is your monthly health insurance cost getting unmanageable?

posted 3 years ago in Wellness
  • poll: monthly health insurence cost for family
    0-300 : (7 votes)
    50 %
    300-600 : (6 votes)
    43 %
    600-900 : (1 votes)
    7 %
    900+ : (0 votes)
  • Post # 2
    Member
    269 posts
    Helper bee
    • Wedding: December 2025

    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
    Member
    194 posts
    Blushing bee
    • Wedding: February 2015

    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
    Member
    2795 posts
    Sugar bee
    • Wedding: September 2014

    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 # 7
    Member
    951 posts
    Busy bee
    • Wedding: November 2012

    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.

     

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