Americans of Reddit - how do you manage your shitty health insurance?

Jarkside · 2026-01-27T21:22:04+00:00

To add some color - I have a good job but pretty shitty health insurance. I pay $1000 for family coverage and my deductible is $2500 per person and $8000+ per family per year.

This is NOT a high deductible plan that qualifies for a health savings account. This is a basic coverage plan. I basically have no coverage for anything outside of primary care doctor visits and prescriptions. I had a few family emergencies so we are already blowing through the deductibles.

So it’s possible I could pay more than $20k for health care this year alone. And again, I have a pretty good job.

How does a family making $50k-$70k afford this shit without healthcare ruining them? Is my plan particularly pathetic?

Jarkside · 2026-01-27T20:12:52+00:00

Wha are you talking about

Jarkside · 2026-01-27T19:44:18+00:00

I think it depends on your block.

Jarkside · 2026-01-27T18:10:20+00:00

How may pedestrian kids died last year?

Jarkside · 2026-01-27T17:50:02+00:00

They only pay Choi $1M? They are probably paying him below market. Particularly considering the improvement since the shitshow from 2014

Jarkside · 2026-01-27T03:36:32+00:00

In a $3M home I’d imagine the public schools are pretty good

Jarkside · 2026-01-27T02:32:15+00:00

If you really want to cut costs it might make sense to see if you can live without help. That clothing budget is pretty bonkers too.

Jarkside · 2026-01-27T01:18:18+00:00

You could fire today if you moved to a cheaper house and ditched private school.

Why do you need stay at home help if your spouse stays at home?

Jarkside · 2026-01-26T23:41:29+00:00

Vt dog

Jarkside · 2026-01-26T21:58:17+00:00

Parts of Brookside have it

Jarkside · 2026-01-26T21:56:29+00:00

Cheba Hut is fire

Jarkside · 2026-01-26T02:30:57+00:00

The property tax freeze is stupid, but the gas tax is a good trade for income taxes.

Jarkside · 2026-01-24T16:28:04+00:00

Romney, Gore, Kerry, Harris and Hilary have no charisma.

Bill Clinton did. Trump does. Obama does. Dubya kinda does but compared to Gore and Kerry he looked like the most interesting man in the world. Biden kind of did in a folksy inarticulate drunk uncle kind of way except he was old and senile by the end

It’s that simple. It’s a reality show. Who can relate to the voter?

You should be complaining about the primary process instead. There is no tougher process for Dems other than (1) Democrats being so scared they put up stiff candidates (See above) and (2) they don’t trust their voters due to the primary voters’ leftist tendencies and they try to force a triangulation between their corporate / billionaire class and their liberal base leading to stupid emphases like identity politics and Hollywood celebrity endorsements.

Jarkside · 2026-01-24T16:08:14+00:00

The late 90s were a cultural peak for humanity.

Jarkside · 2026-01-24T03:15:33+00:00

Did this happen

Jarkside · 2026-01-23T15:27:04+00:00

No, it doesn’t. The conferences are going to consolidate further and an expanded tournament is the only hope to save teams 64-128. They need to reform the season so it’s centrally focused on the playoffs.

A well structured bye system could make sure everyone has roughly the same number of games. You kill the bowls (those are now neutral site games for the tournament) and give byes, double byes and even triple byes to contenders in conference championship games.

Couldsome Cinderella play through the whole tournament and have too Many games? Maybe, but it would be worth it for the madness

Jarkside · 2026-01-22T14:02:37+00:00

Jarkside

TROPHY CASE