10-05-2013, 09:23 AM
Can we get back on the topic of health insurance in Hawaii? Has anyone else calculated their premiums? I want insurance, I just cant afford it. I will be held liable for my debts when I go to the hospital, just like I have been when I went to University. It seems to me that given I would have to pay 30% of the bills, a premium of 10% of my income is steep. I do not qualify as poverty even though I am quiet poor, I only spend money on essentials and requirements(debt) I would get the insurance if my healthcare was not so cheap now, I got my teeth cleaned, medicine prescribed and a surgery on my face for less then $1000 last year, I have spent none this year. I literally cannot afford this mandatory insurance based on the calculator. Have other people run their numbers through the calculator, what numbers did you get? Since when has insurance only covered 70% of costs? I thought it was supposed to be a $10 copay and maybe a $500 deductible. Mind you these aren't going to be the cash costs I can negotiate on my own, these are going to be the full kaboodle insurance markup which means the 30% will probably cost 100% of the cash negotiated prices I am getting now.
What is the patriotic thing to do when the only option which you have to take is one you can't afford? I have been living poor now for the past 4-5 years and I don't mind, I don't need tv, I don't need to go out to eat or the movies and I could care less what my clothes look like, but at some point you get pushed up against a wall. I guess I will need to dissolve my IRA at a 10%+ tax rate work less so I can get on the dole. I am not seeing many ways out of this.
Has anyone else actually run the calculator and figured out their costs?
What is the patriotic thing to do when the only option which you have to take is one you can't afford? I have been living poor now for the past 4-5 years and I don't mind, I don't need tv, I don't need to go out to eat or the movies and I could care less what my clothes look like, but at some point you get pushed up against a wall. I guess I will need to dissolve my IRA at a 10%+ tax rate work less so I can get on the dole. I am not seeing many ways out of this.
Has anyone else actually run the calculator and figured out their costs?