Obamacare Bleeding Out

[Danzig]

Originally Posted by Rileyoriley

Yes it was. By not paying for something I don't use, I paid off my mortgage early and am debt free. And I can afford to go to the doctor because I am not paying huge health insurance premiums. Ironically if I had the insurance, I couldn't afford to go to the doctor. Not having insurance is my choice. I would think that would be fine for all the pro choice people.

Hey, its a free country, you can do what you want. Hope it works out for you. That you dont become another bankruptcy due to an illness.
I never met my deductible due to illness...til last year. Two herniated discs in my neck, had to be fused because of how bad they were.
And now, at the end of may a full hysterectomy...and hubby already hit his this year too, with a bout with high blood pressure.
So, teo years in a row for me, and him this year too...
So, the older you get, the more the odds swing. So, be careful gambling.
All it takes is to wait just a little too long.
You might want to get with a financial adviser.

[Rileyoriley]

Originally Posted by Danzig

Hey, its a free country, you can do what you want. Hope it works out for you. That you dont become another bankruptcy due to an illness.
I never met my deductible due to illness...til last year. Two herniated discs in my neck, had to be fused because of how bad they were.
And now, at the end of may a full hysterectomy...and hubby already hit his this year too, with a bout with high blood pressure.
So, teo years in a row for me, and him this year too...
So, the older you get, the more the odds swing. So, be careful gambling.
All it takes is to wait just a little too long.
You might want to get with a financial adviser.

Unless you own a business or are extremely wealthy and have many investments, I've never understood paying someone to tell you how to handle your own money. Then again, I look at today's youth whining about loans THEY signed and understand it completely.

[Danzig]

Originally Posted by Rileyoriley

Unless you own a business or are extremely wealthy and have many investments, I've never understood paying someone to tell you how to handle your own money. Then again, I look at today's youth whining about loans THEY signed and understand it completely.

The reason i sad talk to someone is so that maybe they can help you understand that one catastrophe with a medical issue can ruin your debt free lifestyle. You have a house paid for, that you are risking every day.
Health insurance with the highest deductible would give you catastrophic care, so that if god forbid you had an emergency, it wouldnt completely wipe you out.
Look outside of the exchange, which only unhealthy or subsidized people should shop thru. Any insurance companies not jnvolved in the exchanges can rate accordingly, whereas those who are in the exchanges have to keep pricing the same in or outside of the exchange.

[Rileyoriley]

Originally Posted by Danzig

The reason i sad talk to someone is so that maybe they can help you understand that one catastrophe with a medical issue can ruin your debt free lifestyle. You have a house paid for, that you are risking every day.
Health insurance with the highest deductible would give you catastrophic care, so that if god forbid you had an emergency, it wouldnt completely wipe you out.
Look outside of the exchange, which only unhealthy or subsidized people should shop thru. Any insurance companies not jnvolved in the exchanges can rate accordingly, whereas those who are in the exchanges have to keep pricing the same in or outside of the exchange.

Not to worry. I understand the risks completely.

[Danzig]

Originally Posted by Rileyoriley

Not to worry. I understand the risks completely.

If you did, you would have insurance. And dont forget, if its affordability that is the issue, you may well qualify for a subsidy.
You have a house...you have assets to protect, and income to protect? You are quite literally flirting with disaster in opting to not buy health insurance. The number one cause of bankruptcy in this country is medical bills. There are three times as many collections made for medical bills then for credit cards.

If you can, start a health savings account also, especially if your employer offers it. Any money in the account is retirement money down the road if you dont use it. It is not use or lose, and is free money if your employer kicks any in.

[Rileyoriley]

Originally Posted by Danzig

If you did, you would have insurance. And dont forget, if its affordability that is the issue, you may well qualify for a subsidy.
You have a house...you have assets to protect, and income to protect? You are quite literally flirting with disaster in opting to not buy health insurance. The number one cause of bankruptcy in this country is medical bills. There are three times as many collections made for medical bills then for credit cards.

If you can, start a health savings account also, especially if your employer offers it. Any money in the account is retirement money down the road if you dont use it. It is not use or lose, and is free money if your employer kicks any in.

It was you and GR who don't understand. "Not to worry. I understand the risks completely" was my polite way of saying butt out. I didn't ask for your advice concerning my private life. Good luck with all your medical issues.

[Danzig]

Well, that is true, i do not understand at all. Well, at least the people i deal with on these issues every day at work understand i am there to help them and that they trust my judgement.

[GenuineRisk]

Originally Posted by Rileyoriley

It was you and GR who don't understand. "Not to worry. I understand the risks completely" was my polite way of saying butt out. I didn't ask for your advice concerning my private life. Good luck with all your medical issues.

You're the one who volunteered it on a horse racing blog.

[GenuineRisk]

Originally Posted by Rileyoriley

Not to worry. I understand the risks completely.

No you don't.

[GenuineRisk]

And in general health care advice, having just come back from burying my father, barely a year and a half after burying my aunt, those DTers who are still smoking, please quit. If not for yourselves, do it for those who love you and will grieve you when you leave them too soon.

[Danzig]

Originally Posted by GenuineRisk

And in general health care advice, having just come back from burying my father, barely a year and a half after burying my aunt, those DTers who are still smoking, please quit. If not for yourselves, do it for those who love you and will grieve you when you leave them too soon.

we quit 19 years ago. what a waste of money, it literally goes up in smoke.