You know what really lowers your net worth? Not being able to work because of a busted ankle you didn’t fix.
No, I just knew the lefties were going to descend on this thread.
Edit: Which bmw can you get for $14,000?
What are your assets that you value higher than insurance?And like Fry said…put off healing and get a club foot or something…THAT will really impact your “net worth”.
If you had TRUE assets, working wouldn’t be as scary to lose for a bit. You’d have cashflow from TRUE assets whether you had a paycheck or not. Net worth is meaningless unless the “assets” are bringing in money every month.
I guess what I’m saying is the proper definition of an asset is that which ADDS money to your pockets each month. A HUGE house or a stable of vehicles are liabilities not assets. They produce no cash flow.
I’m not picking on you and I think the insurance people are crooks. I feel bad for ya. I will feel worse if you don’t take care of this and lose your ability to earn a living cause bones that aren’t healed properly cause LOTS of issues down the road. I’m only 33 and am feeling the pain of not properly healing bone damage. 
GL
The Emerlings are related to my fiance somehow. There were a bunch of Emerlings in school too way back when.
I see your point on not fixing my ankle… I’m hoping it improves. The Doc said to give it some time to see if it starts to feel better. It’s not broken with displaced bones from what he said, which is a good thing. He thinks it’s a stress fracture which I guess there isn’t much you can do for…except try to stay off it and not twist it up. It still hurts like hell though
I see what you mean about real assets and what not. I’m just in a super shitty position. I have a mortgage, truck payment, payment on a farm tractor, vehicle insurance, and my school taxes just came. I’m fucking broke. All this stuff I own, I’ve had forever. Since before I had all these payments. Yeah I could sell it all off, but then what. That’d crutch me along for a little while, but when it’s all gone, that’s it. Then I’d have no money and nothing that’s worth anything at all. And before all the “you shouldn’t have bought things you couldn’t afford starts”, my mortgage is $460/mo which I split with the fiance, the truck payment is on a '96 Dodge, the farm tractor is from the '70’s, insurance and taxes are inevitable. I didn’t build a half million dollar house, buy a $50,000 truck, or a $40,000 tractor. Normally I’m not over extended, but the school taxes fucked me in the ass. They’re 10% of my yearly income. There’s no money left for health insurance no matter how I cut it.
If it is a stress fracture in your ankle there isn’t much they can do about it beside cast it anyway, buy one of them air castes and be on your way.
And why wouldn’t we? The legislation being proposed would prevent this situation from happening.
Either:
-His employer doesn’t provide coverage because they’re dicks. They’d either have to pay fines or come around.
-Both his employer and himself really can’t afford to provide coverage. He’d be able to get affordable premiums on the public option.
-He really can afford health insurance and just doesn’t want to. He’d probably have gotten it if he was faced with fines for not doing so.
EDIT: @ blue eyed devil
you don’t get it, do you? i was paying out of pocket for healthy ny when i delivered pizza for 2 years after college before i got my current job with benefits. it was like 180/month.
i did that because i knew one trip to the hospital could easily reach into the 5-6 figure range, and that was even further out of budget than 180/month.
so you want to keep a couple toys that are only worth 1-2 years of insurance when you’ve just been faced with a real life lesson on how important health insurance is? brilliant. keep up the good work.
If you were a real American you would have limped over to Tops and faked a “slip and fall” in their parking lot. Let those greedy, evil corperate bastards pay for it!
j/k
I’m comparing monthly payments of a 5 year auto loan of $30,000 to the companies monthly cost per employee for the family plan.
Well, $180/mo is $2160 a year. I’m 99.9999% sure I can get my ankle fixed for less than that, so theoretically it’s cheaper to not have insurance.
Any kind of insurance(or no insurance) is a gamble.
We just went through all of our corp. insurance last week and decided/guessed what we really needed.
It is all about gambling.
i’m sure you can too. my point was that if anything even remotely major happens, you’re fucked. xrays are not cheap. neither are any other tests.
my other point was, having the peace of mind that i wouldn’t be fucked if a medical situation arose was worth the premium to me. sure it sucks to dish out the money monthly, but one wrong move can fuck you for years.
i just double checked, it was 160.
Why don’t get get high deductible insurance?
You also get negotiated rates for services and usually end up saving a lot of money.
Edit: I would also add I didn’t have insurance for one month when I changed jobs and was stupid for not getting Cobra I ended up in the ER and that cost $3000
I believe you can buy something like “catastrophic” insurance in case something really bad happens.
Yeah get that fixed up asap. NO amount of money can come close to comparing to quality of living further down the road.
Broken ankles suck, ask me how I know.
Have my issues w/o insurance i’m sure my last month is at least 300-400K worth of medical bills and all i had was a few headaches
both of my BMWs combined have about that value.
Are they “brand new” like the post said?
Back on topic.
Never heard of that… might be worth looking at.
How do I even go about shopping for insurance? I can’t help but feel like all insurance companies are just out to steal your money.