Does anyone have full health, dental and vision insurance that costs close to McCain’s $2500 tax credit?
My individual insurance costs around 00 a year. I expect it to go up. I have friends that pay more on individual plans just for medical. If McCain’s plan were in effect many businesses would no longer be allowed to deduct the costs of the health-care they provide and so would drop them. Anyone that had just about any pre-existing condition would not be able to purchase any reasonable insurance plan. McCain could never find a carrier himself. There are probably at least 50 million "baby-boomers that would not be able to afford insurance because just about everyone over 55 has something that could be called a pre-existing condition.
So, do you think there is affordable insurance available for most Americans based on your experience?
I guess a lot of you do not know what FULL health insurance even is…It includes everything Dental 00 a year limit, medical with 20% max copay…but free annual exam. and vision – a ncomplete pair of glasses every other year and exam and a pair of lenses on the off year.
No way would anyone get dental for 0 a month. Get real.
Note: I have Union insurance – it is similar to what our lawmakers get. We negotiate the cost of our insurance and get better deals than a single person without a group rate. Like I said I know what i would have to pay to continue my insurance, COBRA, but I don’t know if I could BUY it (when or if) Ieft my job. It sounds like most of you do not have comprehensive insurance.
I have NO preconditions. I do not even bother to charge my insurance for my a month thyroid pills…I just stated what my full boat insurance costs. It is probably more now…my insurance comes out of my wages which collects more than we need a month so we have a 12 month buffer in case work gets slow.
Tagged with: 50 million • affordable insurance • baby boomers • boat insurance • case work • cobra • comprehensive insurance • copay • full health • group rate • health insurance • individual insurance • insurance costs • insurance plan • lawmakers • mccain • preconditions • thyroid • union insurance • wages
Filed under: Medical Health Insurance Plans
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I don’t think either candidate has a very good health care plan. I absolutely hate anything that comes close to socialized medicine so Obama’s plan is not something I’m really crazy about though he says if you already have a plan you like nothing will change (and I currently do).
Both my husband and I were self employed for a while. During that time we paid for our own medical plan – no dental or vision, just medical. It had a decently high deductible (maybe $4000). We paid $250 a month ($3000 a year) so that would come in under the $5000 McCain plan. But not if you include the deductible and prescriptions. Also, we were in our twenties and had no pre-existings.
My parents at that time also paid for their own plan (my dad was always self employed. He was an upholsterer and ran his own business until the day he died. Doing the math on what I know they paid – again, no dental, no vision, no prescription, high deductible – it was over $8000 a year. Obama’s plan would work well for my mom and dad if he were still alive. Neither would work well for my family.
Even McCain’s Campaign has leaked that if you currently have health insurance it is way better than the McCain plan.
$165.00 per month for a single person in PA under Aetna.
They are just human lives.. We need to feed the corporations, so that we can have more slave labor in other countries.
Who cares about the sick, the hungry, and the struggling Americans. All I want to do is vote for someone with my values, and supports corporate welfare.
The average cost of a family health plan is $12,100, and the average cost of a single health plan is just under $5000.
McCains measly $5k won’t come close to making up for the additional amount I’ll have to pay, due to my premiums and benefits being taxed under his plan.
My insurance is paid by my employer, but I do know people that have no insurance and some that have to pay for their own insurance and any break they get to help cover what they pay is greatly welcomed.
McCain’s health-care plan literally scares me.
If there is the company is hiding.
My mom pays 80 dollars a week for health insurance. Then there is the 2500 dollar deductible before it even pays anything.
If you think you are going to get free health insurance from Obama, keep dreaming.
you cant even cover braces for that let alone doctors appointments and shots,i guess he figures he has to throw poor people a bone
There is a mis statement in your facts; the $7,000 paid by your employer is deductible to your employer as a business expensive (part of payroll), but the $7,000 is taxed to you. If you are taxed at 30% that would be $2,100 in added taxes. EXCEPT that McCain’s plan calls for a $2,500 deduction so its no impact on you.
First of all McCain’s health care tax credit is 5,000 and second of all I do have full dental,vision,and medical,With McCain’s health care credit I could come out to the good since my premiums are below 5,000 per yr.
I don’t know why they don’t just leave the system alone. It is working fine for me. I don’t care about everyone else as long as my family and I have affordable insurance, and we do.
My health insurance is about $4800 a year.
My vision and dental are a combination discount plan (not insurance) that costs me about $100 a year. No way I could afford Dental Insurance. The discount plan gets me about 10%-50% procedures so still a bite in the pocket when I go, but beats paying monthy for dental if you only need it a couple times a year for check-ups etc.
I think Dental in America is a bigger problem than the health insurance personally.
I I had that tax cut, it would be a great help to compensate for my deductibles.
Same for me. I don’t pay quite that much and even with vision insurance, it does not cover eyewear. Even after meeting my deductible, the surgery I had on Monday morning was not fully covered even though it was needed.
yes, mine is well under that, what more do you want your getting a generous cut, don’t expect the government to foot your entire bill, this isn’t welfare, pay your own got dam bills, don’t expect the tax payers to do it for you.
Uh NO.
When I add up what my employer and I both pay for my medical, dental, and vision insurance on a monthly basis…
What I would end up having to pay for the same coverage myself with only McCain’s piddly little credit…
Amounts to $30,000 a year…
And oh yeah, I make about $42,000.
Great.
I pay over $6,000 a year for a family of 4 and they dont even pay for doctors visits. and thats only health insurance..no vision no dental. shopping around now for a better plan.
No health insurance will be covered by the $2500/$5000. Remember that under McCain’s plan, even employed people will be paying the entire premium, not the 20% or so premiums that they currently pay. The employer will no longer be paying the other 80% of your premium.
The cheapest single premium would be roughly $6000, and for families about $12000. This is assuming existing rates do not change, but it’s hard to say what they will be.
And yes, more people will be subject to laws that currently only apply to non group coverage, ie. you will be denied coverage for a variety of preexisting conditions.
MY last benefit statement showed they pain $9800 for my health ins and I paid $900 or so. I have about $7,000 out of pocket, $5,000 of it is covered by my FSA
thats expensive insurance, unless you have pre conditions it can be as low as 100 a month like I pay for my daughter, if I was to have it the insurance would cost 1,000 a month because of pre conditions but I got wounded in combat so my nedical is nominal pay based on income.
If I had orthodonics and plastic surgery etc for my daughter it would exceed the program. If your pre conditions are that bad you should file for the State Medical Program. In oregon the program is fasinating and it is based on income
I pay $365 a month and do not have full dental or vision. My insurance covers me, my 7 month old and my husband (my insurance is better than his) and we are young, 24 and 28.
It is more than half my check in one week.
We are barely making rent, car payments, etc but we do it.
We are both in school full time, my husband works full time, I work part time, and it is HARD so I am hoping Obama wins and comes through for the little people.
My insurance is just under $5,000. but McCain’s plan includes taxing insurance coverage so my premiums will probably to up substantially.
HaHa that won’t touch the Needs of a young Family of 4 He is that Far out of touch Must be Nice having a Plan that the Tax payer Picks up for Him Mr Mccain some one needs to Pull the Silver Spoon out of your Mouth No there is not Afordable Insurance out there Most employers only Pick up 50% and his 2500 won’t make Much of a dent in that
I have health insurance with a high deductible. Mine cost over $7,000. It gives me a little discount on my eyeglasses. It covers 0 on dental.
So $2,500.00 would not cover me.
When I was a kid my family had socialized health care. It was great. My parents never paid a dime when they took us to the doctor. It is the same medical coverage that McCain grew up with. In fact he has only known socialized medical. First as a military dependent, then as a military officer, and then as a senator. The only time he has not had American Socialized Medical is when he was in Vietnam. You would think that he would be for it.He has never even had to pay for health insurance. That is why he is clueless as to the cost of anything. He spends $250,000. a year on hired help alone for his 7 houses.
The answer could vary by person.It is alway a good idea to hear the suggestion from different sides and try to choose the best one.Here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm is a good one i recommend.
As an individual I only get the $2500 tax credit refund. It is dollar-for-dollar I believe.
I have a moderately high deductible individual plan through Aetna, $83.00/mo in PA, although I have dental and vision subsidized through the employer for about $7/week. The coverage good though, I just wanted to save on the premium and went with a higher deductible. I’m in good health.
Under McCain’s plan I think that I am entitled to be compensated in full for the $996/year I spend on the medical plan and the excess $1504 would roll into a flex health savings account that I could use to meet the deductible in the next year. Therefore, I pretty much end up with free (tax prepaid) health insurance PPO plan with a $1000.00 deductible. I think that is how it works but I’m not a tax man.