ABOUT A YEAR AGO, I penned a post expressing my outrage at the ever-rising cost of health insurance.
I expected those costs to stabilize. I was wrong. So here I am, writing and agonizing again about insurance rates that are through the roof nearly unaffordable for my husband and me.
Beginning on January 1, our monthly premiums will total $1,746, of which we will pay $1,310. Add in $3,700 deductibles for each of us and you can see the financial ridiculousness of this plan. Before we can benefit from this health insurance offered through Randy’s employer, we will spend thousands and thousands of dollars. Like $14,176 for me and $8,944 for Randy since his employer pays half ($437/month) of his premium.
We are not wealthy. Nor are we poor. We are lower middle income. I am self-employed. Randy has worked the same job for more than 30 years. His benefits are minimal.
This year we both turned sixty, bumping us up on January 1, 2017, into a newer and higher premium bracket. Lucky us.
In 2016, our health insurance premiums were $723/month each for policies with a $3,500 per person deductible. In the new year, we will pay $225 more a month (nearly a 21 percent increase) with $3,700 deductibles.
This cannot continue. The cost of health insurance premiums threatens our financial stability. Paying $15,720 a year in premiums is crazy and unaffordable. We are careful with our money. Thankfully, years ago we paid off the mortgage on our modest home. We don’t take big vacations. We seldom dine out. We don’t own new vehicles. We limit our spending. But we have to eat and pay other basic cost of living bills.
Something has to give. I wish I had the answer. Of one thing I am certain. I am sick and tired of health insurance costs that have skyrocketed. It’s to the point where we can’t afford to get sick or to seek medical treatment. We can’t save money for retirement. The cost of health insurance and healthcare is my greatest financial worry.
I know many others are in the same predicament. The Minnesota legislature intends to call a special session addressing the crisis, specifically for those buying individual plans. Up until a year ago, I had an individual plan, too. What am I missing here? I was advised that we cannot apply for coverage through the state run marketplace, MNsure, (thus qualifying for a subsidy) because we have insurance available through an (my husband’s) employer.
TELL ME: How about you? Are you in the same situation as us? Do you have a solution to this crisis?
© Copyright 2016 Audrey Kletscher Helbling
















































Voting for a scarecrow November 1, 2016
Tags: 100 Ladies & Gentlemen Craft Sale, elections, humor, Kenyon, Minnesota, opinion, political commentary, politics, Scarecrow Contest, scarecrows, voting
WITCH (sic) ONE SHOULD I choose?
Is this one It? Looks like a shady character hiding behind that signature hair style.
This scarecrow stands out in the field. Just look at that perfect, practiced smile and that perfectly pressed plaid.
The artistry here is certainly something to crow about.
I’m struggling to wrap my head around the choices.
Is this unique scarecrow raking in the votes? If only there were exit polls.
I like this scarecrow entourage. But those signs bother me. BEWARE. Of what? And No crows. What’s wrong with crows? Yeah, I know they’re not robins…
On the surface, I thought, how clever to post a campaign sign. But then I reread the words. Turning Green with Envy Needs Money popped out at me. You can’t sway my vote with sympathy, excess advertising, confusing rhetoric or via deflection.
I hope the candidates will accept the outcome, respecting the democratic process that veils our votes in secrecy. No rigged polls here.
There are so many choices. But really, these are just scarecrows. I shouldn’t take this election so seriously. There’s a more important election on November 8.
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FYI: These scarecrows are part of a Scarecrow Contest at the 100 Ladies and Gentlemen Craft Sale. That sale, located at 45986 Highway 56 just off Minnesota Highway 60 in Kenyon, continues from 10 a.m. – 8 p.m. November 3 -6 and November 10 -13. All items are handcrafted.
Disclaimer: There’s nothing political about the craft sale. It’s just that–a craft sale.
© Copyright 2016 Audrey Kletscher Helbling