Oh good. This unpleasantness is behind us. Back to collecting knives.
In California, a "company" can have as little as two employees and qualify for group rates, the trick is both people have to be drawing a salary - so a family owned business can qualify by splitting the draw among two people - i'm not sure of the rule sin other states.
That having been said the subsidies in Obamacare are quite good for moderate income people and are worth looking into...
As a non US citizen,i find your health care system incomprehensible.Some of your stories i find shocking.If i was an elected representative of the people of one of the most wealthy countries in the world and failed to at least attempt to address this issue i would expect to live my remaining days in shame.
I am also not a Doctor but my understanding is that ,prior to obtaining ones licence to practice,the individual is required to swear to uphold the Hypocratic oath.Maybe this is a myth?-the lack of empathy and compassion to those in suffering and who do not possess a fat wallet from many (but i am sure not all)medical practitioners would suggest that the moral compass needs to be redressed.Perhaps Ethics is no longer taught in medical schools?
The only thing that will ever change it IMO is the next health catastrophe similar to the Spanish flu. Once that happens, private health insurers will go bankrupt just like the banks of the most recent 'catastrophe' and the government will have to bail them out. That event will probably change things drastically. But wt-f do I know really
"What happened to those other underpants you had?" -- Flight of the Conchords
I talked to my insurance broker the other day. My rates have been going crazy.
Long story short, I was paying $1427 per month for my ex, daughter and myself. For a crappy plan with a high deductible.
Under Obamacare my monthly cost, for a better plan will be $213 limited providers or $306 unlimited providers. And it includes Mental health (A must have) which my other plan didn't cover. In all fairness I took a pay cut last year which helped the premium.
That's for me only. The ex will be about the same and daughter dirt cheap.
We pay close to $600/ mo now per employee for single person coverage under a decent preferred provider plan that has reasonable deductibles. A family plan with the same coverage is ~$1,500/ mo (we pay 100% of the single person coverage, anyone who needs to cover spouse/ family needs to pick up the difference). Probably better coverage that most younger workers need, but we had two people with serious health conditions over the last few years (one terminal pancreatic cancer) and the coverage resulted in them paying very little out-of-pocket. And also several people with sports-related injuries from flag football/ softball/ skiing, etc.