Poll of the Day > I'm fucking clueless when it comes to healthcare.

(+) Yeah! (+)

So, I got my annual enrollment forms in the mail today, so I signed up for healthcare. I have not had healthcare for most of this year because my work benefits were up and I didn't requalify for it because I didn't work enough hours.

However, looking through my old papers, I feel like I DID. I didn't work the 1,500 hours for the "bronze plan" but I did work 978 hours to qualify for other things.

So, I feel like I spent most of this year without healthcare because I can't read a fucking form. And I didn't apply for health insurance elsewhere because I assumed it would just cost a ton and would hardly cover anything, so....

If I assumption is correct I did qualify for healthcare through work and I just can't read a fucking form properly and spent most of this year without health insurance in the middle of a pandemic...

I really should just shoot myself.

The stuff is over complicated by design

easier to screw people out of getting benefits if half of consumers struggle to understand the details of their plan

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The first two years I had a full time job I selected healthcare that cost me like a couple grand more than my current option.

I cant really help you but if anyone here doesnt go to the doctor and has the option look into HDHP over PPO if you do get a job with one and consider contributing the difference to (or even maxing out) a HSA. And even if you go to the doctor consider paying cash and keeping receipts instead of out of the HSA.