My individual ppo with Cigna went from $210 to $259 this year. I needed a couple of minor operations in 2014, so now that my body is healthy I might raise my deductible to bring the premium back to down to $200 or less per month.
Lots of options out there. Cigna is probably the worst individual plan of the name brand carriers in the Houston/Texas market. If you have a child under 18 you can get them the best policy in the country for 220 per month. That would limit total out of pocket expenses for the member to $1500 per year. Prices in Texas have gone up each year since ACA went into effect for every carrier. However, if you have pre-x you are much better off.
If healthcare is a big factor for you, go work for an European owned company, they value employee healthcare more and willing to take on more cost. I'm paying 80 bucks every pay period for family coverage for health, dental and vision. Nowhere can match that.
This actually varies pretty significantly. There are plenty of European companies that don't really understand health insurance in America and are very stingy. I do have an American owned oil company that requires their employees to pay $4 a month for health, dental, vision and life PLUS LTD and STD and that includes all dependents. The only reason they make them pay anything is for tax purposes. Shrinking network, pulled up stakes in Texas in big market segments.
Single, nonsmoker, employed at a mid size company in Florida, $50 a month with dental that covers orthodontia too, $750 deductible, after its 80/20. Office visits are $25, spec is $40
Medical inflation accounts for an almost automatic 7% increase in premiums year over year. The rest of the population in your employer group determines your increase in premium. If the claims experience sucks, rates will increase substantialy. BCBSTX is easily the best in the market.
Same here, working for major oil company, but for family of 4...full medical PPO, dental, optical, prescription... about $140/month. I've never heard of the crazy prices you guys are calling out here, even at the other places me and my wife have worked (healthcare and engineering companies)...it's never been above $220 or so for the family. Just crazy.
I've worked for companies based out of Belgium, France and the UK and never paid for health insurance and had GREAT coverage. I moved to a U.S. based company recently (they have two really big buildings next to the Woodlands mall) and now my only option is $155 a month for an ok medical plan for me only. Of course, they counter that the bonus potential more than makes up for that (and the mediocre salary). No thanks, a-holes. I have an interview tomorrow with another European-based company.
670 (all out of pocket) for a family of 3. Gold plan EPO through the healthcare exchange. Pretty small deductible and doctor visits are all just copays. My employer wanted to get health insurance years ago but only like 2 of 12 (I was one) employees wanted it because the employees would be paying 100 percent.
This stuff isn't true anymore for all companies. 1) Medical inflation's impact on premium varies carrier to carrier 2) Population claims experience only impacts large group (for now) and grandfathered small businesses or self funded plans 3) Blue Cross is great, but it is not always the best. United Healthcare has great options for both individuals and groups. I'd say it's 50/50 whether a UHC self funded option or a BCBS full insured is the best fit for a small business and individual varies SIGNIFICANTLY. Large groups are a total toss up, but BCBS is pretty bad right now with their pricing. Also, children with special needs are each unique in terms of which plan will best fit them.
I have an HSA high deductible plan through work. $41 a month and they contribute $1000 a year to my account.
