That's my plan for 2015. I wish I would have been tuned-in to this thinking last-year! The folks here tried to warn me, but I, in my stupidity, believed what the BlueCross BlueShield rep told me....
I'm sure they make a lot of money on aggregate deductibles vs individual deductibles but for us the simple solution was to simply buy two policies.
I have done a few cost runs over the last year and and every time I tried it, the sum of the premiums for separate policies, including kids, came up to the same price as a single group...to the penny....
The cost for two separate individual policies is the same as the cost for one family policy for two adults. Not sure about the cost when children are included.
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I have done a few cost runs over the last year and and every time I tried it, the sum of the premiums for separate policies, including kids, came up to the same price as a single group...to the penny.
Your spreadsheet has a PHP file type identifier and will not open with Excel. What software is this? Thanks