Avoiding Obamacare: Screw You Guys, I’m Outta Here

E PluribusEvery time I write about the Affordable Care Act, I get legitimate hate mailAnd, I get it.  I totally get it.  After all, people who stand to benefit from the law are passionate about it for a variety of reasons.  First, no one can be denied for pre-existing conditions…which is something that I’ve always felt strongly about.  Second of all, the law makes insurance companies stop discriminating against women through higher premiums, which is something that I’ve thought was unfair forevah.  (I mean, every baby born is some guy’s baby, right?  Why should women bear all of the healthcare costs for birth?) [Read more...]

Breaking Bad: What Would You Do?

I wish I could claim credit for this bad-ass pumpkin!

I wish I could claim credit for this bad-ass pumpkin!

For those of you who have been around a while, you know that we love to talk about some of our favorite TV shows. Yeah, we don’t have cable…which presents a bit of a problem. However, we do tend to catch up by binging on full seasons of our favorite shows via Netflix and Amazon. From Game of Thrones to Honey Boo Boo, we love to discuss us some quality TV. [Read more...]

Why is Obamacare Taking Away my HSA?

Consider me bent.

Consider me bent.

A few weeks ago, I wrote about how my family’s health insurance premiums will double (at the very least) under the new healthcare law known as the Affordable Care Act.  Since then, I’ve been doing a lot more research on different plans and scenarios as I try to find ways to reign in our costs.  And I’ve tried to see the bright side of things.  After all, we can afford the almost $400 per month increase in premiums.  We can also write them off as a business expense, which is a nice perk.  On top of that, since we’ll sign up for a high deductible plan, we can continue using a health savings account (HSA) to pay for our healthcare costs with after-tax dollars…..or so I thought…… [Read more...]

Indiana Affordable Care Act Premiums Revealed

Sir, please define "affordable."  Thanks.

Sir, please define “affordable.” Thanks.

Unless you’ve been living under a rock, you’ve probably heard that a new health insurance marketplace opened its virtual doors on October 1st.  And, if you watch the news or participate in Facebook, you’ve probably heard people bitching and moaning ever since. [Read more...]

The U.S. Healthcare System and Your Finances

 

The U.S. Healthcare System and Your FinancesA few weeks ago, I brought my 18-month-old daughter in for her “well baby” check-up. Thankfully, my employer allowed me to use my lunch break to take her to the doctor’s office. Since all she needed was a check-up and some shots, I thought that I would be back within an hour.

 

We arrived at the office about 5 minutes before our scheduled appointment time. My daughter and I patiently waited for about 15 minutes until her name was called. We then proceeded to have her weighed and measured. Besides her having a runny nose and a slight cough, nothing was out of the ordinary. We were then escorted to the exam room where we waited for the doctor to come in and finish the exam.

 

And we waited….and waited….and waited.

 

After being locked in the room for about 20 minutes, my daughter was getting anxious. She wanted to run around and play. Besides that, it was getting to be about lunch/nap time. When I wouldn’t let her run out of the room, she began to cry – hysterically – for about 15 minutes. I was finally able to calm her down, but of course the crying exacerbated the symptoms of her cold.  Luckily, I was able to calm her and she nearly fell asleep, until… [Read more...]

The Healthcare Debate – Our Story

 

The Healthcare DebateAs the United States Supreme Court prepares to rule on the constitutionality of  ”Obamacare” today, I have more than a few concerns.  Honestly, I am not 100% sure where I stand on the healthcare debate anymore.  As a financial conservative, I want to cut costs and make healthcare more affordable.  However, as a realist, I know that no matter what happens today, that is unlikely to happen.  Healthcare costs have risen every year for as long as I remember.  No matter what happens, health insurance companies will find a way to fatten their pockets.  They’ve proven that.   Will our policies even matter?

 

While I’m not sure what size of a role our government should play in healthcare, I am sure that certain things need to change.  People who own or work for small businesses shouldn’t be financially penalized for working there.  Afterall, small business is the backbone of our economy, right?  Those who work in small business shouldn’t be thrown to the wolves of the open health insurance market.  We have been there, and it is a house of horrors.  While our story is not nearly as nightmarish as others, it is still a story of hardworking, middle-class people who have had the unenviable task of navigating the waters of the open market insurance industry.  It is common story, and a story that needs to be told. [Read more...]