DH's job has HDHP...$3k deductible and pay 10% up to $6k OOPMax. Neither of which include prescriptions. I mean we're lower middle class but his salary is nothing to write home about and he probably makes more than 90% of the rest of the company who also have said insurance.
I pay $98/mo, employer pays the rest. If I would add H, it would be $350/mo. I have a $3,000 deductible. I think my pl n sucks and hope the next place is better.
My employer pays 100% for me. I pay $300 pre taxed a month for my son. Interesting enough if we have more kids, I still would only pay $300 for full coverage.
My insurance has actually been incident and worry free.
Post by SusanBAnthony on Nov 27, 2012 22:15:19 GMT -5
Ours is around that much if not more, for family. Dh just looked it up and it is 3600 deductible, 8350 oop. However, the premiums are less than 50$ a month for a family, so I figure it evens out. Kind of sad that with insurance, we will have high enough health care expenses to deduct them on our taxes.
For awhile we paid 1500$ a month for cobra for a high deductible plan, so I am pretty much great full for any kind of employer subsidized group plan.
I had great insurance before I quit to sahm. 500 a month for a family and basically everything was covered. I am still glad I quit, but I didn't not appreciate that enough. However, my company was going the way of the hsa as well, so I doubt it is nearly that good anymore.
We had a home birth with dd and that 3500$ was a pretty good deal. It would have been way more through our insurance. Not that that should sway someone on a birth choice, but it was a happy side benefit since I wanted one anyway.
When I was working full time at a college district I had amazing insurance. I paid $29 for 10 months for both of us. It was insane. It has gone up since then. I think it would be $80 a month for our family if I still was there.
We're on DH 's insurance now and pay about $350 a month, but no deductible. $10 co pays. He works for a big four engineering company.
We have a HDHCP. I'm not sure exactly but I think the deductible is around 5-6k. Anyway, with the lower premium and the amount that DH's employer kicks in to the HSA, you're supposed to be money neutral with the old plan (which had a much higher premium) even if you do hit your deductible for the year. If you don't, then you're money ahead.
So much of what makes a plan expensive depends on your situation. My plan has $0 premiums, even for the family, but a $10,000 OOP max ($3000 family deductible). But we don't get anywhere close to that limits except the year I had a baby so I don't see it as expensive.
That was one reason why I am still at my job they pay 75% and with the plan I am on in network I pay nothing. All the job offers I received they offered no medical benefits. I guess its an IT thing though.
Generally speaking, people well compensated will also have good insurance.
hmmm I don't know. When I was at the Big 4 the insurance was nothing to write home about and a lot of people there made bank. Most of the engineers I know are in the same boat as me... then again most of them work at the same Fortune 20 company as my husband.
DH works for a major healthcare development firm they get shitty benefits, but then again he is with engineering as well, gets paid well but really in the long term no benefits anyone would realy want.