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

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

What prescription is $19K a month?

[Anonymous]

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

I'll continue to blame greedy health insurance companies as well! Look at all the countries with Universal Healthcare---the way you do it is realizing that healthcare should not be a "for profit" industry. With UHC, you don't need thousands of execs at Aetna, UHC, BCBS, etc making millions (or at least $500K+/year). Rates are set based on the COLA for your area. You don't need workers whose job it is to deny claims. If a doctor says you need an MRI or certain medication, you need it and you get the service for a set price.
There won't need to be 3-4 month fights between major hospital systems and certain healthcare companies almost yearly to decide if they are still "in network" as they negotiate who gets paid what. Yes, you will eliminate many jobs, but those are mostly non medical people who can work in other industries (office jobs). Thus reducing the costs significantly

[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

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

What prescription is $19K a month?

DP: Many are like that. Have a parent who has been on medications like that for 10+ years. The actual med changes every few years as new ones become available. They have a form of leukemia that is not curable but highly treatable (people live 20-30 years from it, most are diagnosed in their 50/60s+, it rarely is the cause of your death, but you must use the treatments to stay alive and deal with their side effects...basically it's a weekly "chemo pill"). The pharmaceutical companies offers some subsidies and my parent has a local organization that works to provide relief so my parent typically only pays $400/month for the meds. without it the parent would be dead by now, and without the assistance, not sure how they would afford $15-20K/month for medication (they couldn't )

[Anonymous]

My enbrel is $8.7k a month. Our monthly insurance premium is $2150. Max OOB is $8050 for the year.

[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.

This is us too. I work for the healthcare. It’s so odd that we tie healthcare to jobs in this country.

[Anonymous]

Anonymous wrote:

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.

This is us too. I work for the healthcare. It’s so odd that we tie healthcare to jobs in this country.

+1

We should not tie healthcare to a job. It's a basic human right.

Have been lucky to always have good coverage for reasonable price at work. we currently pay $600/month for full family coverage (medical/dental/vision)--thats employee, spouse and as many kids as you have. That's with $2.5K family deductible (1.25K per person) and the first $1.5K is funded by the company. That plan would cost us $2.4K on Cobra. So company covers $1.8K/month. That's ~$23K in benefits for just medical (dental is great coverage, no copay for cleanings and once per year X-rays, vision is new lenses and frames every year and yearly vision check). Add in those and multiply by 4-5 and you have almost $30K in benefits.

[Anonymous]

Anonymous wrote:

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.

While I totally agree with you

Trump said today "we shouldn't even have elections"

Yep that is where we are.

MAGA cult of stupids did this