What are your Health Care Costs?

[CountryGal]

In comparing notes with friends on Facebook I was amazed at the range in what folks are paying. So thought we could compare here. I searched and did not see another thread just focused on numbers:

What is your Monthly Premium (1,2 or more coverage)?

Yearly Deductible per person/family?

Out of Pocket Maximum?

How do these numbers compare to what you paid last year?

 

[CountryGal]

Mine for 2017.
What is your Monthly Premium (1,2 or more coverage)? 390 (2)

Yearly Deductible per person/family? 1000/2000

Out of Pocket Maximum? 2500/5000

How do these numbers compare to what you paid last year? 50% less for premium - everything else the same.

 

[emerytura]

Monthly premium per person: 400, 800 for two
Yearly deductible per person/family: 1000/2000
Out of pocket max: 2500/5000
Premium the same as last year. This is company subsidized retirement medical benefits in NJ.

 

[stepford]

Now on a traditional PPO plan:
Monthly premium per person: $70 (Megacorp subsidized retiree medical)
Yearly deductible per person: $400
Out of pocket max: $2200 (in network)

Just switched from a high deductible plan for which the numbers were:
Monthly premium per person: $60
Yearly deductible per person: $1400
Out of pocket max: $2850

The High Deductible plan made more sense when my tax bracket was high enough to benefit from an HSA. Now in ER my AGI is low enough that the traditional plan is a better fit.

 

[RetireAge50]

Family Coverage Employer Paid

Premium $0
Deductible Unknown
Max OOP Unknown

No out of pocket costs in lifetime.

 

[SteveNU]

Subsidized retiree plan

$780 month
$2600 per person deductible
$5000 max out of pocket

For 2017 the company is eliminating retiree health insurance but will fund an HRA with $6500 per person and we will purchase our own insurance.

Our new plan will be $1238 month
$5600 deductible per person
$6500 max out of pocket per person

 

[Just_Steve]

Family Coverage Employer Paid

Premium $0
Deductible Unknown
Max OOP Unknown

No out of pocket costs in lifetime.

^Same as above^

$20 copay for Dr, Labs and Xrays.
$40 copay for MRI's and Cat Scans
$70 copay for emergency room visit's

Had radiation treatment for the Big C, whole cost from diagnoses to treatment was around $300,000 and had to pay $0 out of pocket.

When w@rking paid almost $4,000 a year premium.

 

[nun]

Ex-employer retiree plan for one person

Monthly premium $120....includes dental

$300 deductible
$4000 out of pocket max.

 

[frank]

I am on medicare.

wife
780. premium
1600 deductible and out of pocket maximum.
no dental or vision.

 

[ziggy29]

For 2017:

Premium: $59/mo (self + 1 coverage, 95% employer-paid) - up from $50 in 2016
Deductible: $2000 person / $4000 family - up from $1800/$3600 in 2016
OOP max: $5000 person / $10000 family -- up from $4200/$6900 in 2016

The plan comes with a $2,400 HRA to use toward meeting these maximums, which can be rolled over to future years up to a maximum of $10,000.

Not a bad benefit for subjecting myself to about 20 hours of w*rk per week.

 

[Senator]

My healthcare is 100% free, I already paid for it while I was in the USAF. I wrote a blank check made payable to "The United States of America" for an amount of "up to and including my life".

As a disabled vet, there is no premium, nor deductible. From what I understand, it also includes LTC, although there may be a wait to get into a facility. It is also supposed to cover emergency care at any emergency care hospital.

Once I get to medicare age, I will have medicare as an additional option.

My DGF's healthcare is also 100% free. No premium, mostly no deductible. She is 45 years old and considered low income. Free healthcare, dental, vision ($25 copay for glasses), pharmacy ($3 copay). She even gets a free $15 gift card when she schedules her annual checkups.

If we were married, rather than living together for 26+ years, she would be on a traditional healthcare plan costing thousands per year.

Healthcare has been much cheaper for both of us since we quit work. America is a great country.

 

[LRDave]

HDHP for 1: $60 (same as last year)


2500 indv. deductible (family $5k)


5000 OOP max ($10k family)


I am funding the HSA at the $4400 max. This is the 3rd year with an HSA and I am not touching it unless I encounter the most dire circumstances - in the Well/Well twins with Vanguard - another form of retirement savings.

 

[plex]

Multi-state PPO, includes dental, employer subsidized

Premium: $73/month
Deductible: $1500/year
OOP Max: $4000/year

 

[ShokWaveRider]

These numbers can vary a lot depending on age, whether ACA subsidized or not.

Ours are: $341 PM (63, 57 resp, ACA Subsidized)
Deductible $0
Max OOP $2250/$4500
CoPays are not significant.

Even Employer sponsored plans cost the individual (Usually) Mine was $57 PM + CoPays and Max OOP. When I was W*rking.

 

[donheff]

Interesting to see how good some of these corporate plans are. My Federal plan (GEHA Standard PPO) is pretty decent with a good network but not the Cadillac plan that everyone seems to think Congressional members and regular Feds get. There are plans with higher benefits but the cost is way more.

Premium $250/mth for two
Deductible $750 for two
Catastrophic limit for two $7500 (in net) $9500 (out of net)

 

[Fermion]

Just an ACA silver plan for us, $284 a month for both, with a $504 subsidy. $500/$1000 max out of pocket. Mid-getting toward late-40s.

We didn't write a blank check to the government while we were working, but we did send them about $60,000 a year in federal tax for quite a few years. Might count for something, might not.

 

[Danmar]

Canadian. Actual about $12,000 for 2016. Prior years have run a little higher. Subsidized retiree plan. Rest mostly relates to dental and our yearly comprehensive physicals. This, of course, does not include our generally higher income taxes to fund Canada's health care system.

 

[ShokWaveRider]

Canadian. Actual about $12,000 for 2016. Prior years have run a little higher. Subsidized retiree plan. Rest mostly relates to dental and our yearly comprehensive physicals. This, of course, does not include our generally higher income taxes to fund Canada's health care system.

How come you pay so much? Alberta Health Care is from $200 - $1000 Per Year depending on income.

Do you use specialized services?

 

[John Galt III]

Age 62. Retired. On ACA. Last year $36 per month premium for $500 deductible and $2350 max oop HMO. This year $0 (zero) per month, deductible $300 max oop $2350 different HMO.

 

[MichaelB]

Our combined premiums this year are $1227 and the deductible is $12500, $6250 each. Our premiums next year will be $1575, but the deductible will be only $6500 for me, DW's deductible falls to $166.

 

[pacergal]

Retiree subsidized self and spouse
Premium $200, including dental
Deductible: 300/900
OOP: 1400/5700
Medical: preventative no charge, other 85% covered after deduct.
Dental; routine cleanings no charge, $1500 max claims paid per year
RXs based on tiered pricing; have been anywhere from $1.21 to $50 for 30 days.

 

[Lakedog]

Federal HDHP plan (with GEHA)

2017 Premium $122.85/month for one (increased 5% from last year)
Deductible $1500 for one
Catastrophic limit for one $5000

I get just over half of the premium back for my HSA ($62.50/month). Along with my part of the HSA contribution, I save enough annually in fed taxes to actually have a small net gain on health care (before any out of pocket costs). I have been fortunate not to have any out of pocket costs for the last few years so switching from the GEHA standard plan to the HDHP a few years ago has worked out very well so far.

 

[exnavynuke]

Employer subsidized HDHP premium costs next year go up to $338 for the year ($6.50/week). That gets me a $2,600 deductible/OOP max.

VA medical is free for me and bills my insurance, who take that as money I pay towards my deductible/OOP max. Because of that, I get blood work done in January and refill my prescriptions as those "bills" combined (that I don't have to pay) cover my OOP max for the year so I can effectively use either my work plan or VA medical for free for the rest of the year.

 

[Taxman59]

Monthly premium per person: 136, 408 for three; 2017 - 50, 150 for three
Yearly deductible per person/family: 700/1400; 2017 - $1,000/2000
Out of pocket max: 1400/2800; 2017 - 2000/4300
2015 was COBRA at 1900/mo, 2016 & 17 are ACA with lower deductibles.

 

[Mr._Graybeard]

For an ACA plan (HMO, HSA eligible) for two with $6,000 deductible/$12,000 max OOP with no copay, $228/month. We also had about $2500 in medical costs this year. Of course, the rack rate probably would have been about twice that, so the insurance worked for us even when we had to foot the bills.