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Re: Familiar w/ U.S. insurance particulars? Help! » ClearSkies

Posted by confuzyq on December 1, 2007, at 10:45:04

In reply to Re: Familiar w/ U.S. insurance particulars? Help!, posted by ClearSkies on December 1, 2007, at 8:08:31

> I do believe that my best course of action is to find employment and secure health benefits of my own. Last night I did some research about companies that offer part time employees health benefits.
>

That creates such a catch-22, I can't decide which way to go myself. I should change both my job, *and* my insurer. I've been working as an independent contractor for many years, and paying for an individual policy with rates that shoot up ridiculously every year no matter what (I rarely file claims or use the coverage for anything).

But with personal policies, from what I hear that same cycle of the rates getting too high will probably take place with any new insurer I sign on with. So if I remain an independent contractor -- OR request that a new employer make a contribution towards my own policy rather than enroll me in their own program -- I'll always be reapplying for new insurance every few years... But the older one gets, the less excited carriers will be to see them coming, even without any health issues to speak of yet.

But on the other hand, if I go the way you describe and get insurance through an employer... Well, I know we shouldn't go into things expecting them not to work out, but realistically it's not unlikely that I wouldn't end up sticking with a given employer for long (unless my lifelong inability to find a good fit in a job is magically about to end now). Then, I'd be out there reapplying for insurance again, whereas if I maintained my own policy all along instead, at least I could be sure I never lost it, as long as I did keep paying the sorry rates.

I want to be a responsible citizen but all this is so messed up and aggravating that sometimes I feel like just giving up and going without insurance after the next time I get my annual rate hike announcement, and again handle it by raising my deductible and lowering whatever coverages I can, etc. :-(

Btw, I largely share your feelings of insecurity about looking for employment after several years' absence, maybe for somewhat different reasons. To me, the environment of the job is 90% of what will make or break it for me, and working from home for years has made me unlearn the little I'd managed to about coping in various environments.

Well, fingers crossed for us all!


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