How much do you pay for health insurance?

[RadMoneyMD]

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?

[SValleyMD]

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

[HandFellow]

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.

 

[Zaphod]

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.

[Hatton]

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.

[jfoxcpacfp]

$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.

[docnews]

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

[iglord]

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.

[Caligas]

Family of 3, $1400/mo, deductible $10k

[justlearning]

Me and my spouse $260 month. Deductible 5K.

[Hatton]

jfoxcpacfp wrote:

$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.

[StarTrekDoc]

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

[BurnedoutDoc]

$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.

[Birdog]

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.

[Wiscoblue]

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