Do my employers' health insurance plans look higher than normal?

  • by rmj
  • Nov 13,2017
  • 6 answers

I uploaded a screenshot of all four health insurance plans that they offer:
https://image.ibb.co/jqd7JG/Insurance.jpg
I picked the one on the far right. These amounts are per pay period and we are paid every two weeks. Is this kind of high? I may eventually need knee surgery on one or both legs, so I'm trying to pick a good plan, but can't afford the best plan that they have (which seems insanely high even for just myself). I see that it comes free with long-term disability (not sure how "long-term" that is and what officially determines what "long-term" starts at).
The amounts just seem a lot higher than I remember when I had health insurance, but I haven't had it for this year yet. My employer didn't offer it until now.


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Insurance Answers (6)

H. Marie 6 days ago

you have to realize that when an employer offers health insurance that you can subscribe to it is a group plan and as such the rates are lower than what you would pay if you got insurance on your own
it is very likely that the rates are as good as you are going to find

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Alka 7 days ago

del

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JenWales last week

They seem pretty normal. I pay $130ish every 2 weeks for excellent health insurance (family plan).

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StephenWeinstein last week

No, they look lower than normal. One of them is costs you under $300, which means that your employer is picking up part of the cost, because even the cheapest employer plans usually have a total cost over $400 (which means that if the employee pays less, then the employer is paying the rest). Even the most expensive costs you only about $500 a month, which is still incredibly low considering that before Obamacare many Americans had to pay over $2000 a month for the cheapest plan they could get.

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Erik last week

Wow, that's really cheap. The plan my employer offers is more than double the most expensive one, and it probably sucks too. That's why I don't have health insurance.

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Zarnev last week

That's cheap. I pay $1530 per month for my wife and myself for a $4200/$8400 deductible with a $12,500 maximum out of pocket plan.

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