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Started By
Message
Health insurance for fam
Posted on 10/24/22 at 8:33 pm
Posted on 10/24/22 at 8:33 pm
For those like me unlucky enough to have to pay your spouse and kids’ health insurance out of pocket, what are the best coverages you have found recently? Adding them to my employer-paid plan would cost around $1,800/month.
15
Posted on 10/25/22 at 1:45 pm to Jwodie
Shite is completely out of control. Then add another $3,000 to $5,000 in deductibles and co-pays
Posted on 10/25/22 at 2:04 pm to Jwodie
There are no good options for this. If not on a government or company provided route...it's all bad. I wish I could say something positive but I can not.
Posted on 10/25/22 at 2:05 pm to Jwodie
quote:
Adding them to my employer-paid plan would cost around $1,800/month.
Sadly, this will likely be your best option.
Posted on 10/25/22 at 2:06 pm to Jwodie
How many dependents are you covering?
Posted on 10/25/22 at 2:12 pm to Jwodie
Jeez times like this make me realize how good my family employer plan is. $450 a month, and they contribute 4500 a year to my hsa
Posted on 10/25/22 at 2:14 pm to Jwodie
Health insurance is a scam bro. Get divorced on paper and let your old lady sign up for Medicaid
Posted on 10/25/22 at 3:07 pm to Jwodie
Have you looked into medishare?
Posted on 10/25/22 at 3:24 pm to Jwodie
Unless yall make over $250k, look into Marketplace.
Posted on 10/25/22 at 6:27 pm to iknowmorethanyou
quote:
Unless yall make over $250k, look into Marketplace.
Marketplace was going to be wayy more than my company provided. And I don’t make half of $250k.
Posted on 10/25/22 at 6:38 pm to Jwodie
I’m at $900/mo for a family of 4 with a $9,750 deductible. We’re also eligible for a $133 discount each month for being healthy and hitting certain metrics. I max out an HSA, but damn I feel like this is pricey myself too.
Posted on 10/25/22 at 7:53 pm to tigerforever7
He said his dependent cost is $1,800 per month. Most marketplace cells will be lower.
Thank your employer for subsidizing your costs adequately.
Thank your employer for subsidizing your costs adequately.
Posted on 10/25/22 at 8:05 pm to jsk020
quote:
and they contribute 4500 a year to my hsa
Forget retiring next year! Where can I get an application?! 
Posted on 10/25/22 at 8:30 pm to Jag_Warrior
Its rough out there
I'm Blue Cross and its 16k a year for a couple
I'm Blue Cross and its 16k a year for a couple
Posted on 10/25/22 at 8:48 pm to Jag_Warrior
quote:
Where can I get an application?!
Lol I need a substation engineer so come on
Posted on 10/26/22 at 10:01 am to Jwodie
Look for a Direct Primary Care (DPC) Dr in your area.
Outrageously cheaper than standard insurance.
Outrageously cheaper than standard insurance.
Posted on 10/26/22 at 12:49 pm to Jwodie
We've got a private policy through BCBS-LA. It's a grandfathered policy so we're not under Obamacare.
We pay ~$1300/m for me and spouse (both 53) and 2 of our kids (25 and 21). No sense in dropping the 25 yo as it won't do anything to our premium.
It sucks premium wise .. oop is $5600 before they pay a dime and then 80/20 until we hit $10k oop. We do have a HSA.
We pay ~$1300/m for me and spouse (both 53) and 2 of our kids (25 and 21). No sense in dropping the 25 yo as it won't do anything to our premium.
It sucks premium wise .. oop is $5600 before they pay a dime and then 80/20 until we hit $10k oop. We do have a HSA.
Posted on 10/26/22 at 12:50 pm to Shepherd88
Shep I'd love your $900 premium.
Posted on 10/26/22 at 1:02 pm to Jwodie
How many dependents?
Posted on 10/27/22 at 8:24 am to griddle
quote:
Look for a Direct Primary Care (DPC) Dr in your area.
Outrageously cheaper than standard insurance.
It’s a pretty terrible substitute- if you get sick enough to need to hospital or diagnosed with The Big C (amongst about 20 other things), you’re looking at near ruin.
That said, the system is entirely screwed, because you can wait until you need hundreds of thousands in care to sign up at all, and everyone else shares the burden both in advance and when you sign up. And if you get hospitalized and never pay your bill, you generally can get away with paying close to none of it. And developing a high need can actually cause you to qualify for Medicaid or Medicare in certain instances. But these are hardly good “strategies.”
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