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Post by mcgee on Nov 13, 2017 16:04:15 GMT -5
For those of you that don't get health benefits through work, how much do you spend on health insurance per month? Right now I get insurance through my employer and pay about $180 per month for it, but lately I've been feeling like I might get laid off so have been looking at insurance costs. DH is retired so I can't get it through him. Looks like the least expensive plan that I see is about $700 per month. Yikes! I would definitely have to get a job to be able to afford that. My BIL recently died from cancer and the bills are just starting to come in from his lengthy hospital stay and then hospice. One bill from the hospital alone (does not include doctor's fees) came in at $200,000. His insurance covers 90% and then the rest is out of pocket. I fear his wife is going to go bankrupt when all is said and done  . |
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Post by wallycat on Nov 14, 2017 10:49:52 GMT -5
DH is on medicare and I am still on his former employer (also my former employer but I quit and went back to school after we were married) as his spouse/dependent. Our premiums and deductible have all been going up, but nothing like the 700 you are seeing privately.
Good luck. I hope clown-boy can actually do something with health care that won't work just for his cronies.
Sorry for the rant.
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Post by mcgee on Nov 14, 2017 13:38:22 GMT -5
DH is on medicare and I am still on his former employer (also my former employer but I quit and went back to school after we were married) as his spouse/dependent. Our premiums and deductible have all been going up, but nothing like the 700 you are seeing privately. Wow - you're lucky you can go on your husband's plan even though he's retired! A few years ago my company offered early retirement and the best part of the deal was that they would provide $10k per year for health insurance until you were eligible for Medicare but I was too young at that time. If they offer it again (which is unlikely), I will consider it. |
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Post by wallycat on Nov 14, 2017 18:08:56 GMT -5
I fear the whole landscape of benefits/healthcare/working are changing. I worked for GE and the year after I quit, they phased out matching and pensions. I just turned 60 so I hope I can hang on till medicare...if it is still available. OK, i'll try not to rant.  |
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Post by PattiA on Nov 14, 2017 18:42:17 GMT -5
My DH retired in June and I'm self employed. We're 57 so a lot of years and $$ til Medicare. We're using his COBRA benefits right now and it is about $1200/month for the two of us. With the insurance marketplace so volatile, we decided to suck it up and pay the COBRA premiums rather than jump into the open market. We'll have to do that in 2019 but I keep dreaming that the options may be better by then. We are spoiled by having always had good employer provider health insurance. This is new territory for us. I will never complain about our current $2600 deductible after seeing marketplace plans with monthly premiums similar to what we currently pay for plans with $12,000 deductibles.
Sorry to hear about your BIL mcgee. So much for the family to deal with. Medical bankruptcy looms over so many people.
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Post by Catbatty on Nov 14, 2017 20:06:03 GMT -5
My husband is 63, won't qualify for Medicare till he's 65, so he pays $800 per month for health insurance. (He retired in his early 50's.) I, on the other hand, am almost a decade older than he is, so I do have Medicare. I pay $200 a month for things that medicare doesn't completely cover. ($100 to gov and about $100 to our insurance co, is how I understand it.) If it's not the gov that gets the $100, it might be my insurance co...I forget what DH said...but anyway, it's $200 a mo for me now that I'm ancient (and VERY happy to BE!!) LOL Yes, I am older than he is...it worked for us...31st wedding anniversary this month!!!! |
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Post by wallycat on Nov 14, 2017 22:22:12 GMT -5
DH and I are 17 years difference; he's the older one....just celebrated 24 years. Congrats on the 31 years! As much as I believe in a competitive climate for many things, at the rate things are going, I wonder if a one-payer "medicare for all" plan would help out a lot of people and medicare. |
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Post by Catbatty on Nov 14, 2017 22:28:28 GMT -5
DH and I are 17 years difference; he's the older one....just celebrated 24 years. Congrats on the 31 years! As much as I believe in a competitive climate for many things, at the rate things are going, I wonder if a one-payer "medicare for all" plan would help out a lot of people and medicare. Congrats to hubby and you, too, Wallycat!!! One payer? I like that idea. Can I pick who pays it?? (I'm thinking of some rich folks I'd like to stick with the bill.)  |
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traildoggie
Politicos
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Post by traildoggie on Nov 16, 2017 12:00:04 GMT -5
I'm Medicare with a not expensive supplement. DH is younger, 63. he tore out what was left of his hair this year trying to get decent coverage. the only things in the private market are about $700 a month, basically catastrophic coverage. the deductible is I think $7000. some preventive care is covered but not much as far as we can tell. Wallycat, rant away. we are getting screwed over big time with the idiot & his cronies doing everything he can to undermine what's left of the ACA. I am not sure if all states have such poor choices. McGee, that is so sad. people should not work their whole life and then get bankrupted by medical care. |
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