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Solidarity from your cis sister
(lazysoci.al)
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this post was submitted on 08 May 2025
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I'm still trying to figure out how so many people afford health insurance. Anytime I tried to acquire it outside of work it was expensive, even through the ACA. When going through a company it is usually still shit. Expensive and covers hardly anything. What's the point in paying $3,000 a year and having a $5,000 deductible and not having enough days off to even schedule appointments? If I had an accident that cost me over $8,000 I likely was in a car accident, which is covered by car insurance then. Maybe in my 40s it'll seem like it was worth it.
It's even better if your job requires you to average X amount of hours over Y period of time, or else you lose health coverage. Like at my last job.
Meaning if you get sick, and work doesn't provide enough "sick days" for your absences to be "covered," every time you call out, the hours you miss get tallied into a monthly average. If that average gets and stays too low, your coverage gets dropped. So you're stuck in a trap where in order to use your healthcare, you have to remain healthy. Deal with a chronic illness? Work a job where you're frequently exposed to ~~children~~ germs? There's another pandemic going around? Dare to be sick three days in a row? Good luck both looking out for your health and keeping your health insurance.
I threw a rod in my vehicle. Had to quit my contract as I couldn't get a replacement vehicle at the moment and it was 54-60 miles to work each way. The contractor I was working for didn't have good insurance coverages, so I just checked healthcare.gov to see what it would cost because I figured why not. I must have done something wrong because it is saying I'm not eligible to apply at this time ( until November I'm guessing). So make sure you plan any devasting financial set backs to like October or something.
This is why we need more unions. Collective bargaining goes a long way when it comes to health insurance quality and premiums.
That's not wrong, but it's also why we need an NHS. Your job shouldn't be the difference between you and healthcare
Sure... Of course health insurance is just one thing that unions help with.
It depends heavily on the State you live in and what your employer is willing to pay the insurance company. At my current job in my State, that $3000 per year would get me a $0 deductible. When I was below the poverty line, healthcare including dental through the state exchange was free (heavily subsidized to the point of being free, technically).
If you live in a predominantly red state that rejected federal funding or any kind of expansion under the ACA except what was required, it's definitely going to be shit.