month is super cheap. Go for it. - you never know when something might happen (Views: 980, 2016-06-14, 10:03 pm)
- Going without major medical is like betting in - Las Vegas. (Views: 824, 2016-06-18, 1:55 am)
- I guess out of all these responses, nobody really understood - or read very well to get the point. SM (Views: 794, 2016-06-18, 11:27 am)
  - People get it, but you still don't understand - how deductibles work (Views: 785, 2016-06-18, 8:26 pm)
  - You are the one who doesn't get it. - who cannot afford 48$ a month ... (Views: 757, 2016-06-21, 10:50 am)
    - It's highly likely the OP would not have - pay-towards (Views: 707, 2016-06-21, 3:53 pm)
- What's the problem then? Don't pay - Debra (Views: 832, 2016-06-18, 8:39 pm)
- I'm surprised this thread wasn't moved - to-the-proper-board (Views: 647, 2016-06-21, 3:58 pm)