Health insurance costs

Ashtimus Prime · Mar 23, 2017

Thanks ahead of time.

elkpark · Mar 23, 2017

There's no single answer to that question. Insurance costs vary greatly around the country, and in urban vs. rural areas. Additionally, no one knows what is going to happen going forward with the GOP attempts to make changes in the system.

TheCommuter, BSN, RN · Mar 23, 2017

I'll bite...as a single person with no dependents or spouse, I pay $67 every two weeks for employer-sponsored health insurance (PPO). I'd rather not mention the name of the insurance company since this entity is also my employer.

I pay about $4 every two weeks for a dental PPO and another $4 every two weeks for a vision plan.

Atl-Murse · Mar 23, 2017

You need to provide more details , are buying via employer or private? pre existing issues? what part of the country? basic coverage or the frills ? High or low deductible? You need to educate yourself more on how insurance operates and come back with a more sensible question

**NICU Guy, BSN, RN** · Mar 23, 2017

Many large hospital systems are actually self insuring, meaning that they are insuring their own employees and not the insurance company. They structure your insurance plan so that you have the lowest co-pay and deductible when using their hospitals, clinics, and doctors and higher co-pay and deductible for using competitor hospitals, clinics, and doctors. It is a way for them to manage your premium and their cost. They pay a big insurance company to manage the hospital system's insurance plan for them.

Another factor is that every company negotiates the premiums and coverage with the insurance company. The more employees, the move leverage they have with negotiating the premium with the insurance company.

The final factor is the portion of your total premium that you pay versus your employer pays. Some pay more of your premium than others.