What do you pay for health insurance?

[thyme4change]

Tell us what you pay annually, how many people that covers, and the source.

I currently pay $8,200 annually for my family of 4. That includes dental and vision.

I get the insurance through work, and my employer supplements the plan. Box DD on my W2 says $18,834 for last year, so does that mean they supplemented $10k?

[engineerdoe]

I would imagine at the end of the year if everybody added up their premiums and actual medical bills, copays and the like they would come out to roughly $5,000 a person.  $10,000 if they actually meet their out of pocket maximum.
This is whether you are on a PPO or HSA/High Deductible plan.  The only difference between the two is cash flow.  You pay the same amount at the end of the year.  Maybe less if you are super healthy and have the HSA plan.

[Knee Deep in Water Chloe]

We each pay ~$1200 per month. For my plan, That covers me, DH, and the two children we have still under age 26. There would be no additional cost for any more children. That is health, dental, and vision. We choose the lowest premium as we’re typically healthy people and the differences between the packages are different enough to justify a higher premium. That amount is covered as part of my salary package. It leaves about $150/month that goes into an HSA.

DH’s plan is the same except his doesn’t cover me. It will for an additional $510/month. Since I have my own plan, I don’t sign up myself for his. Essentially, everyone but me is double covered.

With the employer coverage, we are not allowed to look for health insurance in the exchange. Our limitations in that regard frustrate me. I’m also frustrated because we can’t take one of our benefits packages as cash or entirely in the HSA.

I am grateful we have decent health insurance though.

[Deleted]

4K/year for myself and the two kids.  Medical and dental.

[movingforward]

My workplace covers my premium, nothing out of my pocket. The cost to the company is around $500 a month per employee.

We have a $2500 deductible but my company reimburses everything over $500.

[hoops902]

I pay about $100/year for my insurance. That covers medical, prescription, dental, and vision. I have a 2500 deductible, but most of my actual expenses end up getting paid out through my HSA where my employer ends up contributing about another $500/year based on a few incentive programs. This I just for me alone (wife and kid are on her insurance).  If all 3 of us were to be on my insurance, it would be about $5k/year (the cost to the employee of covering only them vs a family is enormous).

I'm fairly healthy and rarely go to the doctor.  Biggest "medical" expense this year has been getting a pair of glasses that cost me $120  (insurance paid for 1 pair, I wanted a 2nd pair with sunglasses).

[lynnerself]

About $1400 a month for 2 for good coverage medical and dental with good prescription benefits Retiree health plan with the State. About 2 years until we get Medicare.Fortunately there has been minimal increase in cost for the last 2 years since retirement.

"I get the insurance through work, and my employer supplements the plan. Box DD on my W2 says $18,834 for last year, so does that mean they supplemented $10k?"
Yes

[milee]

Just over $15k a year for a high deductible ($6000 deductible) plan for DH, 2 sons and myself.  No dental, vision or prescription coverage.

BTW, PPO and high deductible aren't either/or situations.  My plan is a high deductible plan but I access the network of PPO providers.  

[Cookies Galore]

I pay $2670 a year for myself and husband. The annual premium is $21,080, so work pays $18,410. This is health and vision. Work does also cover dental coverage.

Logged into my insurance site it shows we have spent $986 out of pocket this year. My portion of that is $939, but now that I am done PT from my surgery I most likely won't hit the $1,000 OOP max. Would have been fun to do that for the first time! Copays are $15, which add up if you're doing therapy for nearly 7 months.
Individual OOP max is $1,000 and family is $2,000. No in-network deductible. Out-of-network deductible is $250.

[Deleted]

Oct 13, 2017 12:21:49 GMT -5 Knee Deep in Water Chloe said:

We each pay ~$1200 per month. For my plan, That covers me, DH, and the two children we have still under age 26. There would be no additional cost for any more children. That is health, dental, and vision. We choose the lowest premium as we’re typically healthy people and the differences between the packages are different enough to justify a higher premium. That amount is covered as part of my salary package. It leaves about $150/month that goes into an HSA.

DH’s plan is the same except his doesn’t cover me. It will for an additional $510/month. Since I have my own plan, I don’t sign up myself for his. Essentially, everyone but me is double covered.

With the employer coverage, we are not allowed to look for health insurance in the exchange. Our limitations in that regard frustrate me. I’m also frustrated because we can’t take one of our benefits packages as cash or entirely in the HSA.

I am grateful we have decent health insurance though.

Did you mean to say that together pay $1200 per month?

Otherwise, why wouldn't you just decline coverage under one of the plans?  It sounds like it should be your husband's.  You don't need the double coverage because you said you guys are typically healthy people.

If something happened (death, divorce, unemployment), it would be a qualifying event (or whatever it is called), and your husband could pick his back up.

We pay $352 for family coverage.  My share is $35 a month.  (Yes, that is extremely low.)  DH also pays the $100+ (I don't pay it so I don't know it off the top of my head) for Medicare.

Our insurance is extremely good most of the time.  The only bobble was the coverage for therapy, and that got straightened out.

[HoneyBBQ]

0. I have the high deductible plan and the health incentive which waives my contribution since I'm fit/non-smoker/get my flu shot/whatever. 

As an individual.

Spouse has a family plan that covers DD and himself and his other eligible child. I actually don't know what he pays.  Maybe 5 hundred a month since he's on the low deductible/pays for everything plan. 

[alinal]

$960/year for one person. Includes dental. I optionally added vision for $78/year.

Offered through work, heavily subsidized.

[NastyWoman]

$1500/yr for me alone ( I started saying just me but decided that would raise some eyebrows )through work. Dental adds another $200/yr.  My co-pays are less than $300/yr but that is because I tend to be healthy. They are capped at $3k

ETA: vision is included under health

[swasat]

$350/month or $4200/year for a family of 4. Includes health, vision and dental. HDHP plan with HSA, no copays for visits or prescriptions.

All routine well checks and routine vaccines for the kids are 100% covered.

[Blonde Granny]

My Medicare is $104/mo. My Medicare supplement is provided by the VA through a program called ChampVA. My Part D is also provided by ChampVA. Both ChampVA are provided at no cost to me.

I do not have eye coverage or dental coverage, all that is paid out of pocket.

[The Walk of the Penguin Mich]

Our insurance costs us $400/mo with a $1500 deductible and $6500 OOP max.  Total cost for insurance would be $1600/mo, which includes dental.  So employer subsidizes about $14,400/year.

[chen35]

$7800 per year for the family plan, includes dental and vision. $1500 deductible and $7000 OOP max. My company charges premiums based on salary, so it's about half that cost if you are in the lower salary band.

[giramomma]

I'm on a HDHP plan..Our family rate is $89/month. We have to pay 3K in bills before copays hit. Our OOP max is 5K. Work contributes 1500 to my HSA. That includes vision and basic dental. I have an additional dental rider on myself for an extra 15 or so a month.

Next year, we are moving back to a HMO plan, I think. We'll pay $219/month for family care. I don't know what the numbers are for OOP max and co pays and what not. Dental and vision included.

I've also gotten one $500 COLA raise in the past decade.

[dee27]

DH and I paid premiums of $8411 for Medicare Part B,C and D for 2017. My Part B was more expensive than DH's by $324/yr. because I have a pension. In addition, I pay co-pays for four prescriptions and hit the donut hole by September; then I pay higher prices for all of my scripts for the last 4 months of the year. I have not totaled my yearly drug costs yet because the provider keeps changing the website. We also paid out of pocket approximately $23,000 in dental bills.

The COLA on my pension is the same as percent as SS recipients, but my increase does not start until July of 2018 because I have a fall birthday.

Our projected premium costs for 2018 are $9207, an increase of $796 ($388 for Part D and $435 for Part C, but my Part B decreased by $25 for the year).

[midjd]

I pay $1300ish a year for my HDHP (family coverage). That's with the super-wellness plan where I jump through all the privacy-invading hoops and get fired if I smoke, otherwise it'd be closer to $2K. My employer pays about $16K and chips in $2500 to the HSA. Deductible is $5K and max OOP is $8K.

My MIL also works for the state and, for many years, the insurance portion of her benefits package exceeded her gross salary. The PPO totals around $30K between employee and employer. 😳

[Tennesseer]

From 1975 until around 2000, I paid no monthly premiums through my employer provided health/dental/eyecare plan. Excellent coverage. Around 2000, I think I started paying around $20 a month premium and the monthly rate remained the same until I retired in 6/2004.

After that, I started paying $100 a month for my employer provided retiree healthcare. Then the monthly premiums started climbing each year. The last month I was on my employer provided retiree health care plan (4/2016), I was paying $605 a month in premiums or $7260 a year and that was just for myself.

I have been on Medicare since May, 2016. The only really good thing about turning 65 was going on Medicare and lower premiums for similar coverage I had during my working years.

[zibazinski]

I pay $900 a month, 6k deductible, and have one choice. So they have a monopoly. My insurance guy says I need to expect a 9 to 24 % increase in premium. I’m praying there will be a major medical plan I can buy into. Or some other way to avoid this catastrophe. More than my mortgage, it blows the mind. I see the doctor once a year. I can pay cash for that.

[jeffreymo]

4060/yr for family of 5. Company pays 14,000.
800/1600 deductible 80/20 after that. 3000 out of pocket max.
Free annual exam.

[econstudent]

My annual premium will be just under $2,000 next year. It covers me and my family with medical, dental and vision. Deductible of $700 for the family.

[ners]

Single coverage I pay 612 company pays 3975.  HSA with a 3000 deductible.

Company adds 180 to HSA and up to  300 more for doing wellness activities.

Dental another 530 for dental and eye not subsidized by company.

[zibazinski]

So basically if you’re employed, you’re subsidized by your employer.

[weltschmerz]

I don't know.
They take taxes out of my paycheque, but I have no idea how much is for health care.
No deductibles, premiums or co-pays.
Nothing out of pocket at point of service.

[Deleted]

Premiums are just over 1700 a month, so 21k. There was no hsa plan on or off the marketplace in this county this year. I do get a subsidy, in that at the end of the year they adjust my taxes. I'm never sure by what. 

Im thinking I might apply to jobs now. Chip has not been reauthorized and daughter will not likely qualify on the individual market going forward, if they even exist after this week settles in...

[steph08]

DH and the kids are on his insurance. $572/year for our part. Deductible is $700. He works for our state.

I pay around $2k/year just for me.

[cktc]

$2600/year for a family of three, soon to be 4, through Tricare Reserve. Family deductible is $300, I think the OOP Max is $1000.

Vision and dental we do through his work. Somewhere around $12/month? I really can't say for certain  

His work insurance is awful and my job doesn't provide it. I love our current plan, but it makes me really anxious having to rely on DH staying in the military.