So, in the latest installment of "Why does the entire universe keep trying to get me to dig myself deeper into a financial hole?", it turns out the organization I work for is transferring us all over ASAP to a new health insurance plan. Which not only appears to be ridiculously complicated -- I've been staring at the explanations they've got up on the web for some time now and am still not sure how the whole thing works or exactly what it requires me to do -- but also features hefty deductibles and an out-of-pocket maximum that's fully double the one on the existing plan. (Which amount, as things stand right now, could wipe out my savings quite handily in one worst-case-scenario year.) At least the premiums are lower, and you can put the difference in an account towards your expenses... or something. But I'm pretty sure I'm going to come out the financial loser on this one, not to mention the fact that having to do complicated financial planning always makes me kind of flaily.
And all this, of course, just as I'm hitting a point -- hello, middle age! -- where I'm already starting to feel the pinch of increasing medical expenses for increasing medical needs. Not to mention that my struggles to save more money and/or pay off my credit care debt continue to be in vain, as every time I start making some headway, I'm hit with, say, the urgent necessity to make my house stop leaking, or a $500 vet bill for a fruitless attempt to save a dying cat.
Mind you, I'm well aware that I'm still much better off than a lot of people. But it doesn't stop me from just wishing I could catch a break for once.
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Sorry to hear about your new health insurance. Well actually you are right that you are better off than many people. One thing that might help is cutting back on your costs, car insurance, shopping smart etc etc Check out the article on Insurance and credit cards on www.moneySaverNews.com
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