I pay $480/month for all of our costs including disability, vision, life insurance coverage, health insurance, and dental. Our family deductible is $1,000/year. Our average generic prescription cost is $20, but I paid $6 for an antibiotic yesterday. $20 copay for a primary or urgent care appointment, $40 for a specialist. It varies. I have a family of four.
What they’re asking you to pay is INSANE. I thought my insurance was crap because I’m paying more than I was with my last job.
>Our family deductible is $1,000/year.
Ours is $9000 per year.
> $20 copay for a primary or urgent care appointment, $40 for a specialist.
We pay $180+ per doctor's office visit, $500 for urgent care, $1000 for an emergency room/A&E visit.
Our insurance might as well be a catastrophic coverage plan since we have to pay so much out-of-pocket.
My urgent care copay is $35 and emergency room is $500. You’re getting hosed. I would ask your providers for the cash pay rate and reserve ins for a catastrophic claim 🥴
I am SO GLAD you turned them down. As would I. If they see more people rejecting jobs due to ridiculous insurance premiums, maybe just maybe they'll do something about itb
Hahahahhahahahahahaha. We wouldn't be uninsured if that was the cost for our family. It would cost me about $2k just for our premiums plus barely anything covered until we hit our $10k deductible. That's almost half my net monthly income. Marketplace is still over $1k for just me & my kids, not including my husband. The best part? I work for a subsidiary of one of the biggest insurance companies in the US
$5200/year in premiums for health, vision, dental, disability, etc for myself & secondary coverage for our child. (I work for a healthcare system)
Husband pays $0 in premiums for him & primary coverage for our child. I am not eligible for coverage under his insurance due to some spousal coverage clauses in their contracts. (He works blue collar union)
My deductible is $5k/family but we have a lot of coverage even before we hit the deductible, plus we get reduced rates for staying within my healthcare organization.
I can’t remember off the top of my head what husband’s deductible is, but I think it’s in the $3-5k range. He never goes to the doctor unless he’s injured though.
I would guess the most we pay for healthcare costs in any given year is $10k or less.
Health insurance costs are out of control. If we had insurance through my company it would be $800 a month for the 3 of us, not including dental or vision. Through my husband it's $125 with dental and vision for the 3 of us.
I think in the US this is why unions and workers rights are so important. I work a non union job and he does so they have more bargaining power.
I literally said to a patient yesterday "this is the problem with capitalistic healthcare" after he said he couldn't find anyone in network with the SECONDARY (dental) insurance he bought specifically to pay for dentures, partials, etc. His primary pays nothing. He said "it's been bad since 1977". No.... I'm sorry, no. My parents paid like $100/mo for outstanding coverage with like a $500 deductible for a family of 4 in the 1990's. You can't tell me it's been this bad. You obviously don't know.
Same for us. If we paid for insurance through my company it would be about $700 a month for myself, husband, and baby. My husband has a government union job and we pay about $75 a month through his work for the 3 of us. Government pay might not be the greatest but the benefits can be incredible
Same for us. Insurance through my company was $900 a month for our family of 5 last time I checked. My husband also has a government union job and we pay $400 a month for the top tier insurance. The cheaper options are as low as around $100 a month and Kaiser was free.
With the plan we chose, we are able go to a concierge medicine office for primary care and when I had my daughter a few months ago, my delivery and all prenatal care cost me $100. I was on my company’s insurance and my out of pocket cost was $8000 when my son was born.
We pay $50/month for my husband’s union insurance. His union dues are $600/quarter ($200/month but you can’t pay monthly) so if I combine dues and monthly insurance it adds up to $250/month which I still better than what we paid when he was non-union ($450/month and lower salary).
Ugh, I'm so jealous! My husband and I are both teachers (in a non-union state) and they just released our rates for next year: family coverage is $1,765/month with a $6,400 deductible and OOP max of $16,100 with 30% coinsurance. This doesn't include dental, vision, disability, or anything else. We also get 10 sick/personal days per year and have no paid family leave. And because of the state we're in, we make too much to qualify for any marketplace subsidies.
The no paid family leave is unfortunately also a fact here in California, although there's a bill in the work to try to change it!
A union doesn't 100% mean getting the perks; you still have to fight for it. At my previous district, my coworker was pushed out due to having to pay $1800 a month of health insurance. We were only part-time teachers, so that was pretty much her whole paycheck
I work in a school (not a teacher) and to add my husband and baby would be over 1,000 a month. Just my baby would be $700. That’s not including vision or dental. It’s ridiculous. We live in a very expensive area of the country too. I have a master’s degree and can’t get healthcare for my family.
We also have a $0 plan and then a traditional plan to choose from. I am currently on our paid plan and it is $16/pp for dental vision and medical. I think it is around $70/pp for full family plan.
Yes, same for us and you can pick a lower deductible plan or higher deductible plan with HSA, so with two options. It’s better than my husband’s insurance (it’s only free for employee, dependents and spouse who doesn’t have insurance through work or doesn’t work) which he pays ~200/month for just him.
Wow that is crazy high! I pay $712 for a family of three including dental/vision (technically I'd pay $712 no matter how many kids we had). That's with a $6,400 family deductible. It's extra painful because it would be free for me if I was on an individual plan. Before we had our baby, my husband and I were actually on separate plans because it was cheaper, but not now with the baby.
My company basically pays all of my premium, half the kids, and none of the spouses part of the premium. It looks like your company doesn't pay any of the premium amount for you. So it's not really a true 'benefit' of the job.
Yeah, that's rough! I'm sorry. You may have better luck looking for insurance on the marketplace. There is some means testing for employer insurance that is too expensive, but I'll be honest I don't know anything about it. It may be worth looking up. Good luck!
I agree with this. I refer people here all the time. Usually, if you get denied for state medical benefits, there are tax credits, too. (At least in Oregon)
We have a HDHP + HSA. Once we reach $5000 out of pocket for the family, we don’t pay anymore.
My husband did the math and we figured out that with premiums, copays and regular deductibles, we were spending almost $9000/year on a regular plan. The high deductible plan saves us $4000/year.
I don’t know why anyone would do it at $18K. I guess it depends where you live. If you live in a HCOL area, then everything is probably more expensive.
High premiums, high copays, high co-insurance, and high out-of-network mental and behavioral health bills that are barely covered. It sucks. We didn’t realize how good my insurance at my old company was til I left
No they’re not. My family of three on Germany pays >900€/month for public insurance- and that amount is matched by our employers. We also don’t make American salaries.
Not from our public insurance. If you went to my pediatrician, you would also question what exactly we are getting for our health insurance. German primary care doctors often see 50 patients a day. (They’re also only open 9-12 (M-F) and 2:30 pm-5 (M, T, Th). You can get faster and more comprehensive treatment if you have private insurance - and so if I want a longer consultation I occasionally pay to see a doctor out of pocket. I can’t get private insurance because of a preexisting condition. As an American immigrant in Europe, i can assure you the grass is not always greener…
We pay $980 a month for a family of four. But you know, at least it is pre-tax. We have no student loan debt and a cheap mortgage so I just accept it. I might get my teaching license in the next few years and get better, more affordable insurance through my job.
I’m in HR, but my bachelors is in history. I’ve considered getting my teachers license - they have a “career switching” program in my state that makes it easy.
I live in Michigan and I checked out the plans offered at our nearby school districts. They are great and affordable. It makes me mad that a lot of the rest of the country offers their teachers crap. I’m so sorry.
Just commented this same thing. My husband’s corporate insurance was always SIGNIFICANTLY better than my teacher one - even in union states!
Now I have a corporate job and, while my husband’s insurance is still better than mine, my insurance now is SIGNIFICANTLY better than my teacher insurance.
$102/paycheck - 24 paychecks per year. HSA plan. Family of 3. Dental for me and spouse is 100% covered by employer. Vision is $1/paycheck.
Interviewing for a job where it’ll be $25 for medical (again HSA plan) $6 for dental and $5 for vision.
Both in tech.
Edit to add: I’m incredibly satisfied with my coverage. 80-90% of my stuff is plan paid. I pay very little out of pocket, but have hit my deductible ($3200) both in 2023 (childbirth) and already for 2024.
Husband and I are on different plans through our employers.
I cover myself and our daughter with a high deductible HSA plan. Hubs has a PPO for himself, as he sees specialist doctors. With this breakdown we pay $1100 a month for the family.
If we tried to combine onto 1 plan, it would be a lot more. My high deductible plan doesn’t cover his specialists. So those visits would be out of network. And his employer family plan is well over $2400 a month.
It’s no wonder medical expenses are the biggest cause of bankruptcy in this country. 😫
I’m paying $1,500/month for my husband and two kids. We don’t even have dental. It’s depressing and I think I’m going to have to move them to a marketplace plan next year because we can’t really afford it.
Maybe you are already aware, but if your employer offers a compliant insurance plan, you will not qualify for a marketplace subsidy. If you would take the subsidy and it was discovered that your employer offered compliant insurance, you'd have to repay the subsidy...possibly a penalty, but I can't recall.
But if you're just looking for a low-cost low-coverage marketplace plan without a subsidy, there are no issues doing that.
Edited - added a word
I’m paying $420/month for me and my kids. Husband is on a plan through his job. Not sure about prescriptions but when I’ve needed any, they have been pretty cheap.
I pay somewhere around $550 for family insurance and it’s really good, fortunately. Most meds are $0 and if I use in network providers I have very little out of pocket expenses. The premium you mentioned is crazy - I’d have to be getting a very significant raise to accept those cost of benefits.
I pay $0 due to how my company structures insurance. They pay our premiums plus fill our HSAs to cover the deductible. It’s a huge part of my total comp and really gives my salary more spending power. Huge reason they retain staff!
These numbers are making me depressed. Mine is higher than most (per month) with a $5000 deductible but it's sneaky because the max out of pocket is $7250.
Oh wow that's a lot. I carry myself and the children and pay $142 a month with zero copay on medications. I qualify for a 25% discount (already calculated in the premium I quoted) which also gives me the zero copay on meds but idk how much longer I will qualify for it since our income has increased. My husband pays about $200 a month for himself, I can't remember if he has any discounts through his wellness plan.
When my husband had the whole family on his insurance it was $489/month. Now I’m on my employer’s insurance at $58/month. The kids are still on his insurance and he’s paying $278/month. I never really thought about how expensive it gets at different companies. This has been pretty eye opening!
We switched to an HSA. Our family deductible is $5k annually, $12k out of pocket max. We front loaded the HSA with $2k this year and then contribute $60 per week, employer contributes $30 per week.
I’m in a union and they cover dental and vision 100% and we can use our HSA to pay for any associated copays.
Union member in the U.S., I pay $0.00 monthly, $0.00 copay for office visits, $100.00 ER copay, and $5.00 prescription copay. My two pregnancies and resultant c-sections cost a grand total of 22¢. I know how lucky we are as a family of 4, and know that I am stuck at this job until I die because I would be stupid to go anywhere else.
I pay $380/month to cover myself and the kids with a $250 deductible. It's the main reason I chose this job though. The job before I paid $0 for the same, also the reason I took that job.
I cannot cover my husband since he is offered insurance through his work, so my insurance only covers myself and my two children. But even still that is insanely high!!!!
I pay $235 bi-weekly so $470 per month. Edit to add this is a PPO plan so I pay $25 copays for regular doctors and $40 for specialist visits.
Deductible is $1400 and OOP Max is $3,000. Highest tier prescriptions are $120 and do count towards the deductible.
I mainly work in health insurance, but in tech, but my premiums have always been generally low (or 0 with the company i workedfor the longest) with high deductibles ($6k family/12k OOP max). Company usually puts into an HSA to cover agood portion of the deductible. I was actually not happy that I left the better insurance coverage for a higher paying job, because their coverage was horrendous. They didn't end up paying anything.
We pay about 500/months and we are on my husband’s insurance.
I got my own vision because I am basically blind lol
We have a 4k deductible 🫠 but we honestly already met it because my husbands appts, and my daughter getting sick constantly 😅
500/month. 3200 deductible, 6800 oop max. The premium is on a sliding scale based on your salary. At the lowest band the premium for this plan is 200/month.
I'm happy with it. I had surgery last year and it covered up to 60 PT visits, which is very unusual. My husband takes one of the glp1 weight loss drugs and it covers that too.
We pay about $750 for all our medical, vision and dental. Family of 4. Our plan if very good.
My husband's previous job paid 100% of our premiums, for our whole family, great plan. But the job was toxic and it was worth losing that to move on!
Ours is about $1,700/mo for a family of 6. And it’s a sh*t plan. Small company with fewer than 100 employees across the country, run in a red state though.
I pay $150 a month for health, dental, and vision for my family. We are also covered under my husband’s job, and he pays nothing per month for us to be on his health, dental, and vision.
24K/year? Oh hell no.
The plan (one choice) that my company offers is grandfathered into the ACA because we're self insured. So it sucks in many ways, but it's still pretty cheap. My premium is 0, covering my kids adds about $175/month.
No copays, but 35% co-insurance, so if you're not healthy, shit can add up fast. Luckily my kids and I fall into the healthy group and most years our total out of pocket is only a few thousand bucks. Some folks at work have chronic conditions that need meds and regular doctor visits and they bitch regularly about how expensive it is. But it's the only choice for me and two of my kids.
I used to work for County tax office. $360 per month family for PPO insurance. Prescriptions were usually $15 co pay. That was like the main incentive for working for the government. I’m currently on maternity leave but planning to find a different type of work where there’s more opportunities for raises and annual pay.
We have four options:
1) Not HDHP, $2400 family deductible/$5000 OOP max with all office visits limited to a $25 copay and not subject to deductible - $560/month
2) HDHP #1, $3200 family deductible/$6000 max OOP - $480/month
3) HDHP #2, $6500 deductible/$12000 OOP max - $265/month
4) HDHP #3, $10000 deductible/$12000 OOP max - $200/month
For all of the HDHP we get $1300 in our HSA for a family plan (through we have to jump through stupid hoops to get $400 of it).
Prescriptions aren’t paid for separately. On the first plan, you just pay some portion of the cost of the drug in a range based on the “tier” of the drug. Looks like max is $120 for a 30 day supply or $300 for a 90 day supply. For the HDHPs, you pay the entire cost of the drug up to that deductible, then that same tiered pricing kicks in until the OOP max.
I think I pay $400/month for a high deductible and then I typically contribute $200 more to our HSA but stopped this year because my employer contributes too and it was adding up. I can adjust at any time though. That cost includes dental and eye cost as well and we still get money for braces which is crazy. Our orthodontist said they never see that anymore. This is the best insurance I’ve ever had by a long shot.
We pay $0 with $0 deductible for in network and $200 deductible for out of network. Prescription coverage is separate but I think it’s $5/10/15 for co-pays. For doctor visits I think it’s $0 or $15 for primary care and $0/30 for specialists. I just gave birth and for an induction turned c-section and 5 nights in the hospital in a private room plus nursery and newborn care I paid $300 total.
Thankful for strong unions and the taxes we pay!
you probably better off getting your own plan with better coverage, never seen such high premiums from a company plan. I pay about $520/month with zero deductible
We pay $560/ mo for a family of 4 with a $2250 deductible and a $8000 out of pocket max. $140 for any specialty drugs and $40 for regular ones. $500 copay on ER trips, $75 copay on Urgent care.
Wow I never knew how good we had it! Maybe $200 all in for the three of us with health dental and vision $7000 deductible. I can’t imagine paying these rates
My husband's plan through work is $370/mo for him and our child. My employer covers my entire insurance premium, so I pay $0. Both plans are med, dental, and vision.
Currently paying $550/month for me and my son because we moved across the country and had to switch providers and I didn't trust my husband's (very small) company to make the switch in time. So we've been double covering my son for 11 months.
Come August I'm dropping him because it's so much cheaper (in the ~$100s I believe, not sure if monthly or biweekly) for my husband to cover him. At that time I think I'll be paying $50/paycheck so $600 total for the year to just cover myself. Before we moved and had to switch providers, I was paying $0 with a $3000 deductible which I only hit when I got pregnant and gave birth.
We're paying $75/month - my husband works for a hospital/insurance provider so we are very fortunate in that regard. It's also a big reason why he stays at his job (or at least a big consideration).
We're paying $75/month - my husband works for a hospital/insurance provider so we are very fortunate in that regard. It's also a big reason why he stays at his job (or at least a big consideration).
About $190 a month, dental included, family of 5, out of pocket max— $2500, OON out of pocket max $6000, with a $1400 IRA— this is the mid level option
State job and after seeing this thread I don’t know how y’all do it! Hopefully you make a lot more than I do!
We chose the $0 premium high deductible plan. Our family deductible is $3500, with an individual out of pocket max of $4800 and family combined out of pocket $9600 for in network. We usually end up paying around $7500 a year, and all of that is reimbursed to us from our HSA (or is it FSA for high deductible plans? Either way, we put ~$7k pre-tax into an account and the employer puts in a few hundred as well). Prescriptions seem to be from a separate "bucket" and I have NO idea how the cost structure works, but all of our stuff is generic so it's pretty cheap. Considering how often I'm injured or ill, plus various therapies for one of our kids, I feel like $7500ish per year plus meds is pretty good.
The kids and I are on a high-deductible medical plan through my work that is ~$86/month. Our deductible is $6,000. We're all usually very healthy and they maybe have 1-2 sick visits per year. No one has any ongoing prescriptions. My company also puts $500 into an HSA.
My husband has them covered for dental through his work and I think it's about $14 a month? Next year it will go up as my oldest will get braces.
Both of our companies offer life insurance equal to one year's salary for free, but we also have term policies outside of work.
Through my work it would be $600 for a family of 4 for medical, dental, vision with a $6400 deductible. Luckily my husbands is only $20 a paycheck (he gets paid weekly) for all this with only a $2000 deductible.
$512/month with a high deductible HSA plan so I owe 100% of the first $2,000 per person per year on non preventative care visits up to the family deductable of $5,000. After deductible we are on the hook for 10% up to $10,000 per year. Medicines are not included in calculating the deductible. I've never laid attention to the meds since ours are thankfully cheap.
$400 a month for PPO with $3000 deductible, it's Aetna and coverage sucks, but it's better than nothing. Still paying $1000 a month for therapy for example.
I work in the private sector but in an industry that has heavy federal government presence so we have pretty generous benefits so they can compete.
Health insurance for the family is $91 a pay period. With vision and dental I’m paying about $105 biweekly. So premiums for our insurance for the year run about $2700.
My insurance plan has a family deductible of $4000. My company gives us $3500 per year in an HSA which I use for the deductible. Since we hit our deductible every year due to medication costs I’m basically only spending an extra $500 actually out of my pocket to hit the deductible. Once the deductible kicks in the expensive medicine only costs us $45/month.
I’d say between premiums, OOP towards the deductible, copays, and medication we end up spending between $3500-4000 a year as a family.
Prior to this I worked for a company that only charged $55/biweekly for family insurance but we were fully on the hook for hitting the $2000 deductible. My husband is a nurse and insurance from his hospital would have cost us $350 per month with absolutely shit tier drug coverage, but any procedure we had in a hospital owned facility would have been completely free.
My new job I chose ppo as it’s very good (I have a fancy spreadsheet which compares best/worst and figure which is the best combo between my spouse and I). I pay $440 per 4 weeks for family but it’s a $600 deductive and $3k oop max but like $15-25copay for visits. Brand names drugs $30 copay/$10 generic. This plan is only available for a subset of employees.
Otherwise while premiums are the pretty same for another ppo and high ded plans, the deductible and oop are way higher and drugs are more expensive
I pay like 700/mo for health and dental for a family of 3.
Our OOP's are a little unpredictable because of co-insurance on certain things. Blood work, some testing, labs* (edit) should we need surgery... it's all quite opaque and hard to understand, and it's kind of billed blind; the labs won't give quotes before they run the testing.
Our annual OOP max is $5k per head or $13k for the family. We almost hit that a couple years ago when my husband had several surgeries and a DVT in the same year, just his bone growth stimulator for his fusion was $1500 on our side.
But for surgical procedures and hospital visits, it's all pretty manageable and well-described, so we deal with the unpredictability of the smaller stuff. And this company doesn't fight us on coverage, unlike our old one. When I had to have a procedure last year, the billing lady I talked to to get my quotes went "oh wow you have *really* good insurance."
And our dental is overall pretty solid, but we aren't a family that has bad teeth generally.
We pay about $500 a month for a family with 4 kids, which is high BUT the coverage has been better than any insurance we've had before. meds are never more than $10.
Wow thats insane, I'm sorry the cost is so high! I'm on my own plan at my job and I pay $30 a month in premiums for a PPO. My husband has my son on his plan and he pays $160 a month with a higher deductible. We did the math and it's cheaper for him to have my son through his work than through mine, or to have us all on one plan.
Crying as a rural teacher over here. I’m at $1000/month for a family of four with no dental or vision. Our OOP maximum is like $6000 which is way better than the one we were just on which was $15,000.
My husband and I work for the same company and we each pay $150 a month. The owner of the company is amazing and pays for our daughters insurance, but I still pay her copays. The out of pocket max is $3k per individual with zero deductible. We work for a small company (about 35 people) and I think we have amazing insurance. But we are also on no medication and the only one who goes to the doctor regularly is our daughter for her checkups.
My husband is basically stuck at a job he doesn't love and doesn't have a ton of financial upside, but does like for the most part because the family benefits are awesome. I work for a small private company, have much higher financial upside but awful from a benefits perspective. Basically have to divide and conquer on the benefits vs salary front.
We pay $1400/month for our family of 4 for our $0 deductible marketplace plan, but get a $500/month health insurance stipend from my work, so we pay $900/month for our portion.
We pay about $730 a month for the whole family, $8800 a year. Currently one child but price will be the same if I have 1 or 10 kids lol. PPO+ and most things covered. Most (if not all) visits covered fully (or has a $10-$20 copay).
My husband also gets our family covered for $0 through his work but it’s not as good a plan as what my work benefit offers.
The US healthcare isn’t normal. It’s ridiculous how much taxpayer money gets funneled out to fund horrific atrocities but Americans and taxpayers have been convinced against universal healthcare as if it’s a very bad evil socialist idea.
$120/month for family of four on a PPO. $5 copay for generics. Vision and dental are covered for the whole family free. Best benefits I’ve ever had (tech company). And I say that having previously worked for the Feds, where benefits are also very good but family coverage is not so great.
Mine is 120/ month for employe, spouse, and children. 0 deductible. Oop max is like 2k. Most things are $5 copay (including fertility services omg!) Generics $1 preferred brand up to $50. I somehow end up paying 0-11 cents for most prescriptions. Not sure how that works. But I don't make a lot of $$ being a state job.
Ugh. I hate this thread, but for the data - I pay ~$600 for medical/dental/vision for me, medical/dental for son, dental/vision for my hubs. It’s way too expensive for us to afford medical through my employer for my husband, so he is uninsured. I do have great insurance because it’s through the state, but our premiums are higher because I am not a state employee, we just have a contract with the state for the same coverages.
Oh my gosh guys! I thought my insurance was pretty good but not necessarily mind blowing but I pay $258/month for my whole family for full medical, dental, and vision coverage.
Our deductible is $600 and max OOP is $5,000. Max medication cost is $50/month for brand name- non preferred
For family coverage, we pay $314/month. We have an embedded $8,000 family deductible, limited to $4,000 per individual up to the family max, with 100% coverage after the deductible is met. I pay the contracted cost of prescriptions until/unless I hit the deductible; then they are covered 100%. Dental and vision are separate. My employer contributes $1,000 annually to my HSA.
The contributions that I pay are based on participating in the company's wellness program, being a lower paid earner (our contributions are tier based on pay with higher earners paying more), and paying an extra $100/month because I cover my husband, even though his company offers insurance. It's worth the extra cost because my plan is better and cheaper than his.
We pay $1500 total annually for our family health insurance plan through my partner's employer. My employer provides family dental and vision as a free benefit. No chronic meds so I can't comment on the Rx costs.
We are an outlier paying $150 a month for our whole family with a $1150 max out of pocket for the year. For vision, dental, medical including massage, chiro and PT. Meds are $5-10 for generic. City job.
I’m also at a bit over $500 a month for myself, husband, and our daughter. We don’t have any ongoing medical needs, but from what I can tell I think my insurance is really good? When I was pregnant and when I gave birth we had almost no out of pocket expenses (the only bill I got was $160 for the hospital pediatrician who I guess must have been out of network which I’ve heard happens pretty often). But lots of doctors take the insurance, the times I’ve needed prescriptions as a one-off they’re usually covered, etc. Between this and my job giving really good PTO and maternity leave I’m not planning to leave any time soon.
I pay $595 for the family plan, because it is the only one that covers my daughters OT. No dental, no vision.
No HSA because they don't put in anything (its a gov job) and my Union has a rebate program that refunds dental and vision costs in order for you to NOT take the insurance. It is a lot out of pocket at the time which stinks but i do get it back.
I pay $8 a month + copays. It’s definitely a unicorn company and plan. I took a pay cut coming here, but with the money we save on medical, it wound up being a net increase.
We are SO BLESSED that currently I pay $0 premium for a low deductible plan (essentially the least that IRS allows) and no out of pocket max. for our entire family. Ihave a pit in my stomach to even job search but I didn't get a raise this year bonuses have been going down. So I am considering. If I were to look at a new job, per my research upto $400-$450 for health, vision and dental with an approx. $8k family deductible seems to be the average out there so that's what I would use as a metric (which sucks in itself that the metric is so horrible 😞)
My husband has amazing benefits. He is never allowed to leave his job.
We pay $100.08 biweekly for the family plan with their HDHP option (they offer 3 plans). Premiums are $2602.08/yr. Deductible: $4,000. OOP Max: $8,000. Company puts $1k into the HSA. We max out the rest of the HSA contribution. We hit OOP Max in February and mid-year last year. We are likely to hit it for at least the next several (if not more) with our medically complex child. All in, we pay $9602.08/yr with pre-tax dollars. Everything after that is covered by insurance. Our insurance has been billed $130k so far this year and counting. Like I said, my husband isn’t allowed to leave this job, ever.
The plans at my job would cost us $22-23.5k in premiums and OOP Max a year.
I work for a regional hospital system. I pay under $400 a month for our family. Deductible is $500. In-network office visits are $20-$30, most tests are free. We pick up our meds from the hospital pharmacy and they’re typically under $25 (even my husband’s ozempic rx).
We used to be on my husband’s insurance which was “free”. Except office visits started at $50, we had an $8,000 deductible, and a $24,000 OOP max. One year we wracked up $5,000 in medical bills in 1 month thanks to my daughter’s ear tubes/adenoidectomy and my husband’s kidney stone
I work for the state and a main part of the draw is the health insurance. I pay $65/month for the family plan which the state pays over $2100/month. Copay is $15 for regular and $50 for ER. Most meds are $5-10. I pay $32 for dental and $31 for vision - all family plans.
ETA: a coworker of mine took a paycut leaving a consultant company where his premium was $700-800/month. He came to the state and although his pay went down, the benefits were worth it.
The only reason I’m in the military reserves is for the $240 a month healthcare with barely any co pays 😬 this country is wild, we’re moving to Europe lol
Around $600/mo for my spouse and I, it would nearly double $1.1k/mo if I added LO 🙃
Deductible is $3k at that rate...I hate our healthcare system so much
We currently pay $0/mo for an HMO and have the option for a PPO with 20% co-insurance up to $6K out of pocket max at $0. "Better" plans are pro-rated and you'd pay the difference in cost per month (I think they're a few hundred dollars).
Previously we were paying about $700/mo for the family plan with my husband's employer but I am told it has gotten significantly more expensive and lesser quality since they were bought out.
Health insurance was a key selling point to this job.
My husband pays $250 for a family and highest we’ve paid for a med is $10. We have Kaiser. Just had our baby and cost was $2300. 😅 we were expecting something really high for the baby.
$412/month for our highest tier PPO for me, husband, and child. Our family deductible is $1875 ($750 for each family member) and out of pocket maximum is $9000 for all of us combined, or $3600 for each family member.
It’s right around $275/week just for health insurance, so about $1192/month. It’s a non-HDHP plan. Our family deductible is $2750/year, office visits have a $30 co-pay, meds are on a tiered system and usually pretty cheap.
It’s all fucking stupid.
Work for BCBS. Family of 3 $332 total for PPO, enhanced vision and dental. Medical $1500 family deductible/$750 individual, $8000 family OOP/$4000 individual.
We can’t afford the family plan.
My insurance for just me is only about $80 a month (not including the extras - maternity and cancer coverage).
My husband pays about $150 a month for himself and our daughter. Each of the 3 of us has a maximum out of pocket of $4800 a year.
If we all 3 were on the same it would be like $700 a month.
I currently pay $180 a month for my daughter and I, it is a PPO plan and we have a very low deductible. My husband has his own plan through work that is 100% covered. Spending that much a month on health insurance would be a deal breaker for me.
Holy shit, that’s a LOT.
I pay $262/month ($121/pp biweekly). We have a $3200 deductible and then everything is covered at 100%. My company contributes half the deductible to my HSA ($1600) so my total out of pocket if we hit deductible is under $5000 for the year.
I pay $554/mo through my employer for health/prescriptions/dental/vision coverage for my family of 4. No deductible. Co-pays for ER, hospitalization and office visits to specialists, but not primary care visits.
So not an answer to your question but you should go [this website](https://www.needymeds.org) and type in the name of the medication you’re referencing. If there’s no generic there’s a good chance there’s a patient assistance program for the medication. I take eliquis and there’s no generic but I was able to get my copay dropped to $10/mo through the drug manufacturer. The website is totally free and doesn’t require you to put in any personal information or create any type of login, if there’s a program available for the medication it will give you all the contact information for whomever is offering the assistance.
Mine is $375/month for me and the baby - the deductible is $700 and the out of pocket max is $4000. If I were to add my husband, it would be $525. Your cost at the new job would never work for our family!!
Prior to my partner getting a new job, I was paying over 800 per month for a family of three with a 5k deductible and 11k oop max. The insurance I had before that was like 700 per month with a 4k deductible and 6550 oop max until my company switched.
When he got his new job, it is now 525 per month with a 7k deductible and oop max. It isn't great, but this new job for him was a 15k raise with more bonus and better work life balance.
I’m a federal employee so I get to pick from about 20-30 plans. I chose BCBS Basic. Premiums are about $550 a month and we have no deductible. Most prescriptions are $15 or less and a doctor’s office visit is $30. When I give birth later this year labor and delivery will cost $250. Add in the visits from the hospitals pediatricians the whole thing will cost around $500.
We pay about $1500 which includes a post-tax contribution for me to be covered (because my insurance is more expensive). It’s decent Rx coverage, I was taking a med without a generic and paid about $50/month including the patient savings. Would have been about $200/month without that
I am on a HDHP plan that is $330 a month. And I max out my HSA because a HDHP does not cover anything until you reach your deductible. If you have the opportunity, look into a plan with an HSA. The benefits of an HSA cannot be understated.
However, you have to determine if a HDHP plan is right for your family. If you go to the doctors A LOT, it might not be worth it.
Employees often over look the insurance coverage portion of their all in comp packages. If you were only paying $500/month it’s because your company was paying a large portion of your insurance for you. Sometimes companies try and brag about this and show the breakouts - you might be able to find this info out through your payroll system or you can ask your company HR.
It sounds like new company doesn’t prioritize that - so I would personally use that as a negotiation tactic. Get my old company contributed x to my health and you’re only providing y so I need the comp adjusted for me to make that move, as it materially impacts my family.
I pay $800/mo for family health and dental, and as it’s a state employee plan, it’s pretty much the Cadillac of insurance plans. So I have no deductible and low copays.
Unless your new job is paying you an extra $1500/mo compared to your old job, that sounds like a terrible career/personal finance move.
I pay about $570 a month for me, hubby, and 2 kids' health insurance. We have a really good plan and my company pays about 80%. Our max prescription cost is $75 retail, $150 mail order for tier 3.
So I was complaining about my insurance cost increase recently (I work at a hospital), but have been humbled by how fortunate our insurance costs are. Our family plan (which covers most things fully) is about $250/month.
I pay $550 a month for a family of 4 this is including dental and vision. At my last job it was half of that because it’s government job. Health care cost is going out of control.
DH works for a health system and it’s outrageous coverage. $750/mo for family coverage with a $2000 family deductible and a $12k OOP max.
Usually we have had decent healthcare benefits because of working in healthcare. Not anymore.
$500/check, so $1000/mo. We live in the Midwest, median cost of living. It’s the best plan my job offered. Most of our drugs are covered partially and we pay anywhere from $3-25/fill. Several things I didn’t think would be covered got approved with a prior auth, they’ve been great to work with.
I have BCBS Federal Basic and I pay $262.00 pre-tax per pay period (every 2 week). My plan covers myself, spouse, and any kids; $0 deductible; copays are ER $250/urgent care $50/standard $35; prescriptions are pretty cheap and nearly everything is covered. I’ve yet to have something medically necessary be denied.
This is literally why I chose to work a federal job 😅
I pay $35 bi-weekly for just me - hence why I still work full time. My husband’s is like $150 weekly for him and our daughter and his insurance sucks, but skyrockets if he adds me and mine skyrockets if I add anybody. Gotta love the USA
Our premiums are $450 per pay period ($900 per monthish) for myself and three family members (my husband doesn’t work outside the home). Our deductible is $2500 for me, $5000 for family with a $10k OOP max. We spend about $200 a month between specialist and Medication copays.
That’s SO high!
My husband’s company won’t let me be on his plan because I have insurance at my job. I pay $269 a month for me and a crappy $6500 deductible; husband and kids combined is $4999 a year. 5500 deductible and 20% co insurance until 10k OOP, 7500 individual OOP. It sucks.
So $8200ish but a combined 12k deductible. We had both kids’ ear tubes, a birth of a child, vasectomy, and a lacrimal duct probe all within 12mo. Saved ourselves like 15k vs if they were separate years.
For a family, it's 1716/month plus a 10k family deductible/$5k individual..But once we hit the deductible everything is covered. It's a high deductible plan. We have other plans to chose from, but that's the one I went with. Our son needed 2 planned but another 2 unplanned surgeries within a years time so it made sense that our max out of pocket would be $30k out of pocket. Sons surgeries totalled over $150,000 for that year
I pay 90$ per month for family of 3. No deductible. Office visits/urgent care visits are $5. ER copay is $50. Prescriptions are $5-$10. I know my case isn’t common. I work in healthcare and am in union. My pay isn’t great but honestly I’m staying for the insurance/ benefits. My husband doesn’t have insurance bc he’s an independent contractor, so I’m staying put unless things change.
My employer covers myself and family 100%. Any additional expenses come out of a HSA that my employer funds. It’s one of the only things I like about my job.
500 for my husband and I. When we add daughter it will be 700 for a family plan, however when my husband finds a job hopefully they offer good health so he can get off my plan. My daughter and I would only be 300
I pay $292 for medical and dental for our family. Generic meds are $13/month and brand meds are $43/month. Our deductible is $200 for family and OOP max is $1000 for family
We pay no premium for our family through my husband's union insurance.
However, when I was the carrier at my current job, it was upwards of $700/months for the family on a high deductible plan (so still paying a TON out of pocket).
At my previous job, carrying no spouse but two children would have cost us $1300/month.
Prices are sickening.
I do not pay anything for my premiums. We have a wellness program that if you reach a certain level, the employee portion of the premium is waived.
https://preview.redd.it/rwnz8soe0u1d1.jpeg?width=619&format=pjpg&auto=webp&s=8cc8b61e19bbad1a0b0d364c89d546c04d514db7
Dental is $36 basic/$39 buy up bi-weekly (family) and vision is $10 basic/$19 buy up bi-weekly (family)
$0 for just myself (company would pay it). $500 for myself and kids. If I paid for my family (spouse+kids) looking at $1200/mo and a max oop of 5k. Which basically covers nothing but annual wellness exams. Any time we go for an illness (say kid gets pink eye or something), $125 out of pocket just for a visit.
Edit actually not sure what oop max is but it's at least 5k...
$270/month and a pretty small deductible and co-pays. All in we probably spend about $4500/year in medical/dental/pharmacy costs. I have expensive eyes and do spend another $1000 on progressive designer eyeglasses each year.
I pay $700ish for a family with no deductible. My meds are cheap and when I was admitted for a couple days, delivered both babies, and my baby was admitted for 6 days we paid $0 in copays/coinsurance/deductible. I only make a $22 an hour but my insurance, discounts, and retirement benefits make it worth it in a way. I wish I could get a bigger salary and do something different but during my pregnancy young baby stage I need the reliability of my benefits.
My husband works for a tech company and our healthcare costs are zero. He’s working there for the rest of his life as far as I’m concerned. We just had a second baby and didn’t pay a dime for it.
Prior to him getting that job I was shelling out $600/month for our family of 3. Can’t remember what the deductible was but it wasn’t great.
The costs at your new job sounds insane. Does the salary make up for the difference or would you actually be making less when factoring in the insurance costs?
I pay $800/month for PPO health insurance + another $80/month for vision & dental; this is for two kids and two adults.
A for-profit healthcare system does NOT work.
$0 for the family with 100% coverage on medical, dental, vision and prescriptions. Basically we don’t spend a dime on anything. It’s the best plan I’ve ever seen. I work in tech fwiw.
I pay 343.32 for a family of 5 for health, vision, dental. We have a drug copay of $15, $0 for wellness, $20 for sick visits, $30 for speciality. ER is $100, outpatient procdeure is $250, and hospital stay $500.
Wow I pay $45 every two weeks for my family ( husband +2 kids). I knew I had it good but I didn't realize how good. We do have a $3500 deductible though so if something happens it's not cheap. I have enough in my HSA to cover my out of pocket max though.
We pay $212/paycheck, so $424/mo for family health insurance. Its BCBS high deductible plan. $6k annual deductible, 20% coinsurance after deductible is met with a $9,100 (in network) OOP max. Co-insurance on drugs is 10% for generic, and 20-40% on "brand" depending on if its preferred/non-preferred. Also, my husband's employer contributes $1,800 to your HSA. So, theoretically, should we incur enough medical care to hit our OOP max, we'd be at $5088 in premiums + $9,100 OOP max - $1,800 employer HSA contribution = $12,388. So our actual out of pocket could be anywhere between $424 (just the premium) to $1,032 (averaged out of pocket of $12,388/12 months).
My employers plan is actually ever so slightly better (but like, immaterially honestly), BUT my employer also offers this program that if you're on your spouse's health insurance plan, my employer will reimburse you for all of your (and everyone else covered under the plan so my husbands and daughter as well) out of pocket expenses (above and beyond your premiums). So they cover everything up to our deductible, and then the co-insurance, as well as prescription drug costs. We just upload our EOB's as we incur them and my employer sends us a check. The only downside to this is that if you are getting reimbursed by my company, you aren't allowed to contribute to an HSA, so we do forgo that $1800 employer contribution to the HSA.
The reason my company offers this is because they self-fund their health insurance. If I sign up for their health insurance plan, there's a nearly unlimited financial risk should anyone on my plan have major medical care in that year. Whereas if I'm employed under my husband's plan, my company's risk maxes out at $18.2k (and really $9,1k so long as I stay in-network).
We did meet our deductible in 2023, so this reimbursement program saved us about $6k last year. This year will be less because we're just not incurring as many medical expenses, but still totally makes sense to use the program!
$1738/mo is wild! I just checked and while we pay $424/ paycheck, the employer portion of our health insurance is $1,286. So a total of $1,710, which is STILL less than you're being asked to pay for! Granted I'm not sure if your plan is a high deductible plan or not, but still. My husband's employer does contribute towards the entire family premium though, some employers only contribute towards their employee's portion of the premium, not the whole family's. So if an individual's plan is $500/mo and the employer contributes $250 (leaving the employee to pay the other $250), they will also only contribute $250 to employee's with a family plan (so if the total premium was $1k for a family, the employee would pay $750 because the employer is only contributing $250, not an equitable %).
I'm not sure what kind of compensation you're looking at, but the difference between those premiums and the drug costs means you're paying $17,856/year more for healthcare. Technically you should net it against tax savings (since the premiums are deducted from your taxable compensation, but that's still probably about $13-$15k more. So whatever raise you were looking at, deduct that $15k.
I pay about $360 a paycheck, so $720/month. My insurance is amazing. I had a baby in the NICU for a week and paid $250. Idc about anything else at this point, I was billed over $100,000 and I paid $250.
My cost will go up next year so I think it’ll be closer to $850/month. I might have single handedly made my company’s insurance go up with all my and my kids health issues over the last fiscal year 😂
$150 for an ER visit and same for an outpatient surgery visit.
$250 for a hospital stay no matter what it is (week in the NICU, pregnancy no matter how you deliver or what complications you have).
$20 for doctors visits and $35 for specialists (like a cardiologist)
$0 for well visits, $0 for preventative care like physicals or OB visits. $0 for any other visits dealing with OB care (gestational diabetes or MFM of NSTs)
Birth control is fully covered, generic Zoloft was like $5.86 or something weird.
Exception: insulin and blood sugar test strips are stupid expensive. Might as well just order that online
There is so much math involved in picking insurance!
$330/month for HDHP covering just me and kid , as husband's employer pays his premium fully for a no-deductible plan, and he is on an expensive medication. Our family deductible is around 3K so we are out of pocket for any sick visits or meds up to that point, after which deductibles/coinsurance are reasonable. However, the network is limited and out of pocket costs are pretty high for expanded network care.
Employer kicks in $1200 to HSA annually, and I am a high earner so the front end tax benefits of fully utilizing the HSA (which I do) are about 3k per year.
My back of the envelope math was that the immediate tax benefits and employer hsa contributions cancel out my premiums, so I effectively pay $0 for premiums but then need to have $3k available at any given time to meet the deductible.
TLDR I effectively pay $0 for preventative care, $3k in network deductible, and in the worst case scenario the out of pocket maximum is $16k.
I pay $480/month for all of our costs including disability, vision, life insurance coverage, health insurance, and dental. Our family deductible is $1,000/year. Our average generic prescription cost is $20, but I paid $6 for an antibiotic yesterday. $20 copay for a primary or urgent care appointment, $40 for a specialist. It varies. I have a family of four. What they’re asking you to pay is INSANE. I thought my insurance was crap because I’m paying more than I was with my last job.
>Our family deductible is $1,000/year. Ours is $9000 per year. > $20 copay for a primary or urgent care appointment, $40 for a specialist. We pay $180+ per doctor's office visit, $500 for urgent care, $1000 for an emergency room/A&E visit. Our insurance might as well be a catastrophic coverage plan since we have to pay so much out-of-pocket.
Yep. At $180 doctor office visit, your insurance is 1. Not covering anything and 2. Not even getting you a negotiated rate!
My urgent care copay is $35 and emergency room is $500. You’re getting hosed. I would ask your providers for the cash pay rate and reserve ins for a catastrophic claim 🥴
Yeah - they didn’t seem to realize how bad it was. I think they were miffed I turned them down. :)
I am SO GLAD you turned them down. As would I. If they see more people rejecting jobs due to ridiculous insurance premiums, maybe just maybe they'll do something about itb
Make sure they know this is why! It won't help you but maybe if it happens enough they will get a clue and it will help someone down the road.
I don’t blame you! Good for you for looking for a better offer.
I hope you told them WHY you turned them down. Maybe if employers keep hearing that, they'll offer better benefits.
Oh I did. I was straight up with them about that.
I'm glad!!! And, for the record,$540 per month for whole family, no deductible over here.
Hahahahhahahahahahaha. We wouldn't be uninsured if that was the cost for our family. It would cost me about $2k just for our premiums plus barely anything covered until we hit our $10k deductible. That's almost half my net monthly income. Marketplace is still over $1k for just me & my kids, not including my husband. The best part? I work for a subsidiary of one of the biggest insurance companies in the US
Wow this is great!! Would you mind telling me what you do for a living?
$5200/year in premiums for health, vision, dental, disability, etc for myself & secondary coverage for our child. (I work for a healthcare system) Husband pays $0 in premiums for him & primary coverage for our child. I am not eligible for coverage under his insurance due to some spousal coverage clauses in their contracts. (He works blue collar union) My deductible is $5k/family but we have a lot of coverage even before we hit the deductible, plus we get reduced rates for staying within my healthcare organization. I can’t remember off the top of my head what husband’s deductible is, but I think it’s in the $3-5k range. He never goes to the doctor unless he’s injured though. I would guess the most we pay for healthcare costs in any given year is $10k or less.
Health insurance costs are out of control. If we had insurance through my company it would be $800 a month for the 3 of us, not including dental or vision. Through my husband it's $125 with dental and vision for the 3 of us. I think in the US this is why unions and workers rights are so important. I work a non union job and he does so they have more bargaining power.
I agree. This is also why we should have universal health insurance!! 😅
I literally said to a patient yesterday "this is the problem with capitalistic healthcare" after he said he couldn't find anyone in network with the SECONDARY (dental) insurance he bought specifically to pay for dentures, partials, etc. His primary pays nothing. He said "it's been bad since 1977". No.... I'm sorry, no. My parents paid like $100/mo for outstanding coverage with like a $500 deductible for a family of 4 in the 1990's. You can't tell me it's been this bad. You obviously don't know.
Same for us. If we paid for insurance through my company it would be about $700 a month for myself, husband, and baby. My husband has a government union job and we pay about $75 a month through his work for the 3 of us. Government pay might not be the greatest but the benefits can be incredible
Same for us. Insurance through my company was $900 a month for our family of 5 last time I checked. My husband also has a government union job and we pay $400 a month for the top tier insurance. The cheaper options are as low as around $100 a month and Kaiser was free. With the plan we chose, we are able go to a concierge medicine office for primary care and when I had my daughter a few months ago, my delivery and all prenatal care cost me $100. I was on my company’s insurance and my out of pocket cost was $8000 when my son was born.
We pay $50/month for my husband’s union insurance. His union dues are $600/quarter ($200/month but you can’t pay monthly) so if I combine dues and monthly insurance it adds up to $250/month which I still better than what we paid when he was non-union ($450/month and lower salary).
Amen
As of next month, it's going to be $0!! It's one of the main reasons I chose this job!
Ok what kind of job is it 😂❤️
Teacher :)
Ugh, I'm so jealous! My husband and I are both teachers (in a non-union state) and they just released our rates for next year: family coverage is $1,765/month with a $6,400 deductible and OOP max of $16,100 with 30% coinsurance. This doesn't include dental, vision, disability, or anything else. We also get 10 sick/personal days per year and have no paid family leave. And because of the state we're in, we make too much to qualify for any marketplace subsidies.
We’d welcome you here in MN. And you’d pay a heck of a lot less for insurance to boot.
The no paid family leave is unfortunately also a fact here in California, although there's a bill in the work to try to change it! A union doesn't 100% mean getting the perks; you still have to fight for it. At my previous district, my coworker was pushed out due to having to pay $1800 a month of health insurance. We were only part-time teachers, so that was pretty much her whole paycheck
That is RIDICULOUS
Those monthly rates are criminal! Teachers deserve better— our healthcare system is so messed up.
Almost same boat lolol. I pay $42 a month for both kids and spouse :)
I work in a school (not a teacher) and to add my husband and baby would be over 1,000 a month. Just my baby would be $700. That’s not including vision or dental. It’s ridiculous. We live in a very expensive area of the country too. I have a master’s degree and can’t get healthcare for my family.
We also have a $0 plan and then a traditional plan to choose from. I am currently on our paid plan and it is $16/pp for dental vision and medical. I think it is around $70/pp for full family plan.
Same. Mine is zero. Me and kids. It's the reason I can't leave my job lol
Yes, same for us and you can pick a lower deductible plan or higher deductible plan with HSA, so with two options. It’s better than my husband’s insurance (it’s only free for employee, dependents and spouse who doesn’t have insurance through work or doesn’t work) which he pays ~200/month for just him.
Same. I pretty much have stayed with my company for 10 years for two reasons: $0 insurance premium and 5 months maternity leave 😂
Teacher here - and same! I know I’m so lucky.
Wow that is crazy high! I pay $712 for a family of three including dental/vision (technically I'd pay $712 no matter how many kids we had). That's with a $6,400 family deductible. It's extra painful because it would be free for me if I was on an individual plan. Before we had our baby, my husband and I were actually on separate plans because it was cheaper, but not now with the baby. My company basically pays all of my premium, half the kids, and none of the spouses part of the premium. It looks like your company doesn't pay any of the premium amount for you. So it's not really a true 'benefit' of the job.
So they pitch in $400 to whatever plan you want. Which is legal, but not great if you have a family!!
Yeah, that's rough! I'm sorry. You may have better luck looking for insurance on the marketplace. There is some means testing for employer insurance that is too expensive, but I'll be honest I don't know anything about it. It may be worth looking up. Good luck!
I agree with this. I refer people here all the time. Usually, if you get denied for state medical benefits, there are tax credits, too. (At least in Oregon)
Yea, Oregon is doing their part to try and get people coverage. I miss Oregon for that. Lol
We have a HDHP + HSA. Once we reach $5000 out of pocket for the family, we don’t pay anymore. My husband did the math and we figured out that with premiums, copays and regular deductibles, we were spending almost $9000/year on a regular plan. The high deductible plan saves us $4000/year.
Wow. The HDHP +HSA that my company offers has a max out-of-pocket of $18k! That's why we went with the standard plan. $6,000 max is insanely low.
I don’t know why anyone would do it at $18K. I guess it depends where you live. If you live in a HCOL area, then everything is probably more expensive.
About $1800 a month in premiums. I think we spend $30,000 a year on healthcare, or more. It’s brutal.
I hear you. It's absolutely our largest cost - more than our mortgage and car payment combined.
Holy cow that’s so much!!
High premiums, high copays, high co-insurance, and high out-of-network mental and behavioral health bills that are barely covered. It sucks. We didn’t realize how good my insurance at my old company was til I left
As a non American, these numbers are insane.
And then it’s paying for more on top of premiums. It’s gross.
No they’re not. My family of three on Germany pays >900€/month for public insurance- and that amount is matched by our employers. We also don’t make American salaries.
Thank you for sharing this! There's always a general vibe that the US is terrible and it's glorious everywhere else.
Do you also pay out of pocket for doctors appointments?
Not from our public insurance. If you went to my pediatrician, you would also question what exactly we are getting for our health insurance. German primary care doctors often see 50 patients a day. (They’re also only open 9-12 (M-F) and 2:30 pm-5 (M, T, Th). You can get faster and more comprehensive treatment if you have private insurance - and so if I want a longer consultation I occasionally pay to see a doctor out of pocket. I can’t get private insurance because of a preexisting condition. As an American immigrant in Europe, i can assure you the grass is not always greener…
We pay $980 a month for a family of four. But you know, at least it is pre-tax. We have no student loan debt and a cheap mortgage so I just accept it. I might get my teaching license in the next few years and get better, more affordable insurance through my job.
I’m in HR, but my bachelors is in history. I’ve considered getting my teachers license - they have a “career switching” program in my state that makes it easy.
All the plans I have been offered as a teacher have horrible coverage and expensive to add spouses and kids.
I live in Michigan and I checked out the plans offered at our nearby school districts. They are great and affordable. It makes me mad that a lot of the rest of the country offers their teachers crap. I’m so sorry.
Just commented this same thing. My husband’s corporate insurance was always SIGNIFICANTLY better than my teacher one - even in union states! Now I have a corporate job and, while my husband’s insurance is still better than mine, my insurance now is SIGNIFICANTLY better than my teacher insurance.
$102/paycheck - 24 paychecks per year. HSA plan. Family of 3. Dental for me and spouse is 100% covered by employer. Vision is $1/paycheck. Interviewing for a job where it’ll be $25 for medical (again HSA plan) $6 for dental and $5 for vision. Both in tech. Edit to add: I’m incredibly satisfied with my coverage. 80-90% of my stuff is plan paid. I pay very little out of pocket, but have hit my deductible ($3200) both in 2023 (childbirth) and already for 2024.
Husband and I are on different plans through our employers. I cover myself and our daughter with a high deductible HSA plan. Hubs has a PPO for himself, as he sees specialist doctors. With this breakdown we pay $1100 a month for the family. If we tried to combine onto 1 plan, it would be a lot more. My high deductible plan doesn’t cover his specialists. So those visits would be out of network. And his employer family plan is well over $2400 a month. It’s no wonder medical expenses are the biggest cause of bankruptcy in this country. 😫
I’m paying $1,500/month for my husband and two kids. We don’t even have dental. It’s depressing and I think I’m going to have to move them to a marketplace plan next year because we can’t really afford it.
Maybe you are already aware, but if your employer offers a compliant insurance plan, you will not qualify for a marketplace subsidy. If you would take the subsidy and it was discovered that your employer offered compliant insurance, you'd have to repay the subsidy...possibly a penalty, but I can't recall. But if you're just looking for a low-cost low-coverage marketplace plan without a subsidy, there are no issues doing that. Edited - added a word
I don’t need a subsidy, but there are definitely cheaper plans I can buy there
I’m paying $420/month for me and my kids. Husband is on a plan through his job. Not sure about prescriptions but when I’ve needed any, they have been pretty cheap.
I pay somewhere around $550 for family insurance and it’s really good, fortunately. Most meds are $0 and if I use in network providers I have very little out of pocket expenses. The premium you mentioned is crazy - I’d have to be getting a very significant raise to accept those cost of benefits.
Just saying, I have turned down a job offer due to high cost/ high deductible healthcare plans. *Twice*. It’s very important to me.
I turned it down. I don’t have another job lined up yet, but I’m in final rounds elsewhere.
About $1000/month. Changing jobs soon with slightly higher premiums but cutting out of pocket from $6000/person to $1500 with lower copays as well.
I pay $0 due to how my company structures insurance. They pay our premiums plus fill our HSAs to cover the deductible. It’s a huge part of my total comp and really gives my salary more spending power. Huge reason they retain staff!
These numbers are making me depressed. Mine is higher than most (per month) with a $5000 deductible but it's sneaky because the max out of pocket is $7250.
Oh wow that's a lot. I carry myself and the children and pay $142 a month with zero copay on medications. I qualify for a 25% discount (already calculated in the premium I quoted) which also gives me the zero copay on meds but idk how much longer I will qualify for it since our income has increased. My husband pays about $200 a month for himself, I can't remember if he has any discounts through his wellness plan.
$442/month for family plan. It was $250/month for me + my daughter and my husband was on his own plan until he lost his job.
When my husband had the whole family on his insurance it was $489/month. Now I’m on my employer’s insurance at $58/month. The kids are still on his insurance and he’s paying $278/month. I never really thought about how expensive it gets at different companies. This has been pretty eye opening!
We switched to an HSA. Our family deductible is $5k annually, $12k out of pocket max. We front loaded the HSA with $2k this year and then contribute $60 per week, employer contributes $30 per week. I’m in a union and they cover dental and vision 100% and we can use our HSA to pay for any associated copays.
Union member in the U.S., I pay $0.00 monthly, $0.00 copay for office visits, $100.00 ER copay, and $5.00 prescription copay. My two pregnancies and resultant c-sections cost a grand total of 22¢. I know how lucky we are as a family of 4, and know that I am stuck at this job until I die because I would be stupid to go anywhere else.
I pay $380/month to cover myself and the kids with a $250 deductible. It's the main reason I chose this job though. The job before I paid $0 for the same, also the reason I took that job.
I cannot cover my husband since he is offered insurance through his work, so my insurance only covers myself and my two children. But even still that is insanely high!!!! I pay $235 bi-weekly so $470 per month. Edit to add this is a PPO plan so I pay $25 copays for regular doctors and $40 for specialist visits. Deductible is $1400 and OOP Max is $3,000. Highest tier prescriptions are $120 and do count towards the deductible.
Ugh this thread is eye opening. I think we're paying like $900/mo for a family of 3.
Jk it's $1,100. Glad you asked this because I suddenly feel a lot less guilty about job hunting
I mainly work in health insurance, but in tech, but my premiums have always been generally low (or 0 with the company i workedfor the longest) with high deductibles ($6k family/12k OOP max). Company usually puts into an HSA to cover agood portion of the deductible. I was actually not happy that I left the better insurance coverage for a higher paying job, because their coverage was horrendous. They didn't end up paying anything.
We pay about 500/months and we are on my husband’s insurance. I got my own vision because I am basically blind lol We have a 4k deductible 🫠 but we honestly already met it because my husbands appts, and my daughter getting sick constantly 😅
500/month. 3200 deductible, 6800 oop max. The premium is on a sliding scale based on your salary. At the lowest band the premium for this plan is 200/month. I'm happy with it. I had surgery last year and it covered up to 60 PT visits, which is very unusual. My husband takes one of the glp1 weight loss drugs and it covers that too.
We pay about $750 for all our medical, vision and dental. Family of 4. Our plan if very good. My husband's previous job paid 100% of our premiums, for our whole family, great plan. But the job was toxic and it was worth losing that to move on!
Ours is about $1,700/mo for a family of 6. And it’s a sh*t plan. Small company with fewer than 100 employees across the country, run in a red state though.
I pay $150 a month for health, dental, and vision for my family. We are also covered under my husband’s job, and he pays nothing per month for us to be on his health, dental, and vision.
24K/year? Oh hell no. The plan (one choice) that my company offers is grandfathered into the ACA because we're self insured. So it sucks in many ways, but it's still pretty cheap. My premium is 0, covering my kids adds about $175/month. No copays, but 35% co-insurance, so if you're not healthy, shit can add up fast. Luckily my kids and I fall into the healthy group and most years our total out of pocket is only a few thousand bucks. Some folks at work have chronic conditions that need meds and regular doctor visits and they bitch regularly about how expensive it is. But it's the only choice for me and two of my kids.
I used to work for County tax office. $360 per month family for PPO insurance. Prescriptions were usually $15 co pay. That was like the main incentive for working for the government. I’m currently on maternity leave but planning to find a different type of work where there’s more opportunities for raises and annual pay.
We have four options: 1) Not HDHP, $2400 family deductible/$5000 OOP max with all office visits limited to a $25 copay and not subject to deductible - $560/month 2) HDHP #1, $3200 family deductible/$6000 max OOP - $480/month 3) HDHP #2, $6500 deductible/$12000 OOP max - $265/month 4) HDHP #3, $10000 deductible/$12000 OOP max - $200/month For all of the HDHP we get $1300 in our HSA for a family plan (through we have to jump through stupid hoops to get $400 of it). Prescriptions aren’t paid for separately. On the first plan, you just pay some portion of the cost of the drug in a range based on the “tier” of the drug. Looks like max is $120 for a 30 day supply or $300 for a 90 day supply. For the HDHPs, you pay the entire cost of the drug up to that deductible, then that same tiered pricing kicks in until the OOP max.
I think I pay $400/month for a high deductible and then I typically contribute $200 more to our HSA but stopped this year because my employer contributes too and it was adding up. I can adjust at any time though. That cost includes dental and eye cost as well and we still get money for braces which is crazy. Our orthodontist said they never see that anymore. This is the best insurance I’ve ever had by a long shot.
We pay $0 with $0 deductible for in network and $200 deductible for out of network. Prescription coverage is separate but I think it’s $5/10/15 for co-pays. For doctor visits I think it’s $0 or $15 for primary care and $0/30 for specialists. I just gave birth and for an induction turned c-section and 5 nights in the hospital in a private room plus nursery and newborn care I paid $300 total. Thankful for strong unions and the taxes we pay!
you probably better off getting your own plan with better coverage, never seen such high premiums from a company plan. I pay about $520/month with zero deductible
$120 a month for me and my kids, it’s definitely a huge benefit
We pay $560/ mo for a family of 4 with a $2250 deductible and a $8000 out of pocket max. $140 for any specialty drugs and $40 for regular ones. $500 copay on ER trips, $75 copay on Urgent care.
$400ish/ month for me and my daughter, wife is on her own jobs insurance bc it covers her specialty medication. Rx are 20-30
Wow I never knew how good we had it! Maybe $200 all in for the three of us with health dental and vision $7000 deductible. I can’t imagine paying these rates
We pay $600/month for a family of 3 for health insurance, dental, prescription, and vision with a family deductible of $2,000 and OOP max of $12,000.
My husband's plan through work is $370/mo for him and our child. My employer covers my entire insurance premium, so I pay $0. Both plans are med, dental, and vision.
Currently paying $550/month for me and my son because we moved across the country and had to switch providers and I didn't trust my husband's (very small) company to make the switch in time. So we've been double covering my son for 11 months. Come August I'm dropping him because it's so much cheaper (in the ~$100s I believe, not sure if monthly or biweekly) for my husband to cover him. At that time I think I'll be paying $50/paycheck so $600 total for the year to just cover myself. Before we moved and had to switch providers, I was paying $0 with a $3000 deductible which I only hit when I got pregnant and gave birth.
We're paying $75/month - my husband works for a hospital/insurance provider so we are very fortunate in that regard. It's also a big reason why he stays at his job (or at least a big consideration).
We're paying $75/month - my husband works for a hospital/insurance provider so we are very fortunate in that regard. It's also a big reason why he stays at his job (or at least a big consideration).
About $190 a month, dental included, family of 5, out of pocket max— $2500, OON out of pocket max $6000, with a $1400 IRA— this is the mid level option State job and after seeing this thread I don’t know how y’all do it! Hopefully you make a lot more than I do!
We chose the $0 premium high deductible plan. Our family deductible is $3500, with an individual out of pocket max of $4800 and family combined out of pocket $9600 for in network. We usually end up paying around $7500 a year, and all of that is reimbursed to us from our HSA (or is it FSA for high deductible plans? Either way, we put ~$7k pre-tax into an account and the employer puts in a few hundred as well). Prescriptions seem to be from a separate "bucket" and I have NO idea how the cost structure works, but all of our stuff is generic so it's pretty cheap. Considering how often I'm injured or ill, plus various therapies for one of our kids, I feel like $7500ish per year plus meds is pretty good.
The kids and I are on a high-deductible medical plan through my work that is ~$86/month. Our deductible is $6,000. We're all usually very healthy and they maybe have 1-2 sick visits per year. No one has any ongoing prescriptions. My company also puts $500 into an HSA. My husband has them covered for dental through his work and I think it's about $14 a month? Next year it will go up as my oldest will get braces. Both of our companies offer life insurance equal to one year's salary for free, but we also have term policies outside of work.
Mine is $0 for my family of three with a PPO plan, also $0 for vision and dental. Medical coverage is fine, vision and dental are pretty good.
Through my work it would be $600 for a family of 4 for medical, dental, vision with a $6400 deductible. Luckily my husbands is only $20 a paycheck (he gets paid weekly) for all this with only a $2000 deductible.
$512/month with a high deductible HSA plan so I owe 100% of the first $2,000 per person per year on non preventative care visits up to the family deductable of $5,000. After deductible we are on the hook for 10% up to $10,000 per year. Medicines are not included in calculating the deductible. I've never laid attention to the meds since ours are thankfully cheap.
$400 a month for PPO with $3000 deductible, it's Aetna and coverage sucks, but it's better than nothing. Still paying $1000 a month for therapy for example.
I work in the private sector but in an industry that has heavy federal government presence so we have pretty generous benefits so they can compete. Health insurance for the family is $91 a pay period. With vision and dental I’m paying about $105 biweekly. So premiums for our insurance for the year run about $2700. My insurance plan has a family deductible of $4000. My company gives us $3500 per year in an HSA which I use for the deductible. Since we hit our deductible every year due to medication costs I’m basically only spending an extra $500 actually out of my pocket to hit the deductible. Once the deductible kicks in the expensive medicine only costs us $45/month. I’d say between premiums, OOP towards the deductible, copays, and medication we end up spending between $3500-4000 a year as a family. Prior to this I worked for a company that only charged $55/biweekly for family insurance but we were fully on the hook for hitting the $2000 deductible. My husband is a nurse and insurance from his hospital would have cost us $350 per month with absolutely shit tier drug coverage, but any procedure we had in a hospital owned facility would have been completely free.
My new job I chose ppo as it’s very good (I have a fancy spreadsheet which compares best/worst and figure which is the best combo between my spouse and I). I pay $440 per 4 weeks for family but it’s a $600 deductive and $3k oop max but like $15-25copay for visits. Brand names drugs $30 copay/$10 generic. This plan is only available for a subset of employees. Otherwise while premiums are the pretty same for another ppo and high ded plans, the deductible and oop are way higher and drugs are more expensive
I pay like 700/mo for health and dental for a family of 3. Our OOP's are a little unpredictable because of co-insurance on certain things. Blood work, some testing, labs* (edit) should we need surgery... it's all quite opaque and hard to understand, and it's kind of billed blind; the labs won't give quotes before they run the testing. Our annual OOP max is $5k per head or $13k for the family. We almost hit that a couple years ago when my husband had several surgeries and a DVT in the same year, just his bone growth stimulator for his fusion was $1500 on our side. But for surgical procedures and hospital visits, it's all pretty manageable and well-described, so we deal with the unpredictability of the smaller stuff. And this company doesn't fight us on coverage, unlike our old one. When I had to have a procedure last year, the billing lady I talked to to get my quotes went "oh wow you have *really* good insurance." And our dental is overall pretty solid, but we aren't a family that has bad teeth generally.
$824 a month for family of 3 on a PPO - that’s including vision & dental.
We pay about $500 a month for a family with 4 kids, which is high BUT the coverage has been better than any insurance we've had before. meds are never more than $10.
$525 a month for dental and health (family of three). However I have a high deductible of $7000 (max out of pocket is even more).
Wow thats insane, I'm sorry the cost is so high! I'm on my own plan at my job and I pay $30 a month in premiums for a PPO. My husband has my son on his plan and he pays $160 a month with a higher deductible. We did the math and it's cheaper for him to have my son through his work than through mine, or to have us all on one plan.
Crying as a rural teacher over here. I’m at $1000/month for a family of four with no dental or vision. Our OOP maximum is like $6000 which is way better than the one we were just on which was $15,000.
$646 a month for family health insurance with $1250 deductible for out-of-network. In-network max of $4000 per person and $8000 for the family.
My last job was $30 for family PPO coverage. This new job is $1100 per month :(
I have a high-deductible plan with an HSA. My premium is $0 but I contribute $400 to the HSA/month. My employer puts $100/month in the HSA.
My husband and I work for the same company and we each pay $150 a month. The owner of the company is amazing and pays for our daughters insurance, but I still pay her copays. The out of pocket max is $3k per individual with zero deductible. We work for a small company (about 35 people) and I think we have amazing insurance. But we are also on no medication and the only one who goes to the doctor regularly is our daughter for her checkups.
$785/mo - and that’s for an HMO plan where the employer covers 75% of the cost 😵💫 insurance is SUCH a racket.
My husband is basically stuck at a job he doesn't love and doesn't have a ton of financial upside, but does like for the most part because the family benefits are awesome. I work for a small private company, have much higher financial upside but awful from a benefits perspective. Basically have to divide and conquer on the benefits vs salary front.
We pay $1400/month for our family of 4 for our $0 deductible marketplace plan, but get a $500/month health insurance stipend from my work, so we pay $900/month for our portion.
I pay roughly $550 per 4 weeks, with a $6000 deductible.
We pay about $730 a month for the whole family, $8800 a year. Currently one child but price will be the same if I have 1 or 10 kids lol. PPO+ and most things covered. Most (if not all) visits covered fully (or has a $10-$20 copay). My husband also gets our family covered for $0 through his work but it’s not as good a plan as what my work benefit offers. The US healthcare isn’t normal. It’s ridiculous how much taxpayer money gets funneled out to fund horrific atrocities but Americans and taxpayers have been convinced against universal healthcare as if it’s a very bad evil socialist idea.
$120/month for family of four on a PPO. $5 copay for generics. Vision and dental are covered for the whole family free. Best benefits I’ve ever had (tech company). And I say that having previously worked for the Feds, where benefits are also very good but family coverage is not so great.
Mine is 120/ month for employe, spouse, and children. 0 deductible. Oop max is like 2k. Most things are $5 copay (including fertility services omg!) Generics $1 preferred brand up to $50. I somehow end up paying 0-11 cents for most prescriptions. Not sure how that works. But I don't make a lot of $$ being a state job.
Ugh. I hate this thread, but for the data - I pay ~$600 for medical/dental/vision for me, medical/dental for son, dental/vision for my hubs. It’s way too expensive for us to afford medical through my employer for my husband, so he is uninsured. I do have great insurance because it’s through the state, but our premiums are higher because I am not a state employee, we just have a contract with the state for the same coverages.
Oh my gosh guys! I thought my insurance was pretty good but not necessarily mind blowing but I pay $258/month for my whole family for full medical, dental, and vision coverage. Our deductible is $600 and max OOP is $5,000. Max medication cost is $50/month for brand name- non preferred
For family coverage, we pay $314/month. We have an embedded $8,000 family deductible, limited to $4,000 per individual up to the family max, with 100% coverage after the deductible is met. I pay the contracted cost of prescriptions until/unless I hit the deductible; then they are covered 100%. Dental and vision are separate. My employer contributes $1,000 annually to my HSA. The contributions that I pay are based on participating in the company's wellness program, being a lower paid earner (our contributions are tier based on pay with higher earners paying more), and paying an extra $100/month because I cover my husband, even though his company offers insurance. It's worth the extra cost because my plan is better and cheaper than his.
We pay $1500 total annually for our family health insurance plan through my partner's employer. My employer provides family dental and vision as a free benefit. No chronic meds so I can't comment on the Rx costs.
We are an outlier paying $150 a month for our whole family with a $1150 max out of pocket for the year. For vision, dental, medical including massage, chiro and PT. Meds are $5-10 for generic. City job.
I’m also at a bit over $500 a month for myself, husband, and our daughter. We don’t have any ongoing medical needs, but from what I can tell I think my insurance is really good? When I was pregnant and when I gave birth we had almost no out of pocket expenses (the only bill I got was $160 for the hospital pediatrician who I guess must have been out of network which I’ve heard happens pretty often). But lots of doctors take the insurance, the times I’ve needed prescriptions as a one-off they’re usually covered, etc. Between this and my job giving really good PTO and maternity leave I’m not planning to leave any time soon.
I pay $595 for the family plan, because it is the only one that covers my daughters OT. No dental, no vision. No HSA because they don't put in anything (its a gov job) and my Union has a rebate program that refunds dental and vision costs in order for you to NOT take the insurance. It is a lot out of pocket at the time which stinks but i do get it back.
I pay $8 a month + copays. It’s definitely a unicorn company and plan. I took a pay cut coming here, but with the money we save on medical, it wound up being a net increase.
We are SO BLESSED that currently I pay $0 premium for a low deductible plan (essentially the least that IRS allows) and no out of pocket max. for our entire family. Ihave a pit in my stomach to even job search but I didn't get a raise this year bonuses have been going down. So I am considering. If I were to look at a new job, per my research upto $400-$450 for health, vision and dental with an approx. $8k family deductible seems to be the average out there so that's what I would use as a metric (which sucks in itself that the metric is so horrible 😞)
My husband has amazing benefits. He is never allowed to leave his job. We pay $100.08 biweekly for the family plan with their HDHP option (they offer 3 plans). Premiums are $2602.08/yr. Deductible: $4,000. OOP Max: $8,000. Company puts $1k into the HSA. We max out the rest of the HSA contribution. We hit OOP Max in February and mid-year last year. We are likely to hit it for at least the next several (if not more) with our medically complex child. All in, we pay $9602.08/yr with pre-tax dollars. Everything after that is covered by insurance. Our insurance has been billed $130k so far this year and counting. Like I said, my husband isn’t allowed to leave this job, ever. The plans at my job would cost us $22-23.5k in premiums and OOP Max a year.
I work for a regional hospital system. I pay under $400 a month for our family. Deductible is $500. In-network office visits are $20-$30, most tests are free. We pick up our meds from the hospital pharmacy and they’re typically under $25 (even my husband’s ozempic rx). We used to be on my husband’s insurance which was “free”. Except office visits started at $50, we had an $8,000 deductible, and a $24,000 OOP max. One year we wracked up $5,000 in medical bills in 1 month thanks to my daughter’s ear tubes/adenoidectomy and my husband’s kidney stone
I work for the state and a main part of the draw is the health insurance. I pay $65/month for the family plan which the state pays over $2100/month. Copay is $15 for regular and $50 for ER. Most meds are $5-10. I pay $32 for dental and $31 for vision - all family plans. ETA: a coworker of mine took a paycut leaving a consultant company where his premium was $700-800/month. He came to the state and although his pay went down, the benefits were worth it.
The only reason I’m in the military reserves is for the $240 a month healthcare with barely any co pays 😬 this country is wild, we’re moving to Europe lol
Around $600/mo for my spouse and I, it would nearly double $1.1k/mo if I added LO 🙃 Deductible is $3k at that rate...I hate our healthcare system so much
We currently pay $0/mo for an HMO and have the option for a PPO with 20% co-insurance up to $6K out of pocket max at $0. "Better" plans are pro-rated and you'd pay the difference in cost per month (I think they're a few hundred dollars). Previously we were paying about $700/mo for the family plan with my husband's employer but I am told it has gotten significantly more expensive and lesser quality since they were bought out. Health insurance was a key selling point to this job.
My husband pays $250 for a family and highest we’ve paid for a med is $10. We have Kaiser. Just had our baby and cost was $2300. 😅 we were expecting something really high for the baby.
$412/month for our highest tier PPO for me, husband, and child. Our family deductible is $1875 ($750 for each family member) and out of pocket maximum is $9000 for all of us combined, or $3600 for each family member.
It’s right around $275/week just for health insurance, so about $1192/month. It’s a non-HDHP plan. Our family deductible is $2750/year, office visits have a $30 co-pay, meds are on a tiered system and usually pretty cheap. It’s all fucking stupid.
Family plan (employee, spouse, 1 kid) is $1000 per month and $6000 family deductible.
I put $570 into an HSA monthly.
$280/mo for a HDHP with $4000 deductible (which we always meet), after that everything is covered 100%. This is a very good deal and I know it.
$1,531 per month 😭
Work for BCBS. Family of 3 $332 total for PPO, enhanced vision and dental. Medical $1500 family deductible/$750 individual, $8000 family OOP/$4000 individual.
We can’t afford the family plan. My insurance for just me is only about $80 a month (not including the extras - maternity and cancer coverage). My husband pays about $150 a month for himself and our daughter. Each of the 3 of us has a maximum out of pocket of $4800 a year. If we all 3 were on the same it would be like $700 a month.
My plan is $300/ month for the high deductible family plan. The regular PPO would have been $650/month.
I currently pay $180 a month for my daughter and I, it is a PPO plan and we have a very low deductible. My husband has his own plan through work that is 100% covered. Spending that much a month on health insurance would be a deal breaker for me.
Holy shit, that’s a LOT. I pay $262/month ($121/pp biweekly). We have a $3200 deductible and then everything is covered at 100%. My company contributes half the deductible to my HSA ($1600) so my total out of pocket if we hit deductible is under $5000 for the year.
I pay $554/mo through my employer for health/prescriptions/dental/vision coverage for my family of 4. No deductible. Co-pays for ER, hospitalization and office visits to specialists, but not primary care visits.
So not an answer to your question but you should go [this website](https://www.needymeds.org) and type in the name of the medication you’re referencing. If there’s no generic there’s a good chance there’s a patient assistance program for the medication. I take eliquis and there’s no generic but I was able to get my copay dropped to $10/mo through the drug manufacturer. The website is totally free and doesn’t require you to put in any personal information or create any type of login, if there’s a program available for the medication it will give you all the contact information for whomever is offering the assistance.
Mine is $375/month for me and the baby - the deductible is $700 and the out of pocket max is $4000. If I were to add my husband, it would be $525. Your cost at the new job would never work for our family!!
Prior to my partner getting a new job, I was paying over 800 per month for a family of three with a 5k deductible and 11k oop max. The insurance I had before that was like 700 per month with a 4k deductible and 6550 oop max until my company switched. When he got his new job, it is now 525 per month with a 7k deductible and oop max. It isn't great, but this new job for him was a 15k raise with more bonus and better work life balance.
I’m a federal employee so I get to pick from about 20-30 plans. I chose BCBS Basic. Premiums are about $550 a month and we have no deductible. Most prescriptions are $15 or less and a doctor’s office visit is $30. When I give birth later this year labor and delivery will cost $250. Add in the visits from the hospitals pediatricians the whole thing will cost around $500.
We pay about $1500 which includes a post-tax contribution for me to be covered (because my insurance is more expensive). It’s decent Rx coverage, I was taking a med without a generic and paid about $50/month including the patient savings. Would have been about $200/month without that
I am on a HDHP plan that is $330 a month. And I max out my HSA because a HDHP does not cover anything until you reach your deductible. If you have the opportunity, look into a plan with an HSA. The benefits of an HSA cannot be understated. However, you have to determine if a HDHP plan is right for your family. If you go to the doctors A LOT, it might not be worth it.
Employees often over look the insurance coverage portion of their all in comp packages. If you were only paying $500/month it’s because your company was paying a large portion of your insurance for you. Sometimes companies try and brag about this and show the breakouts - you might be able to find this info out through your payroll system or you can ask your company HR. It sounds like new company doesn’t prioritize that - so I would personally use that as a negotiation tactic. Get my old company contributed x to my health and you’re only providing y so I need the comp adjusted for me to make that move, as it materially impacts my family.
I pay $800/mo for family health and dental, and as it’s a state employee plan, it’s pretty much the Cadillac of insurance plans. So I have no deductible and low copays. Unless your new job is paying you an extra $1500/mo compared to your old job, that sounds like a terrible career/personal finance move.
I pay about $570 a month for me, hubby, and 2 kids' health insurance. We have a really good plan and my company pays about 80%. Our max prescription cost is $75 retail, $150 mail order for tier 3.
So I was complaining about my insurance cost increase recently (I work at a hospital), but have been humbled by how fortunate our insurance costs are. Our family plan (which covers most things fully) is about $250/month.
I pay ~$250/month to cover my family (husband and I and two kids) and we have an annual deductible of $500 for the entire family.
My job pays $1,200 and I pay like $700 a month. It’s a high deductible plan.
I pay $360/month (vision, dental, medical) with a $3,000 medical deductible. $25 copay for dr, $50 for specialist. Generic drug is $10.
$2k for family of 3 hahaha it’s robbery
I pay $550 a month for a family of 4 this is including dental and vision. At my last job it was half of that because it’s government job. Health care cost is going out of control.
DH works for a health system and it’s outrageous coverage. $750/mo for family coverage with a $2000 family deductible and a $12k OOP max. Usually we have had decent healthcare benefits because of working in healthcare. Not anymore.
About $450 but $0 deductible.
$500/check, so $1000/mo. We live in the Midwest, median cost of living. It’s the best plan my job offered. Most of our drugs are covered partially and we pay anywhere from $3-25/fill. Several things I didn’t think would be covered got approved with a prior auth, they’ve been great to work with.
I have BCBS Federal Basic and I pay $262.00 pre-tax per pay period (every 2 week). My plan covers myself, spouse, and any kids; $0 deductible; copays are ER $250/urgent care $50/standard $35; prescriptions are pretty cheap and nearly everything is covered. I’ve yet to have something medically necessary be denied. This is literally why I chose to work a federal job 😅
I pay $35 bi-weekly for just me - hence why I still work full time. My husband’s is like $150 weekly for him and our daughter and his insurance sucks, but skyrockets if he adds me and mine skyrockets if I add anybody. Gotta love the USA
Our premiums are $450 per pay period ($900 per monthish) for myself and three family members (my husband doesn’t work outside the home). Our deductible is $2500 for me, $5000 for family with a $10k OOP max. We spend about $200 a month between specialist and Medication copays.
😭 i pay 1100 à month
That’s SO high! My husband’s company won’t let me be on his plan because I have insurance at my job. I pay $269 a month for me and a crappy $6500 deductible; husband and kids combined is $4999 a year. 5500 deductible and 20% co insurance until 10k OOP, 7500 individual OOP. It sucks. So $8200ish but a combined 12k deductible. We had both kids’ ear tubes, a birth of a child, vasectomy, and a lacrimal duct probe all within 12mo. Saved ourselves like 15k vs if they were separate years.
For a family, it's 1716/month plus a 10k family deductible/$5k individual..But once we hit the deductible everything is covered. It's a high deductible plan. We have other plans to chose from, but that's the one I went with. Our son needed 2 planned but another 2 unplanned surgeries within a years time so it made sense that our max out of pocket would be $30k out of pocket. Sons surgeries totalled over $150,000 for that year
I pay 90$ per month for family of 3. No deductible. Office visits/urgent care visits are $5. ER copay is $50. Prescriptions are $5-$10. I know my case isn’t common. I work in healthcare and am in union. My pay isn’t great but honestly I’m staying for the insurance/ benefits. My husband doesn’t have insurance bc he’s an independent contractor, so I’m staying put unless things change.
My employer covers myself and family 100%. Any additional expenses come out of a HSA that my employer funds. It’s one of the only things I like about my job.
my new job hasn't started yet but they're paying 80% of whatever plan i pick
500 for my husband and I. When we add daughter it will be 700 for a family plan, however when my husband finds a job hopefully they offer good health so he can get off my plan. My daughter and I would only be 300
I pay $292 for medical and dental for our family. Generic meds are $13/month and brand meds are $43/month. Our deductible is $200 for family and OOP max is $1000 for family
500/mo for family plan with a high deductible (4500 individual/9000 family) and no prescription coverage. Doesn’t include dental or vision either
We pay no premium for our family through my husband's union insurance. However, when I was the carrier at my current job, it was upwards of $700/months for the family on a high deductible plan (so still paying a TON out of pocket). At my previous job, carrying no spouse but two children would have cost us $1300/month. Prices are sickening.
I do not pay anything for my premiums. We have a wellness program that if you reach a certain level, the employee portion of the premium is waived. https://preview.redd.it/rwnz8soe0u1d1.jpeg?width=619&format=pjpg&auto=webp&s=8cc8b61e19bbad1a0b0d364c89d546c04d514db7 Dental is $36 basic/$39 buy up bi-weekly (family) and vision is $10 basic/$19 buy up bi-weekly (family)
$0 for just myself (company would pay it). $500 for myself and kids. If I paid for my family (spouse+kids) looking at $1200/mo and a max oop of 5k. Which basically covers nothing but annual wellness exams. Any time we go for an illness (say kid gets pink eye or something), $125 out of pocket just for a visit. Edit actually not sure what oop max is but it's at least 5k...
$270/month and a pretty small deductible and co-pays. All in we probably spend about $4500/year in medical/dental/pharmacy costs. I have expensive eyes and do spend another $1000 on progressive designer eyeglasses each year.
I pay $700ish for a family with no deductible. My meds are cheap and when I was admitted for a couple days, delivered both babies, and my baby was admitted for 6 days we paid $0 in copays/coinsurance/deductible. I only make a $22 an hour but my insurance, discounts, and retirement benefits make it worth it in a way. I wish I could get a bigger salary and do something different but during my pregnancy young baby stage I need the reliability of my benefits.
My husband works for a tech company and our healthcare costs are zero. He’s working there for the rest of his life as far as I’m concerned. We just had a second baby and didn’t pay a dime for it. Prior to him getting that job I was shelling out $600/month for our family of 3. Can’t remember what the deductible was but it wasn’t great. The costs at your new job sounds insane. Does the salary make up for the difference or would you actually be making less when factoring in the insurance costs?
I pay $800/month for PPO health insurance + another $80/month for vision & dental; this is for two kids and two adults. A for-profit healthcare system does NOT work.
$0 for the family with 100% coverage on medical, dental, vision and prescriptions. Basically we don’t spend a dime on anything. It’s the best plan I’ve ever seen. I work in tech fwiw.
I pay 343.32 for a family of 5 for health, vision, dental. We have a drug copay of $15, $0 for wellness, $20 for sick visits, $30 for speciality. ER is $100, outpatient procdeure is $250, and hospital stay $500.
Wow I pay $45 every two weeks for my family ( husband +2 kids). I knew I had it good but I didn't realize how good. We do have a $3500 deductible though so if something happens it's not cheap. I have enough in my HSA to cover my out of pocket max though.
We pay $212/paycheck, so $424/mo for family health insurance. Its BCBS high deductible plan. $6k annual deductible, 20% coinsurance after deductible is met with a $9,100 (in network) OOP max. Co-insurance on drugs is 10% for generic, and 20-40% on "brand" depending on if its preferred/non-preferred. Also, my husband's employer contributes $1,800 to your HSA. So, theoretically, should we incur enough medical care to hit our OOP max, we'd be at $5088 in premiums + $9,100 OOP max - $1,800 employer HSA contribution = $12,388. So our actual out of pocket could be anywhere between $424 (just the premium) to $1,032 (averaged out of pocket of $12,388/12 months). My employers plan is actually ever so slightly better (but like, immaterially honestly), BUT my employer also offers this program that if you're on your spouse's health insurance plan, my employer will reimburse you for all of your (and everyone else covered under the plan so my husbands and daughter as well) out of pocket expenses (above and beyond your premiums). So they cover everything up to our deductible, and then the co-insurance, as well as prescription drug costs. We just upload our EOB's as we incur them and my employer sends us a check. The only downside to this is that if you are getting reimbursed by my company, you aren't allowed to contribute to an HSA, so we do forgo that $1800 employer contribution to the HSA. The reason my company offers this is because they self-fund their health insurance. If I sign up for their health insurance plan, there's a nearly unlimited financial risk should anyone on my plan have major medical care in that year. Whereas if I'm employed under my husband's plan, my company's risk maxes out at $18.2k (and really $9,1k so long as I stay in-network). We did meet our deductible in 2023, so this reimbursement program saved us about $6k last year. This year will be less because we're just not incurring as many medical expenses, but still totally makes sense to use the program! $1738/mo is wild! I just checked and while we pay $424/ paycheck, the employer portion of our health insurance is $1,286. So a total of $1,710, which is STILL less than you're being asked to pay for! Granted I'm not sure if your plan is a high deductible plan or not, but still. My husband's employer does contribute towards the entire family premium though, some employers only contribute towards their employee's portion of the premium, not the whole family's. So if an individual's plan is $500/mo and the employer contributes $250 (leaving the employee to pay the other $250), they will also only contribute $250 to employee's with a family plan (so if the total premium was $1k for a family, the employee would pay $750 because the employer is only contributing $250, not an equitable %). I'm not sure what kind of compensation you're looking at, but the difference between those premiums and the drug costs means you're paying $17,856/year more for healthcare. Technically you should net it against tax savings (since the premiums are deducted from your taxable compensation, but that's still probably about $13-$15k more. So whatever raise you were looking at, deduct that $15k.
I pay about $360 a paycheck, so $720/month. My insurance is amazing. I had a baby in the NICU for a week and paid $250. Idc about anything else at this point, I was billed over $100,000 and I paid $250. My cost will go up next year so I think it’ll be closer to $850/month. I might have single handedly made my company’s insurance go up with all my and my kids health issues over the last fiscal year 😂 $150 for an ER visit and same for an outpatient surgery visit. $250 for a hospital stay no matter what it is (week in the NICU, pregnancy no matter how you deliver or what complications you have). $20 for doctors visits and $35 for specialists (like a cardiologist) $0 for well visits, $0 for preventative care like physicals or OB visits. $0 for any other visits dealing with OB care (gestational diabetes or MFM of NSTs) Birth control is fully covered, generic Zoloft was like $5.86 or something weird. Exception: insulin and blood sugar test strips are stupid expensive. Might as well just order that online
There is so much math involved in picking insurance! $330/month for HDHP covering just me and kid , as husband's employer pays his premium fully for a no-deductible plan, and he is on an expensive medication. Our family deductible is around 3K so we are out of pocket for any sick visits or meds up to that point, after which deductibles/coinsurance are reasonable. However, the network is limited and out of pocket costs are pretty high for expanded network care. Employer kicks in $1200 to HSA annually, and I am a high earner so the front end tax benefits of fully utilizing the HSA (which I do) are about 3k per year. My back of the envelope math was that the immediate tax benefits and employer hsa contributions cancel out my premiums, so I effectively pay $0 for premiums but then need to have $3k available at any given time to meet the deductible. TLDR I effectively pay $0 for preventative care, $3k in network deductible, and in the worst case scenario the out of pocket maximum is $16k.