.

[Mr Janny]

$350 per month for our family plan through my work. My wife's work incentivizes employees who don't use their insurance, and so we don't pay any co-pays for office visits. $1700 deductible. $3000 out of pocket max per year.

 

[Sparkplug]

Our insurance made Doctors on Demand a zero co-pay. It’s great for that case of poison ivy, sinus infection etc. My co-pay is $35 if I make an appointment at a clinic and $75 at an urgent care

 

[CycloneErik]

That's kind of where I'm at. Tiny employer (3 employees) that doesn't offer coverage and I don't make bad money by any means. Even with subsidies coverage is $550 per month for just me for a $12k out of pocket max. I'm bankrupt either way so I am not throwing money away at premiums.

I'm a single dad, daughter is on HAWK-I, which is an awesome program.

Yeah, we're practically committed to the "Go Fund Me" route, which won't actually be a viable option.

 

[cowgirl836]

We show our employees annually the cost of insurance at renewal time.

Same. They break it down by pay period though. So if I pay $75 per paycheck for my salary range, they'll show that the company is paying $125 or whatever it is.

 

[cowgirl836]

Yeah, we're practically committed to the "Go Fund Me" route, which won't actually be a viable option.

It's disgraceful that this is the situation for so many. Getting a bit out of OP's territory but I know I'd be willing to trade an increase in taxes for my premiums, co-pays, deductibles, employer paid portion for the freedom to change jobs/start my own business/go part-time without worrying how it could financially devastate my family. Or just worry that I couldn't even afford the coverage I had and operate on a "pray I don't get sick" system.

Some of the amounts people are paying in here are just not sustainable.

Our priorities are so messed up.

 

[ArgentCy]

My brother's a high level financial analyst for a large health insurance company and he said most of the data provided that people are basing their percentages on in this thread(paychecks, benefits statements, etc.)are a bunch of crap and not reflective of what the company is actually paying, so unless you're a higher up directly involved in overseeing your company's health insurance plan, you can take the numbers you're seeing with a grain of salt. Kind of like MSRP prices on things you buy.

Yes, I've strongly suspected that is the case. They are playing games to get the largest deductions but there is no way they are shelling out the full price. Especially for companies that self-insure or just buy some sort of reinsurance product. The self insured who have to pay full price are the suckers, just how the big companies want it.

 

[michaelrr1]

Good grief, I can't believe some of the amounts listed in this thread. Mine would be $87 a month, but after meeting company health incentives, I pay $32 a month.

 

[ManBearClone]

It's disgraceful that this is the situation for so many. Getting a bit out of OP's territory but I know I'd be willing to trade an increase in taxes for my premiums, co-pays, deductibles, employer paid portion for the freedom to change jobs/start my own business/go part-time without worrying how it could financially devastate my family. Or just worry that I couldn't even afford the coverage I had and operate on a "pray I don't get sick" system.

Some of the amounts people are paying in here are just not sustainable.

Our priorities are so messed up.

I can't even imagine having to deal with multiple insurance plans. With just one I get tons of "This is not a bill" mailings as well as actual bills which don't seem to keep up in real time. In general their websites are just as convoluted.

I don't know why we do this to ourselves. We should be striving to make life easier. Technology should be making our lives easier.

 

[SoapyCy]

Good grief, I can't believe some of the amounts listed in this thread. Mine would be $87 a month, but after meeting company health incentives, I pay $32 a month.

I have no idea how some people can get it so cheaply while others pay over $1,000/month.

 

[IcSyU]

My brother's a high level financial analyst for a large health insurance company and he said most of the data provided that people are basing their percentages on in this thread(paychecks, benefits statements, etc.)are a bunch of crap and not reflective of what the company is actually paying, so unless you're a higher up directly involved in overseeing your company's health insurance plan, you can take the numbers you're seeing with a grain of salt. Kind of like MSRP prices on things you buy.

Without being able to see benefits comparing numbers is wasting time.

 

[cowgirl836]

I can't even imagine having to deal with multiple insurance plans. With just one I get tons of "This is not a bill" mailings as well as actual bills which don't seem to keep up in real time. In general their websites are just as convoluted.

I don't know why we do this to ourselves. We should be striving to make life easier. Technology should be making our lives easier.

Plus the absolute **** show it is to try and correct THEIR billing mistakes. I spent six months and too many hours to correct a $1200 billing error last year. It was denied twice until they realized they were repeatedly ******* it up and it should have been covered 100%

 

[Iastfan112]

Individual Plan: $98 monthly premium. $600 deductible with a $6,600 out of pocket max.

Family version of my plan would be: $250 monthly premium, $1200 deductible, $13,200 OOP max.

Doctors visits are just a $30 dollar co-pay(in network), no deductible need be met.

 

[ManBearClone]

Plus the absolute **** show it is to try and correct THEIR billing mistakes. I spent six months and too many hours to correct a $1200 billing error last year. It was denied twice until they realized they were repeatedly ******* it up and it should have been covered 100%

Nice. I had to get therapy on my shoulder at McFarland. I was using their bill pay site to pay the bills. I noticed I kept getting the same Payment due amount every month. Turns out it wasn't updating and I over payed. Went in to get it taken care of and they wrote me a check. I said can't you send it back to my HSA. Nope they don't run the site. Went to the website and everything in help pointed back to McFarland. Technically I should send it back for tax purposes but the process sucks. Not that much so I'm just going to cash it. Probably throw a red flag to the IRS. Oh well. The HSA site isn't much better about what's been paid and what hasn't. Ridiculous.

BTW I'm starting to think HSA's are just another way of hiding the true cost of health care from people.

 

[clone34]

For the people that only pay under a hundred or so be happy and thank your employers. Some people are saying they can't believe and are baffled at what everyone else is paying. Where have you been. This has been a huge topic for multiple years. Most insurance has gone up 6x8 times from just 6 years ago. Health insurance is now about the same as a Mortgage. Someone has to pay for it. It is truly a mess. We are constantly looking for cheaper plans. It is a Real burden on the pocketbook. We Used to be able to save up quite a bit of money for retirement. Not so much anymore.

 

[jsb]

I have no idea how some people can get it so cheaply while others pay over $1,000/month.

One thing to note with your wife who teaches. Some schools offer better base pay with crappy insurance and some offer crappy salary with great benefits. Does your wife teach at a school with higher salaries than other districts?

 

[Agkistrodon]

For myself, I pay $70-something (don't recall the exact amount) out of my gross income every pay period (biweekly). No deductible for in-network healthcare providers. $30 to $40 copay in-network depending upon the reason for my visit.

edit: just checked again - copay can be up to $200 for surgery.

 

[SoapyCy]

For the people that only pay under a hundred or so be happy and thank your employers. Some people are saying they can't believe and are baffled at what everyone else is paying. Where have you been. This has been a huge topic for multiple years. Most insurance has gone up 6x8 times from just 6 years ago. Health insurance is now about the same as a Mortgage. Someone has to pay for it. It is truly a mess. We are constantly looking for cheaper plans. It is a Real burden on the pocketbook. We Used to be able to save up quite a bit of money for retirement. Not so much anymore.

The problem is you can choose car or house insurance but you can't choose health insurance. You get whatever your company offers.

Breaking my own rule from the OP, I'm for single payer because it's simply not fair that some pay $50 and others pay $1500 and they have no ability to shop around. It would be so much better for everyone to lump people together to lower costs.

 

[SEIOWA CLONE]

When I took a new teaching job in SE Iowa in 1990, the insurance the district offered was full family and cost around $450 a month. When I left in 2010, it had risen to $1200 a month for full family. The district paid all of it, but the union also gave up yearly raises for that insurance. I know my salary did not go up roughly 3x like insurance did.

Currently I pay about $100 a month for BCBS insurance, my wife's insurance also through BCBS is covered by her employer and she pays about $120 a month for our handicapped daughter that has CP and lives at home with us.

I would really like to retire in 4 years, but with the price of paying for insurance I am starting to rethink the idea. I had high hopes that ACA would led to a single payer plan, but now I truly believe that there is just too much money to be made off the public to ever allow the conservative right to give us that path.

 

[tyler24]

Fun fact for those of you having kids. If your child is born and weighs under the healthy weight for their gestation, the child is deemed to have a disability and can get Medicaid. This will cover their hospital costs.

 

[MeowingCows]

Good grief, I can't believe some of the amounts listed in this thread. Mine would be $87 a month, but after meeting company health incentives, I pay $32 a month.

That's something I forgot about -- my company has health incentives, too. Knocks $20-30/mo off. I hope that system catches on everywhere.