So, last year, our expensive accountant had no idea how much we were fined for not doing Obamacare. We got about the same tax refund as the previous year, so we couldn’t tell, either. THIS year, I am doing a lot more research into the fines for Obamacare and the plans we are offered as well. And AGAIN, I see that Obamacare is ridiculous and 100% useless for anything. You might as well BURN the money.
Here is the Subsidy/Fine calculator:
As you can see, the fine indicated would be around $1500, or 2.5% of our income. OR it could be the flat rate fine of $695×2 = $1390, as the calculator below indicates. Who the fuck knows?
And here are the illustrious plans offered us:
Wow, only $7k deductible? WHAT A DEAL! LOL Or a measly $13,300 for the other. LOL The rates in bold are the “discounted” rates that reflect our “generous” subsidy of $235.55/mo. LOL What a fucking JOKE.
Keep in mind, that this year, with ALL my shit: surgery, travel, blood tests, one Dr follow up and meds, I have spent about $5400. If you add our AFLAC accident insurance**, which is about $165/qtr ($660/yr, less $60 wellness refund), that still brings us to only $6000 for this year. Even if you add in the biggest fine ($1500), it’s $7500yr, which is technically more than these shitty insurance plans, but keep in mind that you have to add the deductible, so the cheapest plan comes to $6590/yr PLUS $7000, which comes to $13,590 per year before you get ONE PENNY OF COVERAGE. So how in the blue fuck is Obamacare “affordable”? HOW?
Since the surgery was a one time deal, then without that $5000 my typical spending for healthcare is around $400/yr for both of us. That does not include dental ($400 for both, once/yr or around $700 for 2x/yr) or my eye dr ($130 1x year-ish). So my typical spending is what? Around a grand? I’ll take a grand out of pocket over paying out $6590/yr for literally nothing. Obamacare does not cover dental or eye anyway, so all the suckers that pay for it STILL have to pay for that. SUCKERS.
I still see people complaining about their shitty insurance and how it covers nothing, yet they run themselves into bankruptcy to continue paying Obamacare. WHY?? WHY WHY WHY? I just don’t get it. Unless you have a chronic illness that requires shit tons of non generic meds, then I see no reason to pay out thousands of dollars for “insurance” with a $7k DEDUCTIBLE and $14,300 cap! Which means it ain’t gonna pay, yo! I think Americans are fucking insane. Insane to put up with the ass fucking of insurance companies and insane to elect a fucking asshole who is going to make EVERYTHING privatized. You think healthcare sucks now? HA!! Just wait! All you fuckers on Medicaid/Medicare? Get your lube ready, cuz you’re taking it up the ass, my friends. UP. THE. ASS. The Obamacare subsidies will go away and everyone will end up with heinously pricey insurance with heinous deductibles and minuscule spending caps. You just think it’s bad now…
I will continue to hold onto my cash. If an accident occurs, we’ve got AFLAC. We are healthy and do not take Rx drugs. We’ve got credit and savings if we need it. I think that is a far more intelligent way to manage your money than hand it over to private insurance companies who give you LITERALLY NOTHING in return.
But, y’all keep on handing your money over to those private companies. I’ll be over here counting mine.
**Speaking of AFLAC, that shit rocks. You can’t get hospitalization unless it’s through your employer, which is a shame. I think if AFLAC would offer a stand alone hospitalization plan like the accident plan, they’d own the market. The accident plan has generous pay outs for various things like ER visits, etc. We figure if anything serious happens to us, it’ll be on the road or Nick cutting his dick off with a power tool. Either way, AFLAC’s got our back. We’ve had this plan for a decade. :)