Quote:
Originally Posted by Crowbob
"Thoughts? Please don't PARF this topic out, I'm just looking for advice and experience, not a political dialogue on our health system....trying to work within this ***** sandwich we're all stuck in now."
Just a thought. Go to Healthcare.gov. There you will find everything you need to know in one location with easy to follow instructions. Your current .003819444 ROI is pretty good. No rape, no ***** sandwich no piss poor excuse for health insurance, no options and no PARF.
|
He already has a Silver plan, so Healthcare.gov isn't going to help him. He's paying the rate for a family of four. He pays full freight because he doesn't qualify for any subsidies and he isn't part of a group. And since he's paying for it out of pocket the only tax advantage he can generate is if he uses a healthcare savings account. The only way to reduce his cost is to find a way to join a group that offers a larger risk pool. The best would be to find a way to provide coverage through his company to maximize any possible tax savings.
This is complicated stuff. I don't do it on my own either. That's what brokers and consultants are for. They don't cost anything, so I encourage everyone to at least explore what they have to offer.