Nannies- what do you do for health insurance?

[Anonymous]

I will preface this by saying I do not live in the DC area and it is not the norm for employers to pay for a nanny's health insurance where I live. If I moved to a more affluent area, perhaps it would be a possibility but that's not an option right now. I will be starting a new job soon and I need to get health insurance. What do you do for health insurance? If you are a single woman, would you be comfortable sharing approximately how much you pay per month? Thanks in advance.

[Anonymous]

How's your overall health? That makes a big difference. I've heard anything from 200-600/ month, depending on several factors: location, age, life-style, health history, etc.

[Anonymous]

Overall health is good. I'm 33, non-smoker. I am overweight but do not have preexisting conditions.

[Anonymous]

I'm a nanny in DC and I pay for my own health insurance. Mine just went up from $173 to $184 with Kaiser.
I'm single, 28, don't smoke but overweight.

[Anonymous]

I currently get health insurance through the dad's company. It's a great policy and I'm very lucky.

Prior to this when living in New York I had an individual policy with Blue Cross/Blue Shield that my employers paid a portion of. Health Insurance in New York is very expensive. My last policy was $785/month.

[Anonymous]

I'm in Washington (state) and I buy an individual health plan through a statewide company. It just went up from $185/month to $225/month. I pay it because I needed a plan that offered MRI coverage, but there were several cheaper options I passed over.

[Anonymous]

Fair warning: being overweight will lead to much higher premiums, if not lead to you being outright rejected from many individual plans. It sucks, especially if you are otherwise healthy, but it's the reality, especially since you are almost in your mid-30s. So I would get on this now, perhaps work with a broker.

[Anonymous]

I'm from Ohio and I only pay $70 for my plan. It's a high $5000 deductible plan but preventable care is free. When it comes down to it $5000 is a drop in the bucket campared to what it could cost. I'm 23, non smoker, not overweight.

[Anonymous]

28, nonsmoker, overweight (but not as much when I first got the coverage- barely overweight then!) and I pay 119/mo for a high deductible plan ($1200) through care first

One perk- even though they don't cover anything in full until I pay my deductible (except some preventative care) they do reduce the bills I pay. So if a dr charges $400 for my visit but insurance only allows for $80, I'm only having to pay $80. This once brought a $5000 MRI bill/dr fees to about $400! Big difference.

[Anonymous]

I've never been asked to submit any doctors' notes or submit to a physical to buy my health insurance - perhaps I've just been lucky with the states I lived in, but it's never been required from me. Which is all just to say that it's possible your overall health may not even be a factor in trying to pay for a plan.

[Anonymous]

23, nonsmoker, healthy. My employers pay for my own single plan which is about 140/month with BCBS.

[Anonymous]

My employers pay for my health insurance. Rate is around $200 a month.

[Anonymous]

I have Healthy SF (in San Francisco). I have no quarterly fee or any co-pays since I am below the limit on having that (I only work PT and $0-$904 earned monthly or something like that, you don't have to pay). If I earned more, I would have a quarterly program fee (would vary on income earned) and same with co-pay fees.

I am lucky because my work exchange doesn't get counted towards my income and it covers my rent/utilities etc so it is really half my income. My other half of income stays in that $0-900 group.

[Anonymous]

PP here, Healthy SF is NOT insurance but health COVERAGE. I can only get stuff done in SF, have a medical home and a hospital assigned to me (and a specific location I need to go to fill prescriptions). That said, all doctor visits are covered, I can go see specialists when my doctor recommends me to with a referral, I don't have to pay for prescriptions if covered by the program, I get emergency care taken care of and ambulance for life threatening cases.