lensman

Tuesday I went to yoga. Wednesday I went to the "open knit" at the yarn store in town & started a new cross stitch(*). Thursday I did NOT go to free yoga at the library, because it was insanely nice out, so Mr Diane and I went hiking. Today I had a Zoom call with an old work friend.

Next week things in the big world will slow down due to the holiday. Next Friday we're having some friends over for Boxing Day, so there will be a great deal of snack prep and the concomitant cleaning-up.

I suspect my "doing nothing" is not the same as everyone else's "doing nothing", but why be normal?

(*) This is my "out and about" cross stitch project. It involves only whole stitches, is very high contrast, and as such does not require a ton of brainpower or super-good light. Most of all, it does not have any "difficult bits" so the odds that I will actually finish it are extremely high.

I'm doing the Autumn installment of an art nouveau set from about 2003. Unfortunately it was originally designed using Anchor threads and the DMC conversion is not very good. Two of the shades of yellow are basically identical, so I've been working on a substitution and may yet redo Spring. If I start redoing things I have a similar complaint about 2 of the shades of green in Summer... and should probably also use higher-quality fabric (I'm using a piece of Charles Craft aida which is shockingly badly off-grain).

Come to think of it I did also buy some stuff at the quilt shop on Wednesday (Q-snap extenders and a skein of DMC 973 which turns out the be ENTIRELY unsuited for the hoped-for purpose). I also tried but failed to score a smaller embroidery hoop (haven't seen my 8" q-snaps WHICH ARE PERFECT FOR THIS PROJECT since I moved). So the new project is living in an 11" q-snap square for the moment which is not ideal.

siderea

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siderea

Canonical link: https://siderea.dreamwidth.org/1891517.html

This is part of Understanding Health Insurance

Introduction
A Health Plan is a Contract
The Three-Stage Model ⇐ You are here

The Three-Stage Model

When you have health insurance, you have a contract (health plan) with the insurance company that says that for the duration (the plan year) of the contract, you will pay them the agreed upon monthly fee every month (the premium), in exchange for them paying for your health care... some.

How much is "some"? Well, that depends.

To understand what it depends on, you have to understand the three-stage model that health plans are organized around.

This three-stage model is never described as such. It is implicit in the standard terms (jargon) of the health insurance industry, and it is never made explicit. There is no industry term (jargon) for the model itself. There are no terms (jargon) for the three stages. But health insurance becomes vastly easier to understand if you think about it in terms of the three-stage model that is hiding in just about every health plan's terms (agreements).

( Read more: 12,170 (sic!) riveting words about health insurance in the US] )

This post brought to you by the 221 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.

Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!

dianec42

I made it! I'm retired!!

WE WON AT CAPITALISM! (Hat-tip to

rmd for that wonderful turn of phrase.

Current Mood: jubilant

siderea

So, I, uh, got my RSI/ergonomics debugged!* I then promptly lost two days to bad sleep due to another new mechanical failure of the balky meat mecha and also a medical appointment in re two previous malfunctions. But I seem back in business now. The new keyboard is great.

Patrons, I've got three Siderea Posts out so far this month and it's only the 12th. I have two more Posts I am hoping to get out in the next three days. Also about health insurance. We'll see if it actually happens, but it's not impossible. I have written a lot of words. (I really like my new keyboard.)

Anyways, if you weren't planning on sponsoring five posts (or – who knows? – even more) this month, adjust your pledge limits accordingly.

* It was my bra strap. It was doing something funky to how my shoulder blade moved or something. It is both surprising to me that so little pressure made so much ergonomic difference, and not surprising because previously an even lighter pressure on my kneecap from wearing long underwear made my knee malfunction spectacularly. Apparently this is how my body mechanics just are.

siderea

Canonical link: https://siderea.dreamwidth.org/1890494.html

0.

Hey Americans (and other people stuck in the American healthcare system)! Shopping for a health plan on your state marketplace? Boy, do I have some information for you that you should have and probably don't. There's been an important legal change affecting your choices that has gotten almost no press.

Effective with plan year 2026 all bronze level and catastrophic plans are statutorily now HDHPs and thus HSA compatible. You may get and self-fund an HSA if you have any bronze or catastrophic plan, as well as any plan of any level designated a HDHP.

2025 Dec 9: IRS.gov: "Treasury, IRS provide guidance on new tax benefits for health savings account participants under the One, Big, Beautiful Bill"

Bronze and Catastrophic Plans Treated as HDHPs: As of Jan. 1, 2026, bronze and catastrophic plans available through an Exchange are considered HSA-compatible, regardless of whether the plans satisfy the general definition of an HDHP. This expands the ability of people enrolled in these plans to contribute to HSAs, which they generally have not been able to do in the past. Notice 2026-05 clarifies that bronze and catastrophic plans do not have to be purchased through an Exchange to qualify for the new relief.

If you are shopping plans right now (or thought you were done), you should probably be aware of this. Especially if you are planning on getting a bronze plan, a catastrophic plan, or any plan with the acronym "HSA" in the name or otherwise designated "HSA compatible".

The Trump administration doing this is tacit admission that all bronze plans have become such bad deals that they're the economic equivalent of what used to be considered a HDHP back when that concept was invented, and so should come with legal permission to protect yourself from them with an HSA.

Effective immediately, you should consider a bronze plan half an insurance plan.

( Read more [3,340 words] )

This post brought to you by the 221 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.

Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!

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Reading

Week 1 of doing nothing

"Chris did get out..." [in memoriam]

Understanding Health Insurance: The Three-Stage Model [healthcare, US, Patreon]

The Three-Stage Model

Freedom !!!

Update [me, health, Patreon]

Choosing Health Insurance: HSAs: FYI re bronze, catastrophic plans [healthcare, US, Patreon]

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June 2012

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