Health Insurance rates... - page 2

by HippyDippyLPN 3,345 Views | 31 Comments

At my new job are crazy high! Although I am not working at the actual hospital, I am at one of their physician's offices, it's the same cost for all employees in the whole system. For an HSA, 3k ded, family coverage, is... Read More


  1. 2
    $850 a month would be the price for me with family coverage. Luckily, my husband has excellent insurance and we use his. In my area, all nursing jobs have bad insurance. Ironic, when you can't afford to go to the hospital you work at.
    Not_A_Hat_Person and IowaKaren like this.
  2. 0
    Is it better to get insurance through your employer or just buy it yourself? I don't have any insurance as of right now but want to get some sort of insurance in case something happens. I am single with no kids so it would be just for me. When my employer had open enrollment it stated it would be give or take $130 per pay period so that's about 260+ a month. When I looked at individual insurance plans online. There were plans for give or take $150 a month.
  3. 0
    I ended up getting insurance for myself with blue cross blue shield of Texas for $110/month. I am generally healthy and don't go to the doctor often so I chose a plan in case of emergencies or a catostrophic event. Deductible is 2500 then coinsurance is 25%. Out of pocket limit is deductible plus 3000. So most I would pay out of pocket annually is 5500 of something bad ever happens to me. I hope I chose a decent. It also covers preventative care 100%.
  4. 0
    Quote from vle4
    Is it better to get insurance through your employer or just buy it yourself? I don't have any insurance as of right now but want to get some sort of insurance in case something happens. I am single with no kids so it would be just for me. When my employer had open enrollment it stated it would be give or take $130 per pay period so that's about 260+ a month. When I looked at individual insurance plans online. There were plans for give or take $150 a month.

    So was mine, but when the deductible reached $10,000, I finally gave up my private plan. I'll get an Obamacare plan January 1. Free.
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    Just so you know, your employer is subsidizing those premiums. Were you to lose your job and go on COBRA for a period before you had another employer, you'd find out just how much your family premium really is. Count on it being at least 50% higher, and maybe double.

    The ACA requires many preventative services to be free, with no deductible (like annual well-woman exams, colonoscopy, and others). Also, health insurance companies can no longer turn you down for a previous health condition (or charge you more because your previous condition is being female), and they must prove they are spending 85%+ of the premium they collect on health care and not overhead, executive bonuses and perks, etc.

    I am self-employed and live in MA, so I am required to carry health insurance on myself. I buy it through a very loose association of small businesses and I still pay about $700/month just for me...it's a pretty decent plan with a pharmacy benefit but that total's not counting the coinsurance and deductibles and the out-of-pocket annual maximum. Sorry, no sympathy here.
  6. 1
    Quote from vle4
    Is it better to get insurance through your employer or just buy it yourself? I don't have any insurance as of right now but want to get some sort of insurance in case something happens. I am single with no kids so it would be just for me. When my employer had open enrollment it stated it would be give or take $130 per pay period so that's about 260+ a month. When I looked at individual insurance plans online. There were plans for give or take $150 a month.
    It depends on what each plan covers. The private plans may cost less per month but have a higher deductible and/or co-pay and may not cover the same things as the plan through the employer.
    Not_A_Hat_Person likes this.
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    Quote from GrnTea
    Just so you know, your employer is subsidizing those premiums. Were you to lose your job and go on COBRA for a period before you had another employer, you'd find out just how much your family premium really is.

    Which is why next year, lots of employers are going to opt to pay the penalty of $2000 or so per employee per year, rather than provide group coverage for $6000-10,000. Do the math.
    Not_A_Hat_Person likes this.
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    Be careful, cause in some states what you would pay in state income tax penalties for not having health insurance is a lot more than just taking a plan. I pay $15.00 for a doctor visit, have pretty good insurance for prescriptions, my ER cost is up to $100, only $500 deductible for hospitalization, and no lifetime limit--which is good, considering the high cost of hospitalization, and the fact that a lifetime limit can be used pretty quickly. A family plan plus a good plan for dental is $850 per month.
    Not_A_Hat_Person likes this.
  9. 0
    Quote from GrnTea
    Just so you know, your employer is subsidizing those premiums. Were you to lose your job and go on COBRA for a period before you had another employer, you'd find out just how much your family premium really is. Count on it being at least 50% higher, and maybe double.

    The ACA requires many preventative services to be free, with no deductible (like annual well-woman exams, colonoscopy, and others). Also, health insurance companies can no longer turn you down for a previous health condition (or charge you more because your previous condition is being female), and they must prove they are spending 85%+ of the premium they collect on health care and not overhead, executive bonuses and perks, etc.

    I am self-employed and live in MA, so I am required to carry health insurance on myself. I buy it through a very loose association of small businesses and I still pay about $700/month just for me...it's a pretty decent plan with a pharmacy benefit but that total's not counting the coinsurance and deductibles and the out-of-pocket annual maximum. Sorry, no sympathy here.
    Am not trying to start a debate or cast doubt on your word, but the provisions mandated by the ACA may be *free* on paper but make no mistake somewhere, and somehow someone is going to pony up.

    Obama and others would like us all to believe they've tamed those big bad insurance companies and that they will provide all these new services out of the kindess of their hearts. However anyone who has followed that industry carefully over the years knows that isn't likely to happen.
  10. 1
    I lived for over a decade in Florida and had worked for a couple of the big medical insurance companies before going into nursing.

    I couldn't afford health premiums or the out of pocket expenses on my part-time LPN income. And I knew that health care costs were only going to keep on rising.

    So...I moved back to western Canada 2 years ago for many reasons.

    Now I have FREE healthcare...well its paid by our taxes. What I pay in taxes a year doesn't come close to what some of you pay in premiums and out-of-pocket.

    Our healthcare system isn't perfect but it does work and I know that if I'm sick and go to the ER I'm not going to be billed.

    I've been following what's going on in American healthcare....things really aren't going to get much better and health premiums and out of pocket will continue to rise.
    Not_A_Hat_Person likes this.


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