I can’t be alone in this situation, but I’ve never talked to anyone that can share in my experience.
My gross is $125k, married with 6 children. My wife doesn’t work and I’m located in California.
The California healthcare program (can’t remember the name) offers plans to families within a certain income range. I don’t qualify for any discounts, but if I wanted to pay a monthly premium anyway, I’d be at around $1500.
Private insurance - like a Kaiser plan - would cost even more than that.
Then there’s my employer - a Fortune 500 company who offers multiple PPO plans with high annual deductibles. For example 12k before I can use the actual insurance. Once that number is reached, I still have to pay 20% coinsursnce for most services. We don’t have health problems so there isn’t a constant need to use insurance, so justifying the premium plus annual deductible is very difficult.
For some reason, in Southern California, HMO’s with copay’s have basically vanished. Well, they’re there but they’re super expensive and my employer doesn’t offer one.
Not sure if my complaint is even justified. I make good money but with other monthly expenses can’t COMFORTABLY afford healthcare.
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