savings by NOT HAVING health insurance

We are in bad shape!!!!!

 

According to Todd Spencer, executive vice president of OOIDA, nearly half of all owner-operators do not carry health insurance. "The last time we surveyed owner-operators, upwards of 45% did not have medical insurance," Spencer says.
Other recent surveys have shown that the percentage of owner-operators without health insurance may be less than 40%.
Figures also show that the majority of those who do have medical insurance subscribe to nationwide health plans, as opposed to hometown HMO plans--and for obvious reasons. While the hometown HMO plan may be great for the spouse and kids, it won't do you much good if you get sick while you're on the road far from home.

 

It's like everything else. Corporations, the corporate media, and politicians, scare the public by using the term "socialized" medicine. Well, socialized medicine works in every other "first-world" industrialized country where health care is provided and considered to be a right. And make no mistake, socialism is alive and well in America. It is socialism that just bailed out all the geniuses up on Wall St. And the dumb American public let our politicians get away with it. If you want to send a message, if you want real change, and if you want real health care, vote for Ralph Nader.

 

I am perfectly seriouse. As long as we have this idiotic system of employers supplying health insurance the small co owner can never play on the same field as the big boys. One of the reasons we lost our trucks is because we could ot get the 'good" drivers because they needed health insurance and we couldn't afford to supply it. We could only get the guys who couldn't get a job liek that for a "reason" whatever it maybe.
Gettign rid of this system would also inspire such a boom in entreprneurship you wouldn't believe it. How many people in this country do you think work a job instead of trying to better there life becuse they NEED insurance?

 

Do what YOU guys want to on insurance but you better think it out well.I've almost always worked for myself or an 0/0 and hardly ever had insurance.Up till coming on 2 years ago I could kick the nads off of a charging grizzly bear while I ate a burrito,talked on the phone and smoked a cigarette while I shifted a 5x4 tranny.Now I've been down for a bit and I'll tell you the REAL truth...It'll get in your pocket fast and if you don't have insurance, all you'll ever get to see is the Dr's P.A. ,who doesn't know their ### from a hole in the ground.I think had I had insurance I'd have been fixed up by now and there's no way to convince me otherwise.

 

You must not have kids, because if you did you would realize how often those little boogers have to go to the doctor! I don't have health insurance, and I wish I did.

speaking of that does anyone know a good health insurance for o/o's?

 

Easy on slinging the slobber there buddy.I'm NOT facing IF it happens anymore as it IS happening now.$135,000 is chump change for any major medical services these days and as you get older these IFS you keep drooling about turn into WHENS.WHEN you get cancer,WHEN you have a gall bladder attack,WHEN you tear your back up or twist your knee,WHEN you need surgery and on and on.For someone who likes to believe in facts and figures ,maybe you ought to start figuring ODDS of when.You'd be money ahead THEN.I hate ins. companies as much as the next person but trust me,I know WHEN I'm beat.

 

The problem is the dumb American public (and we're uninformed because that's the way corporate America wants us to remain) does NOT demand real change or accountability from our elected leaders. There are 280 million people in America, and we only have two "serious" political parties. Why? Because "they" don't want things to change. Our electoral system has been set up and regulated by the Republican and Democratic parties. They have made it virtually impossible for another party to seriously compete.
Please think about the following: Companies in America usually succeed if they deliver better goods or services. Not in the health care industry. The so-called health care providers and insurance industry succeed, when care and medicines are denied.

 

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speaking of that does anyone know a good health insurance for o/o's?


I have mine through Humana. I think you can look up a quote online at humana.com It is reasonable, I have the high deductible ($5150) plan with a Health savings account attached. Only way to go in our case, we are pretty healthy. It does pay for annual physcials once a year 100%, other than that it doesnt pay anything until we meet the deductible then pays 100% the rest of the year.

Great thing is I can and do put $5150 each year into my HSA account and it is 100% tax deductible. Last year we only spent $800 so i still have $4350 in there and i can put another $5150 in this year 100% tax deductible.. You can do this on a yearly basis and build it as high as you want. I love this setup, instead of paying extremly high premiums and not using the insurance. I pay a lot smaller premium and the money in my HSA account is mine if I dont use it. If we go in for a $100,000 bill, I pay $5150 out of my HSA and the insurance pays the rest 100%. Also you can open the HSA account at your local bank, it doesnt have to be with the insurance company.

Hope this helps.