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Time of year for new medical plan enrollments...

Time of year for new medical plan enrollments...

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Old Nov 21st 2017, 7:12 pm
  #31  
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Default Re: Time of year for new medical plan enrollments...

Originally Posted by kins
I was chatting to my doctor about the cost of health insurance premiums recently - he pays $15,000+ a year for his family's policy. I stopped whining about our premiums at that point.
Is that why he charges so much? I wouldn't complain either if I was billing at the same rate as your doctor.
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Old Nov 21st 2017, 9:40 pm
  #32  
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Default Re: Time of year for new medical plan enrollments...

$8 per month increase for me. Can't complain
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Old Nov 22nd 2017, 1:21 pm
  #33  
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Default Re: Time of year for new medical plan enrollments...

Our HSA HD plan continues to be free for us, along with free dental and vision. Deductible has gone up from $2.6k to $3k, which is still reasonable. Employer puts $1k a year in the HSA.
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Old Nov 22nd 2017, 2:10 pm
  #34  
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Default Re: Time of year for new medical plan enrollments...

Originally Posted by kodokan
Our HSA HD plan continues to be free for us, along with free dental and vision. Deductible has gone up from $2.6k to $3k, which is still reasonable. Employer puts $1k a year in the HSA.
WOW that's a good deal!
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Old Nov 22nd 2017, 7:51 pm
  #35  
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Default Re: Time of year for new medical plan enrollments...

Originally Posted by MidAtlantic
WOW that's a good deal!
I know, is crazy good. Previous employer insurance was around $550 a month with a much bigger deductible.

This company also has a generous 401k match where every dollar is matched with 50c, so $18k becomes $27k. It’s important to look at more than just the straight salary offer when considering a new job!
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Old Nov 22nd 2017, 7:52 pm
  #36  
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Default Re: Time of year for new medical plan enrollments...

Originally Posted by kodokan
I know, is crazy good. Previous employer insurance was around $550 a month with a much bigger deductible.

This company also has a generous 401k match where every dollar is matched with 50c, so $18k becomes $27k. It’s important to look at more than just the straight salary offer when considering a new job!
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Old Nov 22nd 2017, 8:42 pm
  #37  
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Default Re: Time of year for new medical plan enrollments...

Originally Posted by kodokan
I know, is crazy good. Previous employer insurance was around $550 a month with a much bigger deductible.

This company also has a generous 401k match where every dollar is matched with 50c, so $18k becomes $27k. It’s important to look at more than just the straight salary offer when considering a new job!
Ditto on the HSA (for individual zero/month and $1000 contribution) and same 401k benefits - wonder if we work at the same place!
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Old Nov 22nd 2017, 9:59 pm
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Default Re: Time of year for new medical plan enrollments...

Originally Posted by Mercury39
Ditto on the HSA (for individual zero/month and $1000 contribution) and same 401k benefits - wonder if we work at the same place!
Does yours begin with N..?
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Old Nov 22nd 2017, 10:37 pm
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Default Re: Time of year for new medical plan enrollments...

Originally Posted by kodokan
Does yours begin with N..?
Nope! G..
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Old Nov 27th 2017, 11:53 pm
  #40  
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Default Re: Time of year for new medical plan enrollments...

$500/mo for wife and I, both mid-late twenties, for a HD plan (HSA compatible) with a $6k/$12k deductible. Both in good health, no pre-existing conditions, etc.

We were expecting to pay a lot, but I feel like this is quite steep. Then again, $6k/yr for peace of mind, plus the added tax benefits of the HSA, maybe I'm being harsh?

Last edited by Katdog; Nov 27th 2017 at 11:55 pm.
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Old Nov 28th 2017, 12:05 am
  #41  
 
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Default Re: Time of year for new medical plan enrollments...

Originally Posted by Katdog
$500/mo for wife and I, both mid-late twenties, for a HD plan (HSA compatible) with a $6k/$12k deductible. Both in good health, no pre-existing conditions, etc.

We were expecting to pay a lot, but I feel like this is quite steep. Then again, $6k/yr for peace of mind, plus the added tax benefits of the HSA, maybe I'm being harsh?
Yeah, $500/mth isn't cheap for a HD plan. Is it an employer plan or an exchange plan?
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Old Nov 28th 2017, 4:31 am
  #42  
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Default Re: Time of year for new medical plan enrollments...

Originally Posted by Pulaski
Yeah, $500/mth isn't cheap for a HD plan. Is it an employer plan or an exchange plan?
It’s an exchange plan straight from healthcare.gov. I’m still working for an employer in the UK (small scale startup) and my wife is most likely only going to get a per-diem role which we suspect won’t offer any help with healthcare.

We figure we’ll likely earn over the poverty threshold so aren’t eligible for tax credits to assist...
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