Has Your Health Insurance Costs Gone Up? (plan, benefits, claim) - Private Insurance, Medicare, Medicaid, Military, COBRA - City-Data Forum

Mom2Feebs · 01-07-2011, 10:57 AM

Barring a change-of-life event (marriage, addition of family members, etc), have any of your insurance co-pays, premium, or deductible gone up for 2011?

christina0001 · 01-07-2011, 08:21 PM

Yes. I had our basic plan, and it went up from $20/paycheck to $40/paycheck, and from a $750 deductible to a $1000 deductible. My employer also had been offering a health-related coaching program and if you participated, you got your insurance for $20 less per paycheck, so for the basic plan with no dependents, it was a $0 premium. Now if you want the $20 off (which won't be free), you also have to participate in these "health challenges" and they require a lot of work and effort. I don't have the time or motivation for it. I upgraded my plan so it is $50/paycheck, and my deductible stayed at $750. I shouldn't need it very much this year, but that's what I thought last year and boy was I wrong. I'd rather pay a little more per paycheck.
I'm not complaining though...this insurance is way better and cheaper than most employers around here.

Hopes · 01-09-2011, 10:23 AM

What's new? This question is like asking if the sky is blue.

Health insurance costs go up every year. Nothing is going to change that.

Healthcare reform was meant to provide health insurance to everyone, not save us money.

Mattie · 01-09-2011, 12:37 PM

We are not covered by any employer plan, since my DH is self-employed. Our payments and deductibles have not risen in the past two years.

On the other hand, my son's policy went up $30.00/month as soon as he hit his 25th birthday.

ToucheGA · 01-10-2011, 03:00 PM

I have been buying health insurance for 12 years, and I am pretty sure the fees have been increased every time January 1 rolls around

plwhit · 01-10-2011, 05:23 PM

My health insurance has increased every year for the past 23 years.

ylisa7 · 01-10-2011, 05:29 PM

My health insurance has gone up every year that I've had health insurance. At least I can pay a year at a time. My car insurance goes up every 6 months and they won't let me pay a year in advance.

BTW, I have never had any claims or benefits used from either one

texdav · 01-10-2011, 05:42 PM

Yep mine has since the company adopted the new mandates in the healthcare law.For new hires its even worse because they will get Zip contribution if they retire before medicare but can remain in the pool if they pay all cost.The mandates were bound to increase cost with the provisions like unlimited libility and chidldren dependents till 26 years of age.