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Just pointing out some facts in some posts thanks!
The part that is missing is that most people don't really know what their plan really costs. $1500 for a family plan is not out of line. Your employer might only pay 50% the employee portion of that cost so your out of pocket on that is higher. Other employers might subsidize the entire family and you pay just a small fraction of that total cost. The instant blame for the premium, however, runs to the insurance company, when the reality is, the owner of the plan has much more control over the amount you pay, aka your employer. So, in the case of a certain Texan, if her "employer" paid 50% of her premium, she would be right in line with just about everyone else here, but fails to realize that. Interesting how her premium last year is now down to $575. .
I've always said that my 2014 premium (that's "last year") was $575 - because it was - and that it basically doubled to $1137 in 2015.
There's nothing inconsistent in my story, because I'm telling the truth.
And to clarify - not for you since it seems to fall on deaf ears, but for anyone else reading this - we don't have any kids. This $1137 a month premium is for two adults.
How many people have though about dropping health insurance because they can no longer afford it under the affordable health care act? I have. $1000 month? for a family of four. More than my current mortgage. This is just nuts. We have seen our health insurance premium double in the last 5 years.
I believe you. Ours has also doubled - and our deductible has soared out the roof as well.
Now we don't even have any copays till we reach our increased deductible. So basically, unless one of us has a lot of health problems, we're paying out the wazoo for what is only catastrophic coverage.
I don't pay anything for my health insurance through my employer. The premium is 0 regardless of family size or previous health issues. I pay no deductibles if the provider is in network if outside of network the deductible is $350.00 for family. There is no co-insurance it pays 100%. This also includes vision and dental insurance at no cost to employee. Generic drugs $7.00, name brand $15.00. It covers basically everything, my spouse had a major health issue this year to the tune of $250,000 out of pocket $0. Very blessed to have it.
Exactly how my insurance is and I pay $400 a month.
I've always said that my 2014 premium (that's "last year") was $575 - because it was - and that it basically doubled to $1137 in 2015.
There's nothing inconsistent in my story, because I'm telling the truth.
And to clarify - not for you since it seems to fall on deaf ears, but for anyone else reading this - we don't have any kids. This $1137 a month premium is for two adults.
It's still considered a family plan since there is more than one person on the plan. Doesn't matter if it's 2 or twenty on the plan, it's still family--qualifying for the family HSA contribution if eligible, etc., etc., etc. Your story has been all over the place with "details" and again, your costs are in line with what a family plan costs, especially if your "company" paid half or more of the premium like an employer plan does, which is what this thread is about.
It's still considered a family plan since there is more than one person on the plan. Doesn't matter if it's 2 or twenty on the plan, it's still family--qualifying for the family HSA contribution if eligible, etc., etc., etc. Your story has been all over the place with "details" and again, your costs are in line with what a family plan costs, especially if your "company" paid half or more of the premium like an employer plan does, which is what this thread is about.
Qwerty:
You are flailing your arms about with all of your replies. You must work for an insurance company. Yet you cannot answer a few simple questions directly. What do you think is the maximum a person should pay on a monthly basis for adequate coverage AND what percentage of their net income should be the contributed to health insurance?
Would you think that if a person spent 30% of their NET income on health insurance that would be manageable? How about 50% of their NET income? Is there any limit to what someone should pay for what is becoming catastrophic only coverage?
Your story has been all over the place with "details" and again, your costs are in line with what a family plan costs, especially if your "company" paid half or more of the premium like an employer plan does, which is what this thread is about.
I have been very consistent with my facts and figures. Sorry if you haven't been able to keep them straight in your own head.
Though I realize it's easy to get confused since the industry keeps morphing and moving the goal posts and issuing and then canceling plans, raising deductibles, playing shell games, and changing the rules as new policies and laws kick in each year.
I honestly feel like the big plan all along has been to implement socialized medicine. Right now I feel like we as a nation are being "trained" in a punitive manner, to go to the doctor less often, to accept more restrictions, more expense, more limitations, more government involvement, more "rationed care," etc. and all at a significantly higher cost to those in higher income brackets, regardless of who is actually USING this medical care and actually running up the costs. I feel like the whole debacle has been structured to make us finally scream "UNCLE!!!!!" and accept socialized medicine.
Last edited by KathrynAragon; 12-18-2015 at 09:07 AM..
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