Re:We Don’t Need to Work So Much (2015)
by swagasaurus-rex on Tuesday July 28, 2020 @04:47PM
(#23980535)
The costs are just unbearably high.
$2000-$4000/mo family plans?
It's a mortgage with only downsides and no appreciation.
That seems high. I had an individual plan a couple years ago which was around $300 a month. As I understand, pricing varies widely by state, so maybe that explains the difference.
It's about the same cost as work-provided insurance, without having to work for the employer.
The upside is you get health care.
If your employer offers a health plan, you are ineligible for subsidies.
As it stands now, I think the last I checked a family plan costs ~$3k / month for me.
If I qualified for subsidies, I could get the same plan free. And I think that was also factoring in my current income, only changing whether my employer offered a health plan.
Edit:
Looked it up. In November 2019, the cheapest family plan available on the marketplace in my area was a "Catastrophic" level plan with a $16,300 total deductible for $1217.90 / month.
Does the set of Affordable Care Act healthcare plans that can be purchased by individuals by themselves qualify as breaking the link? I know that they're not all perfect, but it seems like a step in the right direction.