Christine Kankowski North SD and Temecula, Excellent Sales and Property Management (House Match Inc)

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Rainmaker
867,602
Bruce Walter
Keller Williams Realty Lafayette/West Lafayette, Indiana - West Lafayette, IN

Christine,

The self employed who made up 15% of the insurance market are paying the brunt of ObamaDoesn'tCare.  Our premiums went from $150 per month for a family of four before the UaCA (UNaffordable Care Act) was rammed through Congress in 2010.  Last Year we paid $1,854 per month for the two of us.  This year we caught a break as Blue Cross Blue Shield couldn't afford to insure people in Indiana under ObamaDoesn'tCare and the new provider is charging us ONLY $1,650 per month, of course there are fewer providers and doctors so it is tough!  

The good news is for our premiums we are forced to pay for maternity, child dental, and substance abuse even though we can't have kids anymore, have no kids below age 18 for dental care, and don't drink, use tobacco or drugs.

This will continue as long as the Democrats in the Senate and a few Republicans afraid of the out of state bussed in professional, leftist demonstrators disrupt their town hall meetings on repealing the ACA.

Nothing will change with the repeal of the individual mandate in 2019 unless they fund the subsidized or absolutely free health insurance for the freeloaders, system gamers, and truly needy out of the general budget.  Right now the healthy self employed are picking up most of the bill as most people under employer sponsored insurance have not seen the drastic spike in premium prices that the self employed have.

If we are going to pay for the health insurance for others do it out of the general budget and raise the payroll tax by 1/3 of one percent to pay for it.

Insurance is about risk and it is determined by age and health.  I strongly object to having to pay for other's health insurance when I have never drank, used tobacco or drugs, eat organic, and excercise regularly.  

There is no solution in sight as long as the Senate filibuster is in place.

The only solution is to AGE and hit Medicare and then sponge off the rest of the taxpayers.  

 

 

May 11, 2018 09:47 AM
Ambassador
3,058,507
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate

I pay out the nose for my major medical plan. I'm up to nearly $1,000 a month with a $5,900 deductible.  

Of course the system is broken.  Those paying for it know that.  

Those that are not do not see it that way.

May 11, 2018 07:52 AM
Rainmaker
4,103,751
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

I'm not married - so no spouse. My premium each month is likely higher than most of the country's mortgage payment. I am not alone I imagine. 

May 11, 2018 09:20 AM
Ambassador
2,571,547
Fred Griffin Florida Real Estate
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

    VA / Veteran Health Care.

    

May 11, 2018 07:33 AM
Rainmaker
1,519,811
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • GRI • HAFA • PSC Calabasas CA

It is terrible, simple terrible. I pay for health insurance for me and my kids, but if any of us gets ever sick......that is a very scary thought. 

May 11, 2018 06:09 PM
Rainmaker
557,068
Lynnea Miller
Bend Premier Real Estate - Bend, OR
Premier Real Estate Service in Central Oregon

The unafordable care act made our health insurance and deductibles skyrocket.  My husband and I are now on a share program and the fees are very, very manageable.

May 11, 2018 03:52 PM
Rainmaker
645,998
Tony Lewis
Summit Real Estate Group - Valencia, CA
Summit Real Estate Santa Clarita & Aliso Viejo

Pay and bite the bullet.  I am in the pot and Blue Cross hasn't stopped raising their rate since the inception of Obamacare.

May 11, 2018 11:41 AM
Rainmaker
6,614,661
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

Medicare is a blessing for those of us in the seniors category.

May 11, 2018 09:03 AM
Rainmaker
849,677
Pete Xavier
Investments to Luxury - Pacific Palisades, CA
Outstanding Agent Referrals-Nationwide

I'm on non ACA temporary insurance myself. Hoping for non ACA permanent healthcare insurance soon. Use an insurance agent who acts like a insurance broker (non captive).

I sold myself my own polices. 

May 11, 2018 07:35 AM
Ambassador
3,986,710
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

We have gone through periods where it was tough with high cost insurance bought on the open market. I have also found most health care providers will automatically discount the costs by a third to not have to deal with filing insurance.

May 11, 2018 06:36 PM
Rainmaker
3,985,875
William Feela
WHISPERING PINES REALTY - North Branch, MN
Realtor, Whispering Pines Realty 651-674-5999 No.

It was broken starting with Obama in his 2 nd year. That is when some of it started

I pay $1050 w/ $8900 deductable.  That is my cost of doing business

May 11, 2018 06:13 PM
Rainmaker
259,017
Lesley Wilson-VanGoethem
Innovative Realty Solutions Group - Winter Springs, FL
Residential Real Estate Broker Associate

It is a nightmare..
We joined a group policy this year that isnt compliant, so we are keeping fingers crossed.
I have found that telling them you are self pay, is often less than the plan.
Oe of my hubbys meds thru insurance is 138 ,,, self pay? 100
Go figure!

 Obamacare was going to cost us 1500 m with  12k deductible...

May 11, 2018 04:51 PM
Rainmaker
2,642,412
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

If you live long enough medicare answer this quite well. Until then, seek

May 11, 2018 03:36 PM
Rainmaker
415,391
Katina Hargrove 352-551-0308
Stake Your Land Realty, Inc. - Eustis, FL
Broker/Owner, GRI,SFR, REALTOR®

Christine,

No insurance here, when I do need to see a doctor, I pay out of pocket. 

May 11, 2018 11:29 AM
Ambassador
3,314,343
Chris Ann Cleland
Long and Foster REALTORS®, Gainesville, VA - Bristow, VA
Associate Broker, Bristow, VA

My spouse and I have always been self-employed.  But private insurance seemed to vanish for us with the Affordable Care Act.  I think the mandate for a particular type of coverage going away is going to open back up the private marketplace for folks like us and give us reasonable choices.  I'm already getting calls from private bokers.

May 11, 2018 11:01 AM
Rainmaker
5,571,934
Barbara Todaro
RE/MAX Executive Realty - Retired - Franklin, MA
Previously Affiliated with The Todaro Team

prior to turning 65 (when medicare kicks in) I paid my own Blue Cross Blue Sheild's best plan for 23 years.... the last year was 7 years ago and my monthly payment was $1,750/month for me and the deductible was none on most categories and $300 on a few others...top shelf coverage.... I used it once for a shoulder rotator cuff surgery....  but you can't be without insurance....

May 11, 2018 08:54 AM
Ambassador
4,312,759
Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

Christine Kankowski North SD and Temecula - you got to have it! So pay very high premium for a low-quality health insurance.

May 11, 2018 08:54 PM
Rainmaker
514,124
Dan Tabit
Keller Williams Bellevue - Sammamish, WA

We had a major medical plan with a high deductible a few years ago.  Glad to have something when my appendix decided it wanted out, but it wasn't a great plan.  Not sure what we'd do in this environment. 

May 11, 2018 09:49 AM
Rainmaker
5,592,923
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy

Christian, 

You have great answers here.  

May 11, 2018 08:55 AM
Rainmaker
808,847
Kasey & John Boles
Jon Gosche Real Estate, LLC - BoiseMeridianRealEstate.com - Boise, ID
Boise & Meridian, ID Ada/Canyon/Gem/Boise Counties

We have Blue Shield of Idaho with a $10,000/individual max $20,000 family deductible and contribute to our HSA every year. This is the plan we want. We purposely chose the high deductible plan. Our insurance plan was supposed to be caput with ACA and we were going to have to pay DOUBLE for a new plan with a lower deductible that we DID NOT want. However, our current plan keeps being renewed as a "grandfathered" plan every year with the caveat that it is the last year it will be grandfathered. Now with a new administration, we will see what happens. -Kasey

May 11, 2018 08:32 AM
Rainmaker
1,290,731
Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi
NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656 - New Lenox, IL
708.921.6331 - 40+ yrs experience

Have faced this issue too, Christine Kankowski North SD and Temecula ... so I understand the challenge all too well.   You either pay through the nose ... or you go without.  Add any form of prior cancer ... or ongoing medical concern into the mix and it gets even worse.  I had "COBRA" for a while and it was brutal.

Hope you find an answer soon ...

Gene

 

May 11, 2018 08:31 AM
Rainer
87,820
Jeff Perlis Prime Properties
Prime Properties - Lake Arrowhead, CA
Experience Your Own Transformation!

Painful conversation for all of us....married or singles. 

May 11, 2018 11:49 PM
Ambassador
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Debe Maxwell, CRS
www.iCharlotteHomes.com | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
The right Charlotte REALTOR!

Oh, I'm so thankful to have healthcare through my husband's former employer. I cannot imagine having to deal with the private or public options out there now.

May 11, 2018 10:22 PM
Ambassador
5,415,583
Bob Crane
Woodland Management Service / Woodland Real Estate, EXP - Stevens Point, WI
Forestland Experts! 715-204-9671

Time to think about universal healthcare.

 

May 11, 2018 09:00 PM
Rainmaker
4,123,697
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

I've never had health care access through my spouse. It's always been my own directly paid or through my own employers. There is one advantage to getting old... I've now been on Medicare for the past 5 years.

May 11, 2018 07:29 PM
Rainmaker
1,525,305
Sybil Campbell
Fernandina Beach, FL
Referral Agent Amelia Island Florida

I am on Medicare and pay for a supplemental insurance. I guess that tells you my age!

May 13, 2018 02:43 PM
Rainmaker
1,640,286
Sandy Padula and Norm Padula, JD, GRI
HomeSmart Realty West - Carlsbad, CA
Presence, Persistence & Perseverance

I use the Christian Health Ministries, but all that changes in another  month.

May 13, 2018 08:28 AM
Rainmaker
2,024,300
Michael J. Perry
KW Elite - Lancaster, PA
Lancaster, PA Relo Specialist

Christian Co-op 

May 12, 2018 12:16 PM
Rainmaker
3,069,984
Tony and Suzanne Marriott, Associate Brokers
Serving the Greater Phoenix and Scottsdale Metropolitan Area - Scottsdale, AZ
Haven Express @ Keller Williams Arizona Realty

Tony Lewis nailed this one!

May 12, 2018 06:19 AM
Rainmaker
4,216,188
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Now on Medicare with a private supplement. Not the best but affordable. The system is definitely broken and out of whack with reality.

May 12, 2018 05:56 AM
Rainmaker
4,799,501
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

I am now on Medicare.

May 12, 2018 05:14 AM
Rainmaker
1,707,423
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

Very happy with Medicare and BCBS supplemental.

May 12, 2018 04:42 AM