high deductible health plans
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high deductible health plans
Posted by diat150 on 6/25 at 3:37 pm
Anyone have a hdhp plan on their own not thru an employer? Id be interested in seeing some rates to compare vs the employer sponsored plan. What can I expect to pay for a family plan hdhp?

$1000a month for insurance is ridicilous.



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Posted by Janky on 6/25 at 3:44 pm to diat150
I cover myself, wife and 2 kids. I pay $579.59/month with a deductible of $5,600.


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Posted by fishfighter on 6/25 at 4:07 pm to diat150
quote:

$1000a month for insurance is ridicilous.


For and family? All depends on the deductible you have. Mine was a little over $1600 a month for the wife and I with a 1K deductible.

Now, just for the wife with a $3600 deductible, is $350 a month.



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Posted by GenesChin on 6/25 at 4:38 pm to fishfighter
Company I am at that is employee sponsored health car is 90$/ individual + 80$/wifee + 60$/per child

Dental is 0$/indv + 19$/family



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Posted by Croacka on 6/25 at 4:54 pm to diat150
My company uses a HDHP but they contribute to an HSA to pay the deductible for you

Some HR guru figured this would save money in the long run probably



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Posted by Zilla on 6/25 at 5:08 pm to Croacka
PS? ....bet I know you


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Posted by diat150 on 6/25 at 6:06 pm to Zilla
so any suggestions on a company I can get a quote from?


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Posted by tiger91 on 6/25 at 6:35 pm to diat150
We have blue cross la. 5600$ ded ... 80/20 after ded net by our choice $550 per month I think.

Me, husband, 3 kids. (44, 43, 20, 15, 12

Gas worked well for us. This is the 2nd time in 15 years we meet our ded.



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Posted by gatorsimz on 6/25 at 8:06 pm to diat150
quote:

so any suggestions on a company I can get a quote from?


United Health is pretty competitive with HDHPs.



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Posted by ColdDuck on 6/26 at 3:17 pm to gatorsimz
$330 month with a crazy high 10K deductible. Wife and 2 kids...Humana

I figured on good years, we come out way ahead on premiums.


This post was edited on 6/26 at 3:18 pm

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Posted by fishfighter on 6/26 at 3:54 pm to ColdDuck
quote:

$330 month with a crazy high 10K deductible. Wife and 2 kids...Humana


Check Blue cross. They were over $60 a month cheaper for same coverage for my wife.



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Posted by iknowmorethanyou on 6/27 at 9:05 am to diat150
BC/BS has the best PPO in the state. Not a knock against other carriers, but your doctor(s) might not always be in network with them. That matters much more than a few bucks a month premium savings.


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