RE: “No it doesn’t. Not when the rest of us are footing the bill. My kid is self sufficient and would never dream of mooching off my insurance policy. He’s a man and men don’t do that. My employees with family coverage saw their premiums increase by about 30% this year because other people’s 26 year old parasites are still suckling at the tit!”
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Agree — NO coverage of ‘kids’ up to age 26! How about age 21 — should the ‘kids’ not graduate with an undergrad degree by then? That’s long ENOUGH!
I was working and had my own insurance from age 18 onward - retired a few years early and bought my own policy — skyrocketing premiums for NOTHING every year — and when trying to shop around, was told what I’m paying is ‘competitive.’
Just got notice of 1/1/11 increase — NINETEEN PERCENT per month! That’s what CA allowed. That means $600 per month for one person, not counting co-pays and charges not covered by ins. Such a deal!
I’m dropping the policy; will go uninsured — will pay docs cash at reduced prices — all docs do this — so do hospitals —it’s super expensive, sure, and a big risk, but what the hell! If I get so sick that I spend every dime I’ll just spend until there’s nothing left and I get FREE care like the legions of uninsured who are the ones costing the rest of us our life savings anyway. I don’t need to leave anything to anyone in my ‘will.’ Screw it. I am SO disgusted.
Based upon your $600 month premium sounds like you are not Medicare eligble as of yet. Why not increase your deductible to say $10,000 and self fund the small stuff?? That way you are still covered for the catastrophic stuff.