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Home » Discuss » Archives » General Discussion (1/22-2007 thru 12/14/2010) Donate to DU
Lydia Leftcoast Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Jun-21-07 08:24 PM
Response to Reply #62
159. This assumes that you have the financial resources to
pay the monthly costs of even a high-deductible plan (even that's expensive if you're over fifty) AND put a few hundred in savings on top of what you're already putting aside for other purposes?

It's a fantastic tax shelter for the affluent. I considered it, but realized that it would make me "insurance poor" in the same way that some people are "house poor."
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  -I have fucking HAD IT with health insurance in this country magellan  Jun-19-07 02:33 PM   #0 
  - You could do what a lot of folks do...  MNDemNY   Jun-19-07 02:37 PM   #1 
  - Make some local phone calls today.  liberaldemocrat7   Jun-19-07 03:15 PM   #22 
  - That--and outlaw for-profit health insurance  StopThePendulum   Jun-19-07 09:05 PM   #49 
     - I had my insurance company deny payment for a procedure  PA Democrat   Jun-20-07 08:03 AM   #99 
     - I had my insurance company deny payment for a procedure  raccoon   Jun-20-07 09:32 AM   #106 
     - Ha! Some of the worst gougers are allegedly "non-profit"  Lydia Leftcoast   Jun-21-07 08:17 PM   #158 
     - They deserve a long and painful demise  kurth   Jun-22-07 01:28 AM   #169 
  - Yeah, cheap & cheery health coverage  magellan   Jun-19-07 07:22 PM   #31 
  - Have you tried a different carrier?  question everything   Jun-19-07 07:32 PM   #34 
     - We're going to phone around  magellan   Jun-19-07 11:04 PM   #60 
     - Thought I should let you know what our broker said  magellan   Jun-21-07 12:04 AM   #135 
  - I wouldn't recommend that  Carni   Jun-19-07 08:32 PM   #47 
     - used to be in the "olden days" if you owed some one money and  madmom   Jun-20-07 11:12 AM   #115 
  - They don't really want you to remain their customer.  bunkerbuster1   Jun-19-07 02:37 PM   #2 
  - That's what I hate about insurance of any kind, but espeically health insurance  ComerPerro   Jun-19-07 02:42 PM   #4 
  - It's just a matter of time before this country goes to a single-payer system  bunkerbuster1   Jun-19-07 02:57 PM   #14 
  - Wait until you have two insurances....and they argue over who isn't going to pay  windbreeze   Jun-19-07 05:01 PM   #29 
  - You nailed it  magellan   Jun-19-07 07:28 PM   #32 
  - Same here  kurth   Jun-22-07 01:30 AM   #170 
  - but gee, aren't you glad to live here in the land of the free, where you can see any doctor you want  ComerPerro   Jun-19-07 02:39 PM   #3 
  - And yet people keep immigrating here  Freddie Stubbs   Jun-19-07 02:44 PM   #6 
  - Only because here is where  ProudDad   Jun-20-07 12:34 AM   #77 
  - Many of those immigrants have no medical insurance in their original  raccoon   Jun-20-07 09:35 AM   #107 
  - Well to be honest, our one major experience with the UK healthcare system wasn't great  magellan   Jun-19-07 07:38 PM   #37 
  - I'll rant with you! How about $893 a MONTH for an individual  Raven   Jun-19-07 02:42 PM   #5 
  - Heh, the last time I ever bought my seizure medicine it was $550 for a month  ComerPerro   Jun-19-07 02:46 PM   #8 
  - I will  lildreamer316   Jun-19-07 03:11 PM   #20 
  - I wish I could find one for that little.  Warpy   Jun-19-07 02:48 PM   #10 
  - They only pay 80%  Virginian   Jun-20-07 12:53 AM   #88 
     - he's right, everybody's taken a pay cut but insurance execs  Warpy   Jun-20-07 09:18 AM   #104 
  - OMG, that's outrageous!  magellan   Jun-19-07 07:49 PM   #39 
     - one word....Capitalism  Pharaoh   Jun-19-07 08:18 PM   #45 
        - Well, I'm not opposed to capitalism as long as it's well regulated  magellan   Jun-19-07 10:49 PM   #56 
           - Capitalism is wonderful for fast food, CDs, and baseball caps...  KansDem   Jun-21-07 09:20 AM   #143 
  - Sometimes associations have group plans -- have you checked out  aikoaiko   Jun-19-07 02:45 PM   #7 
  - We haven't  magellan   Jun-19-07 07:50 PM   #40 
  - The only ones I've heard about  ProudDad   Jun-20-07 12:36 AM   #79 
     - Sounds like ProudDad is giving good advice  aikoaiko   Jun-20-07 09:39 AM   #108 
  - If you are fairly young and fairly healthy,  Big Blue Marble   Jun-19-07 02:47 PM   #9 
  - Spouse & I have an HSA this year  DemReadingDU   Jun-19-07 02:59 PM   #15 
  - HSAs are UTTER BULLSHIT  ProudDad   Jun-20-07 12:38 AM   #81 
     - I disagree, they have their place  MiniMe   Jun-20-07 09:24 AM   #105 
        - That's a FSA  RGBolen   Jun-20-07 04:20 PM   #119 
  - I'm just opposed to HSAs  magellan   Jun-19-07 07:57 PM   #42 
     - You have the money in the account invested, it grows tax free  RGBolen   Jun-19-07 11:11 PM   #62 
        - I'd like to trust HSAs  magellan   Jun-19-07 11:31 PM   #64 
        - You pay taxes and a 10% penalty on anything withdrawn before age 65 that is not for medical  RGBolen   Jun-19-07 11:45 PM   #68 
           - Okay, I'll admit it  magellan   Jun-20-07 12:10 AM   #71 
              - No problem.  RGBolen   Jun-20-07 12:13 AM   #72 
              - I was hesitant about HSA too, but  DemReadingDU   Jun-20-07 06:09 AM   #92 
                 - Thanks!  magellan   Jun-20-07 10:55 AM   #114 
        - This assumes that you have the financial resources to  Lydia Leftcoast   Jun-21-07 08:24 PM   #159 
  - Check with your chamber of commerce  Marrah_G   Jun-19-07 02:49 PM   #11 
  - Are you talking about the small business association?  magellan   Jun-19-07 07:59 PM   #43 
  - Yes, SBA works also  Marrah_G   Jun-19-07 08:56 PM   #48 
     - You and your boss are fortunate  magellan   Jun-19-07 10:57 PM   #59 
  - I'd rather the chambers of commerce  ProudDad   Jun-20-07 12:41 AM   #82 
     - True but if they can point a small business owner to a group health plan it's worth a call  Marrah_G   Jun-20-07 07:37 AM   #98 
  - tell me about it  GTRMAN   Jun-19-07 02:49 PM   #12 
  - making a killing -- hand over fist  Supersedeas   Jun-19-07 04:25 PM   #27 
  - Same here. If we had put what we paid the insurance company into the  Decruiter   Jun-19-07 07:01 PM   #30 
  - "...since leaving the UK"  depakid   Jun-19-07 02:53 PM   #13 
  - It wasn't a mistake, actually  magellan   Jun-19-07 10:35 PM   #53 
     - What did I miss here?  ben_meyers   Jun-19-07 10:50 PM   #57 
     - No, no  magellan   Jun-19-07 11:13 PM   #63 
     - You may change your mind  ProudDad   Jun-20-07 12:45 AM   #84 
     - I don't buy into the myth at all  magellan   Jun-20-07 01:00 AM   #90 
     - and now....?!  july302001   Jun-20-07 06:56 AM   #95 
        - Toodles!  magellan   Jun-20-07 05:32 PM   #122 
  - You should consider catastrophic care with high deductable  youngdem   Jun-19-07 03:01 PM   #16 
  - If we were younger we'd do that  magellan   Jun-19-07 11:38 PM   #66 
  - No insurance is perfect  ProudDad   Jun-20-07 12:47 AM   #85 
  - Michael Moore Tackles these issues in his movie Sicko  dogday   Jun-19-07 03:02 PM   #17 
  - That's "free at the point of service" health care  eridani   Jun-19-07 07:50 PM   #41 
     - They pay nothing  dogday   Jun-20-07 12:21 PM   #118 
        - Actually, we do pay a monthly premium, providing we are above a defined poverty  Spazito   Jun-20-07 04:35 PM   #120 
        - In MM movie Sicko, every single person he interviewed  dogday   Jun-21-07 08:53 AM   #140 
           - It depends on how the question is asked, imo  Spazito   Jun-21-07 01:07 PM   #144 
              - It was how much money did you pay for the  dogday   Jun-21-07 03:50 PM   #149 
                 - Ahhh, the answer to those questions, then, could well be no  Spazito   Jun-21-07 04:16 PM   #151 
        - Paying taxes isn't "nothing"  eridani   Jun-20-07 05:01 PM   #121 
           - We pay a great deal in Taxes, would like to see  dogday   Jun-21-07 08:51 AM   #139 
              - What we need to do is to take the premiums that are wasted by private insurers--  eridani   Jun-21-07 07:40 PM   #156 
                 - I don't think we need new taxes anyway  dogday   Jun-22-07 10:56 AM   #176 
  - see michael moore's newest, "sicko" --and see just how awful things really are here in the richest  niyad   Jun-19-07 03:04 PM   #18 
  - You could try our plan  catmandu57   Jun-19-07 03:07 PM   #19 
  - You gave both me and hubby a laugh  magellan   Jun-20-07 12:38 AM   #80 
  - have you been to this site yet?  LSK   Jun-19-07 03:13 PM   #21 
  - I used to get my health insurance from them and they are quite  Cleita   Jun-19-07 07:37 PM   #36 
  - No, but it turns out my husband has  magellan   Jun-19-07 11:36 PM   #65 
  - Jeezus.  Clark2008   Jun-19-07 03:28 PM   #23 
  - If it were just me I'd do that  magellan   Jun-20-07 12:43 AM   #83 
     - I know - healthcare coverage in this country SUCKS.  Clark2008   Jun-22-07 10:17 AM   #174 
  - Read your fine print  China_cat   Jun-19-07 03:33 PM   #24 
  - LOL!  Cleita   Jun-19-07 07:39 PM   #38 
  - ROFL  magellan   Jun-19-07 11:40 PM   #67 
  - And of course our swell Congresspeople  Golden Raisin   Jun-19-07 03:36 PM   #25 
  - Russ Feingold had a great ad in the last election  dragonlady   Jun-19-07 04:19 PM   #26 
  - I have only seen a doctor  Coyote_Bandit   Jun-19-07 04:45 PM   #28 
  - We deserve the same level of care that CONGRESS gets  magellan   Jun-19-07 11:48 PM   #69 
  - What the HELL is health insurance??????  Breeze54   Jun-19-07 07:29 PM   #33 
  - It's an effin' SCAM, that's what!  magellan   Jun-20-07 12:01 AM   #70 
  - Also, those deductibles are per year and only for the  Cleita   Jun-19-07 07:35 PM   #35 
  - Agreed, Medicare for all  magellan   Jun-20-07 12:23 AM   #73 
     - HR 676  ProudDad   Jun-20-07 12:50 AM   #86 
        - Kucinich is my man  magellan   Jun-20-07 01:02 AM   #91 
  - Makes me feel better about working for the state  Gatchaman   Jun-19-07 08:15 PM   #44 
  - Wow, that's good!  magellan   Jun-20-07 12:30 AM   #74 
  - try an HMO if you can near you. or just getting major medical, i.e. catastrophic coverage, which  robinlynne   Jun-19-07 08:24 PM   #46 
  - Oh, I had a very bad experience with an HMO some years ago  magellan   Jun-20-07 12:34 AM   #78 
     - I have kaiser. i'm in california. around 300 a month (I'm 49). no deductible. The  robinlynne   Jun-20-07 10:36 AM   #111 
        - Coincidentally it happened when I lived in CA and was on Kaiser  magellan   Jun-20-07 10:53 AM   #113 
        - I was stuck with Kaiser when I lived in So. California.  Cleita   Jun-20-07 05:38 PM   #123 
  - We're in same position, paying about the same $$.  philly_bob   Jun-19-07 09:10 PM   #50 
  - That's the blessed truth  magellan   Jun-20-07 12:51 AM   #87 
  - no, you simply can't be self-employed in this country any more  pitohui   Jun-19-07 10:10 PM   #51 
  - My wife and I can't get private insurance. Period.  hunter   Jun-20-07 08:10 PM   #132 
  - Now that's sad  treestar   Jun-21-07 01:48 PM   #146 
  - i've had it w/ insurance, period. it's a racket; they take your money every month, but when it come  HardRocker05   Jun-19-07 10:16 PM   #52 
  - self employed and no insurance. ta da! n/t  orleans   Jun-19-07 10:40 PM   #54 
  - The ONLY reason hat there is not Universal Health Care in  rasputin1952   Jun-19-07 10:45 PM   #55 
  - I think I've found a solution for myself -- some of you may be interested  Morgana LaFey   Jun-19-07 10:56 PM   #58 
  - get a reference from someone in your area who has done this  pitohui   Jun-20-07 12:32 AM   #75 
  - Good advice, but I trust the company thru which this is being offered  Morgana LaFey   Jun-21-07 04:58 PM   #152 
  - BE VERY CAREFUL  ProudDad   Jun-20-07 12:56 AM   #89 
  - Oh, I'm very sure this isn't a scam  Morgana LaFey   Jun-21-07 04:59 PM   #153 
  - are you in marketing?  datasuspect   Jun-20-07 06:12 AM   #93 
     - no nt  Morgana LaFey   Jun-21-07 04:59 PM   #154 
  - I'm self employed and I'm with Golden Rule (United Health care)  Lorien   Jun-19-07 11:06 PM   #61 
  - Same as us  magellan   Jun-20-07 06:03 PM   #127 
     - Less than a year  Lorien   Jun-20-07 10:08 PM   #134 
  - I hate to break it to you but $1740 a quarter for 2 people  ProudDad   Jun-20-07 12:33 AM   #76 
  - We're self-employed, too, and my only advice to you is to not age  Vinca   Jun-20-07 06:50 AM   #94 
  - I know this is what we're facing  magellan   Jun-20-07 06:24 PM   #130 
  - here's your problem:  july302001   Jun-20-07 07:02 AM   #96 
  - This post infuriates me  july302001   Jun-20-07 07:17 AM   #97 
  - PSST! The poster is an American. This is her home.  PA Democrat   Jun-20-07 08:25 AM   #100 
  - I think you need to chill.  agtcovert   Jun-20-07 08:29 AM   #101 
  - Well that was the last thing I was expecting to read at DU today.  oktoberain   Jun-20-07 08:32 AM   #102 
  - I was born here and I'll be damned before I accept the Reagan ideal of anything.  Lars39   Jun-20-07 08:37 AM   #103 
  - "Either you accept the way we do things here in the United States, or you go back home."  PelosiFan   Jun-20-07 11:30 AM   #116 
  - PA Democrat is right: I'm an American, born and bred  magellan   Jun-20-07 05:50 PM   #125 
  - Magellan, I wish you good luck in getting some health insurance.  Radio_Lady   Jun-22-07 01:12 AM   #168 
     - Thanks, Radio Lady  magellan   Jun-22-07 01:48 AM   #171 
  - an ideological choice  july302001   Jun-20-07 10:26 AM   #109 
  - Wow! YOU "believe" that the poster has plenty of resources to afford  PA Democrat   Jun-20-07 10:42 AM   #112 
  - delete  PelosiFan   Jun-20-07 11:39 AM   #117 
  - it doesn't appear to be an ideological choice, it appears the OP is an american citizen  pitohui   Jun-20-07 06:05 PM   #129 
  - How do you know why the poster came to the US from the UK?  treestar   Jun-21-07 01:43 PM   #145 
     - Actually, I'm the American citizen and my husband is British  magellan   Jun-21-07 03:12 PM   #147 
  - It would be cheaper to buy a plane ticket back to the UK and get  dkofos   Jun-20-07 10:29 AM   #110 
  - Yes, probably even Cuba. n/t  Cleita   Jun-20-07 05:41 PM   #124 
  - Can't do that because we're no longer residents of the UK  magellan   Jun-20-07 05:56 PM   #126 
     - seriously consider doing what we did  pitohui   Jun-20-07 06:03 PM   #128 
        - It wouldn't make much sense in our situation  magellan   Jun-20-07 06:39 PM   #131 
           - oh dear i was afraid it might be something like that  pitohui   Jun-21-07 03:53 PM   #150 
              - It's hard for us to find time off in lengths  magellan   Jun-21-07 11:43 PM   #161 
  - I feel your pain....  BlackVelvet04   Jun-20-07 08:15 PM   #133 
  - Just wow  magellan   Jun-21-07 12:18 AM   #136 
     - I think many more than 47 million are uninsured. They've been using  Vinca   Jun-21-07 06:19 AM   #137 
     - Every year we've had this insurance which is BCBS  BlackVelvet04   Jun-21-07 08:44 AM   #138 
  - dupe-self delete  sybylla   Jun-21-07 09:12 AM   #141 
  - Self employed and in the same situation  sybylla   Jun-21-07 09:13 AM   #142 
  - It's heartbreaking to read your story  magellan   Jun-21-07 03:32 PM   #148 
  - Welcome to the land of the medically fucked...  warren pease   Jun-21-07 06:37 PM   #155 
  - I know (sigh)  magellan   Jun-22-07 12:09 AM   #163 
     - How the bastards justify it all...  warren pease   Jun-22-07 10:15 AM   #173 
  - Welcome to America. Insurance rates gp up for no apparent reason (except greed)  Nikki Stone1   Jun-21-07 07:58 PM   #157 
  - 2 words - "medical tourism" - Google it, my friend  Phoebe Loosinhouse   Jun-21-07 08:26 PM   #160 
  - Fascinating, thanks!  magellan   Jun-22-07 12:13 AM   #164 
     - And check these rates...  warren pease   Jun-22-07 11:32 AM   #177 
  - Sounds like you Brits aren't tough enough to survive the American healthcare industry.  Bozita   Jun-21-07 11:54 PM   #162 
  - I'm American, my husband is British  magellan   Jun-22-07 12:34 AM   #165 
     - I'm furious.  Bozita   Jun-22-07 12:49 AM   #166 
        - I hope you're right!  magellan   Jun-22-07 12:58 AM   #167 
           - I watched it too a few days ago, it is definitely going to stir up the pot  48percenter   Jun-22-07 10:19 AM   #175 
  - A new job. That's what we did.  SmokingJacket   Jun-22-07 01:59 AM   #172 
     - Canadian auto plants are cheaper to operate due to (are you ready?) ... healthcare costs  Bozita   Jun-23-07 11:50 PM   #178 
 

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