jcos said:
Well, the time has come. After ... being unemployed for over a year now, my health insurance is ending at the end of this month.
Anyone else in this shitty situation? I started "shopping" for private insurance and it is quite confusing.
Unless you already have a sizable savings account or are in a "relationship" with somebody that can pay for it, "unemployed" people can't afford insurance unless it's something like "CoverColorado".
I've been self- employed forever, never made a claim in 25 yrs, no pre-existings and saw my insurance go out the roof once I passed 50 yrs old. Even for a $5,000 deductible, 80/20 plan with Humana One, I was paying ~$ 225/month. I had to cancel it about 6 months ago.
The mere fact that you are even thinking about paying for insurance means that you still have sizable funds backing you.
I've been "out of work" for 2 years but have had NO work since last Dec.
My wife went back to work a year ago, to help out, and is working for just above minimum wage to keep the lights on and a few groceries on the table. Our landlord has been pretty good about the whole situation since she hasn't gotten a months rent in a year, but is starting to hound us for "something/ anything" ..... that we don't have.
We "could" sign up for my wife's "company plan" insurance that is almost 0 deduct/ $20 co pay, but then she wouldn't be bringing home anything at all. What good is "Health" insurance if you can't even eat or keep a roof over your head?
Health Insurance in the US is still a "luxury item", and despite Obama's promises on National Health Care, I don't see any progress.
Sorry to take up your time, rant off.
I actually had a fantastic ride this evening. Got into a "face-off' with a huge herd of big buck Mulie's blocking the trail and not budging an inch !!
(Anyone know of anyone looking for a "real carpenter" with 30+ yrs experience ? Finish, frame, side, it's all good. )