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Health insurance in NYS is literally unbelievable (lemmygrad.ml)

submitted 2 weeks ago by freagle@lemmygrad.ml to c/usa@lemmy.ml

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Because I am self-employed, I have to buy my health insurance from the NYS marketplace. It is bonkers. Literally unfathomable.

The cheapest plan, for young healthy individuals with no anticipated healthcare needs, is $1,500/month. That is literally the cost of an apartment in many places in this state.

But wait, what do you get for $1,500/month? A deductible of $5,500 and an out-of-pocket maximum of $7,500. So you get to literally pay the equivalent of a second rent for the privilege of NOT GETTING ANY BENEFIT unless you have a major health event. It's madness. What the fuck could you possibly justify paying $18,000 a year for if every single time you go to a medical provider you have to pay the full bill anyway?!

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[–] PassingThrough@lemm.ee 13 points 2 weeks ago

That’s how they get you to put up with shitty jobs. You, through deals only a corporation can afford to make, can have the privilege of paying half that for something twice as decent…if you grant a company at least 40 hours of your week, with as many extra as the boss wants, any time he wants them, lest ye be terminated for “underperforming” and lose the healthcare with it.