So Who Else Is Paying $1000/month For Health Insurance?

[CoolHandLuke]

Very fortunate that my health insurance is paid for 100% by my company. This policy includes my wife and kids under 25.

Sent from my SAMSUNG-SM-G935A using Tapatalk

School superintendents get free healthcare?

[miket]

Wow! I had the Cadillac plan for years until Obama care started charging my employer 12k per person. Now we have 80/20.

Yep, me too. Once that went into effect we had to start paying a portion. Then more and more every year. Dont blame my ( former ) employer one bit. They held out as long as they could.

[gingib]

Wow! I had the Cadillac plan for years until Obama care started charging my employer 12k per person. Now we have 80/20.

SAME!

Worst part is liberal morons will still defend him and say he is good.

It all started with him, and if it was this only he did I would still be mad

[zappmaster]

I had brain cancer. Good luck trying to find a plan if you have a have condition.

[RiverRat1]

Holy cow! I'm going worthless bronze for only $22k per year for my wife and I. Before Ocare we paid 10k a year for great insurance.

Remember back in the day when a person could choose to eat healthy, work out, take care of themselves, not do drugs etc..and get cheap health insurance?

So sad they have to make everyone equal regardless of effort.

[RiverRat1]

Family coverage at my company is $546 per month. $575 deductible and $3000 out of pocket. Dr copays are $35 & $55, Rx copays are $10, $30 & $50.

2018 will be the 3rd year in a row that employee premiums have not gone up and benefits not reduced.

Nice. But how long you think it will last? You will join the fight as soon as they screw you also.

Everyone needs to be in this fight because everyone will be screwed before long. I can't stand people who don't care UNTIL it affects them..Then they act like it should be fixed that same day. I don't know Huntsman, I'm speaking in general.

[MBV77]

I have been an agent selling employee benefits to small companies for 38 years now. When I started in the 1980s the benefits were typcially : $100 to $250 deductible per person. Then companies started adding copays - where a person only paid $5 copay to go to their doctor. Then they added copays for prescriptions and a person could buy a prescription for a $5 copay. Benefits back then were way to rich and easy to use - many folks ran to the doctor with the sniffles because it cost them so little to do so.

Next HMO's arrived where you had to be referred to a specialist by your family doctor and you had to pick if you were going in network or out of network. Networks were formed as a way for insurance companies to attempt to control what the medical community was charging for care, including hospitals.

I sat for six years on the board of our local community hospital - I remember being in meetings where the CFO would complain about the free care the hospital had to write off each month due to indigent care - then in the same meeting the board would get a report on the "average in patient days" of their patients each month and how the hospital needed to increase how long patients stayed in the hospital to generate more money.

Finally I saw premiums start to rise rapidly and insurance companies and employers started increasing deductibles and copays to compensate. I saw lawyers suing doctors and hospitals for malpractice and our government begin mandating that insurance companies cover things like drug and alcohol treatment and COBRA. All of that caused premiums continue to escalate.

Finally ACA happened and our government told insurance companies they must offer coverage to everyone without the ability to underwrite their risk. I knew then that our entire health system was done for and that insurance companies would begin to bail out due to massive losses in the individual ACA market (which they have).

Where it goes from here I do not know - I do know that a single payer system run by our government is not the answer. We shall see

I pm'd you. I've got a couple of questions for you if you don't mind answering them.


Sent from my iPhone using Tapatalk

[Tschoerner]

Just received my info for next year and mine has gone up to $1220 a month ($1100 last year) w/$3000 deductible for individual and $9000 for family.

[Stins]

Those rates are crazy.

I should show this to my co-workers and employees that complain. I pay around $180 a month for Health and dental. That is a deductible of $6000 for the family

[Huntsman27]

Nice. But how long you think it will last? You will join the fight as soon as they screw you also.

Everyone needs to be in this fight because everyone will be screwed before long. I can't stand people who don't care UNTIL it affects them..Then they act like it should be fixed that same day. I don't know Huntsman, I'm speaking in general.

Not sure what in my post made you believe I may not care about the cost of healthcare and the problems our country is facing, it is something I am deeply concerned with and am passionate about.

Believe me I have been in the fight for quite some time and I have first hand experience with trying to provide a high quality, affordable medical plan that doesn't bankrupt the company. As the plan administrator for my company's medical plan I am doing everything I can to continue to offer a high quality medical plan at affordable rates.

[tex8569]

One of the points to consider is how much the billed cost of healthcare has increased, especially with for profit pharmas, group practices, hospitals, etc. Kind of like how college tuition has far outpaced inflation and wage growth. There is no real reason to justify the higher billed costs to patients. Its the reason people hated Martin Schkreli but insurance and other companies kept paying for the drugs. If every piece of the health care value chain is trying to maximize profit, we are going to pay for it one way or another.

My wife had to go to the ER in Spain and get a couple stitches this summer. We had to pay for the entire visit right there and up front without insurance obviously. It cost me $76. It would have been free if we were EU members. In the US it would have cost me well over $1,000 considering the last ER I went to was charging my insurance $900/hr for evaluation. I asked a local about it and he said doctors were paid similarly to teachers.

[tex8569]

***Also, if your company has a high deductible plan with a health savings account, try to maximize the contributions!*** It is pretax dollars (saving you up to 37% (2018 rates)) and doesnt expire or have the use it or lose it annual limit of a flexible spending account.

Consult with an adviser but you can also invest that money and use it in the future or just build up cash savings for when your older if you can pay for medical expenses out of pocket right now.

[ladrones]

One of the points to consider is how much the billed cost of healthcare has increased, especially with for profit pharmas, group practices, hospitals, etc. Kind of like how college tuition has far outpaced inflation and wage growth. There is no real reason to justify the higher billed costs to patients. Its the reason people hated Martin Schkreli but insurance and other companies kept paying for the drugs. If every piece of the health care value chain is trying to maximize profit, we are going to pay for it one way or another.

My wife had to go to the ER in Spain and get a couple stitches this summer. We had to pay for the entire visit right there and up front without insurance obviously. It cost me $76. It would have been free if we were EU members. In the US it would have cost me well over $1,000 considering the last ER I went to was charging my insurance $900/hr for evaluation. I asked a local about it and he said doctors were paid similarly to teachers.

I had to get 3 stitches in my leg. My copay was 350.00 and the facility billed my insurance 3200.00.