Affordable Health Insurance?

[Aquila]

Originally Posted by joyful

My husband just started a new job that did not offer health benefits. He knew a health insurance broker through a networking organization that he belonged to and we used this broker to sign up for individual coverage.

We have 80%/20% coverage with a $2500 deductible and additional $2500 out of pocket maximum per year plus dental coverage through Humana for $489 a month for my husband, me and our 2 young children.

I was really surprised that we were able to get it that affordable. From all the stories I had heard, I was really expecting to pay closer to $900 per month.

I'm a government employee and our program is through UHC. Our family has an HSA plan with an annual $4000 deductible and the government front loads it with $3000 every year (tax free by the way). After the deductible is met we have 100% coverage. Since it's an HSA the account is managed as a line of credit. We plan on using at least $700 of it for Christmas money. Of course since it's not health care related we have to pay taxes on what we spend.

Cost...$40 a month.

[Hoovie]

Originally Posted by Aquila

I'm a government employee and our program is through UHC. Our family has an HSA plan with a $4000 deductible and the government front loads it with $3000 every year. After the deductible is met we have 100% coverage.

Cost...$40 a month.

One sure thing... The Government plan costs far more.

[Aquila]

Originally Posted by Stephen Hoover

One sure thing... The Government plan costs far more.

Actually it doesn't. Cost analysis was already performed and it's actually quit inexpensive compared to most plans available on the private market. I will give you this much...the traditional package was VERY expensive as far as cost to the government. But the HSA plan is actually reducing costs as we shop for care and treatment. And don't get me on the OPERS retirement program. I'll be set if I retire as a government employee.