(Closed) Health Insurance Premiums (in the U.S.)

posted 6 years ago in Money
Post # 3
Member
3968 posts
Honey bee
  • Wedding: September 2014

@DaneLady:  Luckily I am still on my parents until I am 26, but that sounds awfully expensive to me, especially if you are reasonably healthy!

Post # 4
Member
1414 posts
Bumble bee
  • Wedding: June 2012

I pay about $200 per month.

Covers all preventatives and check ups.

Post # 5
Member
2401 posts
Buzzing bee
  • Wedding: September 2013

Mine, through works, costs me $48/month + $12 (vision) + $20 (dental) = $80. My deductible is $500 and my copays are about $25 each.

Mine covers basically everything from psychatric, hopsitial visits, preventative care, etc. It even has maternity and disability in it.

Post # 6
Member
2920 posts
Sugar bee
  • Wedding: March 1996

Ours is somewhat (but not a lot) less than that for three people, but it doesn’t cover anything until we’ve met a yearly deductible of $4000.

Post # 7
Hostess
16213 posts
Honey Beekeeper

@DaneLady:  Holy cow. Is that the cost to you?! Does your company cover any of that?

My company covers the first $1,000 of premiums a month. Luckily, my husband and I squeak by *just* under that mark. Co-pays for check-ups and prescriptions aren’t bad, but our emergency room co-pay is several hundred dollars.

Post # 8
Member
3943 posts
Honey bee

@DaneLady:  That seems awfully high. My comapny pays 80%, the employees pay 20%. It covers preventative care, check ups, etc. There is a $1000 deductible.

Post # 9
Member
2065 posts
Buzzing bee
  • Wedding: December 2011

I added my husband to my insurance plan at work. It’s $165 per paycheck for both of us since the company pays half. A family would be $267 per check.

It has a $3000 deductible per person, but after that it covers 100%. We have office visit/specialist/ER copays as well as prescription copays, but of course that doesn’t count towards the deductible. Dental is separate plan and the company doesn’t offer vision.

Post # 10
Member
3374 posts
Sugar bee
  • Wedding: October 2011

We pay 1/3, work pays 2/3rds of the premium.

We each pay $42 a payperiod for health insurance and $12 a payperiod for dental (we pay 100% of dental insurance, crummy work gives nothing!).

So about $2800 a year for Darling Husband and I. My premiums went up a lot when Obama passed Obamacare.

Post # 11
Member
5977 posts
Bee Keeper

@DaneLady:  Holy crap that’s an expensive plan! I actually do this for a living at my company, and it’s been a long time since I’ve heard of that expensive of a plan. Do you work for a small company? That’s almost 100% of the cost here.

Both Darling Husband and I have fantastic plans, but his is slightly cheaper. He pays about $100/month for the two of us on his plan, and we have an annual deductible of $250 in-network. Preventive care for companies have to be 100% covered due to recent health care reform laws…so any company sponsored plan will cover preventive care at 100%.

Post # 13
Member
3691 posts
Sugar bee
  • Wedding: December 2011

If I were you, I’d look into an individual policy through one of the major providers.  You may find that you can get the type of plan you’re looking for cheaper than going through your employer.  

All of them have features on their websites for getting quotes.  Start with Blue Cross, Golden Rule (which is United Healthcare), and Humana.

 

Post # 14
Member
3968 posts
Honey bee
  • Wedding: September 2014

@DaneLady:  Assuming you and Fiance are reasonably healthy, I would enroll in a plan that has lower premiums, but perhaps has slightly higher co-pays. For instance, I don’t have to see a specialist very often, maybe once or twice a year for an issue. It doesnt make sense that I pay hundreds more every month for a lower copay on a service I rarely need. I’d rather pay double the copay those two times, than every month. Does that make sense? It is really awesome when “everything’s covered” but if the probability that you will need some of those services is nil, then it might not be worth it.

Post # 15
Member
3265 posts
Sugar bee
  • Wedding: February 2014

Wow. I pay nothing for my health insurance through work, but once we get married I’ll be paying an extra $100/mo for him. We do have copays, but they’re still low. $25 for regular doctors visits, I think $75 to go to the ER, and we have a $1500/person deductible. I work for an itty bitty company. We have 4 office employees, but 12 total employees in the company.

Post # 16
Member
2281 posts
Buzzing bee
  • Wedding: June 2012

Mine is $149. 19/month for insurance including vision, and another $36/month for dental. My college pays the other half of each. I have a $1500 deductible, and $25 copays. I teach at a small school, which recently created a consortium with other small private schools in VA  so they could all go in on the same insurance – bigger numbers means better negotiating with insurance companies (before we did this, a different insurance company tried to increase our premiums by almost 20%)

I also contribute $75/month to a Health Savings Account. My college has a Wellness program and if we participate, we get a choice of the school covering more of our premiums or contributing $1000/year to our HSA. 

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