I have two options for my employer's insurance. I can either pay $270/mo for a $2k deductible, $25 copay, 80% coinsurance after deductible, or pay half that for a $5k deductible, $30 copay, 70% coinsurance. That's bullshit why the fuck do I need a degree in actuarial science and a predictive model of my future disease potential in order to know what a good fucking deal is here, I don't fucking know if I'll just be wasting money on the better plan or what.

Also you can get ACA subsidies on employer based plans, right? Or is it only plans through the "mArkEtPlAcE"

  • ssjmarx [he/him]
    ·
    1 year ago

    If you make enough money to afford a huge copay, then you also make enough to get a plan without a huge copay.

    If you don't make enough to afford a huge copay, then you are stuck with huge copay plans.

    The net result is that healthcare is only for the wealthy, but its behind enough layers of obfuscation that liberals can pretend that we give healthcare to everyone.