Before I get specifics I was wondering if anyone knows ballpark figure for providing health insurance for myself and two other employees (if there is such a thing)? I don't want employees to pay for insurance and want to provide the basics. Thanks!
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If you only have 2 or 3 employees then you should be looking at individual plans. They can buy them and you can reimburse them as long as your reimbursement is equal and fair. You can't give one employee $100 and the other $200 (unless of course that worked out to be an equal percentage of the cost). You'll pay (if they're healthy) a fraction 1/3 - 1/2 of what a group plan would run. Ballpark....at home plate it'd run $80/month and over in left field it'd run about $500/month for an individual. It depends on age, health, state, plan, etc...as someone said it's impossible to through out numbers (for example, the $350 and $1200 above serve no purpose whatsoever because it's accurate less than it's not)
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Thursday, February 3, 2011
Why is health insurance so incredibly expensive?
I am 32 years old with high blood pressure and obesity. I just started a new job (a small employer- only 3-4 employees), and we all desperately need health insurance. Kaiser wants to charge me $550 per month for my single policy!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!… I only earn 900 per month. If I go with Kaiser, I will only be taking home about 90 dollars each week!!!!!!!!!!!!!!!!!!!!!!!! This is absurd and unconscionable. I guess that Kaiser has a legal right to charge people whatever the hell they want to, but it's immoral. Wouldn't you agree? That high of a cost for health insurance is ludicrous.
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Its not unconscionable. Where have you been for the past 10 years? You plan is EXTREMELY typical. That whole 'national health care debate' thing... Health care, state of crisis, ring any bells???? Its not out of line. Suck it up, and apply for medicaid... try union insurance. Or, get healthier. If you're healthier, your insurance will be less expensive... OR, Go work for a company with better benefits. Most group insurance plans actually cost between 450-750 per person, per month. Mine is about $500.00 per month. My job pays about 80% of my premium... So, everyone's insurance is expensive... But, you're getting a raw deal because your employer isn't kicking in to help with your premium. Its not immoral... Kaiser has to pay their doctor's and electricity bills... They also run a fabulous research foundation. I'd rather pay them for insurance than pay for all my medical care alone. I'm pretty healthy, but know I couldn't afford it all on my own... Health insurance companies are greedy, and doctor's are greedy, and people are sick. mbrcatz17 is right. listen to her. she sounds less bitter than I.
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Its not unconscionable. Where have you been for the past 10 years? You plan is EXTREMELY typical. That whole 'national health care debate' thing... Health care, state of crisis, ring any bells???? Its not out of line. Suck it up, and apply for medicaid... try union insurance. Or, get healthier. If you're healthier, your insurance will be less expensive... OR, Go work for a company with better benefits. Most group insurance plans actually cost between 450-750 per person, per month. Mine is about $500.00 per month. My job pays about 80% of my premium... So, everyone's insurance is expensive... But, you're getting a raw deal because your employer isn't kicking in to help with your premium. Its not immoral... Kaiser has to pay their doctor's and electricity bills... They also run a fabulous research foundation. I'd rather pay them for insurance than pay for all my medical care alone. I'm pretty healthy, but know I couldn't afford it all on my own... Health insurance companies are greedy, and doctor's are greedy, and people are sick. mbrcatz17 is right. listen to her. she sounds less bitter than I.
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If you want to spend $6500 on a new boat instead of Health Insurance, will Obama Garnish your pay check?
If you have a job, the boss has to provide you insurance or pay a fine SO, if I want to buy a boat this year and take my chances with staying healthy, will the Obama Administration make my boss garnish my paycheck to pay for health insurance I don' want? I can't buy the boat if I have to put out all that money for insurance. Will they Garnish my paycheck?
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Under the ONLY Democrat plan anyone has ever claimed to have seen, there are CRIMINAL penalties if you attempt to avoid participating.
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Under the ONLY Democrat plan anyone has ever claimed to have seen, there are CRIMINAL penalties if you attempt to avoid participating.
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My mother is a single mother and teaches at a public college, she can afford health insurance?
Public school teachers aren't paid well. Being a single mother doesn't help. Her job doesn't pay for her health insurance, she does. So why can she afford it, when she clearly doesn't make a lot of money, but so many other people claim they can't? Isn't it a sign that you don't have to be rich to afford health care, like so many liberals claim?
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Try this site http://heinsurance.notlong.com here you can get quotes from different companies.
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Try this site http://heinsurance.notlong.com here you can get quotes from different companies.
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How do I get health insurance?
Ok Im 20 and I don't think I have health insurance. I want insurance to cover basic health and dental too. How can I get health insurance that is cheap and affordable in California? Thank you
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You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Understanding what you are buying is as important as the price. An agent can give you the knowledge you need so that you can decide what the right balance is between affordability and policy benefits. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant. On the other hand because you are young, presumably healthy and probably don't often use the health care system you might consider a plan that covers only the major health catastrophe. In this type of plan the insurance company does not pay benefits until you first reach a significant out of pocket cost (this is a deductible). Ask the agent if an HSA works for you. If you'd rather have more comprehensive individual health insurance coverage, such as preventive care coverage, consider a PPO or HMO plan with a lower deductible. Consider higher co-pays for doctor's office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead. Check with the agent that writes your other insurance or perhaps your parent's agent he/she can provide you a health insurance proposal that takes into account your budget and health status. They can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. (Networks in PPO and HMO plans are very important considerations). Some are going to suggest you go to their web site so that they earn a few pennies on a "click through". Some may suggest going on line to get a quote but you probably know there is much more to choosing the right health insurance than price. Use the Internet to educate yourself but use an agent to purchase the coverage.
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You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Understanding what you are buying is as important as the price. An agent can give you the knowledge you need so that you can decide what the right balance is between affordability and policy benefits. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant. On the other hand because you are young, presumably healthy and probably don't often use the health care system you might consider a plan that covers only the major health catastrophe. In this type of plan the insurance company does not pay benefits until you first reach a significant out of pocket cost (this is a deductible). Ask the agent if an HSA works for you. If you'd rather have more comprehensive individual health insurance coverage, such as preventive care coverage, consider a PPO or HMO plan with a lower deductible. Consider higher co-pays for doctor's office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead. Check with the agent that writes your other insurance or perhaps your parent's agent he/she can provide you a health insurance proposal that takes into account your budget and health status. They can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. (Networks in PPO and HMO plans are very important considerations). Some are going to suggest you go to their web site so that they earn a few pennies on a "click through". Some may suggest going on line to get a quote but you probably know there is much more to choosing the right health insurance than price. Use the Internet to educate yourself but use an agent to purchase the coverage.
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Can my GF be qualified for health insurance?
I was wondering if its possible to put my GF on my health insurance. It says in order for me to put her on my insurance, she needs to be a dependent on me. Well for these past taxes her brother put her as her dependent and well now I'm paying for everything for her, not her brother. Example: Food, Necessities, Gas, Transportation. Will she be considered by dependent or is there another way I can put her on my insurance because she needs the insurance, because she has MS and needs to see specialists.
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Do you live together? Some states (and some medical plans) have a domestic partner clause which would allow her to be covered under your health insurance if she meets certain criteria. Do you have coverage through your employer? If so, contact your HR department and ask them if a domestic partner can be covered by your health plan. They'll be able to answer your questions and even get the enrollment process going, if she's eligible.
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Do you live together? Some states (and some medical plans) have a domestic partner clause which would allow her to be covered under your health insurance if she meets certain criteria. Do you have coverage through your employer? If so, contact your HR department and ask them if a domestic partner can be covered by your health plan. They'll be able to answer your questions and even get the enrollment process going, if she's eligible.
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Why were republicans against mandated health insurance when the idea was theirs to begin with?
http://news.yahoo.com/s/ap/us_health_ove… Now we know republicans opposed it SOLELY for political reasons.
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you are absolutely right, it's nothing but politics. The republicans believe that they can convince enough of their ignorant screaming base that this is a bad idea, and that nobody will really care that it was a republican idea in the first place. They believe that somehow they can convince folks to let hypocrites run the government as opposed to democrats. It's the old adage of lawyers. "When the facts are on your side, argue the facts. When the law is on your side, argue the law. When neither are on your side, scream like hell." So they just scream like hell.
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you are absolutely right, it's nothing but politics. The republicans believe that they can convince enough of their ignorant screaming base that this is a bad idea, and that nobody will really care that it was a republican idea in the first place. They believe that somehow they can convince folks to let hypocrites run the government as opposed to democrats. It's the old adage of lawyers. "When the facts are on your side, argue the facts. When the law is on your side, argue the law. When neither are on your side, scream like hell." So they just scream like hell.
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