Buying Your Own Health Insurance in Iowa

[Stormin]

UofI students get access to great health insurance. We take a one credit online class every 12 months. Great plan, and deductibles. Details are online over there. Premiums are $200 individual and $1,000 for family.

We save a **** ton of money doing that, and have actual insurance not the watered down, no coverage or stupid high deductible plans.

University of Iowa. So do the taxpayers of Iowa subsidize that program?

 

[keepngoal]

University of Iowa. So do the taxpayers of Iowa subsidize that program?

Probably. It’s a great plan.

 

[SCNCY]

You had no control over it. That is why his reasoning is BS.

I just wanted to point that fact out to him. As I said, he doesn't know and shouldn't assume it was the family's fault.

 

[Stormin]

For my small business I have a 1 person group plan which I have used for quite some time. The rates I am offered for these plans are much better than I have seen from the exchange web site.

That is likely why a lot of farmers have recently made the change. I have had my 1 person group plan for 4 or 5 years now though, so I am not sure what may have changed recently.

Exchange site premiums based on income and age. So rates are determined by your income. Perhaps your income is too large to get a subsidy.

 

[Stormin]

Probably. It’s a great plan.

Socialism. Needs to pull up own bootstraps instead of scamming the taxpayer. You must be a liberal socialist.

 

[AgronAlum]

Is your new policy ACA Compliant? Short term policies do not have to cover essential benefits. You might not have the coverage you might think you have.

No idea. It covered the wellness checks and shots for our newborn. Copay only applies to each person once a month or something like that. Deductible and max out of pocket were the same as my normal insurance.

Cobra from my previous job was like 1600 per month. This was 283.

 

[Stormin]

No idea. It covered the wellness checks and shots for our newborn. Copay only applies to each person once a month or something like that. Deductible and max out of pocket were the same as my normal insurance.

Cobra from my previous job was like 1600 per month. This was 283.

Be careful. You might just have very limited coverage. And limited benefits. Most likely not ACA compliant if it was not purchased on Exchange and subsidies given to get that premium.

 

[ArgentCy]

Be careful. You might just have very limited coverage. And limited benefits. Most likely not ACA compliant if it was not purchased on Exchange and subsidies given to get that premium.

Nobody cares about the ACA compliance. Since they dropped the fines.

 

[Stormin]

Nobody cares about the ACA compliance. Since they dropped the fines.

Probably get a really big surprise if they actually need to use the insurance. Cheap is the best until you need it.

 

[ISUCyclones2015]

You can't say that! How do you know if their health situation is self made or genetic!

I have type 1 diabetes, my medicine without insurance would cost me $2200 just for my fast acting insulin per month, and I still have other medication and doctor appointments I need to have or else I would die.

So tell me how I can get healthy, I would really like to know!

I was trying to be extra sarcastic there. One more reason we need the jimlad back.

 

[CycloneErik]

UofI students get access to great health insurance. We take a one credit online class every 12 months. Great plan, and deductibles. Details are online over there. Premiums are $200 individual and $1,000 for family.

We save a **** ton of money doing that, and have actual insurance not the watered down, no coverage or stupid high deductible plans.

Don't believe that works at ISU. Need to be classified as a full-time student last I looked.

So, for the OP, a non-sarcastic "Good luck," because buying insurance is tough.

 

[isuno1fan]

You had no control over it. That is why his reasoning is BS. We need coverage for pre-existing conditions. And we need pooling of higher cost people like yourself to not be discriminated against. Sure, a healthy individual will pay higher premiums as a result of not discriminating. But leaving it up to private health insurance companies will just maximize premiums while minimizing benefits paid and coverage. ACA actually caps profits for health insurance companies. Eliminate ACA then the sky is the limit for premiums. And there will be no coverage for pre-existing conditions. You would really be screwed.

If people that DO have control over it would manage their health better then we could have both. Coverage for pre-existing conditions and healthy folks like myself wouldn’t have to pay more.
Problem is most folks don’t give a **** about their health.

 

[Entropy]

UofI students get access to great health insurance. We take a one credit online class every 12 months. Great plan, and deductibles. Details are online over there. Premiums are $200 individual and $1,000 for family.

We save a **** ton of money doing that, and have actual insurance not the watered down, no coverage or stupid high deductible plans.

Damn.
We don't offer any benefits to our adjuncts, even if they teach 15 credits (half time for us, full amount for them) a year.

 

[CycloneErik]

Damn.
We don't offer any benefits to our adjuncts, even if they teach 15 credits (half time for us, full amount for them) a year.

Well, let's face it, the adjunct approach as it's currently used might as well be criminal.

 

[Entropy]

Well, let's face it, the adjunct approach as it's currently used might as well be criminal.

Agreed.
Had I started off in the education field in IA, rather than WI, I would have likely left it.
At least teaching at a 50% load in the pubic schools in WI gets you benefits.
Not sure how to improve this situation, but it's piquing my interest now.

 

[CycloneErik]

Agreed.
Had I started off in the education field in IA, rather than WI, I would have likely left it.
At least teaching at a 50% load in the pubic schools in WI gets you benefits.
Not sure how to improve this situation, but it's piquing my interest now.

As long as there's cheap, replaceable teaching labor, I don't see anything changing it.

 

[Entropy]

As long as there's cheap, replaceable teaching labor, I don't see anything changing it.

The only way I see it changing is those in power (in unions) standing up for those who don't.
I'm just starting to get involved, so I'm not sure how big the battle is.
You're right regarding teaching labor. That, along with reduction in funding, are likely the biggest obstacles.

 

[CycloneErik]

The only way I see it changing is those in power (in unions) standing up for those who don't.
I'm just starting to get involved, so I'm not sure how big the battle is.
You're right regarding teaching labor. That, along with reduction in funding, are likely the biggest obstacles.

I'd add an obsession with advertising lowest costs without pointing out how that affects things.

 

[cytech]

Exchange site premiums based on income and age. So rates are determined by your income. Perhaps your income is too large to get a subsidy.

Stormin I am not sure what your response has to to with what I typed. My response didn't mention subsidies at all. I was talking about the full actual cost for insurance. I was not trying to compare subsidized health plans with none subsidized group plans.

I was just simply stating it is cheaper to get insurance via a single person group plan than it is through the health care exchange.

 

[Stormin]

If people that DO have control over it would manage their health better then we could have both. Coverage for pre-existing conditions and healthy folks like myself wouldn’t have to pay more.
Problem is most folks don’t give a **** about their health.

You are delusional