I pay $600/month for my "employer provided" health insurance
I pay $600/month for my "employer provided" health insurance
idk man I just need to vent i guess
my employer "provides" health insurance in exchange for my time and labor, and for that great privilege they take $600 out of my paycheck every month (covers me, my wife, and our 1yo son)
that's half our monthly mortgage payment; it's 2/3 our monthly grocery bill
why?
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If you make less than $103,000 / year (family of 3) and pay more than 9.5% of your household gross income on healthcare premiums, you will likely save thousands by using your state's healthcare marketplace. You are likely eligible because they fixed the family glitch, now the 9.5% applies to the cost for family rather than individual coverage as before.
Although the subsidies will likely end after 2025 if dems don't retain a majority in house/senate.
It could easily save you thousands of dollars a year... Like I'm 100% of it... Ask me how I know, lol. Please look into it. I think you have to wait til open enrollment in December? or when your healthcare renews annually. You might be able to do it immediately due to "hardship". I don't know the specifics of your situation but I'm pretty sure you and a lot of other people here would save a lot of money. I would talk with a healthcare_gov or your state agency agent, they get paid by the gov't to help you through it at no cost to you. You can also get a low HDHP and get your own HSA to essentially pay no taxes for medical expenditures. I hear fidelity is good, due to no fees.
Speaking of which, is there an active financial advice community on Lemmy (like that old site that should not be named) like /c/financialplanning or something like that?
I realize I'm in /c/antiwork so it goes without saying it'd be nice if we have universal healthcare without all this baloney money being siphoned to these criminal insurance companies. Just trying to help anyone out in a similar situation. ;)
Incredibly helpful information. You don't need to preface for a shitty situation you did not create or have the power to control. You've your part by providing care and empathy in the form of advice that might help some of us.
We got to use what we got for now. Can't survive on wishes and wants.