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

[Anonymous]

Looking at Kaiser Platinum plan, ~$2100/month for family of 4. No subsidy.

[Anonymous]

Don't blame health insurance companies. Blame Pharmaceutical companies, private equity and greedy hospitals.

[Anonymous]

DH is a partner at a law firm so no subsidy for his health insurance. It would cost us $4500 per month for our family of 5 (no idea what the deductible would be).

I work full time and health insurance through my work is $600 per month for Anthem BC/BS with a $3000 deductible. Its a no brainer to keep working for me. DH makes $700K a year and I make $150K a year. Totally worth it.

[Anonymous]

I pay $181/month as a single, 44y/o, self-employed person with no subsidies. Golden Rule, pre-Obamacare, grandfathered plan with $10K deductible.

All the hysterics about the cost of health insurance are ridiculous in MOST cases.

[Anonymous]

Anonymous wrote:

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."

THIS right here. Republicans have had years and years to come up with something and zero, nothing. What pisses me also is that the house all went home for 2 months, got paid, and did nothing to help figure out how to solve the healthcare issue.

Not a fan of Green but at least she called them out on it and was right.

Everyone’s premium is going way up, and I hope the republicans get decimated in 2026 as people now find out that their premiums are going to sky rocket. Many will lose insurance or will not be able to afford it. Ours is going up 140% because we are losing the subsidy.

[Anonymous]

Anonymous wrote:I pay $181/month as a single, 44y/o, self-employed person with no subsidies. Golden Rule, pre-Obamacare, grandfathered plan with $10K deductible.

All the hysterics about the cost of health insurance are ridiculous in MOST cases.

No, you are in your bubble of your grandfathered plan. Go see how much it will cost you if you were not and get back to us.

[Anonymous]

Anonymous wrote:I pay $181/month as a single, 44y/o, self-employed person with no subsidies. Golden Rule, pre-Obamacare, grandfathered plan with $10K deductible.

All the hysterics about the cost of health insurance are ridiculous in MOST cases.

You have absolutely no idea what you’re talking about.

[Anonymous]

Anonymous wrote:

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.

I retired last year at age 56. Part of my severance package was 15 months of the employee healthcare plan with the employer subsidy which cost me just under $4k a year. I will leave that plan in the near future and join the retiree plan thru my former employer which will cost me just under $5k for coverage for the two of us. No dental nor vision on that plan.

[Anonymous]

Anonymous wrote:Don't blame health insurance companies. Blame Pharmaceutical companies, private equity and greedy hospitals.

I have enough blame for all.

[Anonymous]

Anonymous wrote:DH is a partner at a law firm so no subsidy for his health insurance. It would cost us $4500 per month for our family of 5 (no idea what the deductible would be).

I work full time and health insurance through my work is $600 per month for Anthem BC/BS with a $3000 deductible. Its a no brainer to keep working for me. DH makes $700K a year and I make $150K a year. Totally worth it.

I'm surprised your DH has such poor health insurance benefits working for a law firm.

[Anonymous]

Just priced 2026 ACA - no subsidies, family of 4.

The one we will probably go with:
ESTIMATED MONTHLY PREMIUM $1,655.24
ANNUAL DEDUCTIBLE $10150 per person/$20300 per group
EST total cost $20,388 per household


Cheapest plan:
ESTIMATED MONTHLY PREMIUM $1,527.56
ANNUAL DEDUCTIBLE $10600 per person $21200 per group
EST total cost $20,704 per household

If they pass enhanced subsidies it would go down to $517.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I pay $181/month as a single, 44y/o, self-employed person with no subsidies. Golden Rule, pre-Obamacare, grandfathered plan with $10K deductible.

All the hysterics about the cost of health insurance are ridiculous in MOST cases.

No, you are in your bubble of your grandfathered plan. Go see how much it will cost you if you were not and get back to us.

No, tell him to come back when he actually needs to use his insurance. If that's really what his plan costs, there are a lot of things it probably doesn't cover.

[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.

Then they're getting huge subsidies, either from their previous employer or through the government.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

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

Wasn't meant to be. It was a payback for big corporate insurance companies for their lobbying efforts. Was designed to drive up prices.

The only solution is to deregulate insurance scam and allow more competition and a free market.

Also support more "cash-only" doctors and clinics, who are required to post prices for everything online and at their business locations so patients know in advance what everything costs, with no hidden fees.

Yes, my neurologist was cash-only and just retired. So sad because I’ve been seeing neurologists for 40 years and he was far and away the best. He actually listened to me, it was amazing.

Was testing cash only? Was MRIs, CAT Scans, EEGs cash only?

[Anonymous]

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

I have one prescription that is $19,000 a month. That would be a great plan for me.