How much do you pay per month in health insurance premiums?

[Anonymous]

This year my portion for a family of 4 for the PPO that my employer offered was $550 a month. Then the deductible was $1k and coinsurance 30 percent.

We switched to an HMO (Kaiser), with no deductible and minimal out of pocket costs. Employee portion of the premiums is now $250 a month.

[Anonymous]

Self employed, plan is $875/month for family of 4. $5200/year deductible which we hit about 1/2 way through the year. Coverage since then has been decent, some prescriptions are now free, not really sure what the coverage is on visits - maybe 75%? It means we are certainly front loaded on our health care expenses due to the high deductible but I calculated that we are still better off on an overall basis than with a higher payment/lower deductible. With the high deductible plan we were able to fund an HSA for $6,250 which is tax deductible. And our premiums are tax deductible since we are self employed.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Family of 6 (4 kids, 2 parents). Self employed-$1200 a month. BXBS--PPO. We are choking on this. Yea, this is why we need ACA.

Obamacare made our rates go up...we were at about $1200/month...in order to comply with Obamacare our plan was dropped by the insurer and replaced with one with crappier coverage for $1600/month.

Same here. Obamacare for my family of three is $1,700/mo for BC/CS with a $2,000 deductible.

[Anonymous]

Anonymous wrote:18:40, did you look to see what the plans were that were available through the health care exchange or did you just go with the plan that your insurance company said was replacing your plan? I don't think that the cheapest plan or best plan on any of the health care exchanges would have you paying $1600 a month. Just curious because it sounds like maybe you didn't cost compare before you signed up. Lots of the insurance companies ripped people off by saying that the rates were now higher for an individual plan but didn't point out that better plans are available on the exchange.

Don't count on it. PP here who is paying $1,700 for my family of three on the exchange. The exchange's rates are age-based. If you're over 50, not to mention 60, the prices go up dramatically.

[Anonymous]

$100/month for family coverage Carefirst BlueChoice open access. No deductible. $20/primary care $30 specialist, $100 ER.

[Anonymous]

None. 100% employer-paid.