How much is YOUR Ins. going up in January?

[scrapquitler]

I'm afraid to find out after what I have seen tonight. A man on the news tonight has 6 adopted children. His ins went from $460 a month to $1340. a month.

Someone else posted on Facebook that her BCBS ins. Is going from $368. to $1164. a month. Her DH is a doctor.

A friend of my mothers, who is retired, said her policy is going from $270. to $507. A month.

I'm scared to know what ours will be. We have Federal BCBS and it's already expensive.

Have any of you found out what it will be yet? Please keep this to rates only and not political.

I don't really know because DH is self employed and we buy our own plan and pay 100% (currently $1658 month for a FABULOUS HMO plan, no deductibles and I don't pay a %, just a small copay). I just got a letter from BCBS that my plan is not going to be offered next year but they are going to come up with a new plan, so we will see about that. If I buy into the exchange plans, I can buy the silver plan for about $1200 a month, but then I will have a huge deductible (like $2500 per person, $10000 for the family) plus I'll have to pay 20% of all bills after the deductible...so yes, I might be able to save $400 a month with the exchange plan, but it's a much WORSE plan and it will end up costing me more out of pocket because of the deductible and coinsurance costs.

I think that when they made the new plans they forgot the promise "IF YOU LIKE YOUR CURRENT PLAN YOU CAN KEEP YOUR CURRENT PLAN". Because I cant' keep my current plan, which I do like (I didn't like the price, but I did like the plan, and it was my CHOICE, now I don't have that choice)

 

[Golf4food]

Last year our top end family plan went up by $775 out of pocket (15% increase over 2012).

This year the same family plan is going up another $562.42 (14.9% increase over 2013).

All thanks to ACA changes. That is not a political statement, it is just a fact. Effectively we are being taxed an additional $1,337.48 compared to two years ago.


It is actually cheaper for my wife and son to be on one plan and for me to be on my own lower-level plan (wife and I work for the same company). But then we have two separate deductibles to meet if anything big happens. It is a lose-lose situation. Even then our out of pocket goes up $150.90 this year and I have less coverage and a higher deductible.

 

[thebeesknees]

We are currently paying $600 and change per pay period. Going up another $200+ per pay period, so another $400 a month I guess. Hoping we will be able to swing it OK as I started working and extremely limited part time job this year and my very tiny paycheck will just about cover the increase. I was hoping to start the kids on music lessons with that extra money, but it will go to the premiums instead.

 

[mhfrau]

We haven't heard any details from DH's employer yet, except a letter saying that they planned on meeting the "minimum standards" required by the law, but no word on pricing at all.

However, we DID get a letter from the UnitedHealthcare telling us that the plan we currently have through his employer, WILL NOT be offered, so we have no idea what to expect.

 

[holden]

Our Aetna here in Pa is currently $918/mo. Our new price will be $975/mo. We pay all of it because DH is an independent contractor/consultant.

 

[njmom47]

Apparently our health insurance is "self-insured" and there is different rules. Our HR hasn't said one word about things yet.

 

[treeface]

I currently pay $133/pay period for myself and 2 kids, it is going up to $135/pay period next year. My dental insurance will be going down by the same amount so no net change. Haven't heard yet about DH's insurance yet.

 

[johde]

My situation is a little bit different. I am a part time employee who buys their own individual policy that renews in April. My policy has offered me an early renewal option to renew in Dec.

1) If I do Nothing my current premium of $179 will go up about $7 in January because of the new taxes then a massive increase to somewhere in the $450 in April.

2) If I take the early renewal option it goes up $3 in Dec, then the $7 in January and I just pay the about $450 in Dec.

3) I could sign up for a new Exchange plan. the premium goes up in the Jan - March range based on the new plan I buy but I get the new tax credit to subsidize part of the premium.

Right now, I'm doing option 2 to lock in a better rate through most of next year while I finish exploring option 3.

 

[nunzia]

I'm afraid to find out after what I have seen tonight. A man on the news tonight has 6 adopted children. His ins went from $460 a month to $1340. a month.

Someone else posted on Facebook that her BCBS ins. Is going from $368. to $1164. a month. Her DH is a doctor.

A friend of my mothers, who is retired, said her policy is going from $270. to $507. A month.

I'm scared to know what ours will be. We have Federal BCBS and it's already expensive.

Have any of you found out what it will be yet? Please keep this to rates only and not political.

As I posted in another thread, my insurance will nearly triple in January. The plan doesn't have maternity benefits so can only be used for one more year. After that, the cheapest Obamacare option is nearly 4 times what I currently pay. I will add myself to DH plan in January (didn't earlier becasue he is undergoing a very expensive treatment and if I was added earlier would have put us into a family deductible status so we'd end up having to pay additional 2,600 deductible on him) and with his insurance my current rate will be double. DH's insurance is going up 10%. Health insurance is now far and away our largest expense and that is before one penny is spent on huge deductibles and co pays.

 

[GaSleepingBeautyFan]

We aren't sure yet.

We have heard nothing from HR at my husbands job and have gotten no letters from the insurance company.

 

[bas71873]

I don't really know because DH is self employed and we buy our own plan and pay 100% (currently $1658 month for a FABULOUS HMO plan, no deductibles and I don't pay a %, just a small copay). I just got a letter from BCBS that my plan is not going to be offered next year but they are going to come up with a new plan, so we will see about that. If I buy into the exchange plans, I can buy the silver plan for about $1200 a month, but then I will have a huge deductible (like $2500 per person, $10000 for the family) plus I'll have to pay 20% of all bills after the deductible...so yes, I might be able to save $400 a month with the exchange plan, but it's a much WORSE plan and it will end up costing me more out of pocket because of the deductible and coinsurance costs. I think that when they made the new plans they forgot the promise "IF YOU LIKE YOUR CURRENT PLAN YOU CAN KEEP YOUR CURRENT PLAN". Because I cant' keep my current plan, which I do like (I didn't like the price, but I did like the plan, and it was my CHOICE, now I don't have that choice)

When did you hear from BCBS? We are self employed as well and have a top of the line, premier policy with BCBS of VA. Ours renews in July and at that time, we had about a $40 increase but haven't received anything else since all this ACA stuff went live. Wondering if I should call so I'm prepared or just keep ignoring it and pay my premium each month as usual.

ETA: I have a friend whose family is also self employed and BCBS terminated their coverage? Scary!

 

[ZehnJahren]

We have company-wide enrollment this month, but in our "primer" information we were told our cost was going up 9-10% and that our deductibles would be going up as well.

 

[wdwmom0f3]

We have Federal BCBS as well. It will go up 3% next year. http://www.bcbs.com/healthcare-news/bcbsa/bcbs-fep-adds-dental-benefits-and-wellness-tools-while-maintaining-minimal-growth-in-rates.html

I asked my husband about it this morning and that's what he said too. I'm glad it's just 3% for now, but I am very worried for others in my family.

 

[cali_crafter]

From 390 to 520. We could get it cheaper on the exchange if we were able to.

 

[JennyKS]

I've worked for the same company for 21 years. Have had the same Blue Cross and Blue Shields of Michigan for the last 21 years. EVERY year our insurance has increased some. The last 5 years I saw the worst change in our plan. High doctor visits, higher prescriptions, large deductibles, etc. That being said I pay $120 a month for me and 2 kids. Work pays the rest. For the FIRST time in 21 years we will see NO change in cost or plan.

I did just have a baby (May 2014) and he was pretty much a healthy baby. He did spend 12 hours in the NICU for some blood sugar issues but my out of pocket expense (after insurance) for him and my c-section delivery set me back $10,000.

 

[okeydokey]

Mine will stay the same.

 

[angierae]

Mine will stay the same because my employer pays 100% of our premiums and this isn't going to change. (We're less than 50 employees so most of the ACA changes doesn't apply to him, but my boss pays 100% of coverage for all his employees and has done so for years.)

 

[lost*in*cyberspace]

We find out in about 3 weeks but what you posted is really frightening. Ours is already $800 a month.

Our health insurance costs us $547.68 a year (retired military), plus small copays for some office visits.

 

[danygirl]

I had no increase. Open enrollment is now. I work for the state. We had an open enrollment in July for 6 months jul-jan and now we are doing jan to jan.

Dh works for a company that has paid him 1500 per year to be on my insurance instead of theirs. His open enrollment was July and we got the check in August. Hoping it stays the same next year.

We had years where we paid 900 per month for crappy insurance so we have greatly appreciated our situation the past few years and are hoping it stays the same!!

 

[scrapquitler]

When did you hear from BCBS? We are self employed as well and have a top of the line, premier policy with BCBS of VA. Ours renews in July and at that time, we had about a $40 increase but haven't received anything else since all this ACA stuff went live. Wondering if I should call so I'm prepared or just keep ignoring it and pay my premium each month as usual.

ETA: I have a friend whose family is also self employed and BCBS terminated their coverage? Scary!

We are in CT. They sent me a letter last week.