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shortfatbalduglyman
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28 Nov 2023, 7:58 am

How much do you pay for monthly premium healthcare?

Which health insurance company?

What is your annual income?

Medi-Cal mailed me a letter that said that I had to disclose change in income. Year 2022, earned $29000. Online, disclosed my income. Covered ca told me that the last day of Medi-Cal covering me is November 30. It told me to purchase a health plan through CoveredCA

Answered a couple questions from CoveredCA. It gave me a couple options. The cheapest was $425/month

That sounds way too expensive. Plenty of people, not just me, earn minimum wage.

I didn't purchase healthcare through my job because if I got made redundant I would not have insurance. The deadline was November 22 and already passed. But then my sister said that if I got made redundant, I would then be eligible for Medi-Cal.

When I purchase a plan I will see if it says anything about the Advanced Premium Tax Credit.

The IRS allows taxpayers to deduct healthcare expenses in excess of 7.5% their income, but only if they take the itemized deduction

($425/month)(12 monthly/year) / ($29000 yearly income) = 17.5% of my chump change goes to insurance if i get the $425 plan

17.5% - 7.5% = 10 %

($29000) (10 percent) = $2900 (according to the IRS, I could take a standardized deduction of $2900 for healthcare expenses)

But the standardized deduction for single filers is $13850, so unless I could deduct ($13850-2900) in other itemized deductions, it was cheaper to just take the standardized deduction

Plenty of people earn minimum wage, not just me. Plenty of them pay for healthcare, cars, children, and other expensive things. Even some of the day laborers have cars. Undocumented immigrants legally don't have a right to work, so they loiter all day, every day, in the parking lot of home Depot, where I work as a Lot Attendant. Undocumented immigrants not even eligible for Medi-Cal, food stamps or section eight housing. How do they pay for their expenses? When customers come, day laborers flock over there like geese and try to get work, but the vast majority of the time the day laborers are in the parking lot. I would know because I work in the parking lot. There are a lot of day laborers. They come every day, all day. They have the nerve to scream "Chino" at me. The men's litterbox contains only three toilets and the day laborers monopolize them. Three weeks ago a day laborer struck a bicyclist with a car. The parking lot is home Depot property and home Depot has a legal right to tell the day laborers to go away. Day laborers urinate in bottles and they litter and I have to clean it up.

Why does home Depot allow day laborers?



nick007
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Location: was Louisiana but now Vermont in the police state called USA

28 Nov 2023, 8:27 pm

shortfatbalduglyman wrote:
How much do you pay for monthly premium healthcare?

Which health insurance company?

What is your annual income?
I'm on Social Security Disability & that's my only official income which is $1076 a month. I do get money from my parents for birthdays & holidays & such but I don't declare that. I have Medicare & Medicare Extra Help so I have Vermont Medicaid which pays my Medicare premium & they also pay for me to have WellCare prescription insurance. The health center & docs, hospitals, & specialists I've seen here accept my insurance so I just have to pay $1.45 for prescriptions & full price for various meds & supplements I'm not prescribed.

Things were a lot worse 11 years ago when I lived with my parents. I was on SSI & had Louisiana Medicaid. No docs in my area would accept Medicaid thou so the only thing Medicaid paid for was my prescriptions & I paid $1 to $3 for each one. I needed private health insurance & the premiums cost me about half half my full SSI. On top of that I also had copays & deductibles whenever I saw a doc or had a test done. My insurance would not cover mental either so I paid a little over a $100 to see my psychiatrist every couple months. My mom often gripped about me not contributing to the household when I was not working but I simply could not afford to.


I wish you the best of luck with your insurance & everything else. I know that can be a real b!tch.


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colliegrace
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28 Nov 2023, 9:27 pm

At present I am uninsured aside from vision from my workplace. That will change on January 1st, because I've signed up for low premium insurance through my workplace. I have decent job security, so I can do that.
But right now, when I visit my Dr for example, I am on a sliding scale since I'm uninsured. I pay so much for each visit dependent on my income at the start of the year. Not sure how my care next year will be affected. I'll be with Blue Shield.

Insurance companies are a pain, and they do charge a lot without a workplace plan. My neighbor said she pays I think $200?? For Blue Shield. That said, they probably cover more of her medical stuff than my low premium workplace plan is going to.


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DanielW
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28 Nov 2023, 9:46 pm

I am an independent contractor, so don't have access to employer-subsidized insurance. I pay $350 per month and another $50 for supplemental prescription drug coverage. That still leaves me with co-pays on prescription drugs and most office visits to a Dr.

You would probably pay less on your employer's plan. Your sister is also correct that if you were made redundant you would then qualify for Medi-cal, so it doesn't make sense to worry about what might happen in the future. Its not like you would be able to afford private insurance if you were unemployed for whatever reason anyway.



auntblabby
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28 Nov 2023, 10:19 pm

right now, thank god, my health insurance is covered by the veteran's administration, via community care meaning they pay, per bi-annual review, my health care costs. so far this has happened as described since 2018 when trumpy kicked a bunch of us veterans off of obamacare. before then i had a bronze plan on washington state health which cost me about fifty bucks a month, plus fifty bucks copays. now i haven't been copayed for a few years now since covid. so far the va has not charged me a monthly premium because now i qualify for a disability rating. before that, i'd have to pay 'em a total of about a thousand bucks per year which is still a bargain compared to how much private individual health insurance costs a senior citizen if it is even still available on the private market, about twenty thousand bucks per annum for a bare-bones catastrophic only plan that pays only a portion for high value ER/ICU and OR treatment.



IsabellaLinton
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28 Nov 2023, 10:25 pm

I'm not American.

All medical doctors are free where I live, but I pay $500/month to my work benefits plan for prescription medication coverage, as well as access to psychologists, physiotherapy, occupational therapy, speech therapists, massage therapists, osteopaths, chiropractors, naturopaths, and all those other paraprofessionals. It also includes dental coverage.

When I retire in two months I'll only pay about $180 for the plan but it will cover less for each practitioner.


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