# How Much Do You Pay for Health/Dental Insurance At Work? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [January 7, 2012, 8:14am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-health-dental-insurance-at-work/608712 "2012-01-07T08:14:12Z")\ **Posts on this page:** 8\ **Page:** 3
**Author:** ![DrDeth](https://avatars.discourse-cdn.com/v4/letter/d/b487fb/32.png) [@DrDeth](https://boards.straightdope.com/u/DrDeth)\ **Post date:** [January 9, 2012, 2:18am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-health-dental-insurance-at-work/608712/41 "2012-01-09T02:18:42Z")
About $100. ---
**Author:** ![Shagnasty](https://avatars.discourse-cdn.com/v4/letter/s/9dc877/32.png) [@Shagnasty](https://boards.straightdope.com/u/Shagnasty)\ **Post date:** [January 9, 2012, 2:22am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-health-dental-insurance-at-work/608712/42 "2012-01-09T02:22:38Z")
Nothing but it is a high deductible plan with a $3000 deductible per year for me personally so it is almost like not having any insurance unless something goes badly wrong. I get a Health Savings Account with it that lets me take regular payroll deductions per paycheck to cover everything up to the deductible tax free however. ---
**Author:** ![Breccia](https://avatars.discourse-cdn.com/v4/letter/b/e36b37/32.png) [@Breccia](https://boards.straightdope.com/u/Breccia)\ **Post date:** [January 9, 2012, 2:38am UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-health-dental-insurance-at-work/608712/43 "2012-01-09T02:38:28Z")
We pay $793 a month, or $9500 a year for the 2 of us. Blue Cross Blue Sheild, with ~$20 co-pay (haven’t had more than 5 Dr. appointments between the 2 of us in the last 3 years so I’m guessing this from long ago memory.) It’s the only plan his employer offers. It’ll go up to $225 a week, or $11,700 next year if we add his kid. [may be more than that, seems I remember it being greater than $12k a year.] We put 30% down on the house we recently bought. Health care for the 3 of us is more than the mortgage every year. the mortgage not adding in property taxes and insurance… How could $10/hr wage earners possibly pay this amount for health insurance? ---
**Author:** ![bouv](https://avatars.discourse-cdn.com/v4/letter/b/bc8723/32.png) [@bouv](https://boards.straightdope.com/u/bouv)\ **Post date:** [January 9, 2012, 2:08pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-health-dental-insurance-at-work/608712/44 "2012-01-09T14:08:11Z")
I just checked, and I pay $25 and change a paycheck for just myself, paid twice monthly (so ~$51 a month.) I have a $0 deductible for in-network hospitals (which is basically all local hospitals (local being relative…it’s over a 100 mile range for some of them…)) and $500 deductible for out-of-network hospitals. In-network visits are all fairly cheap co-pays…regular office visit $10, specialist is $20, ER is $50, outpatient surgery $100, in-patient stay is $250. Dental is $0 from my paycheck, all paid for by employer. I get two regular checkups/cleanings per year, and one set of x-rays per year, $25 deductible…orthodontics and other dental procedures have a certain percentage that gets covered, from 50%-80% depending on the procedure, with a yearly out-of-pocket max of $2,500. ---
**Author:** ![StGermain](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/stgermain/32/2868_2.png) [@StGermain](https://boards.straightdope.com/u/StGermain)\ **Post date:** [January 9, 2012, 5:51pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-health-dental-insurance-at-work/608712/45 "2012-01-09T17:51:46Z")
I’m single and paid every other month. Last year I paid $37.38 for medical and $8.60 for dental. This year it’s gone up to $39.69 for medical and still $8.60 for dental. This is decent insurance, but it has a copay and deductible. However, your wellness visits are at $0, so annual physical, mammograms, etc. are covered outside the deductible. The maximum out of pocket expense is capped at $2000. StG ---
**Author:** ![LurkerInNJ](https://avatars.discourse-cdn.com/v4/letter/l/ed655f/32.png) [@LurkerInNJ](https://boards.straightdope.com/u/LurkerInNJ)\ **Post date:** [January 9, 2012, 5:59pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-health-dental-insurance-at-work/608712/46 "2012-01-09T17:59:54Z")
I pay 50% ($306.00) of my monthly premium ($612.00), single, medical coverage only. It’s going up this month by at least $100. My co-pays are $50 for doctor, $100 for ER, and covered prescriptions are tiered $10/$30/$50. ---
**Author:** ![Living\_Well\_Is\_Best\_Revenge](https://avatars.discourse-cdn.com/v4/letter/l/6bbea6/32.png) [@Living\_Well\_Is\_Best\_Revenge](https://boards.straightdope.com/u/Living_Well_Is_Best_Revenge)\ **Post date:** [January 9, 2012, 6:38pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-health-dental-insurance-at-work/608712/47 "2012-01-09T18:38:59Z")
I pay $2.50 a paycheck. I am very lucky. ---
**Author:** ![OneCentStamp](https://avatars.discourse-cdn.com/v4/letter/o/13edae/32.png) [@OneCentStamp](https://boards.straightdope.com/u/OneCentStamp)\ **Post date:** [January 9, 2012, 6:53pm UTC](https://boards.straightdope.com/t/how-much-do-you-pay-for-health-dental-insurance-at-work/608712/48 "2012-01-09T18:53:13Z")
My own medical and dental is paid for by my company. To add my family would be prohibitively expensive - something on the order of $1000 a month for the high deductible plan, $1200/month for the better one. Luckily, my wife has reasonably affordable coverage for herself and my stepson, and my ex’s insurance covers my kids. [Previous page](https://boards.straightdope.com/t/how-much-do-you-pay-for-health-dental-insurance-at-work/608712.md?page=2)