Open Enrollment Begins today

[wildcatsboston1984_rivals]

If any of you need to enroll in unaffordable health insurance for the upcoming calendar year, the open enrollment period starts today at healthcare.gov

I went on there to see what I would qualify for. Cheapest plan accounted for 12.7% of my annual yearly income. It would be fiscally irresponsible for me to enroll in that. I could just take that money, put it in a bank or some higher interest account, and I'd be much better off unless something absolutely catastrophic happened and then I'm effed no matter what anyways.

 

[-LEK-]

Good to see you passing off all your medical expenses to the rest of us that pay taxes and have health insurance.

 

[numberonedad]

If any of you need to enroll in unaffordable health insurance for the upcoming calendar year, the open enrollment period starts today at healthcare.gov

I went on there to see what I would qualify for. Cheapest plan accounted for 12.7% of my annual yearly income. It would be fiscally irresponsible for me to enroll in that. I could just take that money, put it in a bank or some higher interest account, and I'd be much better off unless something absolutely catastrophic happened and then I'm effed no matter what anyways.

Thanks for milking the system and passing your cost on to me. And i bet you are against illegal immigration as well.

 

[wildcatsboston1984_rivals]

Thanks for milking the system and passing your cost on to me. And i bet you are against illegal immigration as well.

What costs? Last year when I went to the doctor the one time I paid in full for the visit and the prescription medicine I got. It cost less than one full month of an insurance premium at this year's upcoming rates.

You should be blaming the people with insurance who senselessly go to the doctor every time they sneeze or decide to go to the ER every time they come down with a cold because their insurance will pay out more for an ER visit than a general doctor visit.

Or blame the doctors who insist on issuing costly prescriptions that aren't needed so they can make more money in kickbacks or deem an unnecessary surgery is needed because the insurance company will pay them more money.

I love capitalism, but alas these are some of the problems that are created when the country tries to turn people's health into a for-profit enterprise. Only folks that come out on the winning end are the insurance companies, health care providers, and drug companies.

 

[wildcatsboston1984_rivals]

But yes, I am opposed to illegal immigration, but not immigration entirely. I'm just opposed to the people that immigrate here, work, don't pay taxes, then reap all the benefits of being a US citizen while not helping pay for it.

If someone decides to immigrate to the US permanently, they should immediately enter the path to becoming a US citizen. Or if they don't want to be a US citizen, they should be required to pay all the same taxes as a US citizen on any income they earned while operating within US borders. If they are going to reap the benefits of living in America, they should have to pay for it like everyone else does. Just because they are a foreigner doesn't mean they should be granted special treatment.

 

[numberonedad]

What costs? Last year when I went to the doctor the one time I paid in full for the visit and the prescription medicine I got. It cost less than one full month of an insurance premium at this year's upcoming rates.

You should be blaming the people with insurance who senselessly go to the doctor every time they sneeze or decide to go to the ER every time they come down with a cold because their insurance will pay out more for an ER visit than a general doctor visit.

Or blame the doctors who insist on issuing costly prescriptions that aren't needed so they can make more money in kickbacks or deem an unnecessary surgery is needed because the insurance company will pay them more money.

I love capitalism, but alas these are some of the problems that are created when the country tries to turn people's health into a for-profit enterprise. Only folks that come out on the winning end are the insurance companies, health care providers, and drug companies.

what if you fall and hit your head and have a hospital stay? who is going to pay for that? thousands of dollars a day.

 

[wildcatsboston1984_rivals]

what if you fall and hit your head and have a hospital stay? who is going to pay for that? thousands of dollars a day.

That's why I have a catastrophic insurance plan. Only costs ~$100 a month. Basically completely worthless after three doctor visits except for situations like that. The cost savings of a plan like that are much more fiscally responsible than full health care coverage. I've saved well over $10,000 the last decade with one of those plans instead of getting a full coverage plan. A full plan would have only shaved off about ~$1,000 of the medical expenses I've acquired over that time span. I've come out over $9,000 ahead.

It's like car insurance, your car insurance doesn't pay for every time you take it in for minor service like inspection or an oil change, only when something "catastrophic" happens like an accident.

 

[Rex Kwon Do]

Welp, just took a quick glance at my options for '16.....just one step closer to saying "**** it, it's just not worth it" and live in the woods somewhere, live off the land. Forage for berries and whatnot.

At least the $2500 in premium reduction is likely in the mail. Will wait patiently for it.

 

[Wall2Boogie]

When can you sign up for an existing Netflix plan? Does open enrollment start today?

 

[-LEK-]

OP bitches about personal responsibility yet lives as a leech. And also doesn't see it.

America at its finest.

 

[WayneDougan_rivals170043]

The OP is being forced by the government to subsidize the old and the sick. I have a very wealthy aunt in her early sixties. She loves Obamacare because it significantly lowered her healthcare costs. Thanks OP, for hooking up wealthy old people.

 

[Chuckinden]

If any of you need to enroll in unaffordable health insurance for the upcoming calendar year, the open enrollment period starts today at healthcare.gov

I went on there to see what I would qualify for. Cheapest plan accounted for 12.7% of my annual yearly income. It would be fiscally irresponsible for me to enroll in that. I could just take that money, put it in a bank or some higher interest account, and I'd be much better off unless something absolutely catastrophic happened and then I'm effed no matter what anyways.

Or you could pay one premium and have a massive coronary tomorrow and survive only to find out you have to have a heart transplant and your insurance pays for it.

 

[wildcatsboston1984_rivals]

Or you could pay one premium and have a massive coronary tomorrow and survive only to find out you have to have a heart transplant and your insurance pays for it.

Hence why I literally said three hours ago I have a catastrophic insurance plan, but thanks for reading.

 

[rmattox]

I agree with the op. My family's premiums went up 50% from what they were before the unaffordable care act. I'd have a lot less problem with it if everyone paid the same percentage of his/her income...from the poorest to the wealthiest; if health care for illegals was not paid for by the rest of us; if there was a personal penalty for excessive visits to the ER. Make welfare persons pay 1/2 of their monthly allocation if they go to ER for something that ends up being a minor sickness...etc...

 

[crazyqx83_rivals88013]

If any of you need to enroll in unaffordable health insurance for the upcoming calendar year, the open enrollment period starts today at healthcare.gov

I went on there to see what I would qualify for. Cheapest plan accounted for 12.7% of my annual yearly income. It would be fiscally irresponsible for me to enroll in that. I could just take that money, put it in a bank or some higher interest account, and I'd be much better off unless something absolutely catastrophic happened and then I'm effed no matter what anyways.

Ours was 11% of our net income for a $6k deductible. That was through KY health coop. A non profit. Terrified to see what's going to happen to my premium and deductible now that I'm headed back into the for profit arena.

 

[crazyqx83_rivals88013]

Good to see you passing off all your medical expenses to the rest of us that pay taxes and have health insurance.

Don't be offended by this, but you're a moron.

Those of us that buy from the exchange are the ones being milked. I've paid $6k in premiums this year and have gotten absolutely zero covered. Everything is out of pocket up to $2k per individual and $6k for the family. So I have to pay $8k-$12k oop before anything is picked up. Hell of an actuarial set up I've got going for me.

It's the leeches getting full coverage from a huge corporate employer that go to the doctor for a 99 degree temperature and don't have a single idea what the process actually costs that are the problem.

 

[crazyqx83_rivals88013]

The OP is being forced by the government to subsidize the old and the sick. I have a very wealthy aunt in her early sixties. She loves Obamacare because it significantly lowered her healthcare costs. Thanks OP, for hooking up wealthy old people.

This is what the boomers have gotten us.

Aka the "pass the buck all the way to the grave" generation.

 

[wildcatsboston1984_rivals]

This is what the boomers have gotten us.

Aka the "pass the buck all the way to the grave" generation.

Don't forget the Ponzi scheme of social security as well!

 

[funKYcat75]

This thread is convincing me to keep teaching all the way to the grave.

 

[crazyqx83_rivals88013]

This thread is convincing me to keep teaching all the way to the grave.

Yup.

Sweet get up to work 9 months a year, get numerous other random days off throughout the year (including a full week in spring and 2 at christmas), pay like $10 a month for insurance with a $150 deductible and make the tax payers bear the burden of your sweet *** retirement plan.

But tell us more about how hard your job is from 8:30 to 3:00 when you can just send your toughest "clients" to in school suspension.

 

[rmattox]

Yup.

Sweet get up to work 9 months a year, get numerous other random days off throughout the year (including a full week in spring and 2 at christmas), pay like $10 a month for insurance with a $150 deductible and make the tax payers bear the burden of your sweet *** retirement plan.

But tell us more about how hard your job is from 8:30 to 3:00 when you can just send your toughest "clients" to in school suspension.

Crazy....I usually like your posts, but you're off base on this one. Educators to have good retirements and good insurance coverage. That was a consideration when they chose their careers. Why malign someone for the legal choice they made when you had the option of making the same choice? I can tell you for a fact, there are lots of educators that are not worth their salaries..That's true in all professions. I guarantee there are more "business" guys out there than not that would be run right out of a classroom that a 5'2" woman can handle.

 

[funKYcat75]

Don't forget we're not paying in SS either.

It's a bit more than $10, by the way. Also, my sweet retirement plan was in effect waaaaaaaaay before I started. I'll be sure to walk in and turn it down, though. Just as you would. No I.S.S. Where I work, either. Nice try with your pseudo-facts.

 

[-LEK-]

Don't be offended by this, but you're a moron.

Those of us that buy from the exchange are the ones being milked. I've paid $6k in premiums this year and have gotten absolutely zero covered. Everything is out of pocket up to $2k per individual and $6k for the family. So I have to pay $8k-$12k oop before anything is picked up. Hell of an actuarial set up I've got going for me.

It's the leeches getting full coverage from a huge corporate employer that go to the doctor for a 99 degree temperature and don't have a single idea what the process actually costs that are the problem.

Learn the paddock, dipshit. You've been here long enough to know how it works here, yet you are slow as hell and missed what I was doing.

Edit: I actually read some of your post. It's not the leeches. Look up any respectable study of what factors are associated with uprising cost, and none mention your dumb *** opinions. Tool.

 

[-LEK-]

Yup.

Sweet get up to work 9 months a year, get numerous other random days off throughout the year (including a full week in spring and 2 at christmas), pay like $10 a month for insurance with a $150 deductible and make the tax payers bear the burden of your sweet *** retirement plan.

But tell us more about how hard your job is from 8:30 to 3:00 when you can just send your toughest "clients" to in school suspension.

The levels of stupid with each of your posts is mind blowing.

 

[crazyqx83_rivals88013]

Don't forget we're not paying in SS either.

It's a bit more than $10, by the way. Also, my sweet retirement plan was in effect waaaaaaaaay before I started. I'll be sure to walk in and turn it down, though. Just as you would. No I.S.S. Where I work, either. Nice try with your pseudo-facts.

But you didn't deny the 9 month work year and plethora of paid days off.........

 

[crazyqx83_rivals88013]

Learn the paddock, dipshit. You've been here long enough to know how it works here, yet you are slow as hell and missed what I was doing.

Edit: I actually read some of your post. It's not the leeches. Look up any respectable study of what factors are associated with uprising cost, and none mention your dumb *** opinions. Tool.

Typical paddock poster.

Call someone a moron but don't offer a counter argument/facts.

The crux of my post is that I pay $7k a year in premiums and it doesn't do anything for me.... at all. It is basically catastrophic coverage that costs 2.5x more than it did pre-ACA. So please inform me who I am paying for. Because it sure as hell ain't my own family.

 

[funKYcat75]

But you didn't deny the 9 month work year and plethora of paid days off.........

Well, closer to 10 months when it's all said and done.

 

[rmattox]

But you didn't deny the 9 month work year and plethora of paid days off.........

Crazy...Teachers get paid for four holidays per year. Those are the ONLY days they get paid for not working. They have a 185 day +/- contract. Their salaries are simply divided into enough installments so they get paid the entire year.

 

[rmattox]

Typical paddock poster.

Call someone a moron but don't offer a counter argument/facts.

The crux of my post is that I pay $7k a year in premiums and it doesn't do anything for me.... at all. It is basically catastrophic coverage that costs 2.5x more than it did pre-ACA. So please inform me who I am paying for. Because it sure as hell ain't my own family.

Bottom line...we're paying for other people....many who don't deserve having their healthcare paid for. My family's coverage is less; costs more. I disagree wholeheartedly with those that say I should be happy because previously uninsured people now get healthcare coverage. I'm not.

 

[-LEK-]

Typical paddock poster.

Call someone a moron but don't offer a counter argument/facts.

The crux of my post is that I pay $7k a year in premiums and it doesn't do anything for me.... at all. It is basically catastrophic coverage that costs 2.5x more than it did pre-ACA. So please inform me who I am paying for. Because it sure as hell ain't my own family.

Typical dumbass.

No, I called your dumb *** out on making a claim of healthcare costs are rising due to gainfully employed people overusing a system that they keep together.

It's like your other claim that teachers are overpaid. Just retarded.

I then cited actual studies that show youre wrong. Most educated people that offer opinions are based in fact. Instead you just made up a cause with no support. Like most of your claims, you make some terrible opinion that is opposite of fact.

I said do a simple google search and educate yourself, but you're too lazy and willfully stupid.

Great anecdotal evidence...

 

[crazyqx83_rivals88013]

Crazy...Teachers get paid for four holidays per year. Those are the ONLY days they get paid for not working. They have a 185 day +/- contract. Their salaries are simply divided into enough installments so they get paid the entire year.

Which is the same as getting paid for those days...

There are 261 working days in a typical calendar year. Less the typical paid holidays (new years, memorial day, 4th, labor day, thanksgiving and christmas). Less 10 paid days for vacation.

That's 245 working days or 60 more days than the typical teacher. Which amounts to the average worker being at work 12 more weeks per year than a teacher.

What's the average 5 year tenured salary for a teacher in KY?

 

[crazyqx83_rivals88013]

Typical dumbass.

No, I called your dumb *** out on making a claim of healthcare costs are rising due to gainfully employed people overusing a system that they keep together.

It's like your other claim that teachers are overpaid. Just retarded.

I then cited actual studies that show youre wrong. Most educated people that offer opinions are based in fact. Instead you just made up a cause with no support. Like most of your claims, you make some terrible opinion that is opposite of fact.

I said do a simple google search and educate yourself, but you're too lazy and willfully stupid.

Great anecdotal evidence...

"Go look at google" is not citing a study.

You lose at the Internet for today. Try again.

 

[rmattox]

Which is the same as getting paid for those days...

There are 261 working days in a typical calendar year. Less the typical paid holidays (new years, memorial day, 4th, labor day, thanksgiving and christmas). Less 10 paid days for vacation.

That's 245 working days or 60 more days than the typical teacher. Which amounts to the average worker being at work 12 more weeks per year than a teacher.

What's the average 5 year tenured salary for a teacher in KY?

Come on Crazy.... A beginning teacher earns around $35K per year or about $200 per day. He/she works 185 days and receives that amount for 181 days and 4 holidays. The minimum workday is 7.5 to 8 hours. Most have about 45 minutes to plan, do class preparations, etc.... The best put in around 10 hour per day. In order to get the job done the way it needs to be done, that's what it takes.The worst make too much....no matter what you paid the best, it wouldn't be enough. Why the venom for those experiencing the benefits of a profession they chose?....A profession you could have chosen? When I was an administrator, I expected them to have the skills to improve achievement....no matter what it took. If they had to work until 11:00 pm...so be it. If they had to take a college class on their own dime, so be it. As for the 5 year teacher with a BS...probably around $40K.

 

[crazyqx83_rivals88013]

Come on Crazy.... A beginning teacher earns around $35K per year or about $200 per day. He/she works 185 days and receives that amount for 181 days and 4 holidays. The minimum workday is 7.5 to 8 hours. Most have about 45 minutes to plan, do class preparations, etc.... The best put in around 10 hour per day. In order to get the job done the way it needs to be done, that's what it takes.The worst make too much....no matter what you paid the best, it wouldn't be enough. Why the venom for those experiencing the benefits of a profession they chose?....A profession you could have chosen? When I was an administrator, I expected them to have the skills to improve achievement....no matter what it took. If they had to work until 11:00 pm...so be it. If they had to take a college class on their own dime, so be it. As for the 5 year teacher with a BS...probably around $40K.

I came out of school in 2007 with a degree that requires 50 more credit hours than a bachelor's in education. I made $31k with no health insurance or retirement. And I was working in July.

 

[rmattox]

I came out of school in 2007 with a degree that requires 50 more credit hours than a bachelor's in education. I made $31k with no health insurance or retirement. And I was working in July.

Got it....and that was your choice. Sounds like your profession is an underpaid...and likely under appreciated profession....Teachers are not the problem.

When you say 50 more hours than a ba/bs, do you mean a masters?

 

[crazyqx83_rivals88013]

Got it....and that was your choice. Sounds like your profession is an underpaid...and likely under appreciated profession....Teachers are not the problem.

When you say 50 more hours than a ba/bs, do you mean a masters?

No. My bachelor's degree required 180 credit hours.

 

[rmattox]

Wow! I've never heard of a bachelors that required that many hours. Mind sharing what your degree was in?

 

[crazyqx83_rivals88013]

Wow! I've never heard of a bachelors that required that many hours. Mind sharing what your degree was in?

BArch

 

[-LEK-]

"Go look at google" is not citing a study.

You lose at the Internet for today. Try again.

Use google scholar. Not sure how you've made it this far in life. We're done here, as you are obviously too retarded to even argue or too lazy to research.

But please go on with more horrible opinions that aren't based in fact.

 

[rmattox]

Your earning potential is high. Much higher than a teacher's....unless he/she becomes a much overpaid admin like I did.