Health Ins....

[Breadburner]

Mine just went from 27 dollars a week to 80 dollars a week.....Thats for a Single non-smoker....Whats everyone else paying and do I have any local options like Blue Cross/Blue Sheild......Thanks in Advance.....

[AngieB]

You can apply online at www.bcbsok.com. I think high-deductible individual coverage is pretty reasonable (comparitively speaking).

If you are a member of the chamber, you can get group rates through them for BCBS coverage.

[Conan71]

I don't have a clue what my employer contribution is, I pay $15.25 per week- no dependents, non-smoker.

Sounds like your employer quit contributing to your plan, I was paying about $240 a month three years ago when I was still self-employed.

[sgrizzle]

That's pretty high. You might look at a high deductible plan plus an HSA. Your HSA will rollover and if you don't spend much you;ll come out ahead.

[Breadburner]

HSA......?

[Lister]

quote:Originally posted by Breadburner

HSA......?

Health Savings Account. You take a deduction out of your weekly, or biweekly pay (pre-tax) that goes into a savings account that you can spend on medical needs. The only drawback is that what you don't spend, you lose (at least I think). I'm one of the lucky ones, my employer pays 100 percent of my premiums. That 80 dollars a week you are paying is awfully high.

[sgrizzle]

quote:Originally posted by Lister

quote:Originally posted by Breadburner

HSA......?

Health Savings Account. You take a deduction out of your weekly, or biweekly pay (pre-tax) that goes into a savings account that you can spend on medical needs. The only drawback is that what you don't spend, you lose (at least I think). I'm one of the lucky ones, my employer pays 100 percent of my premiums. That 80 dollars a week you are paying is awfully high.

FSA you lose at the end of the year, HSA stays with you until you spend it. Some companies offer a high-deductible plan at little or no cost to the employee so you can put the money you would've been spending into your HSA.

[Lister]

quote:Originally posted by sgrizzle

quote:Originally posted by Lister

quote:Originally posted by Breadburner

HSA......?

Health Savings Account. You take a deduction out of your weekly, or biweekly pay (pre-tax) that goes into a savings account that you can spend on medical needs. The only drawback is that what you don't spend, you lose (at least I think). I'm one of the lucky ones, my employer pays 100 percent of my premiums. That 80 dollars a week you are paying is awfully high.

FSA you lose at the end of the year, HSA stays with you until you spend it. Some companies offer a high-deductible plan at little or no cost to the employee so you can put the money you would've been spending into your HSA.

Ahh. That's right "Flexible Spending Accounts" you lose. Good info Sgrizzle.

[Breadburner]

Well I just talked to my company to see if this might be a mistake....It's not....4,160.00 a year for health insurance for myself a non-smoker no pre-existing condition...This I have to say is blowing me away especially when I figure in my auto insurance and homeowners.....A little over 6,000.00.....What a hose job.....

[Lister]

quote:Originally posted by Breadburner

Well I just talked to my company to see if this might be a mistake....It's not....4,160.00 a year for health insurance for myself a non-smoker no pre-existing condition...This I have to say is blowing me away especially when I figure in my auto insurance and homeowners.....A little over 6,000.00.....What a hose job.....

I agree with you completely. You might as well go out and buy insurance on your own. What kind of work are you in, if I might ask?

[unknown]

How high a deductible are you thinking? You get too high a deductible and you run the risk of never meeting your deductible for the year and your insurance won't be covering much till you get the deductible paid off.

[Breadburner]

I'm in sales......

[inteller]

quote:Originally posted by Conan71

I don't have a clue what my employer contribution is, I pay $15.25 per week- no dependents, non-smoker.

eery.  that is exactly what I pay.

[Steve]

At least you guys can obtain health insurance, employer or private.  I have medical issues that have rendered me "uninsurable."

I thought the purpose of insurance was to distribute the cost of misfortune among a wider pool of participants.  What a joke, as the insurance companies have narrowed the eligible pool at the expense of the rest of us.  Fortunately, my health today is good, but I live in constant fear of the day when I get sick and become either a charity case and forfeit my hard-earned home and everything I own, or choose to die at home without health care because I can not afford it.  I would gladly pay insurance premiums and defray a part of my future health care needs if the premiums were reasonable and affordable, but the insurance industry has deemed me uninsurable.

Count your blessings, those of you that currently have and can afford health insurance.  The health care system in this country is one gigantic cluster f*ck.

[RecycleMichael]

I recommend a diet filled with preservatives to fight off infectious diseases.

If you get the sniffles, eat a Quik-Trip sandwich for lunch, a frozen pizza for dinner, and call me in the morning.