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How much have your insurance premiums gone up this year?
Posted on 7/25/17 at 9:56 pm
Posted on 7/25/17 at 9:56 pm
We've had our annual open enrollment benefits meeting to learn about changes next fiscal year and our premiums are increasing 22%. Last year we incurred a 12% increase. I'm all about free enterprise, but this is ridiculous. It's getting to the point where these premiums are becoming completely unaffordable for the working middle class. At some point this bubble has to burst and collapse right? Premiums can't keep rising at these rates indefinitely.
This post was edited on 7/25/17 at 9:59 pm
13
Posted on 7/25/17 at 9:57 pm to Hammond Tiger Fan
I think ours went up around 15-20% after no increase last year
Posted on 7/25/17 at 9:59 pm to Hammond Tiger Fan
Still 0 per month over here.
High five to good employers.
High five to good employers.
Posted on 7/25/17 at 10:00 pm to Hammond Tiger Fan
Mine went up 100% last year, so I dropped out, and into the high deductible plan.
Open enrollment hasn't started yet for me this year, but I assume I'll stay in the high deductible.
Open enrollment hasn't started yet for me this year, but I assume I'll stay in the high deductible.
Posted on 7/25/17 at 10:00 pm to jdeval1
My self employed BCBS health ins went down $25 a month this July. From like $512 to $487 a month.
Posted on 7/25/17 at 10:01 pm to Hammond Tiger Fan
well, since insurance is regulated by the government and premiums are directly affected by the claims that your insurance pays each year, it looks like what we are really looking for is some way to reduce health care costs.
the past two presidents have been elected based on the promise to fix the health care system and neither has come close to accomplishing that.
the past two presidents have been elected based on the promise to fix the health care system and neither has come close to accomplishing that.
Posted on 7/25/17 at 10:03 pm to Hammond Tiger Fan
$0
I dropped mine completely. We never get sick anyways.
I dropped mine completely. We never get sick anyways.
Posted on 7/25/17 at 10:04 pm to Hammond Tiger Fan
Premiums didn't go up--that's because the premiums went to $-0-: Insurance company discontinued the plan I had so I'll be looking for new coverage. 
Last year my agent said my grandfathered non-ACA compliant policy was about 1/3 less than compliant policies. I dread seeing what my premium increase will be.
The silver lining is my new policy will cover ovarian cancer, which since I'm male, will be very beneficial--NOT.
Last year my agent said my grandfathered non-ACA compliant policy was about 1/3 less than compliant policies. I dread seeing what my premium increase will be.
The silver lining is my new policy will cover ovarian cancer, which since I'm male, will be very beneficial--NOT.
Posted on 7/25/17 at 10:06 pm to Hammond Tiger Fan
quote:
We've had our annual open enrollment benefits meeting to learn about changes next fiscal year and our premiums are increasing 22%. Last year we incurred a 12% increase.
You can keep your plan.
You can keep your doctor.
Rates won't rise.
Posted on 7/25/17 at 10:06 pm to GRTiger
quote:
High five to good employers
Same here.
Posted on 7/25/17 at 10:07 pm to weadjust
quote:
My self employed BCBS health ins went down $25 a month this July. From like $512 to $487 a month
I pay in the same ballpark (employer covers 2/3) for group coverage for a family.
Posted on 7/25/17 at 10:07 pm to Spankum
Mine went from $876 to $1,105.
BCBS "group plan."
And "one" President has been in office six months. Nice lob volley though.
BCBS "group plan."
And "one" President has been in office six months. Nice lob volley though.
Posted on 7/25/17 at 10:11 pm to deeprig9
What is your deductible?
Posted on 7/25/17 at 10:11 pm to BuyloSellhi
He did say past two, not the current and the former.
Posted on 7/25/17 at 10:13 pm to Alleman
quote:
Premiums didn't go up--that's because the premiums went to $-0-: Insurance company discontinued the plan I had so I'll be looking for new coverage.
Same here. New premium with new company for just myself is $650/ mo. My old premium was $370.
Posted on 7/25/17 at 10:14 pm to Hammond Tiger Fan
saodroppings@gmail.com if you want. Could save several of you a ton reading through this thread. Not kidding.
Posted on 7/25/17 at 10:17 pm to GRTiger
quote:
Still 0 per month over here
I declined a job offer from a relatively small company a couple years ago because they 100% covered the employee but paid 0% of spouse/kids. They offered me like 15k more salary but would have been more like 8k after I paid the difference in premiums for health, dental etc
Posted on 7/25/17 at 10:18 pm to Spankum
quote:
well, since insurance is regulated by the government and premiums are directly affected by the claims that your insurance pays each year, it looks like what we are really looking for is some way to reduce health care costs.
Bingo!
Insurance companies are just a conduit for money flow between the patient and the doctor. They shave off between 3 and 5% for profit. Their involvement certainly adds complexity and cost to the whole system, but their profit margin is very small.
I'd like to know why an anesthesiologist charges $750 to administer laughing gas to an infant for ear tubes, and then charges $750 twice because there's two ears, even though only one gassing occurred.
I'd like to know why the surgical facility charges a surgery suite charge of $15,000, for a 30 minute out-patient procedure, for putting tube in an infants ears, and then charges the facility charge 2x because there are two ears.
This all happenned to me, and was ran through Cigna, I contacted Cigna to tell them the doctor was ripping them off, and Cigna assured me that this is customary....
The insurance companies aren't the enemy, it is the doctors. The insurance companies are complicit.
Posted on 7/25/17 at 10:22 pm to jdeval1
quote:
I declined a job offer from a relatively small company a couple years ago because they 100% covered the employee but paid 0% of spouse/kids. They offered me like 15k more salary but would have been more like 8k after I paid the difference in premiums for health, dental etc
That's how ours works too. If I add my wife and kids it skyrockets. Like 700/month.
My wife works for an insurance company, so she gets her plus the kids for like 150/month, so it works. But I can see through our offer if it doesn't work like that.
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