How much do you pay for health insurance?

In My Humble Opinion
41

I don’t pay anything and that includes full medical, optician and dentist.

I’m in the UK and retired (though I still work a few hours a week by choice.)

I used to pay 6% of my salary (and my employer used to pay 9%) to cover the cost through National Insurance.

My employer has a private medical plan (in addition to the National Health Service.) All I pay for that is some tax as a benefit (and I don’t pay much tax anyway.)

When I travel to Europe, I get free medical care (reciprocal arrangements.)

When I visit the USA, I take out $1,000,000 of health insurance.

42

Employer provided plan, pay nothing to just cover myself.

43

I pay $577 monthly for a gold plan with $500 deductible and I think $3750 out of pocket maximum for a single person. I thought I was getting a cheap plan (used to have to pay $200 a month more before ACA but had no deductible) but it looks like I’m on the higher side. Then, again, with ACA I haven’t had to take out a group plan which I was paying 70% for which raised my fees by more than $400 a month per employee.

44

We were told the same thing. “Hey why don’t you join the Guard after active duty! You can still get a retirement and healthcare for life!” They don’t mention grey-area retirees. If you retire from the reserve component you are only eligible for Tricare Retired Reserve until you are 60. $11,536.2 a year in premiums for a family and after that you are still paying 20% of reasonable and customary. A nice fuck you for 28 years of my life that included 6 years active, multiple deployments, a marriage and two knees. Who the hell can afford that?

Right now at work I’m paying about $7,000 a year but there is very little out of pocket expense. There is a contract year coming up so I’m sure that will be going up tremendously or coverage will shrink.

45

I and my wife (both well into our 80’s) pay a total of $200 per month, plus what the government takes out of our social security checks for Medicare (or Medicaid, whichever). I don’t remember what our deductible is, but it must not be very much. My wife had two episodes last year that required some extended hospital stays. The total bill from the hospital and doctors for these was something in excess of $120,000, of which we had to pay $4,700. Thought that was pretty darned reasonable.

46

$0 for premiums, $0 for co-pays. We have a $3000 deductible that covers both of us ($1500 per person) but the company puts $3000 into a Health Savings Account each year, which we can opt to pay our deductible from, or bank against a large future expense (or cash it out if we leave the company).

47

Thanks to a state-sponsored program and subsidy that pre-dates the ACA, we pay 2% of our monthly income in premiums. That works out to $25.88 for the two of us at present (which also tells you what our current income is). We have no deductibles or out of pocket costs unless we go to the emergency room, in which case it’s $25 if it’s not actually an emergency. Real emergencies have no copay.

It has kept my spouse healthy and out of the hospital despite his disability and diabetes.

This year the state started offering dental and vision coverage under the same program.

We are, by the way, in a Red State with a Republican governor.

Of course, if we earn more we’ll have to pay more. I’ll deal with that when/if it happens, even at 5% (which is the top contribution level for the program) it’s still a good deal.