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" The high cost of health care is persisting during the pandemic, even for people lucky enough to still have job-based insurance.
The average annual cost of a health plan covering a family rose to $21,342 in 2020, according to the latest survey by the Kaiser Family Foundation, a nonprofit group that tracks employer-based coverage. Workers paid about a quarter of the total premiums, or $5,588, on average, with their employers picking up the rest of the cost."
"The survey also underscored how much workers with health insurance still have to spend out of pocket for their care. In addition to paying for their share of premiums, most employees face a hefty deductible — an average of $1,644 for an individual. That is more than twice as high as it was in 2010, when the average for a single person was $646, according to the foundation."
Location: East of Seattle since 1992, 615' Elevation, Zone 8b - originally from SF Bay Area
44,825 posts, read 81,789,377 times
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My premium is about $50/paycheck for medical, vision and dental (every two weeks, maximum medical annual out-of-pocket $2,000, drugs $400. This is not as nice as the "Cadillac Plan" we had before Obamacare, but I consider it to still be quite reasonable.
I believe it is called Obamacare. I listen to my kids talk about their premiums and their deductible. It is mind boggling compared to what we paid and our out of pocket expenses when we were both still working prior to retirement
I believe it is called Obamacare. I listen to my kids talk about their premiums and their deductible. It is mind boggling compared to what we paid and our out of pocket expenses when we were both still working prior to retirement
my husband and I had to drop our policies because we simply cant afford to live if we had to pay for health insurance . Our paycheck does not allow any variation of funds so we pray to God that he keeps us healthy until our medicare kicks in . I know some of our friends have had to take their adult kids in because they simply cant afford to live on their own . I do think we need some plan to put in place of obamacare but something that wont put us in the poor house either . I really doubt we will ever see that sort of plan though.
my husband and I had to drop our policies because we simply cant afford to live if we had to pay for health insurance . Our paycheck does not allow any variation of funds so we pray to God that he keeps us healthy until our medicare kicks in . I know some of our friends have had to take their adult kids in because they simply cant afford to live on their own . I do think we need some plan to put in place of obamacare but something that wont put us in the poor house either . I really doubt we will ever see that sort of plan though.
Sad to say, I really don't see a solution either as between the AMA, the hospital conglomerates, and the insurance companies pump an enormous amount of Money into our law makers pockets to keep the status quo. Any new proposal is going to be in benefit of those groups, as with Obama Care they probably would write it.
The only proposal I have seen that bears consideration and it would take years to enact for our general populace would be Biden's idea of gradually lowering the age for Medicare, first step to 60. I am thinking of actual Medicare, not the all things, all people, "Medicare for All" that nobody really knows what it is except another handout to the usual suspects who will write the bill just like Obama Care.
As an employer, we have been complaining about rising health care cost way before Obamacare was a twinkle in anyone's eyes.
Remember, employer plans have always been the basis for what the ACA became so they have always been expensive compared to individual plans. Just look back at all the pre Obamacare complaints about cost when people decide to use COBRA. So, cost for employers' plans have always been high especially since we absorbed the majority of the plan cost be it self or fully funded.
Now if you look back at the research or even the many post from employers and knowledgeable employees here on CD about actual cost, employer plans stabilized after Obamacare with some even having cost reduction. So, why are the rates going up so much? Simple, Obamacare gave us the golden opportunity to have a scapegoat to shift cost from me to you. Because so many dolts expected Obamacare to cause rate increases, we jumped on that bandwagon to decrease our percentage of coverage and shift it to the employee. The fact that so many due to politics or stupidity assumed the rates would rise for everyone, they never realized the percentage of what they had paid pre ACA had risen post ACA.
And, get this, we still are getting away with cost shifting due to employee ignorance!!!!
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