# What does your health insurance cost? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [October 30, 2007, 2:06pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570 "2007-10-30T14:06:48Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Ca3799](https://avatars.discourse-cdn.com/v4/letter/c/9f8e36/32.png) [@Ca3799](https://boards.straightdope.com/u/Ca3799)\ **Post date:** [October 30, 2007, 2:06pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/1 "2007-10-30T14:06:48Z")
Mine is $12,500 per year. I pay half and my employer pays half. This is coverage for a family of four (2 adults and 2 children) and includes dental and vision coverage. ---
**Author:** ![Shagnasty](https://avatars.discourse-cdn.com/v4/letter/s/9dc877/32.png) [@Shagnasty](https://boards.straightdope.com/u/Shagnasty)\ **Post date:** [October 30, 2007, 2:15pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/2 "2007-10-30T14:15:26Z")
Can you clarify the question little? This sounds like a poll and should be in IMHO in that case. I work for a gigantic benefits outsourcing group and I have data on how much insurance costs for millions of individuals in many different large corporations. The overall cost for yours sounds about right if it is a family plan. However, your employer contribution sounds low so you are paying more yourself than most people with a comparable plan. ---
**Author:** ![Desert\_Nomad](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/desert_nomad/32/177_2.png) [@Desert\_Nomad](https://boards.straightdope.com/u/Desert_Nomad)\ **Post date:** [October 30, 2007, 2:18pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/3 "2007-10-30T14:18:38Z")
$2400/yr for a couple in mid 30s. $10 million in coverage, $2000 deductible. 100% paid by us as this is private coverage. Valid everywhere in the world except the USA. ---
**Author:** ![WhyNot](https://avatars.discourse-cdn.com/v4/letter/w/c77e96/32.png) [@WhyNot](https://boards.straightdope.com/u/WhyNot)\ **Post date:** [October 30, 2007, 2:26pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/4 "2007-10-30T14:26:55Z")
$5700 a year for a family of four, no dental, no vision, no maternity, $2500 deductible, $5000 out of pocket maximum, $2 million limit (I think?), $500 annual well-child allowance (not nearly enough for the required infant immunizations in my state). Private policy PPO through Blue Cross Blue Shield. ---
**Author:** ![Gfactor](https://avatars.discourse-cdn.com/v4/letter/g/9de053/32.png) [@Gfactor](https://boards.straightdope.com/u/Gfactor)\ **Post date:** [October 30, 2007, 2:32pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/5 "2007-10-30T14:32:37Z")
Moved from General Questions to In My Humble Opinion. **Gfactor** General Questions Moderator ---
**Author:** ![Szlater](https://avatars.discourse-cdn.com/v4/letter/s/90ced4/32.png) [@Szlater](https://boards.straightdope.com/u/Szlater)\ **Post date:** [October 30, 2007, 2:34pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/6 "2007-10-30T14:34:13Z")
£1871pa or $3743/year (roughly 8% of my salary). It covers all medical costs (including free prescriptions due to my medical condition), state pension contributions and unemployment insurance. It also subsidises dental treatments (max dentist’s bill will be ~£190). It also covers me completely (with respects to emergency medical care) in 30 other countries. I like my [insurance company](http://en.wikipedia.org/wiki/National_insurance). ---
**Author:** ![Gfactor](https://avatars.discourse-cdn.com/v4/letter/g/9de053/32.png) [@Gfactor](https://boards.straightdope.com/u/Gfactor)\ **Post date:** [October 30, 2007, 2:36pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/7 "2007-10-30T14:36:11Z")
Recent thread on the same topic: [Health Insurance premium... Too much? - In My Humble Opinion - Straight Dope Message Board](http://boards.straightdope.com/sdmb/showthread.php?t=437152) (I linked to some surveys here) ---
**Author:** ![Lionne](https://avatars.discourse-cdn.com/v4/letter/l/8e8cbc/32.png) [@Lionne](https://boards.straightdope.com/u/Lionne)\ **Post date:** [October 30, 2007, 2:46pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/8 "2007-10-30T14:46:17Z")
$1600 a year for medical, vision and dental. Single, no dependents. Can’t remember my deductible. ---
**Author:** ![chappachula](https://avatars.discourse-cdn.com/v4/letter/c/d2c977/32.png) [@chappachula](https://boards.straightdope.com/u/chappachula)\ **Post date:** [October 30, 2007, 2:52pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/9 "2007-10-30T14:52:53Z")
I pay 5% of my salary. Just like every other citizen in the country. Covers absolutely everything, zero deductible,… but I do have to pay about $15 a month for my meds. (The money goes to the government Dept of Health, which then passes the money on to the private HMO’s). ---
**Author:** ![MrPeabody](https://avatars.discourse-cdn.com/v4/letter/m/7cd45c/32.png) [@MrPeabody](https://boards.straightdope.com/u/MrPeabody)\ **Post date:** [October 30, 2007, 3:04pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/10 "2007-10-30T15:04:42Z")
I am self employed so I get the pleasure of paying $1046 a month for a family of four. Yes it sucks but what can you do. Mrpeabody ---
**Author:** ![MrPeabody](https://avatars.discourse-cdn.com/v4/letter/m/7cd45c/32.png) [@MrPeabody](https://boards.straightdope.com/u/MrPeabody)\ **Post date:** [October 30, 2007, 3:04pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/11 "2007-10-30T15:04:37Z")
I am self employed so I get the pleasure of paying $1046 a month for a family of four. Yes it sucks but what can you do. Mrpeabody ---
**Author:** ![Paul\_in\_Qatar](https://avatars.discourse-cdn.com/v4/letter/p/ccd318/32.png) [@Paul\_in\_Qatar](https://boards.straightdope.com/u/Paul_in_Qatar)\ **Post date:** [October 30, 2007, 3:09pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/12 "2007-10-30T15:09:27Z")
I think I am paying US$1,300 or so per year for just myself with a US$10K annual deductible. My employer covers expenses here, so the main thing I wanted was worldwide coverage. ---
**Author:** ![Athena](https://avatars.discourse-cdn.com/v4/letter/a/35a633/32.png) [@Athena](https://boards.straightdope.com/u/Athena)\ **Post date:** [October 30, 2007, 3:10pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/13 "2007-10-30T15:10:53Z")
Self-employed, pay $3000/year for coverage that doesn’t pay a thing until we meet a $3K deductible. As we’re fairly healthy people, that’s a decent deal for us. No dental or eye. Based on previous experience, I can expect the cost to go up about 25% a year. I hate US health insurance. ---
**Author:** ![Zsofia](https://avatars.discourse-cdn.com/v4/letter/z/7bcc69/32.png) [@Zsofia](https://boards.straightdope.com/u/Zsofia)\ **Post date:** [October 30, 2007, 4:11pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/14 "2007-10-30T16:11:10Z")
Mine’s “free” to me - I don’t pay any extra, my employer pays the old fashioned way. I’d have to pay if I had anybody else on my coverage, but I’m single and childless. ---
**Author:** ![Antinor01](https://avatars.discourse-cdn.com/v4/letter/a/ecae2f/32.png) [@Antinor01](https://boards.straightdope.com/u/Antinor01)\ **Post date:** [October 30, 2007, 4:19pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/15 "2007-10-30T16:19:55Z")
I don’t pay anything for mine, nice perk of working for an insurance company. No deductible, no cap on the coverage, $5 for doctor visit, no copay for hospital stays. I can cover my SO for nothing as well, but because I’m gay would have to pay federal tax on the street value of his portion. ---
**Author:** ![The\_Unkempt\_One](https://avatars.discourse-cdn.com/v4/letter/t/b782af/32.png) [@The\_Unkempt\_One](https://boards.straightdope.com/u/The_Unkempt_One)\ **Post date:** [October 30, 2007, 4:56pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/16 "2007-10-30T16:56:43Z")
For just my wife and I, I pay $54 per paycheck, or $1404 per year. We have a $150 deductible and $15 office visit copay. This covers medical, vision, and dental, and 100% of hospital stays are covered, once the deductible is met. This insurance also covers 100% of fertility treatment, as well as 100% of birth and delivery costs at the hospital. This works out well since my wife and I have recently decided to have a baby, and things aren’t going as smoothly as we had hoped. ---
**Author:** ![Leaffan](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/leaffan/32/299_2.png) [@Leaffan](https://boards.straightdope.com/u/Leaffan)\ **Post date:** [October 30, 2007, 5:06pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/17 "2007-10-30T17:06:50Z")
Zero. But, of course it’s buried somewhere in the ~ $30,000 odd taxes I pay. ---
**Author:** ![GingerOfTheNorth](https://avatars.discourse-cdn.com/v4/letter/g/cdc98d/32.png) [@GingerOfTheNorth](https://boards.straightdope.com/u/GingerOfTheNorth)\ **Post date:** [October 30, 2007, 5:09pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/18 "2007-10-30T17:09:47Z")
Our plan costs about $4800 per year for two adults and two children. We have no doctor’s visit co-pay, and our prescription co-pay is $15 after an initial $50 deductible. We have sweet coverage - it helps that my husband works for the company who sells it, but that is the non-discounted price. ---
**Author:** ![BobLibDem](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/boblibdem/32/3149_2.png) [@BobLibDem](https://boards.straightdope.com/u/BobLibDem)\ **Post date:** [October 30, 2007, 5:29pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/19 "2007-10-30T17:29:57Z")
My employer pays the whole tab, about $15,600 per year for health insurance (employee, spouse, children). ---
**Author:** ![gigi](https://avatars.discourse-cdn.com/v4/letter/g/a587f6/32.png) [@gigi](https://boards.straightdope.com/u/gigi)\ **Post date:** [October 30, 2007, 5:39pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/20 "2007-10-30T17:39:17Z")
We just reupped so I’ve got the numbers right here! Medical – HMO single person $6079 Dental – single person, preventative covered, other covered on % basis $573 LTD 70% of pay $203 Life Ins payout of $5000 Total premiums $6856 Total contribution from employer (based on my salary and single status) $5466 $116 a month out of my pay [Next page](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570.md?page=2)