Health insurance question? (credit, home, transfer)

[tuhotbachatera]

I wanted to know if the cost of health insurance in NC would cost more or less. I now reside in New Jersey and I have insurance with my company, I am not self insured.

[njmdpanc]

For me when we moved, auto insurance changed, home insurance changed, but not life and health insurance.

[tuhotbachatera]

Njmd,

Are you from NJ? So, your health insurance cost you the same.

[njmdpanc]

Yes I am from NJ.
Not exactly the same (dollar for dollar). There have been cost of living adjustments and since I lived in NJ, have had an addition to the family. Overall, costs have remained constant.
Like I said, auto insurance dropped in half. Home owners was about 1/3.

[Whytewulf]

I did a calulation a botu a year ago and health insurance is close to average nationaly for NC. Lower for Auto and Home. Taxes are a bit higher. So I would be prepared to pay the same. But it costs nothing to get a quote from BCBSNC or Aetna, both big here. Don't let them do a soft check on your credit though. Ugh I hate that.

[ssd3]

We had Cigna in NJ and Cigna in NC with two different employers. We are paying a little more for a little less coverage in NC.

[tuhotbachatera]

So, the bottom line is... if my coverage stays the same (example: employee plus dependents) I can expect in NC to pay basically the same. I know auto and homeowners are less but in NC the state tax is higher about double then in NJ. So it all becomes a wash...

[BRKLYN2CLT]

Originally Posted by tuhotbachatera

I wanted to know if the cost of health insurance in NC would cost more or less. I now reside in New Jersey and I have insurance with my company, I am not self insured.

Thats almost an impossible question to answer. Are you transferring with your same employer? Are you seeking a new position? Lot's of companies contribute various amount towards your coverage and there are literally 100's of different plans with various copays, maximum out of pockets etc........ Even if you transfer with your current employer; they might offer a different plan in another state. Cigna alone.....has tons of different plans, different costs, etc.

[tuhotbachatera]

Yes, I am transferring with my current company. You are right I will have to wait and see. Hopefully, there won't be a big difference.

[BRKLYN2CLT]

You should talk with your HR department on the plan in NC.