How much did your insurance increase for 2013?

[puppydoggie]

Enrollment is next week. I am scared. How much has yours increased if you already went through enrollment?

[anna7602]

Unless DH and I get full physicals by the end of this year, our premium will go up $200/month for our health insurance. I have my physical scheduled for the end of this month when I fly back to the US, but DH doesn't think he'll be able to swing a trip to the US in time. He's having a hard time getting an answer about whether a foreign physical is acceptable for this purpose.

[Deleted]

$60 per month for the both of us. HDHP/HSA

[HoneySpider]

Ours actually went down $20/month for this year (new plan year started Sept).

We got this instead of raises I guess.

[makingithappen]

$36/15% increase for the two of us. HDHP/HRA

[ddi741]

Ours is changing a lot. They are offering an HSA this year and increased the premium on the PPO a lot. My H company is doing the same thing and we normally get our insurance (PPO) through them but this year I am going to make sure to compare everything and really see which is our best option. PPO vs HSA and which one of our employers has the best plan.

[cjeanette]

We don't have our info yet. H's actually went down a couple dollars if we remember last years right.

Sent from my SPH-D700 using proboards

[Deleted]

Ours will go down drastically. We were were aquried by a significantly larger company this yr that has cheaper health ins and pays the policy in full for its employees.

[milkrations]

My open enrollment deadline was two weeks ago. I switched to a cheaper option. The plan I was on increased the employee contribution by $450 month. It was brutal.

[falada45]

It stayed exactly the same as last year. I work for a large state university. I've been here 5 years and this is the first year our premiums have NOT increased.

[sillygoosegirl]

A lot. But for pretty random reasons: first, they got a pretty good deal last year by changing insurers, but fortunately they don't plan to do that every year, and you don't get the new plan discount after the first year, and second, somebody noticed that they've been subsidizing dependents more than their target amount that is in everyone's employment agreement. I think those factors dwarfed other factors.

[chessie]

Not sure yet..havent gotten the packet, but I was told there is a huge difference and the plans will start to charge if your other is offered insurance elsewhere..fun times.

[Deleted]

We have employee/spouse coverage, it went up $108/ per month, so we'll pay about $435/month for both of us. I'm dreading having kids, the family premium is about $700/month now. Sadness. Our dental rates stayed the same though.

[LoveTrains]

H's insurance is going up 4.5% for 2013. That isn't too bad. H's insurance went up $0 for 2012, so 4.5% over two years isn't bad at all.

My premium is 100% paid for me by my employer.

[Deleted]

Premium paid by DHs employer (for entire family) for Kaiser HMO but they dropped covering vision & dental (due to cost increases) so it went up for us out of pocket (I think around $200/mo) if you include those.

[kaylie]

We don't pay a premium - H's company covers it in full for both of us. They did institute a mandatory physical, though. Without the physical it would be $200 per year each. Not sure what will happen to copays, though. Last year specialist went from $25 to $40.

[Nonny]

I don't know yet, but I'm anticipating it will be a lot.

Currently we don't pay anything, it's all covered by work, but supposedly they are doing away with this plan starting this year and the details on what will be replacing it are sketchy and incomplete. Everyone on this particular plan is super pissed, and very annoyed that we don't know what we'll be ending up with or how much we'll be paying.

[Lilac]

$400 more for the year for me and DH (on the same plan)

[pamela]

$0
For the HDHP. I don't know about the other plans though. I know they went up some. They promised us $0 premiums for HDHP through 2013 though.

[Deleted]

We have 100% emloyeed paide but dh's parents have a HUGE increas. They own their own business and thus pay their own insurance. The monthly premium for FIL, MIL and 2 BILs was $750/mo and it increased to $1100/mo and their deductible went from $3500/yr to $7000/yr. Brutal.

[anonymess]

Mine actually went down because my employer & the hospital we are affliated with are offering a combined plan for all employees as of 2013. My monthly premiums, deductible, and out-of-pocket maximum are all going down - I'm stoked!

[Deleted]

Nothing. I am a union employee so our insurance rates set until our contract expires next summer.

[definitelyO]

my company
HDHP - 0% increase
PPO - 5% increase
Kaiser HMO - 15% increase

DH's company - HDHP 38% :-| but I guess they think it's okay as they are giving $500 more per year in the HSA and all on Jan 1 vs. spreading it out over the year.

[kzoomaggie]

My husband and I are under my insurance, and our medical coverage will increase $11 whole dollars... We have pretty awesome insurance though!

[melmel48]

It went down two dollars a month. First time it has not increased. I have crappy insurance though. I can't afford the good insurance.

[bunch]

10/ mo, but we have a 5 k deductible.

[luvmagoldn]

Our premium will not go up at all (PHAP) but we will have a spousal surcharge next year. So since H is offered health insurance with his employer, if he elects to stay on our plan I have to pay $38 per pay period above the monthly premium.

[agnes]

I don't think our open enrollment starts until January of 2013.

[Roc A Bee]

My insurance is 100% paid by my employer for me and DH. It will stay that way, but our copays are going from $10 to $20. We have no deductible,

[sunshine608]

I work for a state university and ours went up about $30. Last year it went up $5.

I have a BCBS HMO plan.