health insurance

Awesome. My employer based PPO coverage went up an astonishing $210/month. From $317 to $526.

whisky tango foxtrot!

Yep. Mine increased by about 150%. As in.... starting 2014, i'm paying 2.5x what my 2013 coverage cost, and they've cut back on that same plan as well.

I believe i even qualify for subsidies now.

Uh oh... here we go again...

Sorry to here that... single coverage or family? TBH, $526/mo is about what employees here are paying for our HDHP. I pay a fair bit less ($150/mo + $244 into a HSA) being single.

Still no resolution to my mess. Looks like we'll be getting separate policies.

I'm getting back on it this year, and strangely, it's actually CHEAPER than when I had a job...with healthcare.... (wifes' employer)

Someone's gotta pay for welfare, and it isn't welfare recipients. That is all.

Hoping that in 2 years it all gets figured out... As of right now, I'm still on Daddy's plan, cause he still has to pay for my little brother anyways.

Ian F wrote: Uh oh... here we go again... Sorry to here that... single coverage or family? TBH, $526/mo is about what employees here are paying for our HDHP. I pay a fair bit less ($150/mo + $244 into a HSA) being single.

Family. Our HDHP is $413.

When I started here in '11, I paid $250/month for the PPO. I earn a decent wage, but dang, this hurts.

The healthy have to pay more because insurance companies can no longer charge sick people more. Congrats! It's a great time to be under 30, because they can look forward to decades of paying a ton while the baby boomer generation gets older and sicker.

Anybody who didn't see this type of stuff coming was either in denial or lying. And that is all I'm going to say on the topic.

Happily my employer insurance only goes up by tens of dollars each month. I genuinely feel bad that I am OK while others are not.

Am I really old enough to say stuff like this? I remember the olden days what it wasn't a given to have the premiums skyrocket each year.

The HDHP offered is $100 more than our PPO was last year. Ridiculous.!

In reply to Datsun1500:

Dear ole' Dad (also self employed) doesn't have health insurance. On purpose. He has a stack o' cash to use when and if he needs to see a Dr. I am not sure what he will do now.

Anybody here that had their current plan go up check the marketplace for a (cheaper) replacement plan?

I'm curious if there are cheaper options out there that haven't been investigated. Just because your old plan went up doesn't necessarily mean that you don't have a cheaper option.

Cone_Junkie wrote: Anybody here that had their current plan go up check the marketplace for a (cheaper) replacement plan? I'm curious if there are cheaper options out there that haven't been investigated. Just because your old plan went up doesn't necessarily mean that you don't have a cheaper option.

I checked, all were way more expensive for me and the coverage not as good.

Cone_Junkie wrote: Anybody here that had their current plan go up check the marketplace for a (cheaper) replacement plan? I'm curious if there are cheaper options out there that haven't been investigated. Just because your old plan went up doesn't necessarily mean that you don't have a cheaper option.

I have cheaper options even within my own company, but i chose my current plan for a reason and now that there's enough money built up in the HRA to cover ded/oop for both of us no matter what happens for at least the next two years, it seems a bit silly to give up that stability while we're trying to build a house. I'll gladly have to save a little slower due to income after benefits than take the chance of having the entire savings account wiped due to an unforseen hospital stay.

I'm almost positive i could find cheaper on the marketplace, but it won't be the same plan.

Welcome to the club m4ff3w.........next on the club agenda is to set fire to your section of the nation.

In reply to Cone_Junkie:

They were all $Texas more expensive thanks to the fact my new ACA bullE36 M3 plan is still mostly paid for by my employer.......even if my contribution, their contribution, and deductibles doubled.

Are these in states that are participating in the ACA? I know a lot refuse to set up their own marketplace and governers refused the federal support of medicare. Just wondering if it's the states that don't want it that are more expensive.

My plan is through my wife's employer and she is literally checking out the plan changes right now. I know our policy has changed, not sure if going up/down/sideways yet. We're in CA, so we have a lot of support for the ACA by our state gov't.

In reply to Cone_Junkie:

there was a report I just read recently that a lot depends on your states participation level. In general, the states that did their own exchanges, and upped the medicare requirement, etc.. had most people have lower insurance rates. While on the other hand, states that are fighting every step of the way, are seeing huge premium increases.

I am one of the select few, I guess, in a "red state" that has seen my rates go down. but that might be because my company is not actually based here in Pa, but is based in cali (and our insurance is based off what they get in cali).

mine went up about 60% the immediate enrollment term after the ACA was passed.

many companies did this and were denigrated politically in the news for this.

but the cold reality is, if there is ANY industry that has as much if not more lawyers carving apart law than the federal government, it was the insurance industry.

and their lawyers were telling them exactly what the ACA would effect them and the rate they could charge under the law to deal with compliance.

Recently read that mine will most likely go up sometime in the next year. Up to around the >$600 a year. They promised it would be free for life though.

Still can't complain.

yamaha wrote: In reply to Cone_Junkie: They were all $Texas more expensive thanks to the fact my new ACA bullE36 M3 plan is still mostly paid for by my employer.......even if my contribution, their contribution, and deductibles doubled.

wae wrote:

yamaha wrote: In reply to Cone_Junkie: They were all $Texas more expensive thanks to the fact my new ACA bullE36 M3 plan is still mostly paid for by my employer.......even if my contribution, their contribution, and deductibles doubled.

The day is mine!