Cockeyed's Rob Cockerham lost his job last year and now works as a contractor. He now buys his own medical insurance:
And man, oh man, is it expensive.
Our family's policy, two adults and two kids, for medical, dental and vision, costs $1,320.87 per month. That's the insurance premium. If we actually use the care, we have to pay a deductable too (called a co-pay), but honestly, after paying $1,320.87 per month, almost any co-pay seems like pocket change.
He began fantasizing about what he could buy with that much month every month:
Visiting car dealerships was fun when I had a potential $1320/month to spend, but maybe that money would be better spent elsewhere. No, not on health insurance, for every extraneous monthly expense I could dream of!
Like Netflix, streaming subscription with 8 DVDs out ($51.88/month), plus a World of Warcraft subscription ($15/month), plus a gym membership ($25/month), a home security monitoring system ($32/month), Gamefly service ($22.95/month), plus a membership to a tanning club ($9.95/month), plus Amazon Prime ($6.66/month), plus Hulu Plus ($7.99), Time Magazine ($2.50/month), Newsweek ($3.25/month), Playboy ($1.33/month), Wired ($1.25), Martha Stewart Living ($2.00/month), a lawn service ($50/month), Dana's Housekeeping service -- four hours/week ($312/month).... uh, plus FullBelly Farms weekly vegetable & flower deliveries ($127.50/month), plus sponsoring a child in Haiti ($35/month), plus Disneyland deluxe annual passes for the whole family ($127.36/month total) plus a large supreme pizza from Pizza Hut delivered every night ($428.40/month). Those things total $1267.02 per month, leaving enough to give the pizza guy a $53 tip.
What I Could Buy Instead of Health Insurance
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