Post # 1
So I was just researching healthcare plans for 2015 as the one we have now to the Marketplace will no longer be available. Since the new Marketplace was established last year our health insurance costs jumped from around $482/ month for a family of 5 to $900/month! And I hear they are going up again this year.. Has anyone else experienced such a dramatic increase in cost? Granted we did purchase a good policy with a zero deductible so if anything catastrophic were to happen we would be covered. Do you get your insurance through your employer or like ours did they jump their cost to a rate that was unreasonably high for the coverage they offered ? For reference we are in the Southwest.
Post # 2
majorairhead: I’m in California, and I get my health insurance theough my employer. I am contributing 25% more this year than last ($100 compared to $80).
Post # 3
I live in the northeast and fortunately most of my insurance costs are covered through work. Currently I pay $280/month for family coverage. If they didn’t cover any of the cost, it would be around $1600 a month for my plan. We haven’t gotten our rate increases for next year yet.
Post # 4
majorairhead: that actually sounds pretty reasonable to me for a family of 5 with zeros deductible and, non-employer sponsored. For reference, i have a good plan that is employer sponsored, has a $2500 deductible, and I still pay close to $200/month as an individual. If you would like to lower your premiums, why dont you choose a plan with comparable coverage, but that has a deductible? That way if you don’t “use” it, you will save some money.
Post # 5
WestCoastV: we still have copays and 10% coinsurence. We have the lower deductable cuz I have Hashimotos and require freqhent bloodwork / meds and my son has need of frewuent monitering as well. We are debating this year. It feels like gambling… as soon as u decide to pay less monthly for higher deductable someone may need surgety or something (happened to my friend- went for the cheaper plan then her DH had a heart attach. It really hurt them financislly). So scary…
Post # 6
Stephanie8904: wow that is great- your employer really takes care of their people!
Post # 7
My husband and I are stuck with a high deductible plan (3000 per person) because it’s the only one he can get through his job. Luckily we’re both fairly healthy and care comes at a discounted rate anyway. (ie. An in-network office that would charge 100$ for a visit would only charge $50).
In the event of something catastrophic that is not covered for whatever reason, medical bills can always be haggled with the payment department, or you could keep deferring them to your insurance company and let them go back and forth about it, keep appealing it, etc.