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PaperclipPerfector  9d ago (text post)   2002 thread views

Wellness Wednesday for February 12, 2025

The Wednesday Wellness threads are meant to encourage users to ask for and provide advice and motivation to improve their lives. It isn't intended as a 'containment thread' and any content which could go here could instead be posted in its own thread. You could post:

  • Requests for advice and / or encouragement. On basically any topic and for any scale of problem.

  • Updates to let us know how you are doing. This provides valuable feedback on past advice / encouragement and will hopefully make people feel a little more motivated to follow through. If you want to be reminded to post your update, see the post titled 'update reminders', below.

  • Advice. This can be in response to a request for advice or just something that you think could be generally useful for many people here.

  • Encouragement. Probably best directed at specific users, but if you feel like just encouraging people in general I don't think anyone is going to object. I don't think I really need to say this, but just to be clear; encouragement should have a generally positive tone and not shame people (if people feel that shame might be an effective tool for motivating people, please discuss this so we can form a group consensus on how to use it rather than just trying it).

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You can still get a lower premium with a high deductible, right?

Yes, and an HSA. If you get lucky it's fine I guess, though premiums are outrageous. If you get unlucky you get super-fucked. Almost all of your money gets vaporized through premiums and creative deductible accounting to make you hit OOP maxes, even if you make 6-figures.

Yes, but the minimum premium is very high and doesn't cover much.

Premiums for a family on a Bronze Plan might be $15,000/year for example. Then your deductible might be like $8,000 per person, or $16,000 per family.

Then of course you have co-pays even once you meet your deductible. And, depending on the service rendered, the co-pay might be higher than simply paying out of pocket.

So, yeah, unless you are getting subsidies or are in terrible health, insurance sucks. Obamacare actually made insurance illegal, and all you get is this ridiculous other thing. My family is going to drop it next year most likely. I'm sick of paying for other people's bad habits.

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