Comment by frogperson
4 hours ago
Yep, you and your employer pay $3500/month for the premium. Then you as an individual have a $12k to $15k per year deductible before the insurance even kicks in.
4 hours ago
Yep, you and your employer pay $3500/month for the premium. Then you as an individual have a $12k to $15k per year deductible before the insurance even kicks in.
That’s grossly exaggerated. Individual deductibles are limited by law to ~$6500 even on the worst plans. And no one is paying $3500 per month for individual coverage on one of those plans. The actual rates depend on age and zip code, but I’d be very surprised if they’re that high anywhere.
To see the actual costs for yourself, go to healthcare.gov. The “bronze” plans are the ones with high deductibles. If you’re young and healthy, a high-deductible plan combined with an HSA is a very good idea.
12-15k? Lol the highest one Ive ever seen in a high deductible plan was $7500 and that still had some co-pays and coinsurance