Well, I finally did it. Got DH on a non-Obamacare plan. It's a 4 month short term plan, that can be renewed. It starts effective 11/1. While the tax penalty is still in effect for 2018, it is not penalized if you had coverage for at least 10 months, so that is why I waited to start 11/1. I've been paying $560 a month for a bronze piece of crap plan. The 2019 rates are not out yet, but according to an article I read, this company had requested a 10% premium increase for 2019, so I'd most likely be looking at around $615/mo for next year. Just cannot do it anymore. The new plan is $181/mo. Compared to what I'd most likely have been paying in 2019, that's over $5000 savings for the year. If nothing else, I could stick that $5000 in a savings every year, just for health expenses. Maybe once the house is done and our monthly expenses are back to normal (and I know exactly what they are), I can start doing that, or at least put some of it in savings account for that.
That has been the one thing I am so disappointed with since Trump got elected and the republicans have both house and senate. They didn't do what they promised, to do away with Obamacare and costs just keep skyrocketing. But, at least the door got opened a crack, for these short term plans to start getting offered and the tax penalty done away with. I'm betting that with the tax penalty going away a lot more people are going to start opting for these cheaper plans.
Speaking of health insurance.....here is something I just do not get. A friend on Facebook recently shared a link to a go fund me page for a woman in her community. I can't remember now what was wrong with her medically, but the gist of why she needs money is she is a hardworking, single mother of 6, who doesn't have health insurance. How in the world doesn't she have health insurance?! Wasn't that the whole point of Obamacare - so those who couldn't afford it would be able to get free (or very subsidized) healthcare? Unless she makes a ton of money (I didn't get that impression) I would think that someone with 6 dependents would qualify for free healthcare? Why does she not have it? I'm required by law to have it (AND PAY FOR IT through the nose!!), but someone who can get it for free doesn't have it? Just stupid.
Small town life: I needed to update our mailing address for our property taxes and also our car vehicle registrations/titles. I just emailed our county records clerk to ask how I do it. She said she'll take care of it, no trip in to the county office needed. She's also the wife of the guy that did most of our excavating work, haha.
So, the roofer who did our shop roof stopped by yesterday. He's the guy our contractor uses most often, but he also said he has gone into "gouge mode" just like all the subs, so he's been having to find other roofers to stay in budget on his jobs. The guy now wants $300 "a sheet". Our contractor says that's ridiculous. A roofer can do 3 sheets an hour.....so he's making $600 an hour!! WTH?!! Then framer and contractor say "well, it costs whatever it costs". DH was like No! it's going to cost what you put in for the cost when you gave us (and the bank) the cost breakdown for this job!
The contractors HVAC guy was supposed to come yesterday to make sure the contractor's number is right (it's not, we already know that) and so we can compare with another bid we got ourselves from a different HVAC company. He never showed up, of course.
Hey! I finally found DH's missing password list. When we were packing to move (now I remember) he handed me a bunch of slips of paper with names and phone numbers and business cards, as well as his password list all folded up and told me to hold on to them. I put it all in a big envelope and forgot that I had it or what was in it. Came across it yesterday, as I was looking for something else.