Health insurance open enrollment

So you would stay on work plan and put your family on this new plan?

I'd look at healthcare.gov and also call BCBS and see if they have any non-exchange policies (it seems like everyone is moving to exchange-only policies).

But my guess is what you find out there will be worse than what your company is offering. With a kid, a second kid coming, and a birth coming, you have a lot of bills on the way. An outside policy is probably going to have a high deductible to keep the cost down, which you may not want with those bills coming down the pipe.

I wonder if there is a difference in limitations to make it that much cheaper.

quote:

---

I got a quote from Humana for 904$/month for a 1000$ family deductible plus additional 3000$ out of pocket max.

---

Are there any subsidies attached to that plan? If so, you need to remove them since as Poodle said, you will be ineligible for subsidies.

If you are not subsidized, just make sure you do an apples to apples comparison on what is and is not covered.

I'll never say never, but it's hard to believe in today's post-rating world that an individual policy would be cheaper AND less deductible/max than a group policy, assuming all the same coverages and exclusions.

This is 79$ cheaper when I factor in only what I pay and exclude my employer's small contribution. Much cheaper deductible/OOPMAX, no exclusions, same limitations. It's humans platinum if anyone is interested.