There was a thread asking this same question back in 2012. Now that the ACA had some time to percolate, I thought that we should revisit the question.
Plus, I have to buy my own health insurance plan now. I’m working with an insurance broker who finds health plans for employees at my work place. My employer will contribute part of the plan and I will pay for the rest. Because my employer is paying the same amount regardless of what plan I choose, I get to pick any plan I want.
The current plan being offered would cost $520 per month (before employer contributions). It has a $1,500 deductible, but office visits are not subject to the deductible. Vision and Dental are not covered, but I get discounts.
When I check the health plans over on Nerd Wallet, I see plans for as low as $443 with no deductibles. So the next step is a discussion with the broker about why his plan costs so much.
What are you paying?
I know you’re just looking for an average but it’s not really an Apples to Apples question. I’m just about to renew the health insurance for my employees and sitting right next to me are all the plans that my broker and United Health Care (our current provider) feels may be appropriate) for us to consider. I just counted…there’s 57 plans. For me, a 34 year old male, it goes from $275.55 a month all the way up to $522.70 per month depending on which plan we choose.
The $522.70 plan is a Gold level ACA plan with a $1500 dollar deductible (for a single 34 year old male) with a total out of pocket of $6450.
The $275.55 plan is a $2000 HDHC plan with a total out of pocket of $4000.
The ACA plan, I believe also requires referrals to go to specialists while I don’t thing the regular plan does. I’m not totally sure about all the other ins and outs of the ACA plan. I know there’s some very limited Dental and Vision coverage, very, very limited. Our current plan, while not covering Vision and Dental, technically, does have pretty deep discounts through it’s United Health Allies program.
Anyways, it’s not just about how much, it’s about what it covers as well.
Also, ACA plans tend to get cheaper as you get older (as compared to non ACA plans).
$26 per month.
I work for an employee-owned company that invests a lot of its profits into employee benefits.
I have an employer provided HMO through Aetna. I pay 20% of the premium, somewhere around $50 a month with vision and a PPO dental plan. This plan is new this year for us, so still figuring stuff out.
For instance, I got a bill from the laboratory my doctor’s office used for my blood panels. It showed what their “real” billing amounts were, what amount of that they actually billed my insurance (a staggering difference), and then what my insurance actually paid. I’m apparently to pay the rest (all of $26), which seems reasonable, I guess, but weirdly penny pinching considering the amount insurance paid out. But then, my first office visit co-pay was waived ($30) and they paid the whole $300 visit amount. Whatever!
I am currently paying $1355.00 a month. This is for my husband and myself. It’s a silver plan with a $4000.00 deductible. We both work, but neither of us has employer paid coverage, though my employer does give me $150.00 a month for benefits.
We do not qualify for any subsidy.
This is more than 20% of my GROSS income, just for the premiums alone. It’s draining my finances.
State health plan, 70/30. $933 Deductible, $3,793 coinsurance maximum, free. Prescriptions cost up the ass, though. I’m paying cash for some of them.
Previously had Obamacare Platinum plan, $470 monthly premium, $500 deductible, $1500 max, cheap prescriptions and visits.
$993 per month for me, my wife and two sons. Nearly $12k a year for a plan with $2,400 deductible and $7,200 maximum out-of-pocket. My insurance cost nearly doubled in the last couple of years, and is a major drain on our finances.
My grad school pays for a student health insurance plan that’s $3500 per year, with a $300 deductible. Another $350/year mandatory student health fee lets me use the student health clinic for all basic and routine care without any out-of-pocket.
ETA: I imagine the price is so cheap since the entire insurance pool are 20- and 30- somethings that are too busy to get themselves hurt…
( a little off-topic, but just for a point of comparison: )
I pay exactly 6% of my salary every payday, just like everybody else in my country. (Israel).
Zero deductible, almost zero co-pays, and absolutely zero paperwork.
(But when you’re hospitalized, your family may have to be careful about unexpected expenses that add up: the visitor’s parking lot costs $20 each time. )
I am not in the US. I am insured through an employer provided plan.
I pay nothing. Zero. Zip. Nada. No insurance premium out of pocket. I don’t see a bill at all unless they forget to apply my insurance.
$0 deductible. $0 co-pay for office or hospital. $0 co-pay for drugs. Have to stay in network but will readily refer out a needed.
Limit of $200 every two years for glasses/contacts.
50% co-pay on major dental such as bridges or dentures.
I work for a technology startup. They pay 100% of my premiums for medical, dental, and vision.
The medical coverage isn’t great, but it’s decent. Personally, I’d rather pay a little more and get a better plan. I wish the company gave us an option.
My wife pays $140 a month for insurance through her job that covers me. I don’t pay anything for insurance for my job because I’m already covered, but I don’t get a credit from the company either for the portion they would have paid if I took the insurance. I also pay $40 a month for additional dental coverage.
The personnel committee I sit on just discussed health insurance costs for our administrative assistant, a 50+ year old woman. It’s $11,000/yr. for a silver-level plan and our benefits expert tells us to expect a substantial bump in 2016.
About $190/month. 20% co-insurance until I reach $2180 deductible, then nothing. Any doctor in the U.S. who takes Medicare. Fully covered when I travel outside the U.S.
I pay for Part B, D and Medigap F high deductible, less than $100/yr in drugs.
So, healthy year less than $200/month - sick year $380/month + unknown drug costs.
31 year old healthy, single man:
$12,000 deductible (there isn’t a hospital or doctor within 100 miles of me in network, so I go by my out of network limit. I’m in Chicago.)
I pay $1500 a month for a platinum ppo plan for 2 adults and 2 kids. I haven’t used it that much because I can’t figure it out.
$350 month for a gold plan, 54 year old non-smoking woman. For that I get no coverage until I meet the $2100 deductible, covered at 100% after meeting it. It works out well since I take a couple of expensive medications that meet my deductible by March or April. After that, everything is covered. Very simple plan. I don’t get a subsidy.
Too much and more than I used to. Thank you Dems and Obama.
Still waiting for that $ 2500 in savings that was promised for election purposes and promptly forgotten.
Dutch here. I pay about 200 dollars a month for health, dental and medication combined. Deductible is about 500 a year.
I’m on my husband’s plan after finally dropping my crappy work insurance with the 5K deductible :eek: His has a $1500 deductible and also covers vision. It was a no-brainer.