Post # 1
Currently my husband and I stayed on our individual plans with our employers cause it was cheaper. Now, my husband is making a career move where he’ll need to get his own plan or jump on mine. I just found out mine goes from $120 a month for me, to $700 a month with both of us! There is no individual +1 option, its the same plan that you can have any # of kids on and pay a flat rate. I’m going to talk to my HR about this, its a small company I work for and they tend to do the most cost effective stuff but these no way I’m going for that rate change to add him. We will explore other plans for just him.
I’m wondering since I don’t have an option, what do you pay for 2 of you on the same plan? Thank you!
Post # 3
We are both on seperate plans. I pay $56.25 every 2 weeks and he pays $46.14 every 2 weeks so we pay about $205 a month. He is on a high deductible plan because he never goes to the doctor and I have a good plan because I go a lot. It would have been the same for me to add my husband at my old job.
If we were to both be on the same plan, it would cost $131.73 every 2 weeks ($263.46 a month) so we are saving a little bit off that option.
Post # 4
I don’t have the option either. It’s either self, or family. No self+1, which is stupid. Our plan is $280 a month. It’s $125 a month for a single.
Post # 5
We work for the same company so we don’t have many options for coverage. If we kept our own separate plans it would have cost more so he’s on my policy. I pay $98 p/week or $392 p/month for single +1. I wish I had the plan that some of you guys do!
Post # 6
Just to give you an idea in the Boston area if you bought a plan on your own it would be about $350-$400 for an individual, $700-$800 for +1, and $1400+ for a family.
I would pay $60 per pay period for an individual or $120 for EE+1. Our plan does have 3 levels so I don’t need to jump to the family plan. I would try talking to HR.
Post # 7
About $130 per paycheck (biweekly), and another $30 for dental/vision for me and the hubby. And, I think the choices were “Individual” or “Family”, so kids won’t be anything additional.
Post # 8
$219 for the two of us per month, he’s on my plan – medical, dental and vision. my company does have a Member + Spouse option.
Post # 9
Thanks so much ladies for responding so far. I wish I had some of your options!
@roxy821, you are right, if he kept his through Cobra, its $393 a month for medical, then $40 for dental.
Post # 10
It’s about $220 for the both of us a month.
Post # 11
Comparing what other people pay is a bit aimless if you’re not asking for company size and headquarters, as those two things determine the company’s purchasing power with the insurance company. You also have to find out if your company’s spousal coverage is a taxable or non-taxable benefit and while I don’t know all the in’s and out’s of this (I am not a HR specialist or a tax lawyer) I do know that the way the benefit is given to you determines if you pay tax on the employer’s contribution to the price, and that can be a fairly large impact. So a $100/month upcharge for your DH on a plan where you are taxed on the employer contribution may actually cost you more in the long run than a $200/month upcharge where you’re NOT taxed.
Anyway my fiance and I actually have the identical insurance company (Cigna for health and Rx, UHC for dental and vision), plan and coverage, just through two different employers, so it’s a very easy comparison.
Both companies headquartered in California, both of us living in DC and both of these have the employer contribution as a taxable benefit.
Mine: 14,000 employees worldwide and about 9000 of those in the US
His: 440 employees, all in the USA
Me alone through my employer: $52/month health, $2 dental, free vision
Him alone through his employer: $84/month, $8 dental, free vision
Both of us on my plan: $144/month, $7 dental, $4 vision
Both of us on his plan: $240/month, $11 dental, $4 vision
Plus the taxable benefit (handled as regular income) while I don’t have the exact numbers in front of me, going with my plan has about 60% less taxable benefit than going with his plan.
Post # 12
I pay $65 every paycheck, (every 2 weeks) and FI pays $48. We work for the same employer but because of start date, we have different amounts taken out. When we get married we will keep our individual plans since a family plan will be about $120 per paycheck.
Post # 13
We pay about $1500 a year each (~60/pay check). We work for the same company but have separate policies cause strangely enough, to have a couples plan actually cost like $100 more.
Post # 14
I work for the fed gov in Canada.
I pay $0 for healthcare, with a $50 deductible on prescriptions.
For dental I pay 10% of the final cost.
For prescription glasses, I pay 20% of the final cost.
Post # 15
I pay roughly 30/month. We have 4 options, I chose the 3rd. FI pays nothing. His employer covers the cheapest option. However, his other option would take out about 140/month, he gets paid semi monthly. If I were to add him, it would double.
Post # 16
Just to give you an idea of what it’s like here:
We don’t pay for my husband’s work plan, work covers it (although I believe it’s a taxable benefit).
I decided to also keep my own plan, as meds are 80% covered on both and along with some other things (like RMTs) it’s worth it.
I pay about $400/year for health & dental. That’s quite cheap, as it’s partially subsidized by the university.