Post # 1
Does anyone buy their own health insurance, not through a job? What company do you use and how much does it cost? DH and I are TTC and if I get pregnant it doesn’t make sense for me to work and pay for daycare. But DH is self employed and pays for his own health insurance while I have it through my job. It is going to be crazy expensive to buy on our own. Any thoughts?
Post # 3
I’m considered an independent contractor through my work, so I pay my own (individual) health insurance. I have BCBS and it’s $245 a month. Killllllls me to pay it, especially since the 3 medications I’m on are not covered under it. Ugh. But of course, if anything ever happened, blah blah blah. FI is in the same boat, but because he’s not on any medication and rarely ever ever gets sick he got the lowest plan with no prescription coverage and his is about $160 I think through Neighborhood Health.
I’ve looked into a plan for +spouse once we’re married, and it’s up there in the $550s. I’m just crossing my fingers that FI gets one of the jobs he’s up for that includes health insurance before we have to resort to that. Good luck!
ETA: We’re in Massachusetts.
Post # 4
@MrsMaine: I am looking at family plans and they have some that are a decent monthly rate but have a $10,000 annual deductible. WHAT?? That is absurd. Goodness gracious!
Post # 5
I have health insurance through my job but growing up I never did. My parents own their own small business so they had to buy their own individual insurance policies for themselves and our family.
They used (and still do use) BCBS and I think for the two of them and my brother and sister (who are 21 and 19 and still on their policy) they pay between $800 and $900 a month. For high deductibles (although not quite $10,000) and multiple of my brother’s and dad’s meds not covered.
Individual policies suck.