Check this out. health savings accounts, higher deductibles, and higher out of pocket expenses? I don't know, seems a little geared toward higher wage earners.:confused:
http://news.yahoo.com/analysis-romne...110405019.html
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Check this out. health savings accounts, higher deductibles, and higher out of pocket expenses? I don't know, seems a little geared toward higher wage earners.:confused:
http://news.yahoo.com/analysis-romne...110405019.html
anyone can use a hsa... you don't believe in paying for the services you receive?Quote:
Originally Posted by murral stark
If you could roll those unused dollars into the next year, I would be fine with it. The way ours is set up, whatever money that is left on 12/31 is gone. I buy insurance to offset my out of pocket expenses. what's the sense of having insurance if the deductibles and out of pocket expense is so high you can't afford it. I'd rather pay a little higher premium and have low deductible and out of pocket expenses as opposed to low premiums and high deductibles and out of pocket expense. either way, the insurance company is making huge profits and people that don't have a lot of extra cash get slammed with the medical bills. thus when the medical bills get so overwhelming, they file chapter 7. then nobody gets paid.Quote:
Originally Posted by huntinman
Welcome to Obamacare... it's gonna get worse.Quote:
Originally Posted by murral stark
did you read the article? It is Romney's idea to do these things with higher deductibles and out of pocket, not Obama's.Quote:
Originally Posted by huntinman
I won't ask you what's a little because you probably don't know - those of us who watch our health prefer lower premiums & higher deductibles - as I wrote WA state's do nothing senator many years ago.Quote:
Originally Posted by murral stark
In case you are anything between your ears a higher premium is a higher out of pocket expense & eligible to contribute to those profits you detest :rolleyes: :confused: :(
WE need to go back to the pre PPO/HMO days when Healthcare was affordable and everyone that needed it received care!
I would be fine with 10% to 20% higher premium. It's more up front, but that's why it's called insurance. I currently pay $200 per month in premiums. $500 deductible, 80/20 up to the first $1000 out of pocket and then insurance pays 100%, with no lifetime maximum. so with a premium 20% above what I currently pay, would be acceptable. I have plenty between my ears Mr. Smarty Pants, just not the same stuff you have between your ears. you have evidently made your fortune already, I am working on mine so with the plan Romney hinted at, I won't be able to get to my goal.Quote:
Originally Posted by Marvin S
That sounds like a pretty good plan for the price, Murral. Let's hope you get to keep it if Obamacare goes into place. If that includes wife and children, that is a downright bargain.Quote:
I would be fine with 10% to 20% higher premium. It's more up front, but that's why it's called insurance. I currently pay $200 per month in premiums. $500 deductible, 80/20 up to the first $1000 out of pocket and then insurance pays 100%,
You may already have the level of co-pay and deductible that Romney intends. Keep in mind that a lot of plans (like some unions or the Federal employee plan) may have far smaller co-pays and/or deductibles.
It will be very interesting to see what Romney's details turn out to be ... this should be a subject with which he has a LOT more experience than Obama ever had.
Our children are grown and on their own now. But those premiums I described are for the wife and I. I don't know it will play out in the future. How will it work that my company headquarters is not in the USA? I don't know. all I know, is right now, they are taking care of us pretty well and they have told us that it will continue to be the case. They have not lied to us yet, so I have every reason to believe that they are sincere.Quote:
Originally Posted by Gerry Clinchy