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

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[quote=Anonymous]Family of 4. Aetna PPO. This is via DH’s work BUT he is a partner/employer/owner so it is big subsidized and we are full pay. We need the PPO because I have a congenital physical disability that requires a lot of specialists and frequent medical care.

I am a contractor so don’t get benefits at my job, otherwise I would consider switching to that employer’s plan.

Monthly for our family we pay $3,600, we have a $625 in network deductible and then a $2,500 out of network deductible (both of which we meet each year). I have found our plan to be very good at covering costs but it is very expensive overall to have but the medical bills would be catastrophic for us if I went without insurance.

As for going with a nationalized system like in France or UK or Canada, I have a wide network of friends with my condition and we all swap information on specialists and around the world. I also have sought medical care in some of those countries in the past (Canada and France). It has been my experience that complex needs are poorly met under those systems, wait times are extremely long for routine issues and if your case is complicated you can forget getting specialized care (unless you’re a child). I once was sent home to die because the French doctors thought I was just too hard of a case to figure out. So the grass isn’t always greener. [/quote]

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