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re: Cost of health insurance?

Posted on 1/29/15 at 1:10 pm to
Posted by 9th life
birmingham
Member since Sep 2009
7310 posts
Posted on 1/29/15 at 1:10 pm to
quote:

We pay almost $700 per month for a family of 5 ... although it would be the same price if we were a family of 3 or 4.


I am jealous.

I pay $1200+ for a family of 4. All healthy, and all we have ever used our insurance for is wellness visits.

I provide health coverage through my small business for my employees. 3 employees is now ~$2900 a month, up $1300 monthly since the reform.
Posted by Darth_Vader
A galaxy far, far away
Member since Dec 2011
66437 posts
Posted on 1/29/15 at 1:13 pm to
quote:

Fattys and smokers should have to pay double.


I think it's a growing tread that tobacco users do pay more for their health insurance. I know where I work they pay something like an extra $50 - $60 per month so something in that neighborhood.
Posted by SanFranTiger
Santa Fe, NM
Member since Sep 2003
4933 posts
Posted on 1/29/15 at 1:23 pm to
quote:

I need to go to pharmaceutical peddlers to tell me I'm healthy? No. I say I'm healthy because I eat healthier than everyone I know, I exercise every day, I'm not overweight, my blood pressure is in the athletic range, I feel great, etc


You should have at least have an annual physical. I had a friend who was healthy as a horse...fit, ate well, did yoga...

by the time he realized he was having trouble with his throat, the cancer was pretty much everywhere. He died within 8 months.
Posted by jfturner212
1176 Bob Pettit Boulevard
Member since Nov 2004
5549 posts
Posted on 1/29/15 at 1:31 pm to
31, single with no health problems. $150 a month with Cigna.
Posted by NoHoTiger
So many to kill, so little time
Member since Nov 2006
45882 posts
Posted on 1/29/15 at 1:40 pm to
quote:

$600/month for a single healthy person? Explain this to me

Probably utilization based on usage by other people in the company. If you are part of a pool, you assume some of the risk of others in the pool.
Posted by Green Chili Tiger
Lurking the Tin Foil Hat Board
Member since Jul 2009
49120 posts
Posted on 1/29/15 at 1:49 pm to
Mid-forties, married, two-kids, I pay $370 a month for family coverage. Blue Cross Blue Shield
Posted by tiger91
In my own little world
Member since Nov 2005
38309 posts
Posted on 1/29/15 at 1:50 pm to
Through your employer or an individual policy?
Posted by AngryBeavers
Member since Jun 2012
4554 posts
Posted on 1/29/15 at 1:52 pm to
quote:

Fattys and smokers should have to pay double.


Agreed.
Posted by tiger91
In my own little world
Member since Nov 2005
38309 posts
Posted on 1/29/15 at 1:53 pm to

quote:

quote:

We pay almost $700 per month for a family of 5 ... although it would be the same price if we were a family of 3 or 4.


I am jealous.

I pay $1200+ for a family of 4. All healthy, and all we have ever used our insurance for is wellness visits.

I provide health coverage through my small business for my employees. 3 employees is now ~$2900 a month, up $1300 monthly since the reform.





9th through an employer or individual policy? Just curious. I kept waiting in 2013 for a notice fo a huge increase due to my husband and son both needing surgery and extensive OT for my son. Then in 2014 I had 2 knee surgeries and son's OT had continued for a while earlier in 2014. Huge increase didn't come. In 1997, when we started with an individual policy with BCBS, it was $250 a month and we had $5 or $10 copays for everything. Had to change coverage eventually but it hasn't tripled in 17 years so I guess I shouldn't complain. In 17 years we've met our ded three times -- 2002, 2013, 2014. I'm hoping that is it for a while.
Posted by LSUfan4444
Member since Mar 2004
55031 posts
Posted on 1/29/15 at 2:17 pm to
Married with one child:

$127 a month, plus $10 for vision and $22 for dental

Great plan with no deductible and low copays ($10 for PCP and specialist visits)
Posted by Green Chili Tiger
Lurking the Tin Foil Hat Board
Member since Jul 2009
49120 posts
Posted on 1/29/15 at 2:36 pm to
quote:

Through your employer or an individual policy?


Employer
Posted by G Vice
Lafayette, LA
Member since Dec 2006
13024 posts
Posted on 1/29/15 at 2:53 pm to
I'm jelly of the group rates you guys get through your employer.

I'm self-employed, and my premium is 770 per month with a 6,600 deductible for 2 adults, 2 children, and none of us are on any meds.

I ought to be able to get the low rate and low deductible, because they way I see it, we are all part of the same "group" of people buying insurance, no matter who we work for.
Posted by yellowfin
Coastal Bar
Member since May 2006
98130 posts
Posted on 1/29/15 at 3:04 pm to
I just checked my pay stub, it's $78 per pay period for me and my kids
Posted by LSUfan4444
Member since Mar 2004
55031 posts
Posted on 1/29/15 at 3:17 pm to
quote:

I'm jelly of the group rates you guys get through your employer.

I'm self-employed


To me, benefits are a big reason I got into the field I am in and stay with the company I am with. I know I could get a job with more time at home and make more money, but would come with less job security and worse benefits. I like what I do and who I do it for, but I would like to be home every other Friday like some of my friends...but then again I don't want to travel to other cities once a month, be on the road non stop have a $5k insurance deductible, etc.

My wife could probably about $10-$15k more than what she does now too with another company, but she has some major perks that are too good to pass up (6 weeks paid vacation, companies puts 10% towards her 401K per month - not match, they just put 10% in)
This post was edited on 1/29/15 at 3:19 pm
Posted by G Vice
Lafayette, LA
Member since Dec 2006
13024 posts
Posted on 1/29/15 at 3:29 pm to
Keep on laughing, oh bearded one.

Your day is coming.
Posted by tiger91
In my own little world
Member since Nov 2005
38309 posts
Posted on 1/30/15 at 5:54 pm to
GVice BCBS/La?
Posted by dillpickleLSU
Philadelphia, PA
Member since Oct 2005
26282 posts
Posted on 1/30/15 at 6:01 pm to
I pay 0. Employer pays 100 percent. 1000 deductible/30 dollar co pay in network.
Posted by lsucoonass
shreveport and east texas
Member since Nov 2003
68736 posts
Posted on 1/30/15 at 6:07 pm to
What's your insurance? Sounds like a good deal
Posted by Tiger n Miami AU83
Miami
Member since Oct 2007
45656 posts
Posted on 1/30/15 at 6:21 pm to
Company pays 100% of mine. I have a $1k deductible, but company pays my first $500 out of pocket.
Posted by texashorn
Member since May 2008
13122 posts
Posted on 1/30/15 at 6:24 pm to
quote:

Company pays 100% of mine. I have a $1k deductible, but company pays my first $500 out of pocket.


Work for the government, do ya?
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