| Author |
|
Lars(wi) 
Orange Level Access
Joined: 14 Sep 2009
Location: Permian Basin
Points: 6622
|
 Post Options
 Thanks(0)
 Quote  Reply
 Topic: Question for those.......
Posted: 08 Jul 2018 at 4:08pm |
|
I have question for those that pay for their own health insurance for your family. What roughly would be the cost for husband and wife, mid-50's non smokers, no cancer history in family, slight blood pressure elevation, but nothing else major.
Reason for asking is I have an oppertunity to change employers, but, this employer is a very small company that does not have enough employee's to have health insurance mandate ( you need 50 or more employees).
|
|
I tried to follow the science, but it was not there. I then followed the money, and that’s where I found the science.
|
 |
|
Sponsored Links
|
|
|
JoeM(GA)
Orange Level
Joined: 12 Sep 2009
Location: Cumming,GA
Points: 4517
|
Post Options
Thanks(0)
Quote Reply
Posted: 08 Jul 2018 at 6:40pm |
My wife and I are 58. After the large increases last year, for me, my wife, and daughter it's right at $2,300.00 a month. We were at $1650.00 last year. It's different prices
everywhere, no rhyme or reason that I can find, my family side is pretty clean, but
massive heart issues and cancer on my wife's side. It's ugly, but sadly
very necessary. It has been my biggest planning issue that I had to deal with when I retired early.
|
|
Allis Express North Georgia
41 WC,48 UC Cane,7-G's,
Ford 345C TLB
|
|
marion
Orange Level
Joined: 19 May 2010
Points: 586
|
Post Options
Thanks(0)
Quote Reply
Posted: 08 Jul 2018 at 8:20pm |
|
I have blue cross and have been paying mine for 40 years is up to 288 per month with 5k deductible.I haven't had any health issues ever. Don't have a bride but hear they have lots of moving pieces in their stuff.
|
|
Roger (NE)
Bronze Level
Joined: 14 Oct 2010
Location: Nebraska
Points: 186
|
Post Options
Thanks(0)
Quote Reply
Posted: 08 Jul 2018 at 10:01pm |
|
I'm old enough to be on Medicare but my wife has her own business and she is paying $1150 a month. And that is with a $6000 deductible. I expect that price to increase next year significantly. Doubt you are going to find much for "reasonable" rates anymore. However insurance regulations seem to vary greatly from state to state. If you are going to go with an employer who doesn't offer a benefit package find a reputable agent who sells for good solid companies. A good agent is the best friend you can have.
|
|
shameless dude
Orange Level
Joined: 10 Apr 2017
Location: east NE
Points: 13611
|
Post Options
Thanks(0)
Quote Reply
Posted: 08 Jul 2018 at 10:08pm |
|
most I ever had to pay was $351. a month thru my govt job, they paid the rest, now i'm on medicare so...we'll see how that is! think'in i'm pay'in $100 something for that now.
|
|
johnkc
Orange Level
Joined: 22 Sep 2009
Location: KCMO
Points: 714
|
Post Options
Thanks(0)
Quote Reply
Posted: 08 Jul 2018 at 11:54pm |
|
When I renewed this year the lowest was 965 the highest was around 1800 per mo. For Anna & I
|
|
I support the development of hybrid automobiles and alternative fuels as I need DIESEL fuel for my ALLIS CHALMERS!
|
|
desertjoe
Orange Level Access
Joined: 23 Sep 2013
Location: New mexico
Points: 13357
|
Post Options
Thanks(0)
Quote Reply
Posted: 09 Jul 2018 at 6:13am |
It is simply amazing what health care costs us these days. My Wife and I are both on Medicare. Mine is $110/ mon and hers is $124/ mon. Medicare only pays 80% . I should have had a suplemental policy for both of us BEFORE she started having all these issues,,,,I thought then, it was way too dang expensive then,,,and,,don't even ask me how much our 20% of ALL her hospital/Dr,, expenses is gonna be for the last two years. I been seriously considerin bankruptsy protection,,,sheeesh,,!!!
|
|
shameless dude
Orange Level
Joined: 10 Apr 2017
Location: east NE
Points: 13611
|
Post Options
Thanks(0)
Quote Reply
Posted: 09 Jul 2018 at 2:16pm |
|
I did gits another policy to go with the medicare, to takes care of the drugs and other stuff. hafta meet a certain amount in a years time for it to kick in and pay. but they all have that
|
|
jaybmiller
Orange Level Access
Joined: 12 Sep 2009
Location: Greensville,Ont
Points: 21445
|
Post Options
Thanks(0)
Quote Reply
Posted: 09 Jul 2018 at 2:36pm |
yeesh... 2300 / month is 27,600 /yr. at $15hr that's 1840 hrs just to pay for health insurance 1840 hrs is 46 weeks !! so.... you work all year at the new minimum wage just to pay for it ?? oh wait...2300 is AFTER taxes dollars....
|
|
3 D-14s,A-C forklift, B-112
Kubota BX23S lil' TOOT( The Other Orange Tractor)
Never burn your bridges, unless you can walk on water
|
|
Tbone95
Orange Level Access
Joined: 31 Aug 2012
Location: Michigan
Points: 11388
|
Post Options
Thanks(0)
Quote Reply
Posted: 09 Jul 2018 at 2:39pm |
 jaybmiller wrote:
yeesh... 2300 / month is 27,600 /yr. at $15hr that's 1840 hrs just to pay for health insurance 1840 hrs is 46 weeks !! so.... you work all year at the new minimum wage just to pay for it ?? oh wait...2300 is AFTER taxes dollars....
|
Nah, you get to deduct health care premiums from yer taxes! Or pay them pretax through payroll deduction. 
|
|
weiner
Orange Level
Joined: 19 May 2012
Location: Cadillac, Mi.
Points: 4305
|
Post Options
Thanks(0)
Quote Reply
Posted: 09 Jul 2018 at 2:44pm |
|
I was paying a little over $100 a month for BCBS supplement for Medicare, never paid a red cent for anything that Medicare didn`t pay. Then comes Obamacare, now I pay almost double for my supplement and it don`t pay for hardly anything at all. You all know what I think of Obama!
|
|
Real heros wear dogtags, not capes.
|
|
johnkc
Orange Level
Joined: 22 Sep 2009
Location: KCMO
Points: 714
|
Post Options
Thanks(0)
Quote Reply
Posted: 09 Jul 2018 at 2:57pm |
|
Oh Weiner, you just gots me all pizzed off again reminding me of the Prez that said the premiums were gonna be 2500.00 per year and you can keep your Dr.
not trying to be political.
|
|
I support the development of hybrid automobiles and alternative fuels as I need DIESEL fuel for my ALLIS CHALMERS!
|
|
JoeM(GA)
Orange Level
Joined: 12 Sep 2009
Location: Cumming,GA
Points: 4517
|
Post Options
Thanks(0)
Quote Reply
Posted: 09 Jul 2018 at 3:58pm |
jaybmiller wrote:
yeesh... 2300 / month is 27,600 /yr. at $15hr that's 1840 hrs just to pay for health insurance 1840 hrs is 46 weeks !! so.... you work all year at the new minimum wage just to pay for it ?? oh wait...2300 is AFTER taxes dollars....
|
Not quite Jay, it sounds worse than that! I'm retired (or I don't work anymore, as my wife likes to say) I don't have a pension, I'm not old enough for Social Security and Medicare. I fund this out of what I've saved and invested through the years. It's not a pretty figure, but I planned for it, and was expecting this kind of money (or worse) I hate paying it, but
it's the price I am willing to pay to be done working! That's why I get such a kick out of people who just decide to up and retire with no prior planning or idea of what life really cost. They have no clue just how fast money goes when they're no longer drawing a paycheck.
|
|
Allis Express North Georgia
41 WC,48 UC Cane,7-G's,
Ford 345C TLB
|
|
jaybmiller
Orange Level Access
Joined: 12 Sep 2009
Location: Greensville,Ont
Points: 21445
|
Post Options
Thanks(0)
Quote Reply
Posted: 09 Jul 2018 at 4:32pm |
whew..man it's gotta be 'sticker shock', a 'deer in the headlights moment' for a lot ! Sure glad you figured it out !! I just got my first guv 'Old age pension' check this month...and have to pay taxes on it !!! Haven't had a paycheck in 30 years so having something come IN, is kinda nice but man paying taxes on my pension insome ain't sitting right with me... oh well... Jay
|
|
3 D-14s,A-C forklift, B-112
Kubota BX23S lil' TOOT( The Other Orange Tractor)
Never burn your bridges, unless you can walk on water
|
|
Lars(wi)
Orange Level Access
Joined: 14 Sep 2009
Location: Permian Basin
Points: 6622
|
Post Options
Thanks(0)
Quote Reply
Posted: 10 Jul 2018 at 8:03pm |
|
Tbone, is a 'deduction' or is a 'credit' on the income taxes?
|
|
I tried to follow the science, but it was not there. I then followed the money, and that’s where I found the science.
|
|
Ray54
Orange Level Access
Joined: 22 Nov 2009
Location: Paso Robles, Ca
Points: 4340
|
Post Options
Thanks(0)
Quote Reply
Posted: 11 Jul 2018 at 12:20pm |
jaybmiller wrote:
whew..man it's gotta be 'sticker shock', a 'deer in the headlights moment' for a lot ! Sure glad you figured it out !! I just got my first guv 'Old age pension' check this month...and have to pay taxes on it !!! Haven't had a paycheck in 30 years so having something come IN, is kinda nice but man paying taxes on my pension insome ain't sitting right with me... oh well... Jay
|
They are building your self esteem you are still a productive citizen paying your way.  Not one of the low life  welfare people we all like to take  it  out on.
|
|
Ray54
Orange Level Access
Joined: 22 Nov 2009
Location: Paso Robles, Ca
Points: 4340
|
Post Options
Thanks(0)
Quote Reply
Posted: 11 Jul 2018 at 12:28pm |
|
Would sure give me some peace of mind if things did not change every year. My wonderfull wife retired from her teaching job because because the kids where allowed to run the insane place and she could take the pays everything health insurance with her. But I have no idea what happens when we get to Medicare. My parents had a good supplement to Medicare but after O'bummer got done its all changed.
|
|
Tbone95
Orange Level Access
Joined: 31 Aug 2012
Location: Michigan
Points: 11388
|
Post Options
Thanks(0)
Quote Reply
Posted: 11 Jul 2018 at 12:38pm |
Lars(wi) wrote:
Tbone, is a 'deduction' or is a 'credit' on the income taxes?
|
In my case, I guess neither technically. It is tax exempt. Meaning, the money I use to pay the premium is taken out of my pay pretax, like I never earned it.
|
|
Tbone95
Orange Level Access
Joined: 31 Aug 2012
Location: Michigan
Points: 11388
|
Post Options
Thanks(0)
Quote Reply
Posted: 11 Jul 2018 at 12:41pm |
|
My parents both retired from good jobs. Both are plenty old enough to be on Medicare (and are on medicare). However they still buy over $1000 per month supplemental coverage. It's been a while since I've heard the exact number. It's easy to wonder why they pay so much, until you realize that they each have a stack of scripts that would make a chemist puke, and I know just 1 of Dad's many scripts is well over $1000 per month! It's insane. Sure glad Obama fixed it.
|
|
tadams(OH)
Orange Level Access
Joined: 17 Sep 2009
Location: Jeromesville, O
Points: 9623
|
Post Options
Thanks(0)
Quote Reply
Posted: 11 Jul 2018 at 1:25pm |
I only pay $210.00 a month for my suppimental policy for medical and $25.00 for drugs being on Medicare and my wife's is a little higher be a woman.
|
|
desertjoe
Orange Level Access
Joined: 23 Sep 2013
Location: New mexico
Points: 13357
|
Post Options
Thanks(0)
Quote Reply
Posted: 11 Jul 2018 at 4:47pm |
Hey Tom,,who do you have the supplemental with,,???
|
|
tadams(OH)
Orange Level Access
Joined: 17 Sep 2009
Location: Jeromesville, O
Points: 9623
|
Post Options
Thanks(0)
Quote Reply
Posted: 12 Jul 2018 at 3:32pm |
I have medical with Medical Mutual of Ohio and Humana for drugs
|
|
Topic Options