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Health Insurance Premiums
Posted on 11/1/25 at 5:48 pm
Posted on 11/1/25 at 5:48 pm
What are some of the OT’s health plans and premiums? I’m 50, my wife is 45. Neither of us have any medical problems. My wife has dome thyroid stuff, nothing serious though. Our premiums are around $1,000 a month. Looking for something more affordable. Any recommendations would be greatly appreciated! Thanks
31
Posted on 11/1/25 at 5:50 pm to TigahTeeth
I've been with a sharing ministry since January 2015.
Christian Healthcare Ministries. $300/mo.
Christian Healthcare Ministries. $300/mo.
Posted on 11/1/25 at 5:51 pm to TigahTeeth
Brother its outrageous right now. Family of 5 with no health problem, and I’m getting quoted between 2-3k. Its what I get for being a contractor.
Posted on 11/1/25 at 5:55 pm to TigahTeeth
1300 month for the pleasure of having a 6500 indvidual/13000 family deductible.
At least it's an hsa. The non hsa plan was around 2100 month, so I just take the difference and put in in the hsa up to the max limit.
At least it's an hsa. The non hsa plan was around 2100 month, so I just take the difference and put in in the hsa up to the max limit.
Posted on 11/1/25 at 5:56 pm to TigahTeeth
The only affordable option is to work for a company that offers health insurance.
Posted on 11/1/25 at 5:57 pm to TigahTeeth
Just go to ER and say “ No hablo inglés”. Free care!!
Posted on 11/1/25 at 5:57 pm to TigahTeeth
1500. BCBS-LA
HSA. Big arse deductible for family.
We’re both self employed so …
ME, husband, 24 yo who we need to take off of policy.
56, 55.
HSA. Big arse deductible for family.
We’re both self employed so …
ME, husband, 24 yo who we need to take off of policy.
56, 55.
This post was edited on 11/1/25 at 9:52 pm
Posted on 11/1/25 at 5:59 pm to TigahTeeth
I'm blessed, my wife and I work for a hospital, her, me and our son is $500 per mo. Including dental and vision.
Posted on 11/1/25 at 6:05 pm to TigahTeeth
Well, the first line of defense against high premiums is determining your eligibility for a federal premium subsidy.
If the enhanced premium tax credits don't expire at the end of the year a couple ages 45 & 50 with no dependents can have a MAGI (modified adjusted gross income) of $100,000 and qualify for a $943 monthly subsidy.
More if you have dependents .
If the enhanced premium tax credits don't expire at the end of the year a couple ages 45 & 50 with no dependents can have a MAGI (modified adjusted gross income) of $100,000 and qualify for a $943 monthly subsidy.
More if you have dependents .
Posted on 11/1/25 at 6:07 pm to Disco Ball
quote:
Well, the first line of defense against high premiums is determining your eligibility for a federal premium subsidy. If the enhanced premium tax credits don't expire at the end of the year a couple ages 45 & 50 with no dependents can have a MAGI (modified adjusted gross income) of $100,000 and qualify for a $943 monthly subsidy. More if you have dependents .
What’s the second line of defense?
Posted on 11/1/25 at 6:07 pm to PabloSmash
It’s almost as if they are looking at your financial status instead of your family’s health status.
Posted on 11/1/25 at 6:08 pm to TigahTeeth
Family of 4
High deductible plan
$1000 seed money
$350 a month
Major oil company
High deductible plan
$1000 seed money
$350 a month
Major oil company
Posted on 11/1/25 at 6:09 pm to TigahTeeth
I'm 62 wife is 65 blue cross blue sheild costs us 590 amonth.
Posted on 11/1/25 at 6:11 pm to Chief Hinge
quote:
What’s the second line of defense?
Stop making so much money.
Posted on 11/1/25 at 6:12 pm to TigahTeeth
Single with no dependents.
BCBS high deductible plan is $211 per month.
BCBS high deductible plan is $211 per month.
Posted on 11/1/25 at 6:15 pm to TigahTeeth
I pay $400/month just for me. Wife pays the same via her retirement plan. Could be worse.
Posted on 11/1/25 at 6:18 pm to TigahTeeth
I am 67 yrs . old, single/divorced. Kids are in their twenties, so no dependents. I have Medicare Parts A, B & C, plus a Medicare Senior Advantage plan from Kaiser Perm. I pay $192 p/ month for all.
I just had a mild heart attack 3 weeks ago and had an angioplasty with 2 stents installed in my aorta. Feelin' pretty good now. Looks like the whole thing will cost about $95K, and I will be responsible for $5,900, which is the maximum out-of-pocket for the year. Not bad....
I just had a mild heart attack 3 weeks ago and had an angioplasty with 2 stents installed in my aorta. Feelin' pretty good now. Looks like the whole thing will cost about $95K, and I will be responsible for $5,900, which is the maximum out-of-pocket for the year. Not bad....
Posted on 11/1/25 at 6:24 pm to TigahTeeth
HSA,
About $100/ month
Deductible in the 1000s, maybe around 4000?
About $100/ month
Deductible in the 1000s, maybe around 4000?
Posted on 11/1/25 at 6:27 pm to TigahTeeth
Why is everything so high??
Posted on 11/1/25 at 6:27 pm to nealnan8
If you had stayed with Medicare A & B as your primary insurance instead of leaving for a Medicare HMO aka Medicare C neither of which have anything to do with Medicare. And then picked up a Medicare Supplement policy aka Medigap policy your maximum 2025 annual out of pocket would have been only 257 bucks. Medicare supplement policy premium vary by zip code but at your age the average is around 130 per month
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