Here is my question,, I make 14 dollars an hour 40 hours a week, So that’s $560 a week before taxes,, I have looked into your insurance,, You want me to pay $800 a month with a $3000 per year delectable or more, and a $50.00 per visit co-pay. Who came up with the term “Affordable Healthcare”” There is nothing Affordable about it.. And now because I can not afford your healthcare you plan on fining me,, DO WHAT????
Due too more doctors going “OUT OF NETWORK” because they do not want to deal with the insurance company’s, I then would be forced to pay all the stuff above and would have to pay up front for my doctors visit and wait for the insurance comp to pay me back,, OMG.. There needs to be drug testing over there because someone is on crack..
It's rare that someone would pay over $600 for individual coverage, let alone $800. Notice, we say rare not impossible, we do not want to belittle someone who is truly paying unaffordable rates.
In this specific instance, based on your income $560 x 52 = $29,120. Your income is roughly 250% of the poverty level (with no deductions) which means the second lowest cost silver plan in your state costs $2,344 a year or $195 a month with cost assistance. Even if you live in an insanely expensive region in your state it's hard to see how the amount you pay after cost assistance could somehow be $800. $800 is more like a 60 year old smoker in the Hamptons who makes too much for cost assistance and gets a gold plan... maybe?
Here is the thing, you may be looking at short term health insurance or some type of non-essential non-HealthCare.Gov coverage. But if we are talking about you went to HealthCare.Gov during open enrollment, then what you are saying just doesn't add up.
This is one of many comments like this we have gotten. We are struggling to differentiate between people who are exaggerating, people who are misunderstanding, and people who are truly finding themselves in an unaffordable situation. Understanding this better will help us to better understand what sort of information to place front and center on the site.
If other people comment on this they should say where they got coverage, income, family size, who their insurer was, and in what region they live in. Feel free to keep all other info anonymous, the reason we ask for that info is because those all factor into price.