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Message

re: Health Insurance Premiums

Posted on 11/1/25 at 6:31 pm to
Posted by TheStruggler
Member since Oct 2025
42 posts
Posted on 11/1/25 at 6:31 pm to
Thanks Obama!
Posted by The Cow Goes Moo Moo
Bucktown
Member since Nov 2012
4075 posts
Posted on 11/1/25 at 6:34 pm to
Family of 3, I pay around $650 per month.

I work for fedgov though
Posted by blueboxer1119
Baton Rouge
Member since May 2013
9573 posts
Posted on 11/1/25 at 6:35 pm to
quote:

The only affordable option is to work for a company that offers health insurance.


Actually the exact opposite.

If your employer doesn’t offer it, get it from marketplace for a fraction of the cost.
Posted by MemphisGuy
Germantown, TN
Member since Nov 2023
13784 posts
Posted on 11/1/25 at 6:36 pm to
quote:

Well, the first line of defense against high premiums is determining your eligibility for a federal premium subsidy.

So.. your first line of defense against high health insurance premiums is welfare.
Posted by Disco Ball
Denham Springs
Member since May 2025
837 posts
Posted on 11/1/25 at 6:42 pm to
quote:

So.. your first line of defense against high health insurance premiums is welfare.


The federal premium subsidies were not designed for anyone on welfare and
if you qualify for welfare (medicaid) you are not eligible for a federal premium subsidy.
Posted by nealnan8
Atlanta
Member since Oct 2016
4015 posts
Posted on 11/1/25 at 6:44 pm to
Yes, I considered that before going on Medicare. Alas, didn't know I was going to have a heart attack.
Posted by MemphisGuy
Germantown, TN
Member since Nov 2023
13784 posts
Posted on 11/1/25 at 6:44 pm to
quote:

The federal premium subsidies were not designed for anyone on welfare and
if you qualify for welfare (medicaid) you are not eligible for a federal premium subsidy.


You are getting help from the government to pay for your health insurance premiums... or simply having the government pay them entirely. You are getting welfare.
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
37386 posts
Posted on 11/1/25 at 6:47 pm to
quote:

Why is everything so high??


quote:

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....
Posted by WaydownSouth
Stratton Oakmont
Member since Nov 2018
10539 posts
Posted on 11/1/25 at 6:48 pm to
Perks of working for a hospital.

Family of 4, just over $500/month.

Posted by PUB
New Orleans
Member since Sep 2017
20695 posts
Posted on 11/1/25 at 7:04 pm to
How do you figure that one out?
Posted by GeauxHead337
Houston
Member since Feb 2025
186 posts
Posted on 11/1/25 at 7:06 pm to
$110/month. Family of 4. Medical/dental/vision
Posted by Disco Ball
Denham Springs
Member since May 2025
837 posts
Posted on 11/1/25 at 7:06 pm to
quote:

How do you figure that one out?


Do you mean the premium subsidy?
Posted by Philzilla2k
Member since Oct 2017
12433 posts
Posted on 11/1/25 at 7:07 pm to
Go back in time, join the military, retire, like $475 a year.
Posted by MemphisGuy
Germantown, TN
Member since Nov 2023
13784 posts
Posted on 11/1/25 at 7:08 pm to
I might be wrong.. but I think he means the medicare a/b vs medicare c computation...
Posted by OysterPoBoy
City of St. George
Member since Jul 2013
43162 posts
Posted on 11/1/25 at 7:08 pm to
Great system we have. When you’re young and healthy you pay out the arse. When you’re old and frail the government pays for you.

Brilliant.
Posted by TigahTeeth
Georgia
Member since Feb 2016
6161 posts
Posted on 11/1/25 at 7:08 pm to
Is this through an employer?! WTF!
Posted by TBoy
Kalamazoo
Member since Dec 2007
27594 posts
Posted on 11/1/25 at 7:10 pm to
quote:

Well, the first line of defense against high premiums is determining your eligibility for a federal premium subsidy.

Only if democrats win the shutdown fight.
Posted by SobchakSecurity
Member since Sep 2025
39 posts
Posted on 11/1/25 at 7:12 pm to
Work for a contractor under a Big Oil Company, Currently pay 150/Month.
Just myself.
Posted by DiamondDog
Louisiana
Member since Nov 2019
12843 posts
Posted on 11/1/25 at 7:20 pm to
quote:

only affordable option is to work for a company that offers health insurance


There are a handful that pay 100% of the premium for the entire family.

My company pays 100% health, dental and vision.
This post was edited on 11/1/25 at 7:21 pm
Posted by Disco Ball
Denham Springs
Member since May 2025
837 posts
Posted on 11/1/25 at 7:25 pm to
quote:

Is this through an employer?! WTF!


Folks, this thread is not comparing apples to apples.
Some people work for a company that offers health insurance through an "Employer Sponsored Group Health Plan" and the employer covers a percentage of the premiums.
A number of my business owner clients cover 90 to 100%
Others on this thread have purchased their own policy directly and must pay 100% of the premiums unless they qualify for a premium subsidy.
Before posting premiums we need some background info in order to do a proper comparison.
Another major issue that the health ins companies don't want you to understand is whether the coverage in question is a real legally binding health insurance policy contract or an HMO.
There is a huge difference.
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