UGH!!! Health Insurance! How Much Did Your Premiums Go Up?

[Dznypal]

The good thing is our only went up $7 a month. The bad thing is my com was taken over. And reduced staffing since I didn't trust the new com I put in for retirement but a little too young for social security but the good thing the com put down since they reduced staffing put me down as job elimation reorganization I can collect unemoyment so the good news insurance went down. But so did our income. If I would stayed working it would have went up 75$ a month. I hate dealing with insurance

 

[Keacc]

I am retired and on medicare.

My wife has BCBS silver PPO going up 114%. That is with a $3,000 deductible! $995/month for my wife up from $464/month).

I have social security, a part time job (186 days per year for 4.5 hours per day. My wife works part time (25 hours per week.

We make $1,200 too much to qualify for Obamacare. REALLY?

 

[Vijoge]

UGH!!! Health Insurance! How Much Did Your Premiums Go Up?

Ours actually went down. Premiums are lower, and VERY reasonable, and there is now $0 co-pay for my many medications. (OOP, my meds would cost about $2000 per month.) We have insurance through DH's employer.

 

[wilkeliza]

Just got ours. My PPO plan is going down 200 a month. Nice little adjustment that will help out since some other stuff went up this year.

 

[Calee]

Mine went down $13/month.

 

[Jen and Ashwin]

Mine went up just $5 per month. We gained some new benefits too. And DH also got a job, so I was able to take him off of my insurance, saving us over $200 per month. That will help for next year.

 

[cathyce2]

The company I have been with for several years is pulling out of FL. I was paying $435 a month (for just me). Comparable coverage would be $790 per month. I'm changing company and downgrading to a plan with a $6200 deductable for $444 a month. Also interviewing new doctors because none of the ones I've been wiht for years take the new insurance.

 

[manning]

The company I have been with for several years is pulling out of FL. I was paying $435 a month (for just me). Comparable coverage would be $790 per month. I'm changing company and downgrading to a plan with a $6200 deductable for $444 a month. Also interviewing new doctors because none of the ones I've been wiht for years take the new insurance.

Many forget about the deductibles. I hear some are going as high as $15,000 a year.

 

[wendow]

Many forget about the deductibles. I hear some are going as high as $15,000 a year.

Yep. Ours is 10k a year plus all premiums. We hit somewhere around 15k before insurance kicks in at all. No big deal if you are healthy but I have a dd who is chronically ill for the last 18 mos. We will hit $8k here soon and insurance still will not have paid one cent. It is frustrating. We've had regular medical insurance that we have paid for the last 20+ years and now, when we finally need it, it isn't really there for us. Meanwhile, I know people who have never paid for insurance but it is paid for them now through Obamacare and they are paying nothing.

 

[Bree]

Meanwhile, I know people who have never paid for insurance but it is paid for them now through Obamacare and they are paying nothing.

That's because they are very low income.

https://www.healthcare.gov/glossary/federal-poverty-level-FPL/

 

[Dakota731]

Meanwhile, I know people who have never paid for insurance but it is paid for them now through Obamacare and they are paying nothing.

Yeah that's because we are all paying for them

 

[wendow]

That's because they are very low income.

https://www.healthcare.gov/glossary/federal-poverty-level-FPL/

And many simply choose to not work.

 

[wendow]

Yeah that's because we are all paying for them

Right, those of us working everyday can barely afford insurance anymore.

 

[Bree]

I'm not really interested in getting into a debate about who deserves what, but not everyone who is low income is scamming the system. My mother and her DH through a series of devastating events qualify for better health insurance now due to the ACA. They are not losers who refuse to work or are scamming the system. They lost their life savings, retirement accounts and their house. I'm happy Obamacare is there for them.

 

[LoveBWVVBR]

I'm not really interested in getting into a debate about who deserves what, but not everyone who is low income is scamming the system. My mother and her DH through a series of devastating events qualify for better health insurance now due to the ACA. They are not losers who refuse to work or are scamming the system. They lost their life savings, retirement accounts and their house. I'm happy Obamacare is there for them.

For sure, but wasn't Medicaid there for these situations before Obamacare? I know enough people who ARE scamming the system to say that it's a problem. I have no idea how to fix this broken system and still provide for those who are truly in need, but I sure hope someone figures it out.

I've been reading various posts about high premiums from this thread to my DH. He keeps bringing it up because he is just floored by what people have to pay for insurance I am too, but I'm not as shocked as he is. I'm not sure what he thinks his employer pays for insurance, but I'm sure it's hefty.

 

[nancygirl1]

Yep. Ours is 10k a year plus all premiums. We hit somewhere around 15k before insurance kicks in at all. No big deal if you are healthy but I have a dd who is chronically ill for the last 18 mos. We will hit $8k here soon and insurance still will not have paid one cent. It is frustrating. We've had regular medical insurance that we have paid for the last 20+ years and now, when we finally need it, it isn't really there for us. Meanwhile, I know people who have never paid for insurance but it is paid for them now through Obamacare and they are paying nothing.

That's disgusting! How do you do it!!

 

[Bree]

For sure, but wasn't Medicaid there for these situations before Obamacare? I know enough people who ARE scamming the system to say that it's a problem. I have no idea how to fix this broken system and still provide for those who are truly in need, but I sure hope someone figures it out.

I've been reading various posts about high premiums from this thread to my DH. He keeps bringing it up because he is just floored by what people have to pay for insurance I am too, but I'm not as shocked as he is. I'm not sure what he thinks his employer pays for insurance, but I'm sure it's hefty.

Yes, there was medicaid before the ACA, but income qualifications were much different. My mom doesn't get totally free care, but she has a very low monthly premium. She also has doctor & RX copays. Before the ACA they had too many assets (disability income, money in their bank account & vehicles!!!) to qualify for any help, but now with the ACA guidelines they can be covered.

If you know for a fact someone is scamming the system you can report them to the state. Just google how to report welfare fraud and the state that you live in. Here in FL it's an online form and you are eligible for a reward if the person you are reporting is found guilty of fraud.

 

[AlohaNow]

Ours increased 18%, which is typical. Each year over the past ten years we have had this plan it has gone up 16% or 17% a year. So this was expected. Deductible is $5,000 per person, $10,000 family max for the year. We are grandfathered under a pre-ACA plan so there is some stuff that it still does not cover. We are perfectly fine with this, as we have pulled quotes from our state's exchange and if we had to buy on the ACA marketplace, well, we simply would not be able to purchase insurance and would have to take the tax hit.

 

[wendow]

That's disgusting! How do you do it!!

Well, the honest answer is that we are struggling big time because of this. We will be paying medical bills off for many years to come. Thank goodness that we are able to carry this debt interest free or we'd have to exhaust our savings to avoid interest fees.

ETA: While I am extremely frustrated with the state of health insurance and the financial burden that has been placed on us and so many others due to the ACA, the hardest part of all this has been having a chronically ill child. My focus is getting her well and then I will worry about paying off the gazillions of dollars we owe later.

 

[aprilgail]

And for those who work for the government or have union plans, I'm jealous. You guys seem to be insulated from the cost increases.

I hated my job for 30 years- but I stuck with it because of the benefits and the pension. Not many places you can retire at 50 and start collecting a pension for the rest of your life. Plus they pay 100% of my medical even as a retiree. The plan is excellent. There is like a 200.00 out of network deductible but i have never had to pay that because just about every dr takes our plan. My daughter just had a perscription that was 1300.00 and i paid a 30.00 co-pay for it which was high most co-pays are a lot less than that though-usually 10 and under. I do pay a 20.00 co-pay to see a dr though and 20 for a specialist.