Health insurance $$ thru employer

[BoardWalkBelle]

After a long time without health insurance I finally have some thru my employer. It has been a long time since i have had any thru an employer and i know things have changed . I have an HMO option and I have only myself insured. thru pay check deductions I am paying over 1000.00 per yr, which seem high to me. Can anyone tell me if this seems right? I know employers are paying less towards employyees healt care but they cant be paying much for me if i am still paying that much..or am i totally out of the loop?

 

[stich1fan]

Well, I wish I could pay that little. We have coverage for a family of 3, 2 adults 1 child. We pay out of pocket $17,000.00 a year. It is like a second mortgage. Alot of cuts have to made to keep it, but we can't be without it as our little one is a sick kid.

 

[dfchelbay]

That doesn't seem high to me. When I paid 100% of my Blue Cross it was $350.00 per month for just me, which would make it $4200.00 per year. DS has full coverage Blue Cross and he pays $182.00 month, for just him.

DH has full group medical insurance through his employmer. His portion is $295.44 per month for medical (just him) and $114.48 for dental (entire family).

 

[mom2val]

$12k a year here for family of 3 BCBS through husbands employer - we pay 2/3 of the 12k and work pays the 1/3. We just tried shopping around and for the amount we pay the coverage we could get on our own -was no good- we don't want to pay a huge deductible before anything is covered.

 

[Luv Bunnies]

I work part time at a school (25 hours a week) and I'm currently covering medical, dental and vision insurance for my family (me, DH and 2 kids). I pay about $5,500 out of pocket each year.

 

[2disneyboys]

depending on your age, sex, etc, that's actually not bad. Our office pays 1/2 of the single rate for all employee's on the plan. The employee pays the other 1/2 of thier ins and then any additional (if on a family plan) most of the employee's (ranging from male/female and from 18-64) pay around $4-5,000 a year for thier share of the health insurance costs and if they have a family plan, thats extra. It's not cheap !

 

[bumbershoot]

...I am paying over 1000.00 per yr, which seem high to me. ....

I know employers are paying less towards employyees healt care but they cant be paying much for me if i am still paying that much..or am i totally out of the loop?

Well, we pay just over $300 per month for the 3 of us (it would be the SAME cost if we had 1, 5, 10 more kids...with just one kid it's not really a discount, sigh). When DH was laid off and we did COBRA for one month, we discovered that we pay approx 1/3 of what the total insurance costs are.

I imagine if you went and tried to get an individual policy, you'd discover that it's about the same, if not more, as us...I bet you're paying probably a third of the total cost.

 

[Cheshire Figment]

I'm paying about $1,600 per year for BCBS through the Federal Employees Health Plan. The government pays about 75% of the premium and I pay about 25%.

 

[disneychrista]

I think my full premium is $316/month just to cover me. It is CRAZY expensive.

 

[kaytieeldr]

I pay about $1,200 per year as my share. When I was unemployed and on COBRA, and qualified for that reduced rate, I discovered my former employer's total premium for my (only, i.e. no dependents) coverage was something like $720 per month total - so insurance for one person cost $8,640 per year

So, no, your $1,000 or so premium is ENTIRELY reasonable.

 

[Poohbear5]

Sounds like a bargain to me.

We were just notified by my husband's employer that our rates for 2011 are going way up, and we are being switched to a policy with a $6,000 deductible due the health care "reform".

Hope your premium stays at $1000/yr!

 

[cluvsdisney]

Health insurance policies are very expensive even with group rates. I think a policy for a single person at my company is around $500/month or $6,000/year.

 

[DVC-Don]

We are self employed and pay the full amount of our health. It's over $800 a month for our family of 4.

 

[lost*in*cyberspace]

When I read threads such as these, I am very thankful for our military health insurance. Cost to us - $0.

 

[mward73]

When we were under DH's heath care, we paid about $500/mo ($6000/yr) - his company was on a graduated scale, so the more you made, the more you paid. He's considered management, so we paid a lot more than other people he worked with. I changed jobs in January, so we stitched to my company - it's 100% employer paid - so it was like getting a raise for him.

 

[CowboyCO]

Sounds like a deal. I pay about $200 month for my 1/2 share of the medical insurance cost.

 

[jt'smom]

we pay $11,256 for our share... yes that's $938 a month deducted from my husbands check for united healthcare ppo. we got a letter that his deduction would be going up in january to $1357 a month for 70/30 coverage with a $5000 deductible. that's just not going to work for us, so i'm not sure what we are going to do. i am hoping for some sort of high deductible, catastrophic plan to be offered. healthcare reform really is screwing us.

 

[Mommee]

we pay $11,256 for our share... yes that's $938 a month deducted from my husbands check for united healthcare ppo. we got a letter that his deduction would be going up in january to $1357 a month for 70/30 coverage with a $5000 deductible. that's just not going to work for us, so i'm not sure what we are going to do. i am hoping for some sort of high deductible, catastrophic plan to be offered. healthcare reform really is screwing us.

 

[A Mickeyfan]

If I were to cover my entire family, I would be paying out over $600 every two weeks.. so $1000 for a year.. sign me up!!!!

 

[Hannathy]

$1,000 even $2,000 a year for medical and yes I know it is single is a bargain. We pay a lot more than that and even the single coverage is higher than that and the company my DH works for is generous a lot of other places around here have higher employee contributions.