How much do you pay for health insurance?

[chia]

DH and I were looking over the paperwork for his new job, and I was shocked to see that insurance is like over $1000K per month, self plus family. Plus, a couple thousand deductible.

It doesn't really matter for us, since we're under my insurance... but, it made me curious - what do you pay for your family's insurance premiums?

[Deleted]

My work pays 85% of my premium, but my total cost oer month for the whole family is over 1k. Our deductible is 5k.

[rdgove]

Dh's employer pays 100% of our premiums for health, dental, and vision insurance. We have no deductible and only pay copays. We are very lucky.

[imojoebunny]

This year, it got a lot better because DH changed jobs, it was about $6k in premiums, and $4k deductible, after $750.00 for each person, so if everyone had something outside of preventive care, we would be out of pocket about $12,300.

[rubytue]

Total monthly premium for family coverage: $1200. I pay $300 of it.

edit: Sorry, $1200/month. I looked at the 2012 premiums.

[chia]

Jan 5, 2013 21:44:46 GMT -5 @irishbride said:

My work pays 85% of my premium, but my total cost oer month for the whole family is over 1k. Our deductible is 5k.

So is the $1K after your work pays? Or, do you personally only pay around $150/mo?

[kershnic]

I pay about $120/month for individual coverage. It's pretty good coverage, with copays but no in-network deductible and no coinsurance.

We also pay about $120/month for DW's individual coverage. Insurance is not quite as good, but it's alright.

A family plan (both of us plus any future kids) at my work would cost us about $250/month. Plus a ton of extra federal taxes because DOMA sucks.

[kaylie]

Single is about $85 where I work and I think family coverage is close to $750. It's a crappy plan with $50 co-pays for primary care and $75 for specialists. Fortunately, I'm on H's plan which is free for us (and would be for our kids if we had them) with no in-network deductible.

[gtkim]

DH and I keep separate insurance b/c it's cheaper that way. We each pay around $60/mo. My copays are $25 and I think his are the same.
We both feel very fortunate to have such good coverage at an affordable price.
I had some minor surgery almost 2 years ago. Total was about $14K and my total oop was less than $800.

[maria120]

I have no idea what the total premium is (i.e what part DH's work pays for), but we pay just over $300/month for our family with a $500 deductible per person and a max out of pocket of $5000 for the family. I SAH, but at my old job it would have been over $700 a month (for US, work would have paid for about $300) for a family.

[auberge]

Both my H and I get our insurance paid thru our employers. I pay $300 a month for my son.

[Deleted]

Dh's employer pays 100% of medical and we pay $5/paycheck for vision (DH plus spouse and kids) and $16/paycheck for the mid-priced dental. There are more expensive dental plans that cover orthodontics but my oldest os only six so we don't need that yet. In a few years when we upgrade it will be $44/paycheck for dental with ortho.
We have really good medical. $10 office visits, $5 prescriptions, no charge for hospital stays, $25 for initial OB appt. for pregnancy and everything else, including L&D, is free.

[Deleted]

I will add, I almost cried when I saw how much we had to pay for COBRA when DH switched jobs and was uninsured for one month. Of course it was the month that I gave birth to DD2. It was almost $1600. It was painful to pay but way better than the $14k for L&D if I were uninsured.

[zacksbride]

premiums for health are entirely paid for by our jobs, we pay for dental and vision - but its like $60/month. for medical we have a $5K per person deductible and i believe the family OOP max is $7500

[carilyn]

I pay about $560 a month for our family for medical, dental, vision. About $476 a month for just medical. I think our deductible is around $250 with $30 copays for visits and $20 copays for preventative care (both went up by $5 this year). I'm not sure what our total OOP max is per person or per family. I think around $3500 PP and $10000ish for family? I also don't know what our prescription copays are. Last year, we averaged $130 a month in prescription copays and they were $15 for generic and $30 for brand name. We have a pharmacy at work (hospital) that does pre-tax payroll deduction, which is nice. We also have an FSA with $2k in it to cover medical expenses, copays, etc.

This is an 80/20 plan. I work at a hospital, and all services at the hospital are "free". So, say you got an MRI, the MRI is free, the radiology fee is 80/20. You're admited to the hospital, the room and board is free, but you pay the doctor, anesthesiologist, etc. Labs are free. It could be a lot worse.

[Deleted]

My work pays my premiums in full but they pay nothing towards any family coverage. I pay $457/month to have DH on my plan with a $1500 deductible, $3k max OOP, $20 doctor co-pay, and $15 script co-pay. If we added kids to plan in would be closer to $800/month.

[puppyluv]

H and I work at the same place so we each have to have our own policy. Our premium is $77 a month for a $300 deductible and then 90/10 after that.

[doctorsbaby]

We pay about $325 for our family of 3 on an individual plan, no maternity coverage. We have a 5k deductible & 100% coverage after its met.

[Deleted]

Nothing now but DHs firm charged us about $900/mo for the family coverage (I was a SAHM) Prior to his promotion. It was brutal there for a few years.

[phoenixrising]

I pay zero dollars for my medical coverage. I pay $8.75 per pay for dental and vision. This is coverage just for me. If I had to cover a spouse or family, I would have to pay a portion of the medical coverage, as well as a larger portion of the dental and vision. I am very fortunate that my employer (a large health network) is so good to me!

[Willis Jackson]

We pay $0.

When DH was at his old job, we paid $675/mo.

[Deleted]

DH's employer pays for most of it. I think it is something like $138/every 2 weeks.

[greekypie]

400 per month for entire family.

[Deleted]

We pay about $215 a month under DH's insurance for premiums for DH and I. We have 20% copays that at one doctor we have to pay before we leave, but that isn't a huge problem. We have no deductibles, and an OOP max of $1800.
Our insurance is definitely one of the benefits of our expatriate package.

[Deleted]

Jan 5, 2013 21:48:24 GMT -5 chia said:

Jan 5, 2013 21:44:46 GMT -5 @irishbride said:

My work pays 85% of my premium, but my total cost oer month for the whole family is over 1k. Our deductible is 5k.

So is the $1K after your work pays? Or, do you personally only pay around $150/mo?

I personally pay 1000 a month.

[holly116]

Just asked DH because it just changed again. We pay $121 a month for family medical, $10 for dental, $5 for vision.

We have $0 copay for well visits, and pay 100% up to $2500 for everything else. After that it's 10%. His employer funds an HSA for the $2500, so nothing out of pocket at all till that is used. We are very thankful.

Our plan has changed every year for the last few. Last year at this time, 6 weeks before having a scheduled c-section, we found out that instead of a $250 hospital copay like we paid for DD, we were responsible for 10%. It sucked.

[dcrunnergirl]

We're on DH's insurance, and it's $180 every 2 weeks or $360 month. When we were on my insurance it was $558 per month for similar if not lesser coverage.

[chessie]

With work I only pay 20%, comes to about 220 a month for DH and I for EPO medical, dental and vision- no deductible since its an in network only plan. We are very lucky we still have benefits, lots of IT places have dropped it.

[kelseybelsey]

$200 per month for whole family. $1500 deductible.

[scout8]

Me: $480/month for medical. HMO with copays, but no deductible. I am technically self employed, but am able to get on a group plan through my office. Paid for entirely by me.

DH: $146/month for a high deductible medical plan. DH is also self employed, but is able to get on this much cheaper individual plan. I am not, because of a pre-existing condition.

We do not have vision or dental.

Yes, buying your own health insurance is one of the negatives to self employment!