Has anyone compared health ins premiums for 2 adults vs family?

[Anonymous]

I am just curious about this one. We can keep our kids on our health insurance until age 26. That I knew, but I just found out one of the kids can stay on after age 26 if he is disabled. We are just going through the classification now. So I am wondering if anyone has looked at the difference in premiums between 2 married adults and 2 adults + dependant. I am just trying to get an idea of what this is going to cost us. Once he gets the classification, then we will talk to my husband's hr dept about it.

I should add we have private insurance, paid in part by my husband's employer. We pay $900 per month for 2 adults and 3 kids right now including one kid that's between 18 and 26.

[Anonymous]

The cost of family insurance should not change until all your children are off your plan. At least with the feds there is an option of two adults that is separate from family insurance but the price difference is negligible. With the federal plans , two individual plans are often less expensive than the family plan so two married feds might take that option.

[Anonymous]

Anonymous wrote:The cost of family insurance should not change until all your children are off your plan. At least with the feds there is an option of two adults that is separate from family insurance but the price difference is negligible. With the federal plans , two individual plans are often less expensive than the family plan so two married feds might take that option.

That is not an absolute. Many employers charge a per person price to be added to the employee’s single premium. It’s very common in larger companies that self insure.

[Anonymous]

My company has great insurance, but the monthly premium is:
$2500 for family or
$1500 for husband and wife.

It really depends how much of the premium your company picks up. It's not always a flat % across the board. They usually pick up less of the family policy

[Anonymous]

I pay $1400 per month for my kids and me. DH gets coverage through his work so doesn't need my coverage, but it would have been an extra $500 to add him to my plan. I don't know if that extra $500 would be the same if we had a dependent kid over the age of 26 but it's at least one data point for you for cost of adding an adult. I also think it's interesting that my premium is for 1 adult + kids but it doesn't matter how many kids (same price for 1 or for 5 kids).

[Anonymous]

You all are getting a bargain. We pay $4500 per month for a family of three for BCBS.

[Anonymous]

Frequently, the two adult plans are comparable in price to family plans. The feds added a two-adult plan a couple of years ago, and people in my office were somewhat surprised that the price was only negligibly lower than the family plan. I think the likely explanation is that most families are likely to have two healthy adults and a few healthy children. Many two-adult plan holders are likely older adults, who may have higher medical use and costs.