• This is a political forum that is non-biased/non-partisan and treats every person's position on topics equally. This debate forum is not aligned to any political party. In today's politics, many ideas are split between and even within all the political parties. Often we find ourselves agreeing on one platform but some topics break our mold. We are here to discuss them in a civil political debate. If this is your first visit to our political forums, be sure to check out the RULES. Registering for debate politics is necessary before posting. Register today to participate - it's free!

How much do you pay for Health Insurance?

How much does your personal Health Insurance premium cost per month?

  • Total voters
    26
scourge99

scourge99

DP Veteran
Joined
Aug 26, 2007
Messages
6,233
Reaction score
1,462
Location
The Wild West
Gender
Undisclosed
Political Leaning
Moderate
Trying to gauge what people on this board and in the US pay for Health Insurance, if applicable. Please post your state and age (to the nearest decade) if you don't mind--age and state make vast differences in costs.

If you buy family Health Insurance then divide the total by the number of people covered.

Do NOT include the price of dental insurance or eye care unless its included.

Do NOT include co-pays, deductibles, percentage coverage, maximums, etc.

This is simply the premium you pay monthly for whatever coverage you have/had.

Feel free to comment on any details, dissatisfaction, coverage, pre-existing condition, etc, in your responses.
 
Last edited:
Thank you, this will interest me!
 
I'm in AZ; Age group: 20 to 30.
 
Last edited:
Mine is provided by employer, and I am not sure exactly how much it costs.
 
Mine is provided through my employer, my portion of it for me and our kids is $275 a month.

My wife is insured through her employer, her portion of it is $80 a month.

We have pretty good insurance compared to what most people have anymore. Our total cost is still around $350 a month. Of course then you have to also consider what our employers contribute since from an economics perspective its part of our compensation. So its probably about 600 dollars a month total if you figured that in to insure our household.
 
My out-of-pocket cost is zero, it's entirely paid for by my employer. My wife's is paid for entirely by her employer as well, although if she had to put me on her insurance, she'd have to pay a certain amount for it, where as if I had her on mine, it would still be free.

I'm in my 40s and in California.
 
I pay $140 per pay period for me and my wife. I have a Cadillac plan
 
I pay $91/month for myself in the 18 to 25 bracket. The type of plan you have is also relevant, I have an all-you-can-eat plan with a 3k annual deductible.
 
I have Kaiser in LA. It is $509/month for me and my spouse.
$248 for me, $261 for him.
 
Last edited:
I have Blue Cross/Blue Shield. I pay, for Josh and myself, 221.63 per month. I am 33 and have some "conditions". Josh is 25 (26 tomorrow) and is healthy as a horse.
 
If I had the coverage that my school offers, it would be around $110/month. I'm still covered under my parents plan. They pay around $300/month for a family of 4.
 
rathi said:
I pay $91/month for myself in the 18 to 25 bracket. The type of plan you have is also relevant, I have an all-you-can-eat plan with a 3k annual deductible.
Click to expand...

Yeah, this thread is almost useless without deductable amounts and employer contributions listed.

Here are a few facts that will make it easier to understand the crisis:

Nearly $7,000 is spent per person per year on HC in the US.

Drug prices average 50% more in the US.

HC has went up 90% in the last eight years, that is more than doubling every ten years.

Doctors spent an average of $68,274 per year interacting with health plans.

McKinsey & Company - Accounting for the cost of U.S. health care: A new look at why Americans spend more
 
Last edited:
When I've had insurance it's been through an employer.

In WV, KY, and CA, 35+, I paid about $200/month
 
I'm 41 and live in Va, I pay $237 a month for myself. My ex wife works for the schools system, and has her insurance with them, Our daughter is on her insurance because it is almost $200 more a month for a family plan through my insurance company, and only $45 through her's. My daughter has 4 med's she needs daily. The out of pocket for those is around $36 a month.(walmart generics) She usually has a doctor visit or two every 2-3 months. The co pay is $25 each.

I also own a small furniture store. There are 13 employees. They are various ages between 23-83. A couple have some health problems, and one has had a recent medical emergency. I provide their insurance, and it cost's me a little over $15K per month.
 
Joe1991 said:
Yeah, this thread is almost useless without deductable amounts and employer contributions listed.

Here are a few facts that will make it easier to understand the crisis:

Nearly $7,000 is spent per person per year on HC in the US.

Drug prices average 50% more in the US.

HC has went up 90% in the last eight years, that is more than doubling every ten years.

Doctors spent an average of $68,274 per year interacting with health plans.

McKinsey & Company - Accounting for the cost of U.S. health care: A new look at why Americans spend more
Click to expand...

OK, my insurance is 80/20 with a $1500 deductible per year. I don't see how anyone can afford car insurance and a new car payment as most people do and not think they can afford some health coverage without uncle sam giving it to them as a hand out.

As I am technically "self employed" as a consultant, I pay for my own insurance.
 
I pay a ransom, but then I do have a new liver and a slab of Coopers Sparkling sitting in a special medical cooler ready and waiting for me.
 
jallman said:
OK, my insurance is 80/20 with a $1500 deductible per year. I don't see how anyone can afford car insurance and a new car payment as most people do and not think they can afford some health coverage without uncle sam giving it to them as a hand out.
Click to expand...
That's why you should buy a used car. New cars are just a waste of money unless you don't mind flushing 5k+ (depending on price of car its probably even more) for incredibly diminished return on investment.

Mines 90/10 $300 deductible in coverage.
70/30 $500 deductible out of coverage.
 
At one point, we had private insurance in the UK, through the Scottish arm of BUPA UK. 300 a month for a family of 3.(That'd be about 600 USD, I think?)
 
scourge99 said:
That's why you should buy a used car. New cars are just a waste of money unless you don't mind flushing 5k+ (depending on price of car its probably even more) for incredibly diminished return on investment.

Mines 90/10 $300 deductible in coverage.
70/30 $500 deductible out of coverage.
Click to expand...

Yeah, the 80/20 is in network. I am not sure what out of network is without looking back at the paperwork. It also has a dental and vision plan, for what its worth.

And when I buy a new car, I don't really care about the new car smell or any of that. I care about the warranty and service agreement I am getting with it. Other than my truck, I trade my car in about every 4 years. Once I traded it in earlier because the mileage warranty was coming really close to being exceeded.

I've kept my truck for 9 years and I drive it the most. I'm just having a hard time letting it go.
 
Anima said:
At one point, we had private insurance in the UK, through the Scottish arm of BUPA UK. 300 a month for a family of 3.(That'd be about 600 USD, I think?)
Click to expand...

ouch.

.....
 
I'm 26 and I pay $16.03 a week for my 2 sons and myself.
It's one of my company plans.

I believe I have a 70/30 plan, with a $30 co pay for primary care and a $55 co pay for specialists.
 
I'm 20 and live in Texas. I pay $150 a month for health insurance through Starbucks. Currently, we use Aetna as our health care provider, but we'll be changing to Premera Blue Cross soon.
 
Joe1991 said:
Yeah, this thread is almost useless without deductable amounts and employer contributions listed.

Here are a few facts that will make it easier to understand the crisis:

Nearly $7,000 is spent per person per year on HC in the US.

Drug prices average 50% more in the US.

HC has went up 90% in the last eight years, that is more than doubling every ten years.

Doctors spent an average of $68,274 per year interacting with health plans.

McKinsey & Company - Accounting for the cost of U.S. health care: A new look at why Americans spend more
Click to expand...

You didn't like what you saw, so you felt the need to start an off-topic rant about how all healthcare in the US is ****ed? How about you just stick to the topic?
 
You must log in or register to reply here.
Back
Top Bottom