Health insurance increased 50 percent

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Originally Posted By: Shannow
Originally Posted By: motor_oil_madman
Who has had their insurance increase? I'm paying 400/month now.


$295/mo here, plus medicare levy.


Really? I thought your system was more like the Canadian one?
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Originally Posted By: dishdude
Originally Posted By: CKN
Originally Posted By: dishdude
Please be clear, are you buying insurance on your own or are you on a group plan through your employer? I've been with my employer since 2007, it's gone up a buck or two a month every year but nothing I would consider unreasonable.



All plans no matter how you get them (individual/employer) have to confirm to certain rules/care under the ACA.

You may remember certain companies suing over the birth control portion of the ACA.


Yes, but it is interesting to learn who is being impacted by changes. I sure haven't noticed a thing, nor has anyone I know personally - but we're all on group plans provided through our employer.


Your employer has had increased costs. There is no way that they haven't. If your employer hasn't passed all/part of those costs on to you-----you are fortunate. If you are covered under a Union contract or the like-there could very well be stipulations about not raising the health insurance costs for a certain period of time.
 
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Originally Posted By: CKN
Originally Posted By: dishdude
Originally Posted By: CKN
Originally Posted By: dishdude
Please be clear, are you buying insurance on your own or are you on a group plan through your employer? I've been with my employer since 2007, it's gone up a buck or two a month every year but nothing I would consider unreasonable.



All plans no matter how you get them (individual/employer) have to confirm to certain rules/care under the ACA.

You may remember certain companies suing over the birth control portion of the ACA.


Yes, but it is interesting to learn who is being impacted by changes. I sure haven't noticed a thing, nor has anyone I know personally - but we're all on group plans provided through our employer.


Your employer has had increased costs. There is no way that they haven't. If your employer hasn't passed all/part of those costs on to you-----you are fortunate. If you are covered under a Union contract or the like-there could very well be stipulations about not raising the health insurance costs for a certain period of time.


It has also been pretty consistent - single digit percentage increases. I'll find out during open enrollment in a week, when we enroll they show their contribution. Not under a union contract.
 
Originally Posted By: dishdude
Of course healthcare prices are going to keep going up, we're an older population that doesn't take care of ourselves. The only way the system can sustain itself is if healthy people pay in. I'm fine paying in and getting nothing!

It's like car insurance, you can't wait until you hit a tree to buy car insurance.



While going up is fine (everyone does), it just can't keep going up at this rate! A little bit, fine-costs do change. But when we start talking about 25-50%, now we are getting silly.


While I agree with you about paying in, I don't wanted to be sucked dry either.
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BCBS Basic family, employer provided coverage. $376 is my premium with my employer (federal gov't) paying the other 2/3rds or so. $30 copays for most doctor visits.

Last year my premium was $348 with the government paying $998. Total cost for the coverage was $1347 per month.
 
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The answer is obvious if you problems with health insurance costs.

Either make more money or work for quality employer who equalizes the cost to what is reasonable. My current employer tried raising the cost of insurance on me so I asked for yearly increase in pay to match health care costs beyond typical increases. They agreed...
 
If they made it cheap for young healthy people who don't need health insurance they would have more money in the pool, but they still stick it to the young generation and they give them the boot, so the only money they get is from people who need the insurance.
 
wow I can't believe some of the monthly premiums in here, they are more than I pay in provincial and federal taxes every month. I couldn't stomach $1000 a month insurance premium for my wife and I.
 
$813 a month for the past 3 years. but its not taxed.
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Originally Posted By: seanf
wow I can't believe some of the monthly premiums in here, they are more than I pay in provincial and federal taxes every month. I couldn't stomach $1000 a month insurance premium for my wife and I.


You people that get free healthcare pay crazy taxes...
 
Open enrollment soon, so I expect a small bump. Wife was mad when Obamacare hit, and our costs doubled; but... I expect it to go up every year. Just the way it is.

Employer pays the bulk of my medical, but I'm still out nearly $200/month for family coverage, and on a high deductible plan too (like $5k cap). I put in over $400/month into an HSA on top of that. On the good side I got my HSA funded to past what I could spend in a year (above my max cap), so as long as I keep putting in the max (and not spending it!), I should not have to worry (much) about out of pocket expenses. With any luck I should be able to carry that HSA money into retirement also--as long as I can save money there, it seems wise to do so, as I can't put money in once retired (but can spend that tax-free money on medical stuff in retirement).
 
$382/mo for my family of 6. $1400 individual deductible or $2800 for the family for in-network. This is my company sponsored BCBS plan. They also kick in money into our "healthcare savings account" that you can use for medical expenditures or invest. My cost goes up every year.
 
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Originally Posted By: Mr Nice
Originally Posted By: seanf
wow I can't believe some of the monthly premiums in here, they are more than I pay in provincial and federal taxes every month. I couldn't stomach $1000 a month insurance premium for my wife and I.


You people that get free healthcare pay crazy taxes...


Not trying to start an argument but the more taxes I pay are still less than the premiums. We are right around the average Cdn income and pay about %23 income tax including the mandatory federal pension plan and employment insurance. The healthcare isn't completely free, still have to pay prescriptions/dental/vision which most people have a work plan that covers that and costs $40ish a month. The fact that my wife is sick, with all the specialists and testing I'm very glad I live in Canada.
 
Originally Posted By: Mr Nice
Originally Posted By: seanf
wow I can't believe some of the monthly premiums in here, they are more than I pay in provincial and federal taxes every month. I couldn't stomach $1000 a month insurance premium for my wife and I.


You people that get free healthcare pay crazy taxes...


How much of your paycheque (percentage-wise) goes to income tax? Our sales tax (HST) pays for roads, infrastructure....etc. Same stuff the goods tax is supposed to do in the states. It used to be two separate taxes (one federal, one provincial) but they were combined a number of years back. Total rate is 13% in Ontario.

We are a family of five. Based on some of what you folks are paying here for insurance and what the deductibles you pay are, I'm quite glad I don't have to deal with that out of pocket every month, even if I do end up paying a bit more income tax.
 
Wife got nuked a couple years ago...deductible doubled, premium quadrupled, and lost her GP, ob-gyn, and orthopedist. She's on my insurance now, will go up <10% a year.
 
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