how much are you paying for health insurance (not employer sponsored) per year?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you're a family of 4 in Northern Virginia (2 middle age adults/2 preteens) - how much are you paying for health insurance if you're self-employed / not employer sponsored? What are your deductibles & copays?

$28,000 + $10,000 deductible= $38,000 out of pocket per year. 100% coverage once that is met

Do you hit this deductible each year? IME not a lot goes to the deductible so you’d end up paying a lot more. If I didn’t have a chronic disease, I’d probably buy the cheapest plan out there and just self pay. Most of my doctors don’t take insurance anyway.

Not every year. Currently we have met $9879.04 of our $10,000 deductible. 100% of the allowed amount goes towards it.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you're a family of 4 in Northern Virginia (2 middle age adults/2 preteens) - how much are you paying for health insurance if you're self-employed / not employer sponsored? What are your deductibles & copays?

$28,000 + $10,000 deductible= $38,000 out of pocket per year. 100% coverage once that is met

Do you hit this deductible each year? IME not a lot goes to the deductible so you’d end up paying a lot more. If I didn’t have a chronic disease, I’d probably buy the cheapest plan out there and just self pay. Most of my doctors don’t take insurance anyway.

Not every year. Currently we have met $9879.04 of our $10,000 deductible. 100% of the allowed amount goes towards it.

Right but say I go to therapy. About $60 of the $225 is "allowed" so I'm paying a lot more overall.

[Anonymous]

2 early retirees, our cost jumped from $1800 to $2200/mo for health and dental.

[Anonymous]

Anonymous wrote:You’d almost think the Affordable Care Act wasn’t affordable.

They took away pieces that were essential to making it work. They took out the requirement for everyone to purchase insurance. Now people can pay nothing into the insurance pool for years and sign up once they start to get old and sick. They also allowed scam insurance plans in. They are cheap and they are worthless.

Plus it’s still very expensive because premiums go up crazy amounts every year. When you apply for Obamacare subsidies it will depend on your income. If you get 50% subsidized by the government your monthly payment can still be $2,000 a month. But without the subsidy the premium monthly payment would be $4,000 a month.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If you're a family of 4 in Northern Virginia (2 middle age adults/2 preteens) - how much are you paying for health insurance if you're self-employed / not employer sponsored? What are your deductibles & copays?

$28,000 + $10,000 deductible= $38,000 out of pocket per year. 100% coverage once that is met

Do you hit this deductible each year? IME not a lot goes to the deductible so you’d end up paying a lot more. If I didn’t have a chronic disease, I’d probably buy the cheapest plan out there and just self pay. Most of my doctors don’t take insurance anyway.

Not every year. Currently we have met $9879.04 of our $10,000 deductible. 100% of the allowed amount goes towards it.

We pay our $10k deductible on the first day because I have $22,000 worth of prescriptions every month.

[Anonymous]

We are in MD rather than VA but pay around $25,000 a year plus a $6000 deductible for 2 people. We had to basically set up an employer plan to get it down to this level.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Family of 4 in Maryland. HHI $113k. We will drop down from a silver to bronze value plan with a $10k deductible. We still qualify for $783 in a tax credit and state premium assistance (thank you Maryland), reducing the monthly premium to $960. This is 3x higher than what we are currently paying.

That is a bargain for 4 people!

dp.. MD ACA is cheaper than VA. I priced out both.

[Anonymous]

Anonymous wrote:We are in MD rather than VA but pay around $25,000 a year plus a $6000 deductible for 2 people. We had to basically set up an employer plan to get it down to this level.

That's insane. Is this a PPO?

I priced out just now family of 4 in MD - HMO HDP bronze plan is $1550 for medical. Oldest in the plan is 61.

[Anonymous]

Anonymous wrote:2 early retirees, our cost jumped from $1800 to $2200/mo for health and dental.

Sounds like retiring early wasn’t a good idea. $21,600/year times how many years?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:You’d almost think the Affordable Care Act wasn’t affordable.

You'd almost think the Republicans have been dismantling the Affordable Care Act piece by piece since the day it was passed.

Yep. Even though it's basically a Republican plan they hate it for some reason.

The plan enacted by a Democrat president and passed by a Democrat Congress with zero Republican votes? Yeah, super Republican plan. 🙄

It’s Romneycare. What they implemented in Massachusetts when he was governor

[Anonymous]

Anonymous wrote:Ours is $4500 a month for 2 middle aged parents and 3 teens. We don’t have a deductible in network and I can’t remember what it is out of network because our network is really good, even for our kid in college out of state. It’s carefirst point of service. There’s a copay for everything except annual eel visits, which I think is $20 primary, $30 specialist $50 ro urgent care, and $100 for Er. That’s the price after the 10% increase for this year.

What percentage of your net pay is that? Assume your net pay is 25k a month, that's a whopping 18% of your net take home pay JUST for health insurance.

Folks is that living in a great country? This is why high salaries are so misleading.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Ours is $4500 a month for 2 middle aged parents and 3 teens. We don’t have a deductible in network and I can’t remember what it is out of network because our network is really good, even for our kid in college out of state. It’s carefirst point of service. There’s a copay for everything except annual eel visits, which I think is $20 primary, $30 specialist $50 ro urgent care, and $100 for Er. That’s the price after the 10% increase for this year.

What percentage of your net pay is that? Assume your net pay is 25k a month, that's a whopping 18% of your net take home pay JUST for health insurance.

Folks is that living in a great country? This is why high salaries are so misleading.

This is why heat after year people feel they need XYZ to feel comfortable. We are an advanced "civilized" western nation and yet it's totally acceptable for a family of 4 to pay $4k/month for healthcare.

The way it works is they will point out to the poor Africans with the big bellies and flies over their heads and tell us see we have it good in this country..don't fall for it.

[Anonymous]

Do all retirees pay as much as the people here? I am pretty sure my in-laws pay around $600/mo so I am surprised to see costs in the 2k+ range.

[Anonymous]

Anonymous wrote:Do all retirees pay as much as the people here? I am pretty sure my in-laws pay around $600/mo so I am surprised to see costs in the 2k+ range.

No, only early retirees without access to employer based health insurance or Medicare are paying in the 2k+ range per month. Most likely they are very wealthy since those premiums represent less than 8.5% of their income. If it were more than 8.5 % of their income, they would be eligible for ACA subsidies, although some of those are expiring.

[Anonymous]

Anonymous wrote:You’d almost think the Affordable Care Act wasn’t affordable.

Healthcare premiums were rising prior to ACA, which was actually enacted, in part, due to rising premiums. Premium rises actually slowed during the first couple years of ACA. Our memories are short.
The individual mandate would have been key to keeping prices down. It's noteworthy that Republicans have not been able to produce an alternative plan in the past 15 years. They can only complain about it, yet have zero to offer to replace it other than "concepts of a plan."