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View Poll Results: how much more/less does your health insurance cost you than in 2006?
Woohoo--it's cheaper! 7 13.46%
About the same 10 19.23%
Went up <=10% 22 42.31%
Went up <=20% 6 11.54%
Went up <=30% 2 3.85%
Went up <=40% 5 9.62%
Voters: 52. You may not vote on this poll

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Re: health insurance 2007
Old 11-02-2006, 07:00 AM   #21
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Posts: 18
Re: health insurance 2007

Mine is scheduledto increase 5.3% for my family coverage (3 dependants, 2 are teenagers) if I keep the same BCBS plan ($2500 per person deductible).

I'm strongly considering changing to a high deductible BCBS policy (either $4k or $5k for the entire family - then 100% coverage without co-pay) and utilizing a Health Savings Acct. Any HSA experiences to share or comments on this plan?

Note - everyone is healthy, though one family member has a $200/mo prescription that would apply to the deductible.


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Re: health insurance 2007
Old 11-02-2006, 07:14 AM   #22
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Posts: 1,375
Re: health insurance 2007

I'm curious about the other "Went up <= 40%" folks--what's the deal?

We decided to stick with our current insurance (best coverage offered, lowest deductible) due to some health issues of mine that are apt to make me pay the entire deductible for the other options next year--which would be more expensive than paying the higher premium. Premium (for employee & spouse) went from $335 to $470/month. Lest anyone think that every state's public employees are getting a free ride at taxpayer expense, COBRA for this coverage is twice the premium, so that tells me we're paying 50% of the cost. Hmmm, does that puts us in the Wal-Mart category?!

We tried to add supplemental long-term disability for DH, but apparently you can only do that in alternate years, and this ain't the year. It's surprisingly cheap. We're adding LTC for him this time (not cheap), but he will have to pass a physical first.

You can't always get what you want, but if you try sometimes, you might find you get what you need.
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Re: health insurance 2007
Old 11-02-2006, 08:15 AM   #23
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Posts: 144
Re: health insurance 2007

Our insurance actually went down by 15% this year. DH's company covers his insurance, but we pay the unsubsidized entire cost for me and the kids which was about $800/month before the reduction.

The reason for the reduction is a change in insurance providers. However, the downside is that some benefits have changed. Emergency room coverage requires not just the $125 copay, but the $2500 deductible also, before the insurance kicks in.

I was planning on an increase of 10% this year, so we are very happy for the reprieve.

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Re: health insurance 2007
Old 11-02-2006, 08:17 AM   #24
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Re: health insurance 2007

We pay $50 per month for $2000 deductible family Megacorp retirement medical. Wife and 23 year old son are healthy. I am healthy also but my primary coverage is with my current employer. It is 0 deductible and no premium. The three of us haven't spent 1 cent on medical expenses for the last 10 years.
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Re: health insurance 2007
Old 11-02-2006, 12:10 PM   #25
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Posts: 7,718
Re: health insurance 2007

Just got our company renewal quote for 2007 and it did not go up. First time in 10 years BCBS did not raise it 8% or more. Sweet thing is, our agent also has a quote from United Health Care, with a few more perks, and it is about 5% less than BCBS. Nice to have choices.
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Re: health insurance 2007
Old 11-02-2006, 12:37 PM   #26
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Re: health insurance 2007

$100.23 / month for 2006.

$105.48 / month for 2007.
"Knowin' no one nowhere's gonna miss us when we're gone..."
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Re: health insurance 2007
Old 11-02-2006, 05:56 PM   #27
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Re: health insurance 2007

We have a HSA high deductible and ours went from $16.80 to $30.00 bimonthly thru my wife's work. The other types only went up ~ 6%. Has anyone else with an HSA seen these increases and why?

Thanks kbst

note: this was after her employees contribution.

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