Cost of Health Insurance for the Self-Employed
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- Опубліковано 5 кві 2018
- Does your employer currently pay for most of your health insurance? Are you curious how much it will cost to pay for it yourself? That is, if you are looking to become self-employed, how much will it cost you? Really... roughly how much? Is it $100? $200? $500? $1000? Watch to get a good idea how much it will cost you.
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This sucks. I recently quit my full-time job to pursue my full-time business. The goal is freedom is it not?
Yet the system we live in seems to want to keep us poor and as 9-5 slaves.
What am I supposed to do....really considering moving out of the country
@TheDodicat where to?
@TheDodicat why? how is work there.
@TheDodicat Wow... how is health care in Costa Rica?
I know you probably need it there less, lol! Lots of health crazy people move there. Raw food it’s, intense bodybuilders, yoga yahoos, etc. Looks like paradise. But if you really do need a doctor, how’s it work?
@TheDodicat Amazing!! Thanks for the info.
Yeah, I saw this PBS special, too, where these dying people went back home to places like Greece... soon, they were no longer dying. Same with depress individuals. Nature really does seem to heal! Very happy to hear you are doing so well. That’s beautiful!
Also, the US has the most strange chemicals in it’s food. Many countries won’t even allow them for import. So it’s an unusually odd situation. (Personally, I feel and even look a lot better in Europe and Quebec compared to being back home)
You understand those people are paying for it in taxes, right?
Health care and health insurance is terrible in the U.S.A. It is too expensive. We need to get rid of insurance companies. We need a new health care system.
I wonder if any changes will come. There is a need and yet it may go on forever.
I agree 100%
you're delusional; if you simply purchase a plan with an actuarial value of 87% (with a
How are you going to pay doctors and nurses and employees if it changes. Americans need to change their eating habits and health routines
Come immigrate to Canada.
yea to a lot of people. getting health coverage is one factor that prevents people from quiting their day job...
no doubt its a pain
You need to be broke to afford living in California.
Yes. Most people pay a huge portion of their take home pay on rent. It's insane.
Chris L They are loosing the rich now as well.
John Lingel hey same in Florida
YEP. It’s disgusting
THEY DON’T WANT YOU THERE.
It’s for those making 6 figures. They took over.
Stop blaming it on the poor people. You sound ignorant.
I liked the intro. You've gathered some helpful information. I now need to consider a few more things before I quit my day job.
My econ class, public finance, just covered this topic last week. This is a good review before the midterm.
Thanks for the graph and bringing a rational perspective to the topic. I used to enjoy the freelance life but health care cost was a major factor which forced me to return to an employer. I was looking at 150 per month with employer vs. 1500 month same health coverage outside employer. 10x cost difference... crazy
I didn't mention ACA and as Beat the Bush points out doing the cost analysis for health coverage is not straight forward. But.. for there to be a 10x cost differential just because you are working outside of a corporation? Something funny is going on here.
I adore the beginning of the video. That was so cool.
Great commentary good job 👍👍
We really enjoyed your new introduction to beat the bush
Interesting vid. Thanks.
International Medical Tourism - Thailand , Malaysia, etc
You have some of the best videos online!
Wow, thanks!
Good informative video👍🏻
Thank you!
Great information in this video! It is kind of depressing though, this is a huge barrier to financial independence.
Very helpful and clear. Thank you.
You're welcome!
Yes, something is inherently wrong with the US medical system when “medical vacation“ is a thing. I also did the same thing in Asia. 7 stitches with no insurance for $18 in China.
Yup. It's very wrong right now.
Great video
Very good
Thanks for doing this video!! I feel like one of my biggest questions is how to get healthcare post-retirement :)
Im 20 years old and you are a big rolemodel to me! Im also studying engineering and now Im already starting to set my life up accroding to your videos :D thx!!
You probably get a head start from my vids as I sort of became more frugal over the years.
Will you please make a video on interviewing tips for recent college graduates!??!
Dental cleaning about twice a year is a definite. So are checkups and contacts/glasses for me. Definite expenses do kind of defy my definition of “insurance.” I’d love to know why the healthcare charges are so crazy high. Thanks!
Just put in my 2 weeks in at my job and this is definitely one of the things that has kept me there for 5 years my business income easily replaces my job I've finally pulled the trigger I've been looking into the ACA health insurance
Yep... it's ridiculously expensive and companies do pay a lot behind the scenes sometimes. Making that much harder to quit because it felt almost free.
@@BeatTheBush True! But I don't feel it's worth being a slave to the system when you know you could be doing a lot more with your life and already have a business generating 2-3x that jobs income.
I live in the central coast California and the ONLY provider from covered california in my area is blueshield. I pay $169.00 a month as a part time working college student.
This is exactly the barrier that keeps some of us from quitting the day job, even if we would keep doing the same work on our own terms, like freelancing or as a digital nomad. Too young, and not disabled enough to get medicare but with enough health issues that paying premiums & copays out of pocket is too expensive. Before Trump's changes to ACA I did the math on CoveredCalifornia and figured I'd need about $1200/mo just for health coverage (premiums & copays for visits & meds) assuming no deterioration to my current state until I reach 65. (That is an unlikely assumption, BTW.) My company pays 100% of the premiums.
Informative.
=D
Very good vdo.
Hey BTB. One thing missing from your analysis (or perhaps the subject for another video..??) is the healthcare sharing programs which are becoming more popular. Organizations such as Medi-Share, Samaritan, etc. I personally know a couple people using these plans (for several years) and they have nothing but good to say. If you're healthy you can usually save more than half of what you'd pay for the equivalent ACA plan. They're basically the same thing that a high-deductible plan used to be before ACA. Medi-Share quotes about $200/month with a $10K deductible for a person early 50's in good health.
Most are very good but make sure you understand them fully. I sell these plans and you can save lots of money with right ones.
I always get my dental work done in India. Even without insurance, it is much cheaper. And they do not pull out wisdom teeth unless medically necessary. (I remember you had done a video about wisdom teeth too)
My I.Q. dropped 12 pts after my wisdom teeth were extracted.
Thanks for the info. I was wondering how much ins. cost and this answered my question.
The answer is... it's ridiculous.
I got glasses from Zenni and Eyebuy Direct, both for $40 with anti glare etc. They're great. Be sure and get your pupil distance from your eye doctor!
Thanks for sharing. Zenni & Eyebuy Direct, I will check them out.
LOL nice one, after the letters are shown tho it kind of looks like Word Art on the old Microsoft Word
Health insurance is such a scam. I may need to buy my own health insurance soon.
Gwent Champ total scam. Just be aware it is no longer the law that you must purchase it. Trump repealed that mandate.
@@briansprenger5578 I just got penalized over 700$ on my 2017 tax return for no insurance.
If you need assistance, feel free to reach out. I have access to affordable private plans.
@@dianah.9718 me too...you can thank Obama for that one. Completely unconstitutional forcing people to pay for health insurance. Thank god trump repealed it
@@briansprenger5578 wow, I'm not a Trump fan, but that is one policy I can get behind.
Epo is Exclusive Provider Organization As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. There are no out-of-network benefits. If you are looking to go outside of network you want to look at a PPO.
You should look into medical sharing since you are a generally healthy person. It works very much the same as insurance, but it can be a lot cheaper.
No medical sharing is terrible. They are not real insurance, are several million dollars in debt and are not government regulated.. they literally don't have to pay for anything, it's simply a cost-sharing network. Would you trust a group of strangers with your mortgage?
Thanks for the video, Francis! Glad to know you remembered about the health insurance question I asked during the last SF meet up. Zip code 94110 is in the San Francisco Mission District, where I used to live for 9 years before I moved out to my current location. I had one tooth filling performed in Guang Zhou, China for roughly $3 USD and also tried teeth cleaning in Hong Kong for $12 USD. I'm also self-employ by the way in San Francisco. :)
elyen01 Hi, I live in SF too. May I ask if you use ACA or go thru private exchange for health insurance? I want to know if there are other options besides covered California. Thanks
OOOoooOOOoooOoo! You hit a raw nerve with me. I was an employee at my sister's business so she could get the tax deduction of about $600/month. After ObamaCare it shot up to $1300/mo (I was 59 at the time). I went to emergency for about 4 hours in Burlingame and my portion was $3800. I figured I would stretch out the payments since there was no interest. They initially wanted $250/mo but I told them I could only afford $50. She suggested I apply for a forgiveness program through the hospital. When I got the paperwork it turned out that anyone earning less than $60k would be forgiven 100%. While it took 2 months to process the claim, I sent in $125 each month for the reduced agreed upon payment. When it finally cleared I went back to the finance office and asked for my money back. I got a dirty look while the ladies in the back giggled. We can get really political with this. I'm from a Central Valley farming town and I can tell you that the "Immigrants" pay nothing because of indigent programs in place. I would suggest that your assets (house/money/etc) be put in some kind of trust/corporation/hidden some how and you pay your routine health care out of pocket..you have years of youth and health ahead of you. Some community colleges offer teeth cleaning for $35. Live healthy as best as you can and should disaster strike.. file bankruptcy or just ignore the bill. I don't think they would leave you laying in the street at the scene of an accident or stabbing for lack of an insurance card in your pocket. California law requires them to stabilize you without regard to your ability to pay. If you have no assets they cantdunuffin! They can't put you in jail for not paying your bills. This may sound shady, but look at how tech companies buy whole other companies and never transfer the real estate into the parent company's name.. the property never gets revalued (Proposition 13 prop tax law) and no additional taxes are generated. If they can do it I certainly will try. I badly need a cookie now!
Agree 100% with everything you said! So many people roll their eyes and think I'm crazy for telling them to put their assets into an LLC but losing everything can happen so fast
How about you stop spreading anecdotal data and look at the system as a whole before boldly stating that immigrants pay “nothing.” Especially when talking about California, one of the states that illegally oppressed Latinos when they were to be granted the same rights as White American Citizens since the annexation of Cali via The Treaty of Guadalupe. I’m not going to give a free lesson on everything at play, but just know your ignorance is no excuse when you obviously have the resources to conduct your own research since you had the time and ability to comment on this platform.
@@uriramirez7974 George Floyd is anecdotal
obsolete professor if you really think what’s happening right now is solely because of George Floyd... lol
Don’t ignore your bills, I did that and the problem only got worse. I got a court summons. Creditors can garnish your wages or your assets.
I was just about to ask you how your healthcare works being early retired
You almost require insurance BECAUSE the government subsidizes it... if they weren't willing to cover cost, then medical professionals couldn't charge crazy high prices.
same goes for colleges. Once the government started blindly giving out money to people, then the colleges were like "oh, you mean you can easily pay 10x as much???" Then the prices get jacked up.
Remove government and prices would prob not drop at this point, but they would became stable.
The high costs sort of creates a force field to keep people from escaping the traditional workforce. Makes you wonder if this is created on purpose.
I agree with this to an extent. However they also need to regulate and break up the big companies. Instead of subsidizing, create a government option only available to below poverty line, that is tough on people who take advantage - similar to meidcare. Also regulate the hospitals who charge $30 for a bandaid, no other industry jacks up prices when people don't have insurance.
REMOVE THE GOVERNMENT. You are 100% correct. There are PRIVATE plans that are super affordable for great coverage!
@@mariosuarez4008 Can you name a few private plans that are super affordable and have great coverage?
i have aetna through work and its pretty good , ive had kaiser also and that was even better but through work .
And those costs are just to HAVE health insurance. If you actually need to use it for anything other than colds or basic doctor stuff, you have to "meet your deductible." which is insurance code for "pay out of pocket." Last year I had a mammogram, and biopsy and it cost me $2,700 (my $2,500 deductible, plus another $200 once I had met my deductible.") That was on top of my employer paying $485 monthly for my health insurance. Needless to say, I switched from the Silver Plan to the Gold Plan where my deductible is "only" $1,250.
Yup. Just using it once will cost you. The cheaper the insurance, the higher the deductible and the higher the doctor visit costs.
So you're basically as good as uninsured...
@@dianah.9718 Maybe, but I'm guessing it would be $10,000, hospitals like to jack up prices when a patient is uninsured.
@@rs72098 jeeez, I've lucked out at 62 never having had insurance I've paid about 6000 total to doctors my entire life including delivering 3 kids myself lol!
@@rs72098 I don't know if that assumption makes sense. It seems more likely that the hospital want to get some money from you rather than you not being able to pay and it going to collections, never paid, etc. "Self-payers can negotiate to 33¢ on the dollar on their total bill because the hospital knows it's more than they would get from the insurance company after months of negotiation. The notion that if I don't have health insurance it's going to cost you more is just a lie that's part of the scam"
wow, i am not aware the extent that we are subsidizing the health insurance. crazy!
and that is why the prices are high :(
Why not jack them up when everyone in the country is being robbed to pay off the medical companies.
I hope to see less theft one day, and ins be used like it should be.
There ya go, I feel lucky to be at $609 at 60. Well not really but it could be worse. The problem with those plans you mention is you have to spend like $8000 before you can use them! I liked the intro thought it was very cool. Equifax has a new free lock/unlock feature you might want to make a video on? Freeze is still free through June 2018 but this is supposed to solve their bs problem I guess :).
I can save you money and remove your deductible with the nation's largest private insurance company. Feel free to reach out for assistance
a bit off point from this video with my question... I just watched your video on the boxster ... can you give me details on that car please? or tell me if you posted it someplace else.. thanks B
$400 a month is a lot more that just annoying on $48k salary. And that’s as a 20 year old when it’s cheapest!
Yeah, that's $4,800 a year. Companies are pocketing it, but you also have those people who have 20 prescriptions.
@@rs72098 a healthy person shouldn't have to pay so much for health coverage. Contact me how I can help you out!
If you are lost and not sure what to do.. there are affordable healthcare options for self employed individuals.. I can guide you to these plans and save you thousands
this was helpful thank you, I quit my job and am going to have to shop for health insurance soon xD
You're welcome. The mystery of how much it actually cost is a major stress point.
@@BeatTheBush Let me help you guys out. As a health advisor, I'm able to find you affordable private plans that you didn't know existed. There is a solution, it's removing the greedy government from the equation.
It is cheaper to go to another country for eyeglasses, contacts or dental care. I agree with you.
I'm impressed that you gained this degree of financial independence. I am curious about something. Based on the nature of your self employed work, would you be able to relocate to another state and still maintain that job? Would it be worth it to move to a state or city with lower property, sales, or income tax?
Yes it would and yes I can. But I wont because I enjoy the people in the area more.
So I didn't like that graphic at all for your channel BUT I did LOVE your reaction to it. One of the great things about your channel is your sincere and endearing persona. So I don't think you need the graphic and we as the audience don't need it. We just need you!
It seems divided so far on yes or no. I will reconsider or try better. No graphic!? Huhhhh... But it looks so fancy and more well put together no?
When you punish success and reward failure what do you get more of?
I am shortsighted so I was surprised to find out what a hassle it is to get new powered contact lenses in California. Back in Malaysia, I could walk into an optometrist store, get my eyes checked there and then, wait for them to order, then come back again in a few days. Sometimes, they may already have it the store. I can get 3 pairs of contacts (in grey/blue/purple/brown etc) for RM120, so for things such as this, it's actually a lot cheaper and less of a hassle for me to just order them overseas.
But yeah, DON'T GET SICK IN AMERICUH!!
It'll cost you your life if you need to go to the doctor's ... or well... not life, a lot of money.
You are so right. I just quit my job to be self-employed and I am over 50. My insurance is over $500 for a bonze. This is rediculous.
is this per month?
@@justifiedmasagony3635 yes
Thank you for your videos. Im very grateful! I have learned so much from you. May you please make a video on how to prepare your own income tax return? What software should I use to file it or where may I get tax prep info from? I don’t want to rely on a tax preparer or accountant for it. Are accountants really worth the cost of their service or I can do it myself? Taxes are due soon. Please help
Oh... I always though if you get turbo tax, it's almost automatic. It asks you questions and you just fill it out. You'll only really ever find out if an accountant is worth their cost if you prep it yourself and THEN go to them and see how they do. Take the difference if they can get you more in tax refund.
turbo tax
Does one get the same credit for different coverages: bronze, silver, or gold?
Yes.
What about medical tourism in our hemisphere? Canada maybe or Asia somewhere?
Wealthy Canucks come to America for timely and important medical care. You want nothing to do with Canada's "free" healthcare.
Does this cover drugs, dental and vision? If not, are there any government subsidized programs for them? Thank you for making this video. It’s very helpful.
Gigi the dental is garbage don’t waste your money.
Isn't the new rule that you should only be paying 8.5 per cent of your salary for insurance?
You can't choose to have a good plan. It's like do I want protection accident protection for my product.
You do such great videos! Have you considered joining a healthshare? You can join at any time and it is so much more affordable.
I have heard of them and looked into it. It might be a possibility in the future.
Would it be safe to go over seas for open heart surgery?
Seeing an ophthalmologist every year or so not an optometrist is crucial for the health of the eyes- macular degeneration, etc.
Hi BTB, is the government credit based on current or prior year earnings? What is the definition of earnings? Does it include capital gains?
Mark S Thank you for the clarification. Since the credit is based on current year earnings, does it mean people only receive the credit after the end of the year? And how?
Thank you , Mark. This is very helpful.
Insurance in UAE For my Dad costs 16k AED Which translates to 4.3k USD...
And not to mention my dad DIDNT Go even once this year to any hospital so far. and also not to mention the insurance co Rejected CT Scan.
Insurance is compulsory in UAE but it kinda looks like a rip off for Self employed. talking about employees, their insurance costs 200 USD Approx But its worth buying But for Self Employed its a Rip off.
When you are employed by someone, they are subsidizing your health insurance so it will be cheaper.
Im just against the fact that health co's charge more for self employed people just because they can afford to.. Almost 10 percent of the income goes towards Health Insurance and not to mention some people don't even make 16k AED in a year (probably not in 2 years)
its a Big rip off by Insurance co's who exploit the good laws. in a way compulsory insurance is Very Good for people as Health care is expensive But just because people can pay doesn't mean Insurance co's should use the chance to exploit. also there's a fine if the employees of the employer doesn't have insurance.
Can dentist from Taiwan open dental office in US and compete with other dentists on our free market? *rhetorical question
I think they might need the proper license. Cost of living can make the cost higher by a bit.
@@BeatTheBush If it's any useful information, when my dentist who was born, educated, went to dental school, and practiced dentistry in South Korea relocated to the U.S., our government made him repeat dental school all over again in America, just to become a licensed dentist and practice in America. This was years ago. I don't know the rules now.
For PROFIT healthcare - what could possibly go wrong?
As a viewer from the UK 🇬🇧 , US healthcare costs are confusing & scarily expensive!
I agree. It's insane!
so what kind of health insurance do you have for yourself?
The regular kind where you buy it in full price.
Health insurance is very expensive, even for a college student. Something to keep in mind when thinking of retirement.
If you want help retiring early with affordable coverage, feel free to reach out! I can help you out.
Is this based of gross income or gross profit income?
My wisdom teeth extraction cost $2000 I exiting would of been $500
Exiting?
Very interesting. We have been thinking about getting health coverage in the U.S as our healthcare system in Canada is terrible. Too bad we don’t have a two tiered system!
with 5K deductible :)
Health Insurance can be very and I mean VERY expensive, especial if you are an small business owner, and entrepreneur, or individual. Most states (like NC) think they only have just one carrier they have no choice to pick. Which is true, if your healthy with no pre-existing conditions you could possibility qualify for a better plan with lower premium that could give you better benefits. With that being said there is another insurance company. And actual PRIVATE insurance company that is not on the ACA. This health insurance is not offer in many states and it is NOT apart of the ACA. Before anybody calls BS, this is a real health insurance company. But again if you have pre-existing conditions, you do better with the ACA.
True, there are indeed other options but seems very mystifying if you don't know where to look.
@@BeatTheBush true and majority ppl do not trust agents, tv and news has put a bad taste in ppls minds
that intro looks like something from the early 2000s. its decent tho
wow sounds better to travel to another country for vacation then combine it with dental care while out of the country.
If you know the destination prices, you might be able to get a free trip. But having dental recovery while in vacation might not be fun.
is that based on pre tax income or net income?
Could you plan your yearly income so that for 4 years you make less than $20K per year and then for the 5th year you make as much as possible? (say $420K). So for 4 years you pay very little for health care and then the 5th year you make enough to last you the next 4 years and health care will cost you about $14K for that one year.
From what I can see if you have a yearly AGI is between $40K and $140K you pay about 8.5% of your income to health insurance for a silver plan, California, Age 60. For AGIs less than $20K it's about 0.0% and for and AGI of $420K it's about 3% or about $13K so your average is $13K/5years or about $2.6K per year or an average of $220 per month over a five year period.
In both cases you make an average of $100K per year but in one case your total 5 year health care is $12K and the other is $42.5K.
If you sell investments and log capital gains you can control it like that but profits from sales are much harder to control that way. You could lower profits a bit via capital expenditures, or a lot like Amazon.
Yes, I was referring to investment gains because I may be out of work at the end of this year so I need a 5 year plan to get me to age 65.
I see a typo in my email, the "$12K" should have been "$13K" to match the other "$13K" references
Also the other case I was referring to would be if you had an AGI of $100K for each of the 5 years.
Both of these errors I don't think change your reply but I just wanted to correct something that was not correct or as clear as it should have been.
Yesterday I asked a broker if there was a very safe investment like US treasury bonds in which the DIV or INT was not taxed until the time they mature and he was not aware of an investment like this. At my age I need something safe and US treasuries are looking pretty good right now but they pay INT little by little as they mature.
Very few investment UA-camrs will discuss taxes and with the tax code as complicated as it is I think a lot of people don't do a good enough job taking care of their investments with regards to taxes
Thanks for bring the tax code into this picture.
OMG I Get paid commission only and now I have to pay over $500/month for health insurance. Ugh. Crying.
I make less than 13 k per year. I qualify for medicaid. I want to get a sleep study done which will cost thousands of dollars up to 3.5 k with a apnea machine. Will medicaid cover everything if i qualify. Will I pay anything? If so, what?
I happen to be an expert on sleep apnea, I had a job in the field. Medicaid will provide little to no coverage for your sleep study, they'll likely cover 10-20% of your machine and related supplies.
Dang, not fun. I have been hearing different things. I read that one guy had his machine fully covered. Do you think medicaid coverage in illinois may be different? I have been looking for hours through google to see how much medicaid covers and there is no definitive answer out there.
Being an expert on sleep apnea. I want to propose something I am thinking. I do not have the money to pay for a sleep study and a new machine. I hear in clinic sleep studies cost 1k minimum and that does not include the machine. Can I get a hold of a machine used for 500 dollars or less without a prescription? I want to test myself with a pulse oximeter (about $150 that records data overnight) and if I show signs of sleep apnea I will bite the bullet and buy a cheaper used device. Thanks for your help. I have been wanting to get tested for about one year now but I just do not have the funds. I been appying to numerous jobs, almost snagged up a nuclear submarine officer job (would have made around 100k/year) but failed a portion of my interviews. I am struggling here and I suffer badly from fatigue and exhaustion during the day. I also have high blood pressure for a 23 year old. That potentially could be due to sleep apnea.
Yes, medicaid coverage varies from state to state. See if you can get it through medicaid first of all.
Yes! You can find used sleep apnea machines on cragislist/ebay in the $250 range!
I know a lot about this stuff but realize I'm not a doctor, so take everything I say with a grain of salt. I worked at a sleep apnea store as a salesperson.
They will tell you that you MUST have your machine calibrated by a professional. But that's because they are liable if they don't calibrate it right. Trust me, when it comes down to it, it's just a machine that blows air into your mouth. It's not dangerous, nothing you can do with it is going to hurt you.
Having a machine that isn't quite calibrated right is much better than no machine at all. So I would get a used one (try to get a BI-PAP or AUTO-PAP if you can, they are better than CPAP. They say they're just for people that are really sick but really they're better for everyone, they just don't want to pay for a BIPAP if you'll get by on a CPAP) Try to get one with a humidifier, don't buy a machine that isn't RESMED or PHILLIPS.
Once you get it, start experimenting with it. Try different masks if you can and find one that works. Masks that cover your mouth and nose are better if you can get used to them. Some people tear them off at night and have to use one that just covers their nose. These are inferior because sometimes air leaks out the mouth, but it can be remedied sometimes with a chin strap.
Cheapest accessories (if you want to buy new) are at CPAP.COM. there are also forums for advice from other users.
The bottom line is, from hearing your symptoms, YOU MUST GET A CPAP! Don't delay! It will change your life!
How many years have you been like this? If it goes too long, you will get into permanent exhaustion and you will never be the same. But since you're young you can probably start treating it and you will go back to normal.
In the meantime, eat healthy and exercise. 50% of people whose neck is over 17" in circumference get sleep apnea, obesity is the number one cause. (I'm just assuming you're overweight, skinny people can get sleep apnea too but it's rare) This starts with your mental and spiritual state. In order to get the will power to eat right and exercise, pray and read sacred texts if you're religious. Wether you're religious or not, fill your mind with positive thoughts and meditate and imagine yourself in the health state you want to be. If I assume correctly that you're overweight, you can completely reverse your sleep apnea by losing weight. This is much better than getting a machine.
As far as your job, keep applying for jobs but try to find a way to make yourself more marketable. Do you have any skills? You could start learning how to code at www.freecodecamp.org/ if it interests you. Computer programming skills will almost guarantee you a good job for the rest of your life. Also you could find a job teaching english to chinese kids online. You have to get up early but you get 14-16$/hr.
Sorry to say so much, I really want to help you out as I met a lot of people at my job who were in your same situation at 60 years old and I don't want that for you.
Thank you very much for the great typed out response. I apologize for my delayed response. I managed to take about a 2 hour nap because I was exhausted from a 4 hour work day. I say not so normal for a 23 year old.
Here is my response:
Ok great! Worst case scenario, I will look into acquiring a used machine. I heard of the air pressure argument but as you say it is just a required legal statement. If anything, I can always down regulate if it become to uncomfortable and test using pulse oximetry again. That is a great link for new cheap accessories, I will keep that for my records.
As for how long I have been like this. I cannot explicitly say but one/two year minimum (with the fatigue/exhaustion being at this level). I cannot remember when the last time I woke up feeling refreshed, jumping out of my bed ready to conquer the day. If I had to put a number on it, I would say over 4 years ago. My dad (who I currently work for) has always said "a young man like you shouldn't be so tired all the time" and that is true, I shouldn't. However, I should say he is not very supportive of me whenever I mention the possibility of sleep apnea because he thinks it is bogus. He says "what did people do 50-100 years ago before they had treatments for sleep apnea? People back then did not need it" and also "If I ever wanted to stay up I would think of new things like caffeine pills" and then compared sleep apnea treatments to "people who took cocaine/uppers before medical science told them how bad they are for you".
I am 6 ft, 165 pounds currently. I have never been fat in my life however a few months back when I was still actively working out I reached 182 pounds low body fat. I had a neck measurement up to 16.5 inches. My neck is probably around 15.5 inches now. I did notice I had more sleeping complications the heavier I was, more like a harder time to fall asleep though. Not that it matters much because I still suffer from daytime fatigue, sleepiness, etc.
I also never was a snorer. My snoring intensity has picked up increasingly so for at least the last 2 years. I had people tell me "I snore like a train" and when I asked them if I kept them up at night they would say yes I did.
I do keep myself filled with positive thoughts and consider myself a Hebrew roots Christian. I recently have tried a few times mindfulness meditation and I believe this helps me stay focused and not so scatter brained as well. I will take up exercising once I can get a better paying job. I have a Chemistry B.S. but even then I have been rejected many times due to lack of experience. I foolishly did not study under a professor or have an internship.
I also know of someone who teaches children Chinese online. I do not think that teaching is my cup of tea. However, I have started learning the computer program Python3. I completed a tutorial of it and have created a couple simple programs so far. I will check freecodecamp out.
I cannot express my gratitude to you to a sufficient degree. You are very helpful and accommodating. Thank you for all your time.
Hey don't worry about the response! Not everyone spends the whole day on UA-cam like me :)
Well, it's a fact that not treating sleep apnea will knock years off your life. Sounds like you're somewhat of an anomaly, 160 seems normal for your height.
Well good luck with the job search, you should come back and let me know when you find one. That would be fun to hear about.
A Hebrew Roots Christian. I'm not familiar with that. Do you observe Sukkot and that sort of thing? I used to live in Mexico and I had a friend who did that but was also Christian. I'm part of the Church of Jesus Christ of Latter-Day Saints. (Mormon).
Might be just pay penalty if you are healthy....thanks for putting all the dots together...i live in MA guess thats gave me a rough idea how ridiculous this healthcare system is
It really is. It's crazy to ask someone to pay $1000/month for health care if they earn $40k/year.
$1000 a month enough to live in many other places in the world. Theres an exemption from penalty include US citizen live abroad 330 days or being a resident in other country in a full tax year...
Sounds like it may be best to just leave the US for decent healthcare whether it be universal or simply affordable walk-in care like you received in Taiwan. Both would likely be much better than our current system, though Universal healthcare could be extremely expensive here, tax-wise, due to frequency of obesity, poor health, and chronic ills we have in the states.
I think it's also expensive due to the inflated prices of care in the current system.
Thanks to BTB. Now I know where to get my dental work done.
Thoughts on whole life insurance?
Appears to be a bet on when you die. Great if you have people relying on you for support.
The opening is fun but it would be more fun if it featured the Couch Community. I'm not going to comment on the rest of the video as I see it has generated plenty of controversy already.
Welfare incentives not to work over 400 percent above poverty level
Lmao
Lmao
Can someone help me out with this? I don’t understand any of this.
I’m looking for a better health insurance for my parents.
My dad: got $5000 bills from the hospital and we couldn’t pay at the time so it went to a debt collector and I don’t where it went like literally.
For my mom: $1000 bc she got sick this month. We got new insurance but our insurance is terrible. They only pay like 20% of it.
Mom and dad: own $ 20,000 on the medicaid or Medicare ( don’t know which one)
back when they just got to United States 10 year ago. The State basically gave us free healthcare but my mom and dad got a job and they didn’t know about this so they kept charging us and we didn’t know until we got the bills from the state.
Someone please help me. I am still young I want to learn to help my parents. They don’t deserve this.
Usually, if you use the wrong insurance you cant really go back and say you had a different insurance. You can try to fight it but it will be an uphill battle.
This still sounds better than France, let me run some figures past you if you were lucky enough to earn 100,000, I will compare to a low tax state. France is 46% social charges plus income tax on top, that will not cover all your medical bills and you will need to pay extra for top up insurance. Count on then taking 50k from100,000 and then factor in sales tax 4 times higher on everyday expenses. A low tax state would take 15k and maybe factor in 10k a year for insurance you are still 25k better off and even more so when you factor in the low or zero state sales tax.
46% whoa.... a very different way of life.
It’s not hard to “Beat the Bush”
practice makes perfect
Health insurance is very expensive,but k
Luckily my job pays for my health insurance and dental insurance.
This is the very point that keeps many people working for the man. But when you really think about it, it is a right of passage to become self-employed.
Howsitgoingeveryonethisisbeatthebush!
If I did not have the ACH, our insurance would be $1800 a month. In other words, we would go without insurance.
Why should I, as a taxpayer, be forced to subsidize your healthcare premiums?
I understand why you feel that way. We make in the 40's and do pay taxes. . I am glad to have a discount know it may not last forever. . If our insurance was $1800 a month, we just would not have it. We would have to be a cash patient.
That is true.
Not true. Self-payers can negotiate to 33¢ on the dollar on their total bill because the hospital knows it's more than they would get from the insurance company after months of negotiation. The notion that if I don't have health insurance it's going to cost you more is just a lie that's part of the scam. Insurance companies lobbying government with big donations has ruined healthcare, not people who don't want to throw their money away on insurance they will rarely need.
So what is the answer? What if someone has a 30 thousand dollar hospital bill and can not pay it?
My dad had extensive dental work done in Algodones, Mexico.. which is a few miles from Yuma Arizona. The parking lot on the U.S. side is Indian land so you pay a nominal fee. Its a 3 minute walk into Mexico. The district surrounding the border is filled with medical services and pharmacies. I suspect they are all the same company because the clerk I befriended walked across the street to the next pharmacy to complete my order. The dental office my dad went to had a clean bathroom but it only had one faucet for cold water. The dentist used the same bathroom and he doused his hands with alcohol before returning to his patient...highly suspicious!
dinosaur keeps staring at me.:)
Move from side to side and see how the eyes follow you.
United health care
And aarp
Rips off senior
Your analysis is flawed. Think of it this way, what are the costs when you include the deductible? How much do does a person or family’s net income increase moving from 20k to 30k to 40k, etc.
It would be helpful to look at the net cost for bronze coverage, assuming one doesn’t need to go to the doctor except for preventative care.
Gigi just looking at “preventative care” doesn’t make any sense.....even after the subsidy ($50/month for an annual checkup and “free” birth control) a person isn’t coming out ahead. Topping things off the tax payers (basically the middle class) are paying the subsidy which starts at $350/month.
I guess I'm not gonna be able to afford health insurance
It sounds ridiculously expensive to me as well.
@@BeatTheBush Hopefully they can make it more affordable
The premium is only part of the cost. Very high deductibles and high copays. It was never this expensive before Obama.
well if you are like my friend "who get his anus surgery lol" cost around 18k in US here. he couldn't work for 3 months because he can't really walk around, so 3months without pay check lead him to poverty and unable to paid for his so called "anus surgery" turn out he only paid 800$ total because he was unable to pay that much and the lady who work in healthcare system helped him out.
Wow... that must be embarrassing to say you cannot go to work due to that.
Wait a minute BTB! We were told that 0bama had the whole health care problem sorted out.
No one ever said that, least of all him.
Intro sounded like ramen being slurped.
In one word - SCAM!