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How much do you pay for health insurance?

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  • How much do you pay for health insurance?

    For a family of 5, I am paying a monthly premium of $1850 with a $4000 deductible (that's about $26k if I hit my deductible). That is through the plan at my small private practice.  Healthcare.gov was significantly more expensive. Is this similar to what others are paying in private practice?

  • #2
    About exactly what I’m paying for my family of 5. My next goal is to research some other options but it’s obviously ridiculous right now

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    • #3
      Family of 5, around 1300 per month for 6k deductible and 12k max out of pocket.

      Others in practice considering going to Christian ministry health plan, but i haven't looked into it.

       

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      • #4
        I've paid about 800 on Kaiser for a family of three, and about 1k via the other marketplace options. Now getting better pricing through wifes work at a local hospital system.

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        • #5
          I am paying $660/mo with $500 deductible at age 60 for myself.  This is through state med ******************.  This is much cheaper than the exchange or even small business plan.  You have to have at least one employee to get this rate.  I otherwise would not be in the state med association.  I am partially paying for one employee.

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          • #6
            $860/mo for self only via my HSA-qualified plan through Anthem, $5k deductible. We don't have a group plan because so many are already on spouses' plans so we pay a monthly medical stipend to employees. I envy you your plan, @Hatton1.
            Working to protect good doctors from bad advisors. Fox & Co CPAs, Fox & Co Wealth Mgmt. 270-247-6087

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            • #7
              Young family of 3. IC on exchange. HSA qualified. $13k deductible. 2017 $700/month. 2018 $1000/month with stricter network.

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              • #8
                My wife's residency program has a great plan for GME folks. We pay $975 a year to cover her and two kids with a $200 deductible and a 10% copay. I'm lucky enough to live near a very good VA hospital, and with my service connected rating I qualify to get all of my care through them, which saves us about another $650 a year just in premiums.

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                • #9
                  Family of 3, $1400/mo, deductible $10k

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                  • #10
                    Me and my spouse $260 month. Deductible 5K.

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                    • #11




                      $860/mo for self only via my HSA-qualified plan through Anthem, $5k deductible. We don’t have a group plan because so many are already on spouses’ plans so we pay a monthly medical stipend to employees. I envy you your plan, @hatton1.
                      Click to expand...


                      My office manager really cannot afford a high deductible plan so she searched all the options.  When you have employees you have to accommodate their needs.  I would love a high deductible HSA type plan but I have to consider her needs.

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                      • #12
                        UC California PPO plan fam 4 - $800/mo $500deductible;   HMO plan is a bit lower $550/mo

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                        • #13
                          $360 per month for family HSA.  It is one of the reasons I switched back to salaried position from per diem.  It is like getting a $20,000 raise.  This is going to be a huge factor in early retirement.

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                          • #14
                            I pay $205 a month for a family of four with a $10k “deductible” through Medishare. The marketplace option was $1400 a month for an $8k deductible. When I did a direct comparison (equal deductibles) I saw that Medishare would save slightly over $1k a month in premiums. The plan covers less (no abortions, birth control, counseling, etc) but by saving over $12k a year in premiums I was willing to cover any extras on my own. The plan is not HSA qualified which was a disappointment. No annual or lifetime maximum and great customer reviews were positives. I wish I’d switched sooner.

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                            • #15
                              $145 a month for my wife and myself, through her employer. Carrier is United Healthcare. Deductible of $1500.

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