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Old 10-17-2013, 01:04 PM   #1
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Default How much is your insurance going up?

Just got out of our annual benefits meeting, appears as if I want to keep my current plan (which is already a CDHP with a high-deductible and a separate HSA), it's going up ONLY 20%!

They have created a new CDHP plan that doubles my deductibles and out-of-pocket maximums ($2700/5400 to $5000/$10000), that is roughly 33% of the cost of my current plan, I'll likely take that option since I'm 31 and the wife is 28.
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Old 10-17-2013, 01:09 PM   #2
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im trying to remember if there was ever a fiscal year my insurance DIDN'T go up...
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Old 10-17-2013, 01:30 PM   #3
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im trying to remember if there was ever a fiscal year my insurance DIDN'T go up...
Actually at my current job my insurance didn't go up this year vs last, but at my previous job our raises were so low that every year for 3 I took home less money because the raise wouldn't cover the increase in healthcare...........let along any real measure of inflation.
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Old 10-17-2013, 01:57 PM   #4
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Actually at my current job my insurance didn't go up this year vs last, but at my previous job our raises were so low that every year for 3 I took home less money because the raise wouldn't cover the increase in healthcare...........let along any real measure of inflation.
that happened to me last year, but it was because my raise didn't cover the new payroll tax increase, so i got a new one and got a 33% raise.
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Old 10-17-2013, 01:58 PM   #5
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Yep, just about every year we gotta drop our pants and take it. If you choose not to suckle the government teat and actually work for your money and benefits, you get shafted pretty hard, no lube.
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Old 10-17-2013, 02:25 PM   #6
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I actually just got on a new plan, its significantly cheaper, but my deductible is a little higher.

I wish my car insurance would get cheaper...
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Old 10-17-2013, 02:43 PM   #7
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Quote:
Originally Posted by z31maniac View Post
Just got out of our annual benefits meeting, appears as if I want to keep my current plan (which is already a CDHP with a high-deductible and a separate HSA), it's going up ONLY 20%!

They have created a new CDHP plan that doubles my deductibles and out-of-pocket maximums ($2700/5400 to $5000/$10000), that is roughly 33% of the cost of my current plan, I'll likely take that option since I'm 31 and the wife is 28.
You are lucky it only went up 20%. Mine went up 100% in two years as a direct result to the "affordable" healthcare act.
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Old 10-17-2013, 02:47 PM   #8
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Originally Posted by Full_Tilt_Boogie View Post
I wish my car insurance would get cheaper...
ask your employer/gov't to pay for it.
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Old 10-17-2013, 03:09 PM   #9
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My fiance's insurance was about $200/month for the past year. Starting next month, for the same plan, she'll be paying $500/month!!! I'm so glad the affordable care act made care so much more affordable.

I'm Active Duty military, wedding is scheduled about 14 months from now. Because of the Affordable care act, we're now planning to do a court marriage in about a month. It doesn't make financial sense to pay $500/month for private insurance when health insurance for military dependants is....well, paid for by you all.
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Old 10-17-2013, 03:11 PM   #10
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Thread turns into political debate in 3.....2......
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Old 10-17-2013, 03:16 PM   #11
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I was just helping someone who is a state employee with their benefits. Health insurance through HMO or PPO was $50/month.


The tradeoff is this person makes about what a new elementary school teacher makes, but this person has to work 16 hour shifts and deal with murderers, felons, and the criminally insane.


So, you know... Tradeoffs.
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Old 10-17-2013, 03:18 PM   #12
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I miss having cadillac insurance.
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Old 10-17-2013, 03:29 PM   #13
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Originally Posted by Braineack View Post
I miss having cadillac insurance.
"Cadillac Insurance"

Term made up by elitists to convince the worthless that the valued are thieves.

A more appropriate term would be "Earned Insurance".

One day, we'll tell our grandchildren what it was like to have "freedom".
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Old 10-17-2013, 03:30 PM   #14
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have you ever been a gov't employee and privy to their insurance rates/packages?
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Old 10-17-2013, 03:34 PM   #15
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Originally Posted by 18psi View Post
Thread turns into political debate in 3.....2......
I posted it in this section because I figured it would devolve that way.
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Old 10-17-2013, 03:35 PM   #16
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lol yeah I figured. my biggest gripe about the political discussions is they get so big so fast I get too lazy to keep up with them lol
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Old 10-17-2013, 05:50 PM   #17
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My personal portion of my premiums that i'm responsible for are going up by a touch over 250%.

And my employer contributions to my HRA are being cut in half. Deductible and OOP max are staying constant.

Basically.... i just took a good $4k-$6k pay cut starting January 1st. You know... Affordable Care Act or whatever.
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Old 10-17-2013, 06:46 PM   #18
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The irony is that, if you didn't have employer sponsored insurance available, some of you might be able to get health insurance cheaper through the exchanges.

If those exchanges were operational, that is.
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Old 10-17-2013, 06:51 PM   #19
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Quote:
Originally Posted by Scrappy Jack View Post
The irony is that, if you didn't have employer sponsored insurance available, some of you might be able to get health insurance cheaper through the exchanges.

If those exchanges were operational, that is.
Probably. I do get a $100/month "credit" because my wife doesn't have employer-offered insurance, though.
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Old 10-17-2013, 07:12 PM   #20
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My health insurance is $58 a month.

Annual Deductible $3,250
Annual Out-of-pocket Maximum $5,250
pay for everything up to the deductible then the insurance steps in for 100% of costs. I am a 23 year old male so this fits my current needs. (i.e. keeps me from going bankrupt in the event of a major health problem other than cancer.)

Not sure how this stacks up to others in a comparable situation.
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