View Poll Results: How much $ per year does health Insurance Cost you?
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Less than $2K a year
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6 |
11.11% |
Less than $3K a year
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4 |
7.41% |
Less than $4K a year
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6 |
11.11% |
Less than $5K a year
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4 |
7.41% |
Less than $6K a year
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2 |
3.70% |
Less than $7K a year
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4 |
7.41% |
Less than $8K a year
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2 |
3.70% |
Less than $9K a year
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2 |
3.70% |
Less than $10K a year
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2 |
3.70% |
More than $10K a year
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9 |
16.67% |
More than $15K a year
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2 |
3.70% |
More than $20K a year
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0 |
0% |
Not Eligible to Vote
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9 |
16.67% |
We go bare - No Insurance
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2 |
3.70% |
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Poll on Health Insurance Costs for a married Couple with no kids
01-30-2007, 09:51 AM
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#1
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Poll on Health Insurance Costs for a married Couple with no kids
I thought it be interesting to see how Health Care Costs vaired across the forum. I restricted this poll to a married couple with no kids that are completely covering their health insurance costs 100%. No help from previous employers or the government.
Obviously the higher the deductable the cheaper the policy. Just wanted to see the range of costs. I did not vote because we have our Health Insurance through my wife's company.
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Re: Poll on Health Insurance Costs for a married Couple with no kids
01-30-2007, 10:28 AM
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#2
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Moderator Emeritus
Join Date: Dec 2002
Location: Oahu
Posts: 26,860
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Re: Poll on Health Insurance Costs for a married Couple with no kids
Quote:
Originally Posted by Cut-Throat
No help from previous employers or the government.
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Well, that counts me out too.
Are you including a "Can't vote" selection to represent the survivor's bias?
__________________
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Co-author (with my daughter) of “Raising Your Money-Savvy Family For Next Generation Financial Independence.”
Author of the book written on E-R.org: "The Military Guide to Financial Independence and Retirement."
I don't spend much time here— please send a PM.
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Re: Poll on Health Insurance Costs for a married Couple with no kids
01-30-2007, 12:39 PM
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#3
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Thinks s/he gets paid by the post
Join Date: Dec 2003
Posts: 4,459
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Re: Poll on Health Insurance Costs for a married Couple with no kids
I just picked up the latest rate schedule for our insurer (doesn't take effect for a few more months). We have an HSA with $3200 family deductible.
Currently, we pay about $3600/year.
If we were 30 years old, that would be closer to $3000/year.
If we were 50, it would be about $5600/year.
It maxes out at age 60 at $8400/year for a family of three.
Edit: oops, I just noticed you said *no* kids. Subtract $840 from all of those amounts.
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Re: Poll on Health Insurance Costs for a married Couple with no kids
01-30-2007, 03:13 PM
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#4
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Thinks s/he gets paid by the post
Join Date: Mar 2005
Posts: 2,603
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Re: Poll on Health Insurance Costs for a married Couple with no kids
Didn't vote because I have 2 kids.
For a family of 4: deductables, co-pays and premiums came out to 11k for 2006. Anthem BC/BS
__________________
FIRE'd since 2005
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Re: Poll on Health Insurance Costs for a married Couple with no kids
01-30-2007, 03:21 PM
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#5
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Thinks s/he gets paid by the post
Join Date: Jun 2006
Location: Central, Ohio, USA
Posts: 2,635
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Re: Poll on Health Insurance Costs for a married Couple with no kids
All we pay for is Medicare Premiums ($93.50 X 2 per month) or $2,244 a years. We have TFL for all of the other costs.
__________________
Vietnam Veteran, CW4 USA, Retired 1979
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Re: Poll on Health Insurance Costs for a married Couple with no kids
01-30-2007, 04:02 PM
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#6
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2006
Location: Washington, DC
Posts: 11,329
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Re: Poll on Health Insurance Costs for a married Couple with no kids
Well, I (and probably others) voted before I saw your restriction. So my less than $4K (very little less) missed a 70% subsidy from the government. So kick one vote way up the scale to get the total cost.
By the way, on the health insurance front there is a good debate going on at Cato Unbound. I have seen some of the arguments show up here in other threads. I, not surprisingly, find myself swayed by the single payer argument so my link takes you to that portion of the debate.
__________________
Idleness is fatal only to the mediocre -- Albert Camus
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Re: Poll on Health Insurance Costs for a married Couple with no kids
01-30-2007, 05:00 PM
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#7
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Thinks s/he gets paid by the post
Join Date: Oct 2004
Location: LaLa Land
Posts: 4,698
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Re: Poll on Health Insurance Costs for a married Couple with no kids
I'm on DW's plan from her job. She is retired and we pay just shy of $1500 (10%) a year.
__________________
Work is something you do to get enough $ so you don't have to....Me.
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Re: Poll on Health Insurance Costs for a married Couple with no kids
01-30-2007, 05:03 PM
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#8
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Full time employment: Posting here.
Join Date: Feb 2006
Posts: 784
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Re: Poll on Health Insurance Costs for a married Couple with no kids
Where's the option for "a gazillion dollars but I can't actually say how much because I pay through taxes instead of in a free or semi-free market?"
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Re: Poll on Health Insurance Costs for a married Couple with no kids
01-30-2007, 07:12 PM
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#9
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Sep 2005
Posts: 5,381
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Re: Poll on Health Insurance Costs for a married Couple with no kids
I didn't vote because I'm not actually buying health insurance yet, so I don't really know how much it will cost. But the cheapest quote I've seen for a policy that actually covers things like getting sick is $10K (under 40, married couple, no kids). Makes me seriously consider moving.
__________________
Retired early, traveling perpetually.
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Re: Poll on Health Insurance Costs for a married Couple with no kids
01-30-2007, 08:10 PM
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#10
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Thinks s/he gets paid by the post
Join Date: Jul 2004
Posts: 1,321
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Re: Poll on Health Insurance Costs for a married Couple with no kids
Quote:
Originally Posted by donheff
Well, I (and probably others) voted before I saw your restriction. So my less than $4K (very little less) missed a 70% subsidy from the government. So kick one vote way up the scale to get the total cost.
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I'm in the same boat.
Grumpy
__________________
...you can check out any time you like, but you can never leave...
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Re: Poll on Health Insurance Costs for a married Couple with no kids
01-31-2007, 09:16 AM
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#11
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Recycles dryer sheets
Join Date: Dec 2004
Posts: 282
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Re: Poll on Health Insurance Costs for a married Couple with no kids
$193/mo or $2316/year. HSA $5250 deductible, $10k total out of pocket. Great saving vehicle.
__________________
time flies like an arrow, fruit flies like a banana
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Re: Poll on Health Insurance Costs for a married Couple with no kids
02-04-2007, 07:47 PM
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#12
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Recycles dryer sheets
Join Date: Apr 2005
Location: Near Atlantic Ocean
Posts: 184
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Re: Poll on Health Insurance Costs for a married Couple with no kids
We are on Blue Cross/Blue Shield with 4 separate policies
Here's our scoop:
CURRENT fees (they keep going up....)
DH (53) $414 x 4 quarters = 1656 yrly
Me (45) $324 x 4 = 1296
(Also, the DD's - 18 and 21 are $195 each x 4 = $780 yearly
We EACH have a $2500 deductable
This is depressing. I am not going to read or write any more tonight regarding insurance! :P
Jane
__________________
Of all the things I've lost, I miss my mind the most!
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Re: Poll on Health Insurance Costs for a married Couple with no kids
02-07-2007, 03:50 PM
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#13
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Recycles dryer sheets
Join Date: Mar 2006
Posts: 158
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Re: Poll on Health Insurance Costs for a married Couple with no kids
We meet your criteria - Husband and wife, no kids, both age 52, fully funding our own private H. Ins.
We have United (Golden Rule) plan, $10,000 ded., paying $280.20/month for plan, and contributing to HSA to pay out of pocket expenses, which fortunately are very little (annual check ups, dental cleanings, no Rx). It's good for now.....knock on wood!).
__________________
The best things in life aren't THINGS!
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Re: Poll on Health Insurance Costs for a married Couple with no kids
02-12-2007, 12:12 AM
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#14
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Moderator Emeritus
Join Date: Dec 2005
Posts: 10,125
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Re: Poll on Health Insurance Costs for a married Couple with no kids
We also meet the criteria. Both 47 and no kids. I pay 40 a check for a PPO plan with no deductible. My wife pays 30 for an 80/20 plan. We both work for MegaCorps. If I make it to 2008, I can get the plan starting at 55 even if I have left the company. It then converts to a supplemental medicare plan at 65.
__________________
Angels danced on the day that you were born.
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