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Post Reply How Much Are You Paying For Health Insurance ?
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Posted 1/6/17
My Job pays 100% of mine I know they are paying around 1100 a month for mine.
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27 / F / Praries of Canada
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Posted 1/6/17
As a Canadian I get most of my healthcare "free" (well paid through taxes...I'm not sure exactly how much of which tax goes to healthcare). Other stuff like prescriptions, eyeglass lenses, dental work etc gets paid for partially by my work benefits (though part of my paycheque goes towards that).
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Posted 1/6/17 , edited 1/6/17
I pay about $120/month for decent coverage through my job. My employer pays a lot more than that, something like $400+/month. My plan has a $700 deductible as well. I actually work part time at that job just for the insurance, because getting a policy on my own is too expensive and I don't qualify for subsidies.

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26 / M / Leanbox, Gameindu...
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Posted 1/6/17
I'll end up paying about $120 a month once I'm on my employer's plan, if I get married or have kids though that number will go way up. That being said I feel bad for those who are stuck in the crappy healthcare exchange and make too much money to qualify for subsidies but too little to actually afford insurance; those people have it the worst. I'm not sure on what my deductibles will be though (haven't looked at my paperwork in a while) but definitely a few grand and sadly that is way better than what many others I know have.
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Posted 1/7/17 , edited 1/7/17
before obamacare.. i didn't have to pay anything for health insurance through my company

since if for self then it's pretty much free

for self + family then it's around $200/month

and i thought that price was cut throat back then..

now there are people stating that their monthly premium is around $400-$500/month for individual plan..

this is why depending on who you asked.. it's either hate or love when it comes to Obamacare

those who received subsidies -- they will praise it to no end vs those who have to pay a considerable chunk of their monthly income for it and people who have to pay a penalty like me don't have anything good to say about it..

car insurance and registration are required by law if you drive-- but if you don't drive or own a car-- you don't need to have car insurance or pay for registration..

so.. why do i have to pay for medical insurance when i don't even use the service or go to the doctor? -- the penalty is around 1 month worth of premium.. so it's cheaper..

Posted 1/7/17

AnimeAddictANN69 wrote:

so.. why do i have to pay for medical insurance when i don't even use the service or go to the doctor? -- the penalty is around 1 month worth of premium.. so it's cheaper..



The penalty for me would be significantly more than my premium. During the 2015 tax year, I had decided to skip over insurance due to that same mentality ("Why bother when I only go to a doctor once in a blue moon, if at all?"). I took a $4,120 stab out of my refund (leaving me with about $650 instead of around $4,800) due to the penalty. So... $200 a month = $2,400 annually. Last year cost me about $400 a month to not have insurance and this year it's gone up a bit more. Seeing as I pay for my insurance out of my own cheque (post-tax and from my own account), I can list it as a medical expense and get back another $800-1,100.

I don't hate Obamacare/ACA - just think that it would be more sensible to wedge out the private insurance companies from it and have a single-pay system (like NHS in England; except paid for with additional taxes). To be fair, it was Romney who manipulated ACA .. not much of what we have now is "Obamacare" (sic).
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44 / M / WA
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Posted 1/7/17
Zero, as I am healthy so far; don't have ACA and won't pay the fine - since they could only take the refund I made sure there will never be one.
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Posted 1/7/17

dougeprofile wrote:

Zero, as I am healthy so far; don't have ACA and won't pay the fine - since they could only take the refund I made sure there will never be one.


they will include the penalty in your taxes.. so there's no way of "won't pay the fine"

unless you have no income to start with.. but then you would be entitled to medicaid/medical

i think for 2017.. the penalty is 2.5% of annual income? .. of which will be stacked on to your income tax..
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13 / F / California
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Posted 1/7/17
With my new job, I pay nothing for insurance, and my deductibles are low. Then again, I did take a hit in my wages switching jobs, but I juggled bennies/wages/life vs more money.

Company is paying $219 a week for my insurance packages they say.

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27 / M / Chicago,IL
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Posted 1/7/17 , edited 1/7/17
20 a week.
So about 80 a month for full coverage. They offer vision,dental and a basic life insurance included with that. All through my work.

Yeah thank you unions! =]
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34 / M
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Posted 1/7/17
$146 a week for basic family insurance through Anthem
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Posted 1/7/17
$0 I don't need it and if I paid for it I wouldn't have much money left over to repair car or save up.
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Posted 1/7/17
I pay about 120/month for family. My company has really good insurance polices. They paid out 23k or something last year for their side of it.

Dental is....30/month. I also have short and long term disability/injury insurance and life insurance for me and my family.

For all the big stuff, I get that care through the VA (which acts as a supplement and basically covers what my primary insurance doesnt). I dont normally go to them since it can take forever to get seen.

My company has very generous benefits, which is one of their retention methods.
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Posted 1/7/17 , edited 1/7/17
I pay $274 each month through my employer for Medical, Dental and Vision. I'm making out like a bandit since my meds cost roughly 60K per month and I have no copays/coinsurance or deductibles that need to be met for those meds. (U.S.)
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