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You will have a deductible no matter - jeezlouise

Posted: Jun 15th, 2016 - 9:34 pm In Reply to: I dont get what people fail to understand about this whole post - I dont have money for the Un Affordable Care SM

what plan you buy: this has nothing to do with the ACA. The ACA has made plans more affordable. Most people buying a plan because they are ICs or their employers do not offer insurance were paying through the lungs for insurance - monthly premiums in the thousands. Even with employer insurance, employees still had deductibles.

Look at it from a risk POV. You can use the $48/month, get a physical, get your gyno visit in, and mammo (these might even be free) and only lay out a co-pay. Your risk if you become ill or injured is that you'll have to pay off a $6k tab - maybe. The risk of NOT having insurance is bigger. A trip to the ER can cost you $6k or you might end up with an illness or injury that costs thousands more.

If you cannot afford $48/month and occasional copays, then it's not the insurance costs that are the problem.

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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: 1315, 2016-06-13, 5:10 pm)
- I wish I could get a $48/month - plan (Views: 1309, 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: 940, 2016-06-13, 5:59 pm)
    - Your deductible is $6k but does it - apply-to (Views: 947, 2016-06-13, 6:07 pm)
    - I'd rather go without - fastfingers (Views: 1353, 2016-06-13, 6:56 pm)
      - Unfortunately, we dont take the insurance or have any, - we are penalized a huge sum SM (Views: 913, 2016-06-13, 8:16 pm)
        penalty - InTheKnow (Views: 913, 2016-06-14, 8:53 am)
        I dont get what people fail to understand about this whole post - I dont have money for the Un Affordable Care SM (Views: 827, 2016-06-14, 4:01 pm)
        You will have a deductible no matter - jeezlouise
        Health insurance is more than my mortgage. - THAT is messed up!! (Views: 1547, 2016-06-14, 3:08 pm)
        Scam - Backwoods Typist (Views: 997, 2016-06-15, 2:08 am)
- You don't PAY your deductible - Alana (Views: 1063, 2016-06-13, 6:10 pm)
  - I know that. But if I go to the doctor for anything, THAT is how much - I have to pay for a deductible SM (Views: 1015, 2016-06-13, 6:19 pm)
    - so what is going to happen should you need heart surgery - or something serious (Views: 1277, 2016-06-13, 9:11 pm)
      - Sister, I have thought of every option. I am one of the many - people in this country who are screwed SM (Views: 944, 2016-06-13, 9:14 pm)
        Well I pray that doesnt happen. - no name (Views: 751, 2016-06-13, 9:26 pm)
    - I think you are looking at this wrong... - You are paying 576$ yearly in premiums.. (Views: 971, 2016-06-15, 12:43 pm)
    - one thing you might not have thought of - Insured (Views: 668, 2016-06-22, 7:25 pm)
- 700/month, 8,000 ded times 1 person - in my dreams (Views: 1041, 2016-06-13, 7:05 pm)
- www dot healthcare dot gov - You-might (Views: 1056, 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: 1002, 2016-06-13, 9:12 pm)
    - If you have a co-pay at the doctor's office - btdt (Views: 809, 2016-06-14, 8:08 am)
- I mentioned this in an earlier post - sm (Views: 1005, 2016-06-14, 6:36 am)
- 40$ A month is super cheap. Go for it. - you never know when something might happen (Views: 989, 2016-06-14, 10:03 pm)
- Going without major medical is like betting in - Las Vegas. (Views: 832, 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: 802, 2016-06-18, 11:27 am)
  - People get it, but you still don't understand - how deductibles work (Views: 795, 2016-06-18, 8:26 pm)
  - You are the one who doesn't get it. - who cannot afford 48$ a month ... (Views: 769, 2016-06-21, 10:50 am)
    - It's highly likely the OP would not have - pay-towards (Views: 715, 2016-06-21, 3:53 pm)
- What's the problem then? Don't pay - Debra (Views: 844, 2016-06-18, 8:39 pm)
- I'm surprised this thread wasn't moved - to-the-proper-board (Views: 657, 2016-06-21, 3:58 pm)