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Money Won’t Buy You Health Insurance

nytimes.com

31–40 of 442 posts

Re: Money Won’t Buy You Health Insurance

#31
post #9
post #3

[deleted]

The sad thing is that I liked this article. I just don't want to get pulled into another political discussion on HN about it. The thing about these things is that they're like car wrecks. You know you should just keep going about your business when you see one, but for some reason, you feel compelled to stop and stare.

This is one of the few blatantly political articles I've upvoted here. Healthcare in the US is broken, and this article points out one of the big reasons why.

Re: Money Won’t Buy You Health Insurance

#32
I would have died at the age of 19 if it weren't for the help of the UK's National Health Service. My parents and I didn't have to worry about hospital bills, future insurance issues, being tied to a job, any of that crap. Just get some rest, get better, go out there and be productive again. The American system looks like a horrible joke from over here. I just can't understand any of it.

Re: Money Won’t Buy You Health Insurance

#33
post #12
post #2

This really highlights how utterly insane our system is. I'm living off of my own business, which means that I don't have an employer to cover me under group insurance. But I really only make enough to live frugally and save a tiny amount each month--to me, an affordable health insurance plan would be between $50-$100 a month. Fat chance of that happening. And if it did, the deductible would be so high as to make the…

Have you looked into this (for California but there are different plans in every other state)? http://www.healthcare.gov/law/provisions/preexisting/states/... "$499 for a 50 year old subscriber in San Francisco" Looking at other states, there are premiums as low as $172/month. It would surely be much cheaper for you as a 26-year-old. Not quite the $50-100 you're looking for but I'd bet you could afford it. Things are…

I'm 28 in Florida. I have a very decent plan for $75 a month. I have to pay for office vists (tho I am reimbused $50 for each one, they're usually around $125 or so) but i have a very low deductible that will cover me for any major illness or accident, and even for services beyond my coverage I get the benefit of the lower negotiated insurance company rates.

You can see these plans for yourself by checking our Blue Cross or Humana in Florida, among others.

Re: Money Won’t Buy You Health Insurance

#34
post #10

Earlier quoted context omitted.

But it's written by someone involved in the tech world, that makes it hacker news

I think it's hacker news because hackers struggling to become ramen-profitable (or even just thinking about it!) are directly affected by the cost and availability of health insurance. It's a big factor for many people in deciding whether they want to quit their cube jobs that keep them insured to strike out on their own.

So true. There was another article on HN about the Danish welfare system and how it encourages people to go out on their own and take business risks because basic things like healthcare isn't out of reach.

Re: Money Won’t Buy You Health Insurance

#35
I'm no expert, but isn't this one of the major issues that the health care reform bill of 2010 is going to fix? Granted, it doesn't go into effect (for adults) until Jan 1, 2014, but I thought that insurance companies will be prohibited from denying coverage or charging higher rates based on pre-existing medical conditions. Am I mistaken?

http://en.wikipedia.org/wiki/Patient_Protection_and_Affordab...

Re: Money Won’t Buy You Health Insurance

#36
post #10

Earlier quoted context omitted.

I think it's hacker news because hackers struggling to become ramen-profitable (or even just thinking about it!) are directly affected by the cost and availability of health insurance. It's a big factor for many people in deciding whether they want to quit their cube jobs that keep them insured to strike out on their own.

It's a big factor for many people in deciding whether they want to quit their cube jobs that keep them insured to strike out on their own. And I think that's total bullshit and people who don't want to strike out won't and will find lots of reasons not to, while people who want to strike out will, and figure out how to make it work. Kind of takes us to a rhetorical dead end, since we're both wildly speculating about…

One of my good friends is a mechanical engineer, young, single, and healthy, but with a thyroid problem. He requires pills every day for the rest of his life. He would not be able to afford those pills for long without insurance if he quit his cube job and tried to innovate in his field: high efficiency engines and biofuels. These aren't imaginary people.

Re: Money Won’t Buy You Health Insurance

#37
post #12
post #2

This really highlights how utterly insane our system is. I'm living off of my own business, which means that I don't have an employer to cover me under group insurance. But I really only make enough to live frugally and save a tiny amount each month--to me, an affordable health insurance plan would be between $50-$100 a month. Fat chance of that happening. And if it did, the deductible would be so high as to make the…

Have you looked into this (for California but there are different plans in every other state)? http://www.healthcare.gov/law/provisions/preexisting/states/... "$499 for a 50 year old subscriber in San Francisco" Looking at other states, there are premiums as low as $172/month. It would surely be much cheaper for you as a 26-year-old. Not quite the $50-100 you're looking for but I'd bet you could afford it. Things are…

Only $282.30 in PA. Good to know about if I ever need it.

http://www.healthcare.gov/law/provisions/preexisting/states/...

Re: Money Won’t Buy You Health Insurance

#38
post #31
post #9

Earlier quoted context omitted.

The sad thing is that I liked this article. I just don't want to get pulled into another political discussion on HN about it. The thing about these things is that they're like car wrecks. You know you should just keep going about your business when you see one, but for some reason, you feel compelled to stop and stare.

This is one of the few blatantly political articles I've upvoted here. Healthcare in the US is broken, and this article points out one of the big reasons why.

I agree that it points out why. Like I said, I was ready to share very similar experiences.

But once it took sides on the current issue of what to do with the national healthcare system, suddenly we're in a polarizing debate and not a discussion of startup problems and ways around them. That startup discussion would have been awesome. Posters talking about how bad the country sucks, how terrible X is, or how to create a movement for change has nothing to do with any of that.

Re: Money Won’t Buy You Health Insurance

#39
post #24

The subtle but crazy part about this is at the bottom when it details the author: "Donna Dubinsky, a co-founder of Palm Computer and Handspring, is the chief executive of a computer software company." I'm going to go out on a limb and say money is not an issue for Donna, yet she still can't even buy insurance if she wants to. I've always thought healthcare access was a bigger hurdle for entrepreneurs than tax rates.…

I've said it before and I'll say it again - the MA health care law ("RomneyCare", which is functionally very similar to "ObamaCare") is really what let me start a startup - the money wasn't the issue, but the ability to get an individual policy at a reasonable (not at all subsidized, just group-negotiated) rate was.

Do you have to have lived in MA for a while to be able to get this or do you just need to live there when you apply for medical insurance?

Re: Money Won’t Buy You Health Insurance

#40
post #12
post #2

This really highlights how utterly insane our system is. I'm living off of my own business, which means that I don't have an employer to cover me under group insurance. But I really only make enough to live frugally and save a tiny amount each month--to me, an affordable health insurance plan would be between $50-$100 a month. Fat chance of that happening. And if it did, the deductible would be so high as to make the…

Have you looked into this (for California but there are different plans in every other state)? http://www.healthcare.gov/law/provisions/preexisting/states/... "$499 for a 50 year old subscriber in San Francisco" Looking at other states, there are premiums as low as $172/month. It would surely be much cheaper for you as a 26-year-old. Not quite the $50-100 you're looking for but I'd bet you could afford it. Things are…

I got good insurance in CA for $167 a month as a 26 year old last year. This year, the premiums went up to $240.
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