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Meursault
Member since Sep 2003
23348 posts

How much should health insurance cost for two people?

Just basic, no dental. What should it be per month?

The reason I ask is because at my work we just had the open enrollment meeting and I found out that it would cost me $400 per month to cover my wife and myself. Does that seem a bit high?


dillpickleLSU
LSU Fan
Chicago, IL
Member since Oct 2005
24269 posts
Online

re: How much should health insurance cost for two people?
quote:

The reason I ask is because at my work we just had the open enrollment meeting and I found out that it would cost me $400 per month to cover my wife and myself. Does that seem a bit high?


sounds a little high but not unreasonable


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shutterspeed
Southern Miss Fan
MS Gulf Coast
Member since May 2007
37278 posts

re: How much should health insurance cost for two people?
What's your deductible?

Do you have a co-pay?


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Cosmo
UNO Fan
glassman's guest house
Member since Oct 2003
69870 posts

re: How much should health insurance cost for two people?
How old are you? Any health problems?
My insurance is like $100 a month.


buzwa
LSU Fan
Youngsville, LA/Baton Rouge, LA
Member since Sep 2006
1942 posts

re: How much should health insurance cost for two people?
We have a $300 deductible per person and for employee and spouse it costs $120/month.


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taurusjwf
LSU Fan
Member since Oct 2008
817 posts

re: How much should health insurance cost for two people?
Would depend on type coverage (deductible, max out of pocket, percentage payable after deductible meet)

Unfortunately, between 300 - 400 would be average if the company pays for the employee 100%


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SlowFlowPro
Stanford Fan
Simple Solutions to Complex Probs
Member since Jan 2004
311075 posts
Online

re: How much should health insurance cost for two people?
sounds like a low deductible/co-pay plan

mine is $70/month with a $3600 ded.


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Meursault
Member since Sep 2003
23348 posts

re: How much should health insurance cost for two people?
Deductible is $1000, $30 copay.

Thing is if I were getting myself covered the company would pay for everything and my monthly cost would be $0. Looks like I should look into maybe getting outside coverage for the wife.


shutterspeed
Southern Miss Fan
MS Gulf Coast
Member since May 2007
37278 posts

re: How much should health insurance cost for two people?
That's the way mine works.

My insurance is free ($350 deductible), but with wife or kid it jumps to almost $200 (and $750 deductible.)

Get her independent insurance unless she has a pre-existing.


Meursault
Member since Sep 2003
23348 posts

re: How much should health insurance cost for two people?
Yeah $0 for just me, $400 for both of us. Well frick that.


Steauxn
LSU Fan
Port Neches, TX
Member since Dec 2007
18597 posts

re: How much should health insurance cost for two people?
quote:

Yeah $0 for just me, $400 for both of us. Well frick that.


tell your wife to get a job with some fricking benefits.........My ins is $90. My wife has our son's and will have our daughter's when she is born and hers is around 100 bi weekly.

eta if I had the family, it'd be around $700 and if she had the entire family, it'd be around $600
This post was edited on 6/16 at 4:08 pm


CptBengal
USA Fan
BR Baby
Member since Dec 2007
46324 posts

re: How much should health insurance cost for two people?
Call the government and tell em you want that free obamacare.


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Big Pun
LSU Fan
Dutchtown
Member since Mar 2009
3436 posts

re: How much should health insurance cost for two people?
yeah. women are definitely expensive and the company isn't paying for her share.

depending on her health and age, you can probably cover her much cheaper. call a broker who can price it for you. i just had to do this for myself and my son.


charlied
LSU Fan
Lafayette
Member since Dec 2007
3822 posts

re: How much should health insurance cost for two people?
if you can get it at work do so beause they are probably a grandfathered plan and before long the obamites will price everything out of the market like by 2014 as part of their economic conspiracy. Are they self funded?Is it a pre-tax plan? What is the deductible, provider network, max out of pocket and is that major med and dental or just a major med policy?
This post was edited on 6/16 at 4:25 pm


ottothewise
LSU Fan
Member since Sep 2008
32094 posts

re: How much should health insurance cost for two people?
1. not enough info.

2. But, $400 sounds VERY high for a company plan.

your employer is not paying in much.

I presume you are NOT in a union.

Guys are sooooo independent until they realize that cooperative negotations are ALWAYS superior to one man griping.


3. I pay $175 for BC/BS. a dependent would be $125 more.

That maps to the $300 someone else posted.




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yellowfin
Illinois Fan
Coastal Bar
Member since May 2006
78171 posts

re: How much should health insurance cost for two people?
I pay $600 a month for my wife and kid


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Catman88
LSU Fan
Baton Rouge, LA
Member since Dec 2004
41511 posts

re: How much should health insurance cost for two people?
quote:

Looks like I should look into maybe getting outside coverage for the wife


Dont do it unless you cannot have kids or had all you want. If your company has over 15 employees then that health insurance will include maternity automatically. You wont get that going on your own and if you do get a plan with it then it will be MUCH higher.


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Meursault
Member since Sep 2003
23348 posts

re: How much should health insurance cost for two people?
Pre-tax, blue cross blue shield of Tennessee, no kids (and not planning on it either), we are young (27, and 23) and we are healthy.


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