How much do you pay for this?

**PrincessPerky** · 09-17-2007, 08:26 AM

If we went thru the company to get avg health (deductible of 1,000, co pays a percentage) it would be 1,000 a month for the family...

We don't we have weak insurance through an independent company, 150 a month I think.

**eisor** · 09-17-2007, 09:53 AM

I don't know yet. DH just started a new job and we haven't gotten all the paperwork done yet.

But, $450 isn't unheard of. My dad is self employed and can't find an independent policy for less than $1500 a month for my parents and little sister. Plus, they all exclude the pre-existing conditions. So, my parents don't have health insurance. I looked into getting a policy for myself only and it was going to cost me $175 a month. I'm 21 with no health issues at all. Thankfully, I can finally have insurance again through DH's company.

**Fern** · 09-19-2007, 07:00 AM

As a single person, I pay:
* $20/month premium
* $1,000 annual deductible
* $20 co-pay for PCP, $40 co-pay for 'specialists'
* 20% of all other costs (excluding prescriptions)

**eisor** · 09-19-2007, 08:04 AM

DH was paying ~$120 a month with his old company. That was for dental, vision & health. Health was just ~$85 a month for just him.

**poundwise** · 09-19-2007, 08:27 AM

We pay for our own health insurance. Currently just over $350 a month for the two of us.

$60 a month for your family is fantastic.

**Fred333** · 09-19-2007, 10:00 AM

Yea $60 is very good. I pay around $180.

**MonkeyMama** · 09-19-2007, 10:32 AM

$675/month for 4 - pretty much no deductibles. $50 copays, but beyond that we don't pay much. All the preventive stuff is usually "free" or just a few bucks.

Our plan went to $875 this year so we lowered our benefits. But not sure how long we can swing it. Not if it goes up 40% AGAIN in one year. The next tier down is the high-deductible plans, which don't look very viable to me. The deductibles are FAR more than the money we'd save on premiums, and with a family of 4 we just need one of us to get sick or in an accident or something to be financially ruined on the high-deductible plans. At least this way there are no surprises.

Private insurance. Through my job to insure us all would be more though. In the $1k range, and that was something with much higher deductibles.

A few years back though we were paying just $100/month for the 2 of us (same plan/benefits). It is totally insane.

**humandraydel** · 09-19-2007, 02:03 PM

$20 bucks a month for 1 person. But I just left a job where employees paid nothing for health insurance, even if you had a family of 5.

**Ima saver** · 09-19-2007, 02:20 PM

When mine hit $600 a month we dropped out. We have $5000 deductible, no co pay, no nothing. We had paid out over $90,000 the past 15 years and never collected one dime.
Since I have never been sick in my life (knock on wood), we are taking a chance and having none on me. I did pick up a policy on my husband for $10,000 deductible that will pay 60% over the deductible for $160 a month. Of course, that has more than doubled since I took it out last year.

**SnoopyCool** · 09-19-2007, 04:31 PM

We don't pay anything. As part of DH's raise, the company agreed to pay his premium (it was about $600 a month).

**Scanner** · 09-19-2007, 05:58 PM

$72/month for a family

$10 for PCP's
$20 for specialists
$50 for ER
Prescriptions are 50%, which can be high but luckily we don't need continuous meds.

Dental is about 50% for everything on the basic plan, except cleanings and 1 x-ray are covered.

I feel lucky to have what we do.

I have seen older couples in my practice pay $800/month for 2 people in their 50's.

**eisor** · 09-20-2007, 06:02 AM

DH just got the insurance rates for his new job. Looks like we are going to be at $200 a month for Health, Dental & Vision.

**Diolla** · 09-20-2007, 06:08 AM

Mine includes dental and prescriptions. Including DS on it makes it $188 a month without him (just me) is $22

$20 office visit copay
20% copay to $1500/$3000 deductible
Dental preventative work is free

**Aleta** · 09-20-2007, 08:10 AM

$1,257.00 a month for 2 people. Private insurance.

How much do you pay for this?