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"The Insurance matter."

We do get employer group health insurance. Costs a lot though - probably more than obamacare.

OK, I was wrong - You're not covered under a plan provided by the Fed that is comparable to coverage provided military personnel and congress persons who enact laws for the rest of us. Group Health Insurance premiums, generally, depend upon the average age and average health of participants in the group - If you're young and healthy, and the average age is higher and average health is poorer, you can often do better with an Individual policy, unless your employer is funding a substantial part of the premium. What do you consider "Costs a lot?"

"Obamacare" under the ACA isn't particularly cheap, either, unless you qualify for taxpayer help with premiums and out-of-pocket benefit costs, which involves a ton of paperwork, audits and pulling funds from Income Tax refunds if actual income exceeds projected - It's a paperwork nightmare. I don't have the time to help participants with the paperwork involved - I could make more stocking shelves at WalMart than from commissions paid for policies placed through the Health Insurance Marketplace. If someone wants to deal with that I refer them to the Marketplace, and will not/cannot afford to help them with the paperwork involved. If they want an ACA qualified plan outside of the Health Insurance Marketplace I can and will do that, as I can afford to w/o being encumbered with an avalanche of paperwork. One of the things that I do like about the ACA is guaranteed insurability.
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