Fright duly induced

The very last thing I wanted to see this week — other than an inch of ice over everything, of course — was a letter from CFI Care (not its real initials), because it could only be one of one thing: “Your insurance is canceled, sucker! Good luck on the exchange.”

Well, that’s not what it was — it was the usual privacy, or lack thereof, policy statement — but my hands would have been shaking were they not already frozen in the process of wrangling the trash bin to the curb. (Memo for record: Thicker gloves, maybe?)


  1. Brian J. »

    24 December 2013 · 2:57 pm

    Mine today said, “As we said in another mailing, your policy may have been grandfathered.” Considering that they keep sending me monthly bills, I keep thinking it might have.

    But, yeah, I’m thrilled with a little dark anticipation whenever I get an unexpected communication from my insurer these days, too.

  2. Tatyana »

    24 December 2013 · 3:40 pm

    Well, I have no such worries because I have no insurance at all.
    Just shelled out ~$500 for an annual checkup visit (w/bloodwork) – totally useless, even as a “peace of mind”.
    I shut off my thoughts when they are trying to run into the “longterm overview” direction.

  3. CGHill »

    24 December 2013 · 5:11 pm

    I think there have been five years in the past twenty when the actual expenditures after deductibles and whatnot actually exceeded the annual premium.

  4. Tatyana »

    24 December 2013 · 8:17 pm

    So, if you count wasted money…

  5. CGHill »

    24 December 2013 · 8:21 pm

    Health insurance is basically your bet that you’ll get sick. It does not always pay off.

  6. McGehee »

    24 December 2013 · 9:13 pm

    Tat, I hope you’re adjusting your withholding so the IRS won’t be holding any money of yours to assess the penalty tax for not having insurance.

  7. Tatyana »

    25 December 2013 · 6:28 am

    Penalty tax is what, a $100? It’s still less than $3,600 just for privilege to [maybe, if needs arise] to use insurance]
    What is it that I’m supposed to “adjust”? I am not drawing income from some account, there is nothing for me “adjust”

  8. backwoods conservative »

    25 December 2013 · 7:15 pm

    Tatyana, Rush Limbaugh (and maybe a few others) pointed out that the only way they can enforce payment of the penalty ($95 or 1% of your taxable income, whichever is greater) is to withhold it from your income tax refund. If you have withholdings set up so that you’re not getting a refund, the government has none of your money in their hands to collect the penalty from.

  9. Tatyana »

    25 December 2013 · 8:59 pm

    BC: government has my rebate for this year and they are not intending to give it to me, anyway – and Obamacare didn;t even get into effect yet.

  10. Tatyana »

    25 December 2013 · 9:01 pm

    And btw – if you set up your taxes the way you don’t owe them anything – you’ll be hit with a fine; or did you think you can trick the devil?

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