Anonymous wrote:Family of 6 (4 kids, 2 parents). Self employed-$1200 a month. BXBS--PPO. We are choking on this. Yea, this is why we need ACA.

? Is this your price under the new exchange? You already HAVE ACA.

Family of 4 and employer covers 100% of our premium. No co-pays for preventative services (as well at kid sick visits under 5 years old & pregnancy visits as well as L&D) No deductible. Other visits range between ($20 - therapy session with counselor to $40 - adult urgent care visit) I've always known we were super lucky but reading through this really drives it home for me.

Anonymous wrote:

Anonymous wrote:Family of 6 (4 kids, 2 parents). Self employed-$1200 a month. BXBS--PPO. We are choking on this. Yea, this is why we need ACA.

Obamacare made our rates go up...we were at about $1200/month...in order to comply with Obamacare our plan was dropped by the insurer and replaced with one with crappier coverage for $1600/month.

Did you look on the exchange for a comparable plan?

I'm curious if anyone got a better rate/coverage through the exchange than through their employer. I didn't have time to look at Obamacare this year, but I'm going to look when the exchange opens up in November and see if I can find a better plan with more coverage and a cheaper rate. We pay 800 per month for a family of 5, with $2K deductible, $30 co-pays. We're not rich, so this is a huge burden for us, but two kids have chronic conditions, so we have to have insurance.

Anonymous wrote:OP here. Thanks for your replies, PPs.

The plan of the potential employer is $460 per month for a family of 5. We would have a $2000 deductible as a family and an $8000 out of pocket maximum for in network but a $24,000 pocket max for out of network, though the deductible will count toward the out of pocket total. THis doesn't seem like a good plan - at all.

Also, the provider network is small in the Washington, DC area .... For example, several of the major hospitals in Mo Co (Shady Grove, Holy Cross) are out of network. It sucks because I want this job - really interesting work - and the money is better than my current position, but the insurance is actually making me hesitant to take the job.

We just went through this, and I would say if you love the job, take it. There's NO guarantee your current insurance will stay great!! Really, trust me on this one. We had fantastic insurance, and suddenly, we didn't. Same great employer, but health care costs are so out of control that the insurance co refused to offer that great plan to my employer any more. So now we have insurance that's not as good as the plan you describe.

$460 per month for a family of 5 isn't bad, as long as most of your current doctors are in-network. And a $2K deductible isn't bad at all. Not great, but it could be a lot worse, trust me again! Our plan isn't nearly as good as the one you're looking at.

Also, in a year, you can look on the exchange for a better plan (unless the Republicans manage to repeal Obamacare!).

I love my job, but if I didn't and had the opportunity to get a better one, I'd jump on it, even if the insurance sucked. Jobs are harder to find that health care, IMHO.

pp here: clarification: We don't pay more than $5K per year for health expenses, so basically this policy means we pay out of pocket for everything.

But, we do get the Cigna contracted price, not the "open market" price for office visits, medications, etc. So we are getting something for our $700 a month in addition to catastrophic insurance.

Anonymous wrote:Family of 6 (4 kids, 2 parents). Self employed-$1200 a month. BXBS--PPO. We are choking on this. Yea, this is why we need ACA.

Not self employed, but one earner family of 6. We pay $700 per month Cigna in-network plan (no coverage out of network). $5K deductible, then they pay 80%. Plan totally sucks. Next year we're looking for ACA plan. I'm sure employer pays something, but still, I don't see paying $700 per month for catastrophic coverage makes sense! We rarely pay more than $5K per year, so basically we have no coverage, unless we have a disaster.

I will say that we DID have a disaster a few years ago (when we had better coverage). We paid $250 out of a $300K medical bill. So that's why we pay $700 per month for nothing, but if the monthly cost goes up (which it will, when have health care costs gone down??), we're really sunk.

Zero for 4 ppl.

OP here. Thanks for your replies, PPs.

The plan of the potential employer is $460 per month for a family of 5. We would have a $2000 deductible as a family and an $8000 out of pocket maximum for in network but a $24,000 pocket max for out of network, though the deductible will count toward the out of pocket total. THis doesn't seem like a good plan - at all.

Also, the provider network is small in the Washington, DC area .... For example, several of the major hospitals in Mo Co (Shady Grove, Holy Cross) are out of network. It sucks because I want this job - really interesting work - and the money is better than my current position, but the insurance is actually making me hesitant to take the job.

$595/month for BCBS EPO for a family of three. $750 total deductible (but really, $250 per individual). No out of network coverage, but "in network" is any BCBS provider anywhere in the world. $30 co-pays generally.

Just recently moved to a new state. I am self employed so I had to find my own insurance.

For me (no kids no spouse) 220/month deductible $2000
Anything lower in price wasn't worth it and I just can't afford anything higher. And I didn't qualify for any health care help.

$83 every 2 weeks. 1 adult, 2 kids. united health care. $15 copay. No out of network coverage. No deductible. Can get gap insurance if there is no in network provider within 20 miles.

Anonymous wrote:

Anonymous wrote:Family of 6 (4 kids, 2 parents). Self employed-$1200 a month. BXBS--PPO. We are choking on this. Yea, this is why we need ACA.

Are you under the impression that obamacare will make your rate go down?

I'm a family of 6 with bcbs care first ppo too. We pay 818 a month. We've had it for 10 years or so and it was 426 a month forever. Almost Doubled in three yrs. I looked into Ava and it was substantially more unfortunately.

$400/no family of 4. no deductible. corporate policy. Aetna PPO.

$250/month family of 5 United PPO $500 deductible. I went back to work this year and this is through my company. My husband is a fed and this is almost twice as good as the insurance we had the past 10 years through his job.

18:40, did you look to see what the plans were that were available through the health care exchange or did you just go with the plan that your insurance company said was replacing your plan? I don't think that the cheapest plan or best plan on any of the health care exchanges would have you paying $1600 a month. Just curious because it sounds like maybe you didn't cost compare before you signed up. Lots of the insurance companies ripped people off by saying that the rates were now higher for an individual plan but didn't point out that better plans are available on the exchange.