How much do you pay for health care?

Just as it says. How much do you pay for health care. Regardless if it is through your job or if you pay for it directly to the health care company??

 

Family of 5, insurance premiums through employer roughly 8G.
plus whatever healthcare you actually "consume" over the course of the year.

 

Per year?

 

Yep. Can't remember exactly but $700+ a month from my paycheck.
Plus whatever my employer is contributing which I don't have a figure for.

 

I have an HSA plan through work and it is $62.56 a month. The company will put $675/year into my savings account that goes with me if I don't use it. I could go through eHealthinsurance.com and get an HSA plan for $63.50/month, but it might not be quite as good. Luckily with the new healthcare law, there is a list of things all health insurance plans have to cover now.

And I also save $600/year in a second HSA account of my own money separate from work. It is my "don't need a job" plan. I don't know how much it would cost me to get it in the federal health insurance exchange in October, but I'm sure Fox News will tell me.

There is also a penalty for smokers now @ +$30/month through my work plan. And if you don't take a health assessment and get preventive care, they add on +$20/month.

 

ASU2003 what is HSA??




Side note. How will the obamacare effect the price we pay now for healthcare? And why?

 

HSA's are health savings accounts, primarily a tax benefit for persons with high deductible plans.

How the Affordable Care Act (Obamacare) will impact the cost of health care is the big question.

In the short term, if you currently in a group (large employer) plan, it will not likely lower your premiums. It will save you on out-of-pocket costs (no cost for preventive care) and it will eliminate annual/lifetime limits so that you wont ever face huge out-of-pocket costs or bankruptcy as a result of a major or catastrophic medical event.

If you currently dont have health insurance, it will provide a range of individual plans through Insurance Exchanges that should be less costly than currently available to individuals w/o insurance. The cost will vary depending on type of coverage and will include subsidies to individuals/families up to 400% of the poverty level ($85-90K).

 

I pay $7 for dental. My employer picks up 100% of my healthcare which is somewhere around $160.

 

This may make me sound stupid but I do t really understand what obamacare is. I have herd that my employer my do away with our healtc care at the end if the fiscal year (June or July) and tell us to go on obamacare.

 

wtf!

im pretty sure i pay around $150 a month for a family of 4 for private health insurance here in Australia which includes medical, hospital, dental, physio, podiatry and a whole range of allied health services
why's it so damn expensive in the US?

personally, if health insurance and taxes were so prohibitive, i wouldnt live there, period.

 

You got a month or two?
Books and journal articles abound on this topic.
We pay a fortune for pretty mediocre healthcare.
If you set out to design a healthcare system from scratch you would never come up with something that looks like the US system.
But since we already have it, and entrenched interests can throw huge bribes (sorry I mean "campaign contributions") at politicians we muddle along. Obamacare isn't going to make it any better is my guess.

 

I have no health insurance, but what I am signing up for this week has a $1700 deductible (then becomes 100%). It's going to cost me around $170-$200 per month. Thank god my business isn't more than one employee (on the books) because I couldn't afford to provide insurance to anyone. I checked on insurance from the company instead of private insurance, it would almost be double the price for the same insurance.

I'd kill to be able to get real insurance at a decent price.

 

My employer pays for my coverage. The cost to have my wife included is a little less that $500/month. It's decent coverage, nothing extravagant. No dental. My employer is small, less than 30 employees.

 

Since I cut back my hours at my job that was providing insurance but crappy pay, my husband and I currently do not have insurance, and found it cost prohibitive to obtain our own due to our current health status. I cut back the hours at this place because even though it provided health insurance, the work environment was such that it was causing damage to my health and well being.

When I was employed with health benefits, I was paying $450 premium for 2 people no kids, for the most basic HMO plan that was offered. We still had $30-45 copay, deductible of $1500, and we paid 10% after the deductible was met, insurance paid 90%. The kicker for me is that I am deaf and rely on high strength hearing aids. I now wear two, and they are $4,500-5k a pop, with a life expectancy of 4 to 5 years. Every insurance plan I have run across considers hearing aids to be "cosmetic devices" and thus do not provide any insurance coverage or payment assistance towards the purchase.

 

You arent the only one who has questions about ACA. It will become much clearer in the coming months when the types of plans (costs) are made public so that consumers w/o insurance (and small businesses as well) can begin shopping around by October for plans that would be effective on Jan 1, 2014.

This is a good resource - Prepare for the Health Insurance Marketplace

 

I'm an under-26 independent, so I'm scraping the bottom of the barrel of coverage so I can stay at $100.63 a month. Woohoo?

 

It almost seems to me that the Obama care is forcing people to have health care and is going to drive the small business owner out of business if they are forced to provide healthcare for their employees I personally don't see how that is right. Won't that make the big insurance company jack up their prices so that way not everybody has to have those insurance carriers. If that makes any sense

 

I dont want to make this about the ACA......that is more of a political discussion.

But a few thoughts.

The insurance mandate or forcing everyone to have health insurance is actually a Republican idea of taking personal responsibility (and lessening the number of people who go to the emergency room for routine care and pass the cost on to the rest of us). The other important fact to consider is that in order to force insurance companies to stop excluding people with per-existing conditions or imposing annual or lifetime $ payments, the tradeoff is to give the insurance companies more customers (and younger healthier customers that are presently unsinured)

There are two sides to the small business as well, with subsidies and tax benefits to small business owners.

Our present employer based health care system is not the long term solution. The quality is as good as anywhere (and better than most), but having the insurance companies as a middleman between patient and provider only adds costs, redundancies (more costs) and inefficiencies (more costs)

A better system is a single payer system, but charges of "socialized medicine" make it politically incorrect.