Spinoff regarding health insurance

[Anonymous]

I feel bad even saying this one, but here are my Tricare retiree figures:

I pay no premium for myself or family as a medical retiree. I have a $300 family deductible for in- and out-of-network and a $3,000 family OOP max.

[Anonymous]

Retired. 2 people.
1350/ mo retiree secondary for both
Medicare B 370 each or 740/mo
Plus of course deductibles and copays and coinsurance

When DH was working the same policy now secondary was primary and we paid about 1000/month for it.

So insurance is more because Medicare is no bargain.

[Anonymous]

Anonymous wrote:I feel bad even saying this one, but here are my Tricare retiree figures:

I pay no premium for myself or family as a medical retiree. I have a $300 family deductible for in- and out-of-network and a $3,000 family OOP max.

Yes, you do pay a premium (called an "enrollment fee"). They take it out of your retirement pay. It's not a lot, but there is a premium.

Also, when you are 65, you will be required to buy Medicare Part B. So, what is "low cost" today, will cost you more when you turn 65.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I feel bad even saying this one, but here are my Tricare retiree figures:

I pay no premium for myself or family as a medical retiree. I have a $300 family deductible for in- and out-of-network and a $3,000 family OOP max.

Yes, you do pay a premium (called an "enrollment fee"). They take it out of your retirement pay. It's not a lot, but there is a premium.

Also, when you are 65, you will be required to buy Medicare Part B. So, what is "low cost" today, will cost you more when you turn 65.

You don't pay that as a medical retiree (Chapter 61 retirees). And in any event, the $375/YEAR in family enrollment fees for Tricare is a lot lower than any civilian premiums I've seen.

I don't think the $200/mo of Medicare Part B coverage (plus free Tricare for Life) outweighs the zero premium $3,000 OOP max health insurance completely untethered to your employment for decades.

But if you think my benefits suck, that's fine. I love them.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I feel bad even saying this one, but here are my Tricare retiree figures:

I pay no premium for myself or family as a medical retiree. I have a $300 family deductible for in- and out-of-network and a $3,000 family OOP max.

Yes, you do pay a premium (called an "enrollment fee"). They take it out of your retirement pay. It's not a lot, but there is a premium.

Also, when you are 65, you will be required to buy Medicare Part B. So, what is "low cost" today, will cost you more when you turn 65.

I'm no Medicare whiz, but doesn't everyone have to pay the Part B premiums?

[Anonymous]

Single, F500 employer. 150k salary. Switched to Kaiser HMO with HSA a few years ago. Cost is $31.28 per pay period. Max the HSA at $4,000 which includes $600 contribution from employer.

Deductible is $1,600 and MOOP is $4,000. I treat the HSA as another investment account and have way more than $4,000 in it and cash flow all health costs. Never hit the deductible.

Kaiser has been great. Fancy newer facilities. Certainly no worse than the PPOs I was on before, and if anything, more efficient. Sticking with the PPO would have been an extra $100 month or pay period, not worth it.

[Anonymous]

$113 biweekly premium

My OOP costs are $30-$45 per MD visit and some meds. I don’t know what I would pay if I had to have surgery, but I assume not a lot.

No deductible

Employer is DoD (civilian)

Single, no dependents

[Anonymous]

Anonymous wrote:I feel bad even saying this one, but here are my Tricare retiree figures:

I pay no premium for myself or family as a medical retiree. I have a $300 family deductible for in- and out-of-network and a $3,000 family OOP max.

Sir, you deserve that benefit and much more. Don’t feel bad

[Anonymous]

$2700 a month for a high-deductible ACA plan with HSA. We also have to pay $18,000 out of pocket to hit the family max. DH and I both work but do not have access to employer based health care. We are 56/57. Two of our kids are also covered by this plan. While it is not ideal, we also made a choice to be self-employed and I can deduct the premiums from my business income.

[Anonymous]

GWU employee, about $850/month pre-tax for health care and another $100 for dental. Family of 4 with 2 kids, 16 & 18. We have the Aetna PPO https://openenrollment.gwu.edu/faculty-staff/faculty-and-staff-comparing-medical-plans which is new this year, it was UHC prior to the change starting 1/1.

[Anonymous]

Last year, $175/month premium with company health plan with $3,500 deductible although doctor office visits just had a copay. I’m single. About $25 per month for dental and vision.

This year I started Medicare. $185/month Part B, $174/month Medicare supplement and $34/month dental. Part B goes up to $203 next month and other payments will also rise.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I feel bad even saying this one, but here are my Tricare retiree figures:

I pay no premium for myself or family as a medical retiree. I have a $300 family deductible for in- and out-of-network and a $3,000 family OOP max.

Sir, you deserve that benefit and much more. Don’t feel bad

+1

[Anonymous]

Self + family federal HDHP. $400/month (agency subsidizes additional beyond OPM tables). Deductible $3400, OOP Max is something like $10K (we've never come close to hitting it). We save an additional $500/month into an HSA and get the pass-through of $150/month.

[Anonymous]

Newly retired - I'm 56 and DH is 62. Health care for 2026 will be $220/month for Kaiser due to income-based premium tax credits. It's the silver plan, but we'll receive higher benefits (94% coverage) than the platinum plan because of cost-sharing reductions.

We qualify for at least the next two years because we have no pension or other earned income, and DH won't be taking social security for at least 5 years. We have to make more than ~150% of the FPL or we'd be placed against our will on Medicaid. We'll take enough money from our IRAs to stay at this income limit.

[Anonymous]

Self employed, mid-50s. High deductible ACA BCBS plan is $740/mo. Hopefully I got my specialist visits out of the way for a few years so I don’t have to pay any co-insurance!