deddog said:

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We looked it earlier this month. Our premiums were $1800 for a family of 4.

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I'm retired but not 65 so the monthly premium for me & my wife is just short of $900 and it's a high deductible plan to boot!

The small business I work for "covers" my insurance. But to add my wife and three daughters it was going to cost $4950/month for 2026, so I had to go get them a private policy.

A "friend" was just complaining that their premium is increasing from $19.00 to $135.00 per month. This woman retired at 62 and went on Obamacare until she qualifies for Medicare in two years. I am biting my tongue not to tell her to go back to work. Typical liberal, purple hair and believes the government owes her.

Family plan. $2.65k/month.

Tom Fox said:

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Family plan. $2.65k/month.

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Good God my friend.

It's such a racket.

TXAggieMom11 said:

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A "friend" was just complaining that their premium is increasing from $19.00 to $135.00 per month. This woman retired at 62 and went on Obamacare until she qualifies for Medicare in two years. I am biting my tongue not to tell her to go back to work. Typical liberal, purple hair and believes the government owes her.

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Tell her my COBRA for one month while we move from my insurance to my wife's is $2608 a month for a family of 5 (2 adults and 3 kids). She can kindly STFU.

And I thought paying 250 a month for the wife and I was high. Never complaining about insurance for a while.

Psycho Bunny said:

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And I thought paying 250 a month for the wife and I was high. Never complaining about insurance for a while.

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Many people don't realize the disparity between what they have with company insurance and what they get on the outside especially if it's F500 insurance. We paid $100 per month at the end of our corporate life in 2023 with a $3k deductible. Mine was actually completely free when I first started working at mine in 2000. In other words, our health insurance went up a measly $100 per month over the course of almost 25 years while working in corporate.

You leave corporate life and you are suddenly looking at least $1,500 per month and a $12k deductible. Quite the eye opener. We knew that going into it but many do not.

YouBet said:

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Psycho Bunny said:

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And I thought paying 250 a month for the wife and I was high. Never complaining about insurance for a while.

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Many people don't realize the disparity between what they have with company insurance and what they get on the outside especially if it's F500 insurance. We paid $100 per month at the end of our corporate life in 2023 with a $3k deductible. Mine was actually completely free when I first started working at mine in 2000. In other words, our health insurance went up a measly $100 per month over the course of almost 25 years while working in corporate.

You leave corporate life and you are suddenly looking at least $1,500 per month and a $12k deductible. Quite the eye opener. We knew that going into it but many do not.

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I've got great insurance for the wife and I through my employer at $350/month. At 61 I'd retire today if I could find something comparable. I can pay for the ridiculous Obamacare insurance to get us through to Medicare at 65, but I refuse to fork over an incremental $100k to subsidize the moochers. I'll keep working and add to our wealth instead. We don't have grandkids yet and can travel as we want and do fun things, so there's no rush.

YouBet said:

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Psycho Bunny said:

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And I thought paying 250 a month for the wife and I was high. Never complaining about insurance for a while.

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Many people don't realize the disparity between what they have with company insurance and what they get on the outside especially if it's F500 insurance. We paid $100 per month at the end of our corporate life in 2023 with a $3k deductible. Mine was actually completely free when I first started working at mine in 2000. In other words, our health insurance went up a measly $100 per month over the course of almost 25 years while working in corporate.

You leave corporate life and you are suddenly looking at least $1,500 per month and a $12k deductible. Quite the eye opener. We knew that going into it but many do not.

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You're right, most people have no clue.

A coworker of mine was telling me that before she and her husband went to work for the state, they had their own business and were paying about $2,000 a month for health insurance. They decided that since they were getting older and needing to use their insurance more often, they decided to close shop and come to the state where they now pay nothing for insurance.

She said that, yes, they are still bringing home less a month than before, but with medical bills starting to add up (old age and chronic health issues), they would likely still save money in the long run.

They will still have free health care as they show up to ERs for free treatment and the rest of us pay for it.

YouBet said:

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No Spin Ag said:

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YouBet said:

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Psycho Bunny said:

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And I thought paying 250 a month for the wife and I was high. Never complaining about insurance for a while.

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Many people don't realize the disparity between what they have with company insurance and what they get on the outside especially if it's F500 insurance. We paid $100 per month at the end of our corporate life in 2023 with a $3k deductible. Mine was actually completely free when I first started working at mine in 2000. In other words, our health insurance went up a measly $100 per month over the course of almost 25 years while working in corporate.

You leave corporate life and you are suddenly looking at least $1,500 per month and a $12k deductible. Quite the eye opener. We knew that going into it but many do not.

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You're right, most people have no clue.

A coworker of mine was telling me that before she and her husband went to work for the state, they had their own business and were paying about $2,000 a month for health insurance. They decided that since they were getting older and needing to use their insurance more often, they decided to close shop and come to the state where they now pay nothing for insurance.

She said that, yes, they are still bringing home less a month than before, but with medical bills starting to add up (old age and chronic health issues), they would likely still save money in the long run.

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This is just one more reason that we need to make it easier for non-corporate pools of workers to easily hook up and get some pricing leverage. One way to do this is to allow interstate health insurance. The Democrats won't allow it though.

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I like your idea.

I think a winning AF issue for the right would be to use the nuclear option to make your idea into law. Do it before the election ('28) and when it gets insurance prices low for more people than ever, it would help the GOPs nominee as well.

I mean, at some point, if they're (GOP) going to ever show they're NOT the flip-side of the dems in the establishment, this would be one hell of an issue to do it.

Just an idea.

No Spin Ag said:

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YouBet said:

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This is just one more reason that we need to make it easier for non-corporate pools of workers to easily hook up and get some pricing leverage. One way to do this is to allow interstate health insurance. The Democrats won't allow it though.

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I like your idea.

I think a winning AF issue for the right would be to use the nuclear option to make your idea into law. Do it before the election ('28) and when it gets insurance prices low for more people than ever, it would help the GOPs nominee as well.

I mean, at some point, if they're (GOP) going to ever show they're NOT the flip-side of the dems in the establishment, this would be one hell of an issue to do it.

Just an idea.

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It's a great idea. It doesn't take many people to spread the cost and keep premiums reasonable. I work for a small company with 500 people that is self-insured. The total monthly cost for health insurance is $1,686 per month for my family plan. My employers pays roughly 80% of that, leaving me with a premium of $350/month.

That $1,686 -- or $20k annually -- is for great family insurance, a PPO that allows you to see whoever you need to see without a referral, a $1,200 family deductible, and 20% co-pays. I suspect a lot of these people buying the crap Obamacare insurance at much higher prices would be relatively pleased if they could get good family insurance like that. Not cheap, but at least you get something for the coin you spend.

Spread the pool bigger than 500 people -- to like 5 million -- and the premiums would come down.

MemphisAg1 said:

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No Spin Ag said:

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YouBet said:

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This is just one more reason that we need to make it easier for non-corporate pools of workers to easily hook up and get some pricing leverage. One way to do this is to allow interstate health insurance. The Democrats won't allow it though.

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I like your idea.

I think a winning AF issue for the right would be to use the nuclear option to make your idea into law. Do it before the election ('28) and when it gets insurance prices low for more people than ever, it would help the GOPs nominee as well.

I mean, at some point, if they're (GOP) going to ever show they're NOT the flip-side of the dems in the establishment, this would be one hell of an issue to do it.

Just an idea.

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It's a great idea. It doesn't take many people to spread the cost and keep premiums reasonable. I work for a small company with 500 people that is self-insured. The total monthly cost for health insurance is $1,686 per month for my family plan. My employers pays roughly 80% of that, leaving me with a premium of $350/month.

That $1,686 -- or $20k annually -- is for great family insurance, a PPO that allows you to see whoever you need to see without a referral, a $1,200 family deductible, and 20% co-pays. I suspect a lot of these people buying the crap Obamacare insurance at much higher prices would be relatively pleased if they could get good family insurance like that. Not cheap, but at least you get something for the coin you spend.

Spread the pool bigger than 500 people -- to like 5 million -- and the premiums would come down.

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According to the Google, half of Americans are in the middle class.

Now imagine how low the premiums would be spread amongst half of the country? Yeah, this needs to be pushed hard.

Neither side really wants to solve it. Health care brings in a lot of donations. Both sides will ***** about the current solution, but even when they own all levels of the government, they don't try to fix it.

Where are y'all working with these obscene insurance rates? Mine is $317/mo through my employer for employee and family.

ACA is going to collapse and all of us, even people that get insurance through employers, are going to get hit with the death spiral.

AustinAg2K said:

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Neither side really wants to solve it. Health care brings in a lot of donations. Both sides will ***** about the current solution, but even when they own all levels of the government, they don't try to fix it.

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Clarification: The Democrats absolutely do not want to solve it because they built Obamacare to fail in the first place so that they can swoop in and "save us" with universal healthcare. Many of them have acknowledged this after ACA got passed. Part of the plan.

You are at least somewhat correct with the Republicans. They've had more than one opportunity to reform it and they've mostly done nothing even after holding dozens of virtue signaling votes to repeal it. Last week and early this week they were heralding a vote scheduled for Wednesday on their own healthcare plan which I linked to in this thread. Never happened and has seemingly been memory holed already. The vote never happened and I can now find nothing on it. It's as if it never existed. And I'm not talking about the separate vote on just extending subsidies. They had their own plan now seemingly disappeared.

waitwhat? said:

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Where are y'all working with these obscene insurance rates? Mine is $317/mo through my employer for employee and family.

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You are proving point of my "disparity" post above! These obscene rates are the reality for people who do not work for larger companies. And you are most likely just paying the tip of the iceberg. Talk to your employer about the portion they are covering on your behalf that you never see.

At my most recent employer, which was a smaller startup, we were paying about $550 per month. My boss was covering the other $1,500 per month and I was appreciative of that.

waitwhat? said:

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Where are y'all working with these obscene insurance rates? Mine is $317/mo through my employer for employee and family.

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It's ACA rates and private insurance, not corporate policies.

YouBet said:

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waitwhat? said:

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Where are y'all working with these obscene insurance rates? Mine is $317/mo through my employer for employee and family.

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You are proving point of my "disparity" post above! These obscene rates are the reality for people who do not work for larger companies. And you are most likely just paying the tip of the iceberg. Talk to your employer about the portion they are covering on your behalf that you never see.

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Right now, I pay $100 per month for medical, vision and dental. Next year, for just medical, it'll be almost $1000 per month for me under Cobra. So yeah, it's significant.

Logos Stick said:

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YouBet said:

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waitwhat? said:

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Where are y'all working with these obscene insurance rates? Mine is $317/mo through my employer for employee and family.

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You are proving point of my "disparity" post above! These obscene rates are the reality for people who do not work for larger companies. And you are most likely just paying the tip of the iceberg. Talk to your employer about the portion they are covering on your behalf that you never see.

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Right now, I pay $100 per month for medical, vision and dental. Next year, for just medical, it'll be almost $1000 per month for me under Cobra. So yeah, it's significant.

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Are you on Obamacare then, or what is causing such a sharp jump for you? One thing is for sure is the health insurance industry seems to be the most obvious racket besides political agitators "grifters"

I'm retiring. I will transition to Cobra which is basically my employers insurance but with me paying the full premium.

I was pointing out that my employer covers 90% of my medical insurance right now, which is what YouBet was talking about.

Logos Stick said:

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I'm retiring. I will transition to Cobra which is basically my employers insurance but with me paying the full premium.

I was pointing out that my employer covers 90% of my medical insurance right now, which is what YouBet was talking about.

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Ah, thanks. Got it now. You were not paying the full premium before. All is clear.

Kansas Kid said:

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They will still have free health care as they show up to ERs for free treatment and the rest of us pay for it.

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Not if we repeal EMTALA.

Interstate plans is just seems common sense. I had a not so fun health thing happen out of state and getting care was easy, the labyrinth of reimbursement was ridiculous.

As an aside, when I started my current role the company had an awful bronze plan and paid the first $100 if employees wanted on. One of my early initiatives was moving from 5 to 15 days PTO, no retirement plan to 5% match on 401k, and 100% paid health care for EEs and 50% from family adding 10% more for years of service. Turnover went from 35-50% in our front line roles to less than 10%. Profit neutral, and all of the administrative and operating headaches from 2nd and 3rd order turnover effects disappeared.

PDEMDHC said:

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TXAggieMom11 said:

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A "friend" was just complaining that their premium is increasing from $19.00 to $135.00 per month. This woman retired at 62 and went on Obamacare until she qualifies for Medicare in two years. I am biting my tongue not to tell her to go back to work. Typical liberal, purple hair and believes the government owes her.

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Tell her my COBRA for one month while we move from my insurance to my wife's is $2608 a month for a family of 5 (2 adults and 3 kids). She can kindly STFU.

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why would you pay that? if you have an emergency just go to the ER -