# 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:** 2
**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, 6:36pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/21 "2007-10-30T18:36:09Z")
I rooted out my Total Benefits Package thing - the health insurance premiums I “don’t” pay are supposed to equal $5091.72. ---
**Author:** ![The\_Blue-Sighted\_Shadow](https://avatars.discourse-cdn.com/v4/letter/t/ecae2f/32.png) [@The\_Blue-Sighted\_Shadow](https://boards.straightdope.com/u/The_Blue-Sighted_Shadow)\ **Post date:** [October 30, 2007, 8:10pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/22 "2007-10-30T20:10:11Z")
I’m currently on COBRA, so $4122.33/year, single coverage, medical, vision, and dental, prescription $10/$20, $10/$20 copay per visit, $100 per hospital stay. My new job starts Monday, so I won’t know what the cost is for my new coverage until next week. Those benefits take effect December 1. ---
**Author:** ![vivalostwages](https://avatars.discourse-cdn.com/v4/letter/v/d07c76/32.png) [@vivalostwages](https://boards.straightdope.com/u/vivalostwages)\ **Post date:** [October 30, 2007, 9:23pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/23 "2007-10-30T21:23:16Z")
Every two months: $90 for dental; $418 for medical. $508 total. This is a PPO. ---
**Author:** ![Foxy40](https://avatars.discourse-cdn.com/v4/letter/f/a9a28c/32.png) [@Foxy40](https://boards.straightdope.com/u/Foxy40)\ **Post date:** [October 30, 2007, 9:25pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/24 "2007-10-30T21:25:30Z")
$1618 per month for two adults and two children. ---
**Author:** ![King\_Friday](https://avatars.discourse-cdn.com/v4/letter/k/43a26b/32.png) [@King\_Friday](https://boards.straightdope.com/u/King_Friday)\ **Post date:** [October 30, 2007, 9:57pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/25 "2007-10-30T21:57:09Z")
I seem to be in the minority here. I pay $2 every 2 weeks for 80/20 medical insurance and 100% dental for a single guy. This is a downgrade (in my opinion) from my previous coverage…100% medical and dental for $30 every 2 weeks. ---
**Author:** ![threnodyangelfire](https://avatars.discourse-cdn.com/v4/letter/t/ecc23a/32.png) [@threnodyangelfire](https://boards.straightdope.com/u/threnodyangelfire)\ **Post date:** [October 30, 2007, 10:28pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/26 "2007-10-30T22:28:52Z")
$2400 for complete hospital and extras (Chiro, dental, optical, obst etc) not including the 30% Government rebate. I whinge about how expensive it is, but some of you pay so so much more than I ever would have thought! ---
**Author:** ![Yag\_Rannavach](https://avatars.discourse-cdn.com/v4/letter/y/858c86/32.png) [@Yag\_Rannavach](https://boards.straightdope.com/u/Yag_Rannavach)\ **Post date:** [October 30, 2007, 10:34pm UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/27 "2007-10-30T22:34:01Z")
I pay about 1000/year. My employer pays some other part of that. This is for insurance that covers office visits and, after about a 300ish deductible, 80/20. After about 1k(I think it’s actually 800) it covers 100%. The price includes dental and vision, but those are different policies with different insurers. ---
**Author:** ![MissGypsy](https://avatars.discourse-cdn.com/v4/letter/m/8491ac/32.png) [@MissGypsy](https://boards.straightdope.com/u/MissGypsy)\ **Post date:** [October 31, 2007, 1:42am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/28 "2007-10-31T01:42:32Z")
About $640 per month for 2 adults (no maternity) and 3 kids, any additional kids free (except for my oldest son, who has a pre-existing condition, and would cost another $1400 per month). That’s with accident insurance, for when a kid breaks his arm or need stitches, but no dental or vision, and a $10K deductible per year. ---
**Author:** ![Incubus](https://avatars.discourse-cdn.com/v4/letter/i/c68b51/32.png) [@Incubus](https://boards.straightdope.com/u/Incubus)\ **Post date:** [October 31, 2007, 2:00am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/29 "2007-10-31T02:00:08Z")
Previously I paid about $1400/year for Blue Shield PPO. $35 doctor visits, $10 generic Rx, and had to shell out 40% of the cost of anything they actually helped to cover. At my new job I pay $12.50 a paycheck, and just $25 co-pay on anything. Prescriptions are also only $5. Much better deal. ---
**Author:** ![Layla01](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/layla01/32/15552_2.png) [@Layla01](https://boards.straightdope.com/u/Layla01)\ **Post date:** [October 31, 2007, 2:03am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/30 "2007-10-31T02:03:25Z")
$3120 per year for a family of four for private health cover, plus 1.5% of taxable household income (about $1300) for Medicare which makes $4420 p.a. Covers all hospital costs (no deductible) and 85% of dental, optical, physio and other specialist fees. Also ambulance and 20% of pharmacy purchases. ---
**Author:** ![MsRobyn](https://avatars.discourse-cdn.com/v4/letter/m/90ced4/32.png) [@MsRobyn](https://boards.straightdope.com/u/MsRobyn)\ **Post date:** [October 31, 2007, 2:14am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/31 "2007-10-31T02:14:28Z")
We’re uninsured right now, but I’ve been looking into various options. I just started a job where I am an independent contractor and thus responsible for providing my own insurance. For anything remotely usable, that is, low or no deductible and reasonable exclusions, it’d run us about $600 or so a month for a family of three. Fortunately, we qualify for Tricare through the Air National Guard, which would be $250 a month with no deductibles or copays. Robin ---
**Author:** ![Suburban\_Plankton](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/suburban_plankton/32/219_2.png) [@Suburban\_Plankton](https://boards.straightdope.com/u/Suburban_Plankton)\ **Post date:** [October 31, 2007, 3:15am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/32 "2007-10-31T03:15:13Z")
About $110 a paycheck (every 2 weeks, total of $2860 a year) for medical, dental, and vision for the whole family. That’s 100% for dental, 100% - copay for medical, one eye exam and one set of lenses a year per person for vision. ---
**Author:** ![Ephemera](https://avatars.discourse-cdn.com/v4/letter/e/8baadc/32.png) [@Ephemera](https://boards.straightdope.com/u/Ephemera)\ **Post date:** [October 31, 2007, 3:25am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/33 "2007-10-31T03:25:32Z")
$100 per paycheck for medical, dental, and vision, though United Healthcare for a single person with no dependents. The only deductible I remember is $25 for general office visits. ---
**Author:** ![flickster](https://avatars.discourse-cdn.com/v4/letter/f/7bcc69/32.png) [@flickster](https://boards.straightdope.com/u/flickster)\ **Post date:** [October 31, 2007, 4:38am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/34 "2007-10-31T04:38:26Z")
Until last month I was paying $1,400/month for COBRA but my wife finally became eligible via her job and now we are only paying $240/month - the coverage is not quite the same, higher deductible, no vision. ---
**Author:** ![DadWagonDriver](https://avatars.discourse-cdn.com/v4/letter/d/edb3f5/32.png) [@DadWagonDriver](https://boards.straightdope.com/u/DadWagonDriver)\ **Post date:** [October 31, 2007, 4:54am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/35 "2007-10-31T04:54:47Z")
Zero per year out of pocket, except for co-pays. I love the company I work for! ---
**Author:** ![The\_Vorlon](https://avatars.discourse-cdn.com/v4/letter/t/d07c76/32.png) [@The\_Vorlon](https://boards.straightdope.com/u/The_Vorlon)\ **Post date:** [October 31, 2007, 5:22am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/36 "2007-10-31T05:22:18Z")
Was getting it through the wifes job, but since they hounded her into the hospital, on COBRA. 1500/mo, 18,000/yr for $5 copays to the MD, $25 ER visits, and 10/20/35 scripts, useless vision and sorta-ok dental. I suspect the unenployment and my 1099 income will vaporise this year. Should kick my W2 income in the nads too. Why do I dream of being in the 25% bracket? ---
**Author:** ![Catfood\_Purrito](https://avatars.discourse-cdn.com/v4/letter/c/c6cbf5/32.png) [@Catfood\_Purrito](https://boards.straightdope.com/u/Catfood_Purrito)\ **Post date:** [October 31, 2007, 5:23am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/37 "2007-10-31T05:23:19Z")
Medical is 2300/year for myself and my husband and any and all future dependents. No deductible, no copays for primary care, copays for specialists and the ER are 25 and 45 dollars respectively, everything else is 90/10 with a 1000 dollar yearly out of pocket maximum. I also get a dental/vision reimbursement thing that’s kinda crappy, 1000 dollars a year, but it’s free. ---
**Author:** ![Cunctator](https://avatars.discourse-cdn.com/v4/letter/c/43a26b/32.png) [@Cunctator](https://boards.straightdope.com/u/Cunctator)\ **Post date:** [October 31, 2007, 5:28am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/38 "2007-10-31T05:28:32Z")
I just paid my latest health insurance premium. It costs $691.30 per half-year. ---
**Author:** ![Sleeps\_With\_Butterflies](https://avatars.discourse-cdn.com/v4/letter/s/bb73d2/32.png) [@Sleeps\_With\_Butterflies](https://boards.straightdope.com/u/Sleeps_With_Butterflies)\ **Post date:** [October 31, 2007, 5:32am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/39 "2007-10-31T05:32:29Z")
Zip. Medical, dental, vision. Coverage for me. ---
**Author:** ![tonedef](https://avatars.discourse-cdn.com/v4/letter/t/f05b48/32.png) [@tonedef](https://boards.straightdope.com/u/tonedef)\ **Post date:** [October 31, 2007, 7:34am UTC](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570/40 "2007-10-31T07:34:32Z")
To be honoust I’m not 100% sure how much my private health care is, its around a few hundred dollars a year. And i think it covers close to everything. I don’t think I have ever had to use it. In the USA do you need health insurance to see a doctor? Like a regular GP for a check up for example? [Previous page](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570.md?page=1) [Next page](https://boards.straightdope.com/t/what-does-your-health-insurance-cost/424570.md?page=3)