1. Went to healthcare.gov. Referred to Maryland exchange.
2. Went to maryland exchange at http://www.marylandhealthconnection.gov.
3. Filed an application and put in 0 for my income and was forced to a medicaid page. I thought, “woops, I will be making money at some point this year (although my first paycheck is just shy of 45 days away… paychecks after are pending on if they want to keep me employed on this contract).
4. Deleted this application and started over.
5. Put in my appropriate income that I was expecting this year (provided I would still be employed on this contract).
6. Website crashed.
7. Called the customer service for the maryland exchange.
8. Phone number busy 5 times in one hour.
9. Finally got through to a person. Went through submitting the application on the phone.
10. Got down to the plan selection point where I was sent to www.healthsherpa.com (God knows what this site is or where it is from).
11. Put in my estimated income, age, and told them I was a smoker.
12. The cheapest plan listed was $143 a month with a $6000 deductible with no vision, dental, or prescription drug coverage. All the plans up to $300 a month were managed by Blue Cross in Maryland (I’ve worked for Blue Cross in PA and hated them. Do not want to insure through them at all).
13. In order to get a deductible less than $5000 I had to pay the upside of 300 a month with no vision, dental, or prescription coverage.

After some calculating, I found it was cheaper to pay the 1% of my annual income fine and go uninsured. With a deductible of 5-6000, you might as well be uninsured. I couldn’t afford the deductible much less a full uninsured hospital bill. Both the $6000 and the uninsured hospital bill would bankrupt me.

So I ask: WHAT IS THE POINT OF HEALTH INSURANCE IF YOU CANT AFFORD IT? I cant afford to be insured. I cant afford to be uninsured.

SOLUTION: FUCK AMERICA! FUCK OBAMACARE! PAY THE FINE! IT’S CHEAPER!

Once again… America fucks me!

Read this article. Apparently I’m not the only one. Basically, if uninsured health care is not affordable, and health insurance is not affordable, then obamacare and health insurance providers are unacceptable.

http://www.theguardian.com/commentisfree/2013/dec/20/affordable-care-act-healthcare-not-affordable

Might as well be a criminal…