How much is YOUR Ins. going up in January?

[Chief Powhatan]

I am on the team that administers our company's health insurance and benefits. After 6 years of increases in the 20+% range, this week we got a renewal quote from BCBS of GA that was essentially flat to this years' premiums. My position was to accept the renewal ASAP before someone at BCBS realizes they made a mistake!

 

[mistysue]

The overall amounts that both my employer and DH's employer pay for our policies both go down for next year. (as in, same policy and rates are down) Are some of you seeing increases seeing a decrease in the portion your employer pays? Or is the actual cost of the policy going up?

DH's employer is also decreasing the amount we pay by nearly 25%. We will have an extra $2400 to kick around next year.

 

[Pakey]

Unknown. I'm the person responsible for shopping insurance where I work. Our current plans do not meet the ACA requirements and we are anticipating huge rate increases but the carrier is unable to give us new rates yet. I'm shopping self insured plans for the company but I have a feeling that I will be recommending to the corporate Board of Directors to drop insurance and have the company pay the penalities. Current rates are almost $1000 per month per employee for single plans; we quit paying family coverage due to cost a few years ago.

I may be shopping private insurance for myself. My age, income level and medical history all work against me.

 

[NHTikiBeckie]

Ours is already $950 a month, no idea if it is going up yet.

 

[texaslady22]

We found out today our monthly payment is not going up. However, our individual deductible is going from $400 to $500 and our family deductible is going from $800 to $1000.

The worst part, though, is that therapy is limited to 30 session a year total (combined). My son gets occupational, physical, and speech therapy WEEKLY! So, we're good for 10 weeks next year.

 

[chicagodisneyfan]

We pay under $100 a month for medical, dental, vision, life insurance on him and me, and long term disability. It will go up $8 a month from what I can tell.

But he works for a great company!

 

[Marionnette]

We found out today our monthly payment is not going up. However, our individual deductible is going from $400 to $500 and our family deductible is going from $800 to $1000.

The worst part, though, is that therapy is limited to 30 session a year total (combined). My son gets occupational, physical, and speech therapy WEEKLY! So, we're good for 10 weeks next year.

I hate to ask this...but what happens after those first 10 weeks? Will your OOP expenses for therapy go towards your deductible and is there co-insurance after that (as in: you pay 20% and insurance provider pays 80% of the cost of the therapy)?

 

[momto2girls]

Insurance for our family of 4 was $1600/month. It is now going up 26%.

 

[jeepnx01]

We found out today our monthly payment is not going up. However, our individual deductible is going from $400 to $500 and our family deductible is going from $800 to $1000.

The worst part, though, is that therapy is limited to 30 session a year total (combined). My son gets occupational, physical, and speech therapy WEEKLY! So, we're good for 10 weeks next year.

My insurance through work is $2500 for single $5000 for family and is expected to increase starting January 1 !

 

[kjpotter]

Staying the same.

 

[McKelly]

Our insurance was $600.00 a month for a family of 4, $3000.00 per person deductibles. It only went up to $630.00 - no other changes that I know of. I am hoping it stays that way! Some of you are experiencing HUGE increases! I feel for you guys!

 

[aprilgail2]

I'm waiting to hear whats going to happen with my mothers insurance. No clue if mine is going to cost more or not, I don't even know what it costs-my job covers it 100%.

 

[wendow]

We found out today our monthly payment is not going up. However, our individual deductible is going from $400 to $500 and our family deductible is going from $800 to $1000.

The worst part, though, is that therapy is limited to 30 session a year total (combined). My son gets occupational, physical, and speech therapy WEEKLY! So, we're good for 10 weeks next year.

Ours only covers 20 sessions and my ds also had therapy multiple times a week. We applied to the Scottish Rite program and basically got the cost partially covered. The per session cost was more than our copay (which was $50 per session) but less than paying for the full session.

We did all those therapies plus feeding.

 

[Katlyn]

We got ours today. We are paying 221.25 now, in Jan. it will increase to 355.28. Hubby is retired from ATT and we have BCBS for coverage. No change in deductibles that I can tell so far.

 

[peainapod]

I am afraid to find out

 

[scbelleatheart]

Ours looks like it will stay about the same. $1,500 or so a month with $5,000 deduct single/$10,000 family, $10,000 co-insurance, $25,000 OOP max for 2 adults. The exchange is the same price. But the plan doesn't meet the ACA requirements so we'll just drop insurance and pay the fine.
Take that times 10 because we have always paid 100% for our employees. It will close our business. Thank heavens we have planned for retirement, just not this soon. Hate to close a business after 65 years but we have no choice. Our employees deserve better though!

 

[MinnieLovesMickey12]

Our employer provided health insurance policy may be completely changing they are not sure yet but the portion of the premiums we pay is going to double. A 100% increase. The policy was already $900 a month as it was just covering Dh and I. We paid $150 a month. We will now be paying $300 a month for basically the same coverage possibly a much higher deductible.

I am just thankful they aren't dumping us onto the exchanges.

Those policies suck. The 60% plan still has you paying 40% of a hospital bill with a $3,000 deductible. That is enough to bankrupt a family or ruin their credit from not paying medical bills. The policy is useless to ppl.

 

[Keli]

Between higher premiums, higher copays, higher deductibles, higher coinsurance I expect to pay about $2,500 more next year for the same level of medical care as last year. Yay me.

 

[mom2val]

.

 

[wendow]

Ours looks like it will stay about the same. $1,500 or so a month with $5,000 deduct single/$10,000 family, $10,000 co-insurance, $25,000 OOP max for 2 adults. The exchange is the same price. But the plan doesn't meet the ACA requirements so we'll just drop insurance and pay the fine.
Take that times 10 because we have always paid 100% for our employees. It will close our business. Thank heavens we have planned for retirement, just not this soon. Hate to close a business after 65 years but we have no choice. Our employees deserve better though!

How sad