Skyrocketing health insurance costs-This is crazy!

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I'm leaving my hospital job where my insurance is very good and very cheap. I only pay $120 biweekly for the best plan and for myself and my kids. I'm going to a home health company and just got a copy of the benefits package. The employee portion of the insurance is $390 biweekly for myself + children. If I were to need to put my husband on it, it would cost over $700 biweekly (that's 1400/month!!!) for the family. This is outrageous! Has it been like this? Before nursing school I was working in a bank and was paying about $180 biweekly for the whole family in 2010. We are going to be using my husbands insurance instead because it's cheaper for the family it's $340 biweekly. Still, that's $680 we are paying monthly for health insurance and that is after the employer paid portion is discounted. I just wonder how people who make much less than we do even manage?! I'm afraid it's only going to get worse too. It's so disheartening! It seems like we are making more than ever (gross income before taxes), but insurance is going up at a fast rate, fuel costs are higher, food costs are higher, everything is higher. I just wonder how anybody ever really gets "ahead"!

Specializes in Pedi.

I'm paying less than ever for health insurance ($23 every other week).

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Specializes in NICU, PICU, PACU.

Wow, that is great. Our insurance premiums are tied to achieving certain goals set by Employee Health Programs. Have 5 goals and only meet 4 your insurance goes up.

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Specializes in RN, BSN, CHDN.

My hubby works for the state and gets great benefits-yesterday he came home with paperwork which informed us that I have to take insurance from the company I work for!

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Specializes in Critical Care, ED, Cath lab, CTPAC,Trauma.
My hubby works for the state and gets great benefits-yesterday he came home with paperwork which informed us that I have to take insurance from the company I work for!
So the government is cutting benefits as well to put more on the little guy....how shocking....:sarcastic:
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Specializes in Oncology; medical specialty website.
HouTx is located in Houston, Texas (hence the user name of HouTx). :)

And the Governor Goodhair to whom she refers is none other than Rick Perry.

​LOL...I hadn't heard that one before!

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Specializes in PCCN.
I just wonder how anybody ever really gets "ahead"![/Quote]

Not getting ahead at all.

Middle class is DEAD.

I was further ahead 10 years ago in my previous job, and that made 10 dollars an hour less than what I make now.

:no:

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Specializes in L&D.

For me to cover my husband it was super high, so I chose to just cover my husband and our kids.

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Specializes in RN, BSN, CHDN.

We are going to be so much poorer, as his benefits were really good but his pay is awful $13 an hour so now it doesnt seem worth it for him to stay there!

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I'm leaving my hospital job where my insurance is very good and very cheap. I only pay $120 biweekly for the best plan and for myself and my kids. I'm going to a home health company and just got a copy of the benefits package. The employee portion of the insurance is $390 biweekly for myself + children. If I were to need to put my husband on it, it would cost over $700 biweekly (that's 1400/month!!!) for the family. This is outrageous! Has it been like this? Before nursing school I was working in a bank and was paying about $180 biweekly for the whole family in 2010. We are going to be using my husbands insurance instead because it's cheaper for the family it's $340 biweekly. Still, that's $680 we are paying monthly for health insurance and that is after the employer paid portion is discounted. I just wonder how people who make much less than we do even manage?! I'm afraid it's only going to get worse too. It's so disheartening! It seems like we are making more than ever (gross income before taxes), but insurance is going up at a fast rate, fuel costs are higher, food costs are higher, everything is higher. I just wonder how anybody ever really gets "ahead"!

The people who make less either use spouse insurance Medicaid or go without and pray they do not get sick. Welcome to America where insurance can charge whatever because there is no federal standard on the rate just bare minimal coverage.

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Specializes in NICU, PICU, PACU.

Many places are making spouses drop their husband/wife if they have insurance coverage where they work. Several colleges in this area already told their employees this. I hope this doesn't happen to us! My hubby's insurance costs more than mine would but we never have to wait for appointments and I can get same day appointments at the 6 outpatient places around us...each only 10 minutes away!

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I am in HH as well and I pay 64 bi weekly for myself. I did not add my son or husband because it would be $1300 a month for them. I plan on getting my son a policy with the new healthcare plan at $84 a month. My husband will be paying the fine. He has never had insurance. I refuse all this. For car, home, health, life, dental, disability, nursing insurance I am TAPPED OUT! I pay more on insurance combined than any other aspect of my life. Its insane!

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