iamwhatiseem
Diamond Member
Insurance is like going to Vegas to gamble.
You are betting you get sick... only way you will get a payout.
They are betting you won't.
Just received this years enrollment info.
3 Plans
PPO - $776/mo Premium, $1,500 deductible per member with annual max OOP at $17,400 (inc. premiums paid)
A traditional plan more or less, you are betting $9,312 that you will get sick and have more bills than $1,500 each
HSA 1 - $428/mo Premium, $2,500 deductible per member with max OOP $11,336
You are betting less... $5,136 that you will get sick and have bills over $2,500.
HSA 2 - $199/mo premium, $7,000 deductible, but max OOP is only $9,038.
You are betting the least amount. Only $2,388 you will get sick and have bills over $7000.
Choice is simple.
Pay a lot of money to save a few bucks if you really get sick. Or pay less money and risk it.
It used to be so fucking simple.
Everyone paid the same, and the deductible use to be $500, and the premiums were less than 1/4 the cost of today's plans.
Our system is broke. Rigged to make Insurance companies a LOT of money, and only pay a dime if you have a major crises.
You are betting you get sick... only way you will get a payout.
They are betting you won't.
Just received this years enrollment info.
3 Plans
PPO - $776/mo Premium, $1,500 deductible per member with annual max OOP at $17,400 (inc. premiums paid)
A traditional plan more or less, you are betting $9,312 that you will get sick and have more bills than $1,500 each
HSA 1 - $428/mo Premium, $2,500 deductible per member with max OOP $11,336
You are betting less... $5,136 that you will get sick and have bills over $2,500.
HSA 2 - $199/mo premium, $7,000 deductible, but max OOP is only $9,038.
You are betting the least amount. Only $2,388 you will get sick and have bills over $7000.
Choice is simple.
Pay a lot of money to save a few bucks if you really get sick. Or pay less money and risk it.
It used to be so fucking simple.
Everyone paid the same, and the deductible use to be $500, and the premiums were less than 1/4 the cost of today's plans.
Our system is broke. Rigged to make Insurance companies a LOT of money, and only pay a dime if you have a major crises.
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