Pondering over coffee: We now pay the same health insurance premium with one child as someone with 17. Or 42,

I'm kind of 'stuck' at home today - waiting on two deliveries so I've used my morning to scrub floors and then apply polish to the wood floors, steam clean the kitchen floors...  and rewarded myself with time to just sit here and sip a beverage and wait for the first delivery, which should be here any time.

I was reading online about those working in the foreign service sector and how they are given a moving allowance weight limit equally across the board, no matter if you are a single person with no dependents or happen to be married with 10 children.  Apparently you are allowed 7200 pounds no matter your marital status, housing size, family size, etc.

I found this interesting and wondered (briefly) what their reasoning was behind that.  I suppose it's to make it easier across the board to say "let's just make one weight and keep it equal for everyone" but that's not really equal at all.  Have you ever tried to pack and move with a family of say, 7 people verses what you owned when you were fresh out of grad school and single?  Or even married and one baby.  Nothing at all like what you may own and use when you are a family with 3 children.  Or you love and own books... or homeschool your children.  Because books.  There's your weight right there.

But what I thought of when I was reading the weight limit being equal no matter if you are 26 and single or 45 and married with 11 children was that our health insurance is equally weird.

We have health insurance through my husbands employer and after Obama messed around with the entire healthcare industry, not only did our office visit co-pay double (triple for specialists), and our deductible went up thousands and thousands of dollars, our coverage went down from 20% to 40% our responsibility and our premiums went SKY HIGH per month (when we don't even USE health care coverage at all...  I've had to go to the doctor's twice in 8 years).  BUT THE DEPENDENT COVERAGE CHANGED too and it makes little sense.

My husbands options through a very, very, very large and well known carrier are;

  • Single employee
  • Employee and 1 spouse/partner
  • Employee and children
It used to be options for 1 child, 2 children or 'greater than 2' whole family coverage.  And the prices reflected such.

Now we have single, spouse and 'whole family' levels which means we, currently down to just ONE child pay the SAME HEALTH INSURANCE RATE AS SOMEONE WITH 17 CHILDREN.

Let that sink in.

They figure costs based on an 'average' and let's just say that average is...  three.

An average family of an employee, spouse and three kids... and a lot of people run to the doctor for really stupid and unneeded reasons.  Cough cough.  Run to the doctor.  My neck is a little stiff today.  Run to the doctor.  I threw up yesterday.  Run to the doctor.

Our family is very healthy due in part to gene's but also because of our lifestyle choices as well as a healthy dose of common sense.  We do NOT go to the doctor all the time... as a matter of fact I've needed to go to the doctor just twice in the past 8 years.  Stitches once and a kidney infection the second.

But we are paying the SAME MONTHLY PREMIUMS as someone who is at their doctor's office 3 times a month times 5 people in their family.   The same premium as someone with a newborn visiting the doctor's every 2 months for the first 18 months of their lives.  The same premium as the hypochondriac that lives down the street.

Our only silver lining is that once this child is off our coverage (soon!) we will go down to the 'employee plus partner' premium cost.  It's just silly really that we pay the same for one young adult child as another family with 15 children pay.

Makes no sense at all... but these days... so little does.

It's just the coffee talking again...........

You might be interested in these random 'healthcare' related books available through Amazon;

An American Sickness: How Healthcare Became Big Business and How You Can Take It Back
The Health Care Handbook: A Clear & Concise Guide to the United States Health Care System
The American Health Care Paradox: Why Spending More is Getting Us Less
America's Bitter Pill: Money, Politics, Backroom Deals, and the Fight to Fix Our Broken Healthcare System