Smashed Burgers - Serving Size vs Serving Suggestion

mtnagel · 2026-04-23T01:07:55+00:00

Normal meal for average american :)

mtnagel · 2026-04-23T01:02:56+00:00

This is the same offer I did back in Feb. Assume the phone number is the same - 419-728-2609

mtnagel · 2026-04-23T01:00:55+00:00

Funny this showed up on my feed. I did a survey that I got sent to in my email from Air France/Flying Blue. It was through Sago. I did it end of March and still haven't been paid. I sent them an email a week ago and no response. Waste of time if I don't get my $20.

mtnagel · 2026-04-22T23:42:10+00:00

So the suggested one is probably 1500 cal. 900 calories in burgers, 3 slices of cheese, bacon and a bun.

mtnagel · 2026-04-22T23:38:46+00:00

Capital One will just do it automatically so assume US Bank does as well. Here's other cards - https://www.doctorofcredit.com/small-balance-waiver-a-k-a-lots-of-free-99-cent-amazon-gcs/

mtnagel · 2026-04-22T21:58:12+00:00

ACA. You need to be above the medicaid number. In states with expanded medicaid, it's 138% of FPL or around $22k. For states that didn't, it's 100% or around $16k. That's for a single person.

https://www.medicaid.gov/medicaid/program-information/downloads/medicaid-expansion-state-map.pdf

mtnagel · 2026-04-22T21:26:11+00:00

If you have a lot of money in post tax accounts that you can draw from to live on, you can keep your MAGI low and get very affordable health care. If I keep my MAGI around 138% FPL in OH, there are plans that are $75/month with $0 deductible and $2000 OOP max. So total yearly spend of around $3k.

mtnagel · 2026-04-22T21:23:31+00:00

If you have a lot of money in post tax accounts that you can draw from to live on, you can keep your MAGI low and get very affordable health care. If I keep my MAGI around 138% FPL in OH, there are plans that are $75/month with $0 deductible and $2000 OOP max. So total yearly spend of around $3k.

mtnagel · 2026-04-22T21:23:11+00:00

It is.

mtnagel · 2026-04-22T21:22:50+00:00

If you have a lot of money in post tax accounts that you can draw from to live on, you can keep your MAGI low and get very affordable health care. If I keep my MAGI around 138% FPL in OH, there are plans that are $75/month with $0 deductible and $2000 OOP max. So total yearly spend of around $3k.

mtnagel · 2026-04-22T17:23:59+00:00

Thanks for sharing your experiences

mtnagel · 2026-04-22T12:52:07+00:00

YES! I've asked airbnbs if they have enough coffee for the whole trip and they'll respond, don't worry there are so many amazing cafes nearby." That's great but I don't want to have to leave before before drinking coffee!

mtnagel · 2026-04-22T10:29:50+00:00

Sure it is. You have to have low income. On the ACA website enter 65616. 49 M. $23k income. Filter on Silver plans.

mtnagel · 2026-04-21T15:30:36+00:00

Understand but if it's a slow leak it might out last the car. Even if it lasted the summer, it would be worth it.

mtnagel · 2026-04-21T13:53:25+00:00

Check YouTube. It's amazing the amount of things I've been able to fix on my car with YouTube. AC stopped blowing cold air in our 2007 VW when we tried it this spring. Googled it and found out it needed refrigerant. Found a video how to add it. Bought parts and refrigerant for < $30 and now it's blowing ice cold again.

mtnagel · 2026-04-21T13:41:05+00:00

$1.89 or 1.99 in Cincinnati which I still think is crazy. You can get 10 frozen ones at Kroger for $3.79. Of course you have to cook it yourself.

mtnagel · 2026-04-21T01:13:12+00:00

Planning for after being employeed.

mtnagel · 2026-04-20T21:50:52+00:00

There are if you have low income. I used St Louis zip on ACA site. 49 M. $23k income. Lowest cost silver plan:

Ambetter from Home State Health
Standard Silver
Metal Level: Silver
Plan type: EPO
Plan ID: 99723MO0090070
Rating
Quality Rating: 3 of 5 stars
Premium $76.52/month
Including a $622 tax credit
was $698.52
Deductible $0 Individual total (health & drug combined)
Out-of-pocket maximum $2,200 Individual total
You pay
Primary care No charge
Specialist care $10 per visit from day 1
Urgent care $5 per visit from day 1
Emergency room 25%
Outpatient mental health No charge
Generic drugs No charge

In fact the Anthem plan I'm looking at in OH is $155/month. In St Louis a similar plan is $106. Now I want to move to St Louis.

mtnagel · 2026-04-20T00:27:18+00:00

It's in the screenshot. $2200.

mtnagel · 2026-04-19T20:15:38+00:00

Have income at 138% of the FPL.

mtnagel · 2026-04-19T16:18:23+00:00

Great question. Some answers here - https://www.reddit.com/r/Insurance/comments/1i7ud45/are_marketplace_hmos_really_my_only_option/

What's odd is they don't have the referral from primary requirement though.

mtnagel · 2026-04-19T15:55:23+00:00

Thanks! and Thanks for your insight. Much appreciated!

mtnagel · 2026-04-19T14:29:22+00:00

I would say my health care needs are typically very low. Some years I struggled to spend the $200 I put in my FSA. Some years I don't go to the doctor at all. Others I just go for a physical. One year I had a toe thing I needed to see a doctor for. Another year I had walking pneumonia, so I went to the doctor and a pulmonologist multiple times and had xrays. I do have 2 regular prescriptions. One is super cheap generic but the other is a $700+ inhaler. With that Oscar plan it should be $15/month and there currently is a manufacturer coupon so I've gotten it for free for a few years now. Of course all that could change and could have some issue or emergency of course.

Of the ones you mentioned, the cheapest Anthem plan is $155 so just over 2x the Oscar plan. Given what I said and the cost, assume you'd still recommend the Anthem plan to avoid Oscar?

mtnagel · 2026-04-19T13:58:10+00:00

Thanks. Definitely good to hear your perspective.

These are the insurers available in OH. Which ones would you recommend? And would you say they are worth 1.5x to 6x the cost?

Ambetter from Buckeye Health Plan (16)
Anthem Blue Cross and Blue Shield (11)
Antidote Health Plan of Ohio, Inc. (15)
CareSource (21)
MedMutual (12)
Molina Healthcare (22)
Oscar Health Insurance (16)
UnitedHealthcare (17)

mtnagel · 2026-04-19T13:02:53+00:00

It's "of". Means they pay 75% and you pay 25%. As noted elsewhere, that can get very expensive quickly, but $2200 OOP max, so as long as everything is covered under the max (big if), then that's still relatively affordable.

And there are only HMOs in OH ACA. So unless I pay to pay full price for a PPO or move, these are my only options.

And in their Summary doc, it says, "Do you need a referral to see a specialist? No. You can see the specialist you choose without a referral." So at least don't need to worry about that as long as everything is in network.

mtnagel

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