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Joined 1 year ago
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Cake day: July 1st, 2023

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  • TL;DR: mine is $660/month for health, $42/month for dental

    Most folks in the US aren’t aware of how much they pay for health insurance. I live in California, where law requires full time employees (>30 hrs a week, >130 hrs month) be provided some amount of health insurance. The type of coverage varies not just from job to job, but also within the same job the employee must often choose their own plan from several company selected options at varying price tiers and types/amount of coverage. Usually the employee only sees the amount of the monthly cost that THEY are responsible for, which is then automatically removed from their paycheck. What most folks are unaware of is that the employer is also paying some of the cost (which is the part that the law makes them do). The part that makes it extra frustrating to deal with an already broken and overly expensive system, is that the rate paid by employers is negotiated in bulk with the insurance providers. Larger employers (national corporations with hundreds of thousands of employees) are paying much less than an individual or small employer would. This is the one of the largest reasons becoming unemployed is so dangerous in the US. In addition to not having income for food or housing, people often forego health insurance due to the expense. If you lose (or leave) your job you’re eligible to keep your current insurance plan for 18-36 months with COBRA (Consolidated Omnibus Budget Reconciliation Act, which is such a ridiculous backronym that I had to google it just now). This is often the only time people realize the true cost of their insurance as the entirety of it is then passed on to them directly (at the employer negotiated rate) and it shows up as a new monthly bill.

    I recently left my employer to start my own business and discovered that my true cost of insurance is ~$700/month ($660 Health/$42 Dental). Keep in mind, this doesn’t mean that I have zero medical bills should I actually visit a doctor or hospital. This is pretty good health insurance, but I still have to pay $5,000 out pocket (annually) before it kicks in at the full coverage amount. Since I had ear surgery earlier in the year and hit that limit, and wanted to be able to continue seeing the same doctors I had for already scheduled follow ups, I decided to keep the same insurance. That $5,000 isn’t the only expense that landed on my shoulders, there’s a bunch of rules that I honestly don’t fully understand and I’ve probably ended up paying somewhere between $7,500-$10,000 for the surgery I had (in addition to the monthly premium).

    The main reason I keep paying insurance (in addition to the fact that you’ll now be charged a penalty on your taxes if you go uninsured for a month), is my fear that you mentioned in the original post. Having a car hit me while I’m walking down the street and ending up with a $50,000 visit to the emergency room is a very real possibility without health insurance. California recently limited ambulance rides to a maximum cost of $1,200, so that’s… good?












  • Taking your initial post and this comment into consideration, you may be in a situation I find myself in (or I may be projecting, who knows). I started out with some regular ass depression and threw in what was originally some recreational weed consumption. After a while I found myself as a daily weed smoker. My partner seems to have a much different experience as a daily smoker than I do. For me it manifests itself as you are describing, just a lack of excitement about life. I feel like my weed hangover isn’t like an alcohol one, but rather it saps my motivation to do anything productive that I’m not being held accountable for. If I was also unemployed and unable to find a job, I’m sure it would be worse for me. At the moment, I’ve cut back on my consumption and am making it a point to only partake on weedkends. Pairing that with more exercise has worked well for me in the past, but I find it difficult to get in the exercise habit with that low level of motivated energy. Finding a form of exercise where you don’t notice the work you’re doing is also helpful. I don’t much like basketball, but a friend of mine invited me out to fuck around and shoot hoops with them. Probably the easiest time I had getting in some cardio without realizing it. Nowadays, I’ve got a rowing machine that I use while I watch streaming shows. I usually find my lust for life returning when I’ve put in the maintenance on the machine that is my body. It’s a lot easier to feel alive when you feel alive.