I tried to merge this into the health care thread, put polls seem to be dropped. Discussions should stay there.

I have health insurance through my employer. Before that, I was a minor or in school and had health insurance through my father's employer. He switched jobs in the early 90's so I may have been without for a few months, but I don't recall.

 

My main complaint with my current insurance is that they'll cover $78 of my $79 dental exam. Really? You need to refuse that last dollar? Of course, I haven't had any serious medical issues. They covered a good chunk of my expensive allergist visits and my prescriptions aren't ridiculously expensive ($20-45 vs. $100-200 retail price).

My wife and I haven't had insurance for a couple of years now simply because we couldn't afford it.

 

I'm hoping I'll qualify for what my kids have (Kidcare) when I start my unemployment next month.

im in an interesting situation.

 

my employer offers insurance through a "group" option. It's a small group with the average employee age being 50+. We get a whopping $2,000 a year from them to cover insurance costs.

 

If I went on the group plan, I would have gotten worst coverage for approx $3,200 per year.

If I went out on my own and bought my own plan, I got better coverage for approx $2,600.

 

Not a tough call.

I get insurance through my work. Its just myself (for now), but I pay about $70 per month and when I've used it I haven't had any issues with it. The plan seems to be pretty good and I think my max out of pocket is like $2000 and when I go in for visits its just 20 bucks (that included when I got MRI and everything).

 

Its an HMO, but they have a big ass new hospital in the city I live so it works for me. Hopefully I never need to use it for anything serious but if I do I hope they are okay.

HMOs are fine if you're healthy and don't go to the doctor that much, they suck ass if you ever actually need anything. Getting through that red tape is a b****.