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Justin RootofGood
Shopping for health insurance on a Friday night. $6 per month for family coverage with $250 deductible, $600 out of pocket max ($1200 for whole family). $5/$20 copays. A national network, and children's dental included. I would say I am happy with my ACA insurance :)
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Robert J. Brown 2 Nov 18
Replying to @RootofGoodBlog
What does National Provider Network do for you? Does that mean you can visit docs outside your state?
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Justin RootofGood 2 Nov 18
Replying to @JBrown6109
Presumably so. Some have very limited in-network coverage and no out of network coverage (like HMOs). This one seems to have a limited network but some form of out of network coverage nationwide and maybe internationally.
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Rice 2 Nov 18
Replying to @RootofGoodBlog
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Justin RootofGood 2 Nov 18
Replying to @ButterRiceDDS
Trump Made America Great Again? IDK :) Best option I've seen on ACA for me. I put in $38k AGI which is the reason premiums are so low thanks to $894/month subsidy.
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Olivia Bird | Birds of a FIRE 2 Nov 18
Replying to @RootofGoodBlog
Is this all based on income for you guys? Mine is great, but just due to employer subsidizing nearly all of it. I'd personally rather they just give me the extra $ and I go buy some crappy insurance myself, but hey, what can you do!
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Justin RootofGood 2 Nov 18
Replying to @birdsofafire
Income of $38k is what I put in. $6/mo premium and $894 subsidy. It's looking like this is with kids on Children's Health Insurance Program or Medicaid (I stopped iterating the income higher at $50k and it still said they would be on the state plan).
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Andrew Miller 3 Nov 18
Replying to @RootofGoodBlog
Why didn’t you opt for an HSA eligible plan? Defer $6,900 of ordinary income, tax free growth & withdrawals plus can use the $6,900 to do more Roth Conversions (or wiggle room for 0% cap gains).
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Okay 3 Nov 18
Talk a little more about using that deferred income for Roth conversions?
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c 3 Nov 18
Replying to @RootofGoodBlog
Does it seem a bit uncomfortable to have a couple million dollars and use other people’s tax dollars to pay for your health insurance without contributing a fair share?
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Justin RootofGood 3 Nov 18
Replying to @craigyoungnh
No, not uncomfortable at all. That's how taxation and public spending work. If I could choose, I'd say skip my 0.01 cruise missile and give me health insurance instead. We pay in. We get some stuff. We get more now. We might not always get more. And we will pay more later.
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