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Insurance in US (lemmy.ml)

submitted 1 year ago by [email protected] to c/[email protected]

28 comments fedilink hide all child comments

Hello,

I have a question about the healthcare insurance in US.

I have heard that it is tied to your employment and the company provides for it.

So here are a couple of questions:

Is there no way for an individual to get their own personal insurance and not be dependent on the company?
What about freelancers, business owners and retirees? Do they forfeit their insurances?

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[–] [email protected] 1 points 1 year ago (1 children)

Got it, thanks for the clarification. I wasn't aware that insurers were offering non-ACA-compliant plans. That's frustrating. It sounds like those plans are basically there only to cover catastrophic emergencies and illnesses, e.g. a car accident or cancer.

I still stand behind the comment that it's meaningless to throw out a monthly number. It varies so dramatically depending on your gender, age, and location, to the point where it's meaningless to give a number without that context.

[–] [email protected] 1 points 1 year ago

Non-ACA compliant plans are the norm now that the individual mandate is dead. I have one and it is definitely not for catastrophic only coverage. It is just mediocre compared to a major group plan. I deal with health insurance through work, and ACA compliant plans have become the rare exception rather than the rule.

You are right about the rates. $400 is a ballpark because it is what my office uses to determine monthly reimbursement for coverage purchased by individuals, since we are too small to bargain for a decent group plan. But we have no cancer survivors or other extreme high risk individuals.