Why We’re Joining a Healthcare Sharing Ministry

For the first time in our lives, we'll be without traditional health insurance. We've decided to join a healthcare sharing ministry instead. Here's why.Starting January 1st, 2015, we’ll be without traditional health insurance for the first time in our lives.  As someone who has paid health insurance premiums faithfully for my entire adult life, it feels really, really weird saying that.  But the fact is, when we shopped around for health insurance this year, we discovered that healthcare sharing ministries simply offered the best value out there.  Let me explain how we reached that conclusion: [Read more…]

The Scary Thing About the High Costs of Health Insurance

pigYesterday, John at Frugal Rules wrote about his family’s struggle to afford the high costs of the new plans offered through the Patient Protection and Affordable Care Act, also known as Obamacare.  And, as we all know, his struggles basically mirror the problems my own family has encountered.

Like it or not, open enrollment will be here before we know it, which means that we’ll soon find out what our beloved health insurance providers have in store for us in 2015.  Pardon me if I don’t SQUEEEE too much cause I’m about 1000% sure I’m gonna get screwed again.  But unlike last year, I can’t just ignore the problem and hope it goes away this year. [Read more…]

Why We’re Opting Out of Obamacare

Tens of thousands of families are opting out of Obamacare due to its incredibly high costs. Here's why we're joining a healthcare sharing ministry instead.By now, everyone knows that the President’s claim that “if you like your plan, you can keep your plan” was a stretch of the imagination, if not a flat-out lie.  Millions of people who bought their policies on the open market found out the hard way that we would not, in fact, be able to keep our plans late last summer. [Read more…]

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…]