My family makes 30,400 per year gross. Thats 25,840 net. The following is a link for estimates on how much insurance will cost me per month...
The highest price is 535.56 per month with a 1,000 deductable. IE I have to pay out of pocket 1,000 dollars before my insurance kicks in.
The lowest price is 254.02 per month with a 10,000 deductable. IE I have to pay out of pocket 10,000 dollars before my insurance kicks in.
If I got the 535.56 one I would end up paying 6426.72 per year. That means I am now at 19,413.28 net. Costs me 9,000 just for rent alone per year. Which means I'm down to 10,413.28. Then car insurance which costs me 1200 per year. Down to 9213.28. Food costs 3600 per year. Down to 5613.28. Then there's electricity. On average thats 1800 per year. Down to 3813.28. Then I need gas for me and my wife to get to work thats 1920 per year provided gas stays same as it is now. Down to 1893.28. Clothes for kids, about 1000 per year. Down to 893.28. Telephone which is needed due to job requirements, 960 per year. Down to -66.72. And then there is the deductable if I have to use the hospital for emergency care....-1,066.72.
So tell me...WTH is the use of having Insurance again?
Yeah I can take the lower payment ones but what is the use? Even if I got the lowest priced one at 2,940.24 per year I still have a 10,000 deductable which means I may end up paying more with the lower cost insurance than I would with the most expensive insurance. In BOTH cases I am in the hole. Thought Healthcare insurance was suppose to keep a person OUT of the hole?
So THANK YOU Obama & Co. for making me poorer than I already was. The only way that I am going to stay afloat is to participate in Government handouts. Like foodstamps and medicaid etc etc. Guess I won't be attempting to buy a house after all next year despite the money we've been trying to save. Useless waste of time it was. Hell...why not just say **** it and live on the government dole now? What the hell is the use of even trying if my own government is going to do this to me?
And this isn't even mentioning all the crap that the government can now mandate an individual buy from private companies now that SCOTUS was ****ed up enough to allow via this Obamacrap of a healthcare reform.....after all...its just a tax right?