Health Insurance

#52
#52
the more future voters you pump out the lower or freeer than free you get get your insurance.

earned income tax credit gotta love it!!!!!!!!!!1

if you qualify you also qualify for free food, healthcare, lodging and a stipend...

not to mention free education and maybe even a phone

and on top of that you may even get some free stuff from you local churches...
 
#53
#53
UTVOLKeith said:
Get a better accountant. If you are self employed all the business tax breaks are there for your taking. Take them!!!

Otherwise if you have to pay more I look at is as just an even up on all the tax breaks you receive over the non-self-employed.
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For being self-employed, I get a little tax help from paying for insurance. But that doesn't help the cash flow, especially when you are paying $800 a month. Plus, I pay more taxes for being self-employed. It is a double whammy. When you are a W2, the employer pays part of the tax and you pay part of the tax. So, it is not that simple.
 
#54
#54
VolGee4 said:
For being self-employed, I get a little tax help from paying for insurance. But that doesn't help the cash flow, especially when you are paying $800 a month. Plus, I pay more taxes for being self-employed. It is a double whammy. When you are a W2, the employer pays part of the tax and you pay part of the tax. So, it is not that simple.
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You do not pay more taxes for being self employed..

What is your middle class profession if you mind?
 
#55
#55
UTVOLKeith said:
You do not pay more taxes for being self employed..

What is your middle class profession if you mind?
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Yes you do Keith. You just are privy to more deductions and rightfully so.


Have you ever seen a poor man give someone a career?
 
#56
#56
UTVOLKeith said:
You do not pay more taxes for being self employed..

What is your middle class profession if you mind?
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Being self-employed, I have to pay the employer Medicare and SS part. I don't pay more percentage wise than anyone else, but I pay both the employer and employee taxes.

I am an attorney. I do not work for a big firm, and I am an independent contractor. The way our fee structure works is that I don't have alot of expenses. I do not write a check for overhead. Fees are split to cover costs. I have been practicing less than 10 years. Yes, I make a decent living, and I am blessed. But, I am not upper class, and I do not have boatloads of money to pay for things.
 
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#57
#57
VolGee4 said:
Being self-employed, I have to pay the employer Medicare and SS part. I don't pay more percentage wise than anyone else, but I pay both the employer and employee taxes.

I am an attorney. I do not work for a big firm, and I am an independent contractor. The way our fee structure works is that I don't have alot of expenses. I do not write a check for overhead. Fees are split to cover costs. I have been practicing less than 10 years. Yes, I make a decent living, and I am blessed. But, I am not upper class, and I do not have boatloads of money to pay for things.
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A couple judges and we will have a complete set on volnation. :)


Sorry. Couldn't resist.

Feel free to slap LG around in the politics forum!
 
#58
#58
Blue cross blue shield has started giving seminars on the ins and outs of the newly structured ins. including how to save money. I can only assume others are doing the same or will. Directed competition as promised?
 
#59
#59
VolGee4 said:
Being self-employed, I have to pay the employer Medicare and SS part. I don't pay more percentage wise than anyone else, but I pay both the employer and employee taxes.

I am an attorney. I do not work for a big firm, and I am an independent contractor. The way our fee structure works is that I don't have alot of expenses. I do not write a check for overhead. Fees are split to cover costs. I have been practicing less than 10 years. Yes, I make a decent living, and I am blessed. But, I am not upper class, and I do not have boatloads of money to pay for things.
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lol

you suck

you are an attorney

you have a JD?

grow a pair
 
#60
#60
I still do not understand why getting health insurance was made a law. If it was so good, then wouldn't all the American people want it without making it a law? What doesn't the government want control of?
 
#61
#61
UTVOLKeith said:
lol

you suck

you are an attorney

you have a JD?

grow a pair
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Keith, I didn't start the thread to be disparaged. I shouldn't have even gone there. Just because I am an attorney doesn't mean I make a ridiculous amount of money. Yes, some in my profession do, but people don't understand that a bad economy effects us as well. Get over yourself. I was asking a serious question.
 
#62
#62
BigOrangeTrain said:
I still do not understand why getting health insurance was made a law. If it was so good, then wouldn't all the American people want it without making it a law? What doesn't the government want control of?
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Reason it was made a law was because of the rising health care costs each year. People would choose to go without it, have something happen, go get medical attention, not pay the bill, and pass on the costs to those who have health insurance. That's the thought behind it anyways. The bill is a good idea in theory, but needsa lot of work to make it better.
 
#63
#63
TNsnyper20 said:
Reason it was made a law was because of the rising health care costs each year. People would choose to go without it, have something happen, go get medical attention, not pay the bill, and pass on the costs to those who have health insurance. That's the thought behind it anyways. The bill is a good idea in theory, but needsa lot of work to make it better.
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Isn't there another way to do this? Instead of changing what many already have? A colleague of mine said that we can just take tax dollars and subsidize those who can't afford it, but don't effect those who already have a policy instead of making all insurance companies cover certain things. I don't have the answers, but it sucks. The current administration is hurting the middle class.
 
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#64
#64
VolGee4 said:
Isn't there another way to do this? Instead of changing what many already have? A colleague of mine said that we can just take tax dollars and subsidize those who can't afford it, but don't effect those who already have a policy instead of making all insurance companies cover certain things. I don't have the answers, but it sucks. The current administration is hurting the middle class.
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I've said many times that health care reform is needed. But there had to be a better way. But until two political parties put their differences aside and actually sit down and look at what's better for the country im not sure anything will ever change for the better. My only hope is that this somehow works out for the better over time for my son and his future family.
 
#65
#65
TNsnyper20 said:
Reason it was made a law was because of the rising health care costs each year. People would choose to go without it, have something happen, go get medical attention, not pay the bill, and pass on the costs to those who have health insurance. That's the thought behind it anyways. The bill is a good idea in theory, but needsa lot of work to make it better.
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The problems are the ignorant ass mandates like

Single man having to carry plan with prenatal care, birth control, etc..

Its what drove up the costs
 
#66
#66
VolGee4 said:
Keith, I didn't start the thread to be disparaged. I shouldn't have even gone there. Just because I am an attorney doesn't mean I make a ridiculous amount of money. Yes, some in my profession do, but people don't understand that a bad economy effects us as well. Get over yourself. I was asking a serious question.
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You're right. I apologize.
 
#68
#68
CountVolcula said:
The problems are the ignorant ass mandates like

Single man having to carry plan with prenatal care, birth control, etc..

Its what drove up the costs
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You're right. Those are the things that will need to be changed. This will need to go through more changes for it to be truly effective.
 
#69
#69
TNsnyper20 said:
Reason it was made a law was because of the rising health care costs each year. People would choose to go without it, have something happen, go get medical attention, not pay the bill, and pass on the costs to those who have health insurance. That's the thought behind it anyways. The bill is a good idea in theory, but needsa lot of work to make it better.
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Now those same people still pay nothing & everybody else pays more
 
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#70
#70
chatt-townVOL said:
No I don't have tens of thousands. Just like I don't have $12,000 to pay the deductible of the only rate that my wife and I can afford.

My wife is fresh out of college. I work a $35,000 per year job, she is trying to get into vet school. We can afford to pay bills and have a little extra. What we can't afford is paying a $400-$500 monthly health insurance premium so that Ghetto Gloria and her 8 kids can pay $9 a month out of her welfare check for her premium.
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This X1000!
 
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#71
#71
Update to this: I have done some more checking, and I have found some much more competitive quotes but not on the exchange. It will raise our rates some but not nearly as much as what I had first been offered.
 
#72
#72
Jasongivm6 said:
Another warning:

If you happen to shop ON-Market (through healthcare.gov), you will see plans for example that say S09P, S09S, S09E, S09 AINI, S09 AI, S09 NI. The ones with AI and NI have $0 premiums, you don't pay anything for any services and you can go to any Dr. BUT it won't tell you until you've dug in deep about these plans that they are for card carrying, Federally recognized American Indian (AI) or Native Indian (NI) tribes. Doesn't even tell you up front what they mean.
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They've been getting free healthcare since 1955
 
#73
#73
VolGee4 said:
Update to this: I have done some more checking, and I have found some much more competitive quotes but not on the exchange. It will raise our rates some but not nearly as much as what I had first been offered.
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Good for you man.
 
#74
#74
VolGee4 said:
Update to this: I have done some more checking, and I have found some much more competitive quotes but not on the exchange. It will raise our rates some but not nearly as much as what I had first been offered.
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Where did you find the better rates?
 
#75
#75
chatt-townVOL said:
Where did you find the better rates?
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Bluecross Blueshield. We got our own quotes but also used an agent. Agent says that BCBS is the best in TN. I have had them before but dropped it. Their quotes are much better than Cigna, Humana, and Assurant. Of course, they are high deductible policies with lower premiums but better than I thought I was going to be forced to pay.
 
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