https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Sun, 26 Apr 2026 14:46:39 +0000 https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2469716 Mon, 22 Feb 2016 07:47:43 +0000 farawayyama 2469716@https://boards.hellobee.com/ <p>I pay $140/month for me and dd. I teach, so good insurance. I think 500 deductible, 1200 out of pocket? DH provides his own because they offered him cheap, ok insurance for less than adding him to mine as part of his grad assistantship.<br /> We both miss living somewhere with universal healthcare though :p </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2469683 Mon, 22 Feb 2016 06:39:51 +0000 BananaPancakes 2469683@https://boards.hellobee.com/ <p>We pay right around $800 a month for the 3 of us. $2500 deductible $30-$50 copays. It sucks. We usually spend another $800/month in copays, prescriptions and payments to the hospital for testing we had done on my son last year that wasn't covered but necessary. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2469549 Sun, 21 Feb 2016 22:00:14 +0000 avivoca 2469549@https://boards.hellobee.com/ <p>Between $350 and $375, but we are also assessed a $150 monthly fee on top of that for me to be covered. Once I have this baby, I'm going on my employee health plan. It has a lower deductible but the maternity coverage is poor. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2469540 Sun, 21 Feb 2016 21:42:11 +0000 Finfan 2469540@https://boards.hellobee.com/ <p>answered twice oops </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2469298 Sun, 21 Feb 2016 14:59:07 +0000 LovelyPlum 2469298@https://boards.hellobee.com/ <p>Ours is ~$160 per month and really good. No more than $25 co-pay for anything outpatient, and all the in-patient stuff is covered over our $200 deductible. It is the one and only no-catch, real perk we get as teaching assistants at our university. We're only on it until September, though, because next year I won't be teaching. I'm nervous to see what DH's looks like!</p> <p>@yoursilverlining: yes to public university healthcare! Somehow, we managed to get the same health benefits as professors have, and it is ah-ma-zing. I'm sad to be leaving it next year! </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2469295 Sun, 21 Feb 2016 14:56:18 +0000 yoursilverlining 2469295@https://boards.hellobee.com/ <p>@Mrs Green Grass: the employer cost for our insurance is like $23k; which is crazy! </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2469288 Sun, 21 Feb 2016 14:53:33 +0000 yoursilverlining 2469288@https://boards.hellobee.com/ <p>We are all on my husband's plan for family coverage and it's like $300/month and great coverage. No complaints - one of the benefits of working for a public university! </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2469278 Sun, 21 Feb 2016 14:09:44 +0000 Finfan 2469278@https://boards.hellobee.com/ <p>Ours is about $300 a month for the 4 of us but my work (public employee) pays 80% of our deductible, co-pays, everything. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2469181 Sun, 21 Feb 2016 10:18:18 +0000 Applesandbananas 2469181@https://boards.hellobee.com/ <p>Ours is $340/month with a $5k deductible and $6.5k max OOP. No copays, but we pay everything up to $5k. It sucks, but was the best option of the 4 insurers we could choose from. Every company I've worked for has been on a HDHP. My employer contributed $600/year to my HSA and I can contribute enough per year to cover the max OOP without exceeding IRS regs, so if you take into account the small tax benefit there, it's not quite as bad as it sounds, but we definitely meet our max OOP every year. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2469179 Sun, 21 Feb 2016 10:13:35 +0000 Mrs D 2469179@https://boards.hellobee.com/ <p>I have bluecare network and pay $160 bu monthly for myself, k and dd2. I cannot add dh to my plan bc my company is cheap and doesn't allow spouses who have coverage through their work.</p> <p>I think when we all merge to DHs plan it will be $200 bi monthly... </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2469086 Sun, 21 Feb 2016 06:35:59 +0000 Ginabean3 2469086@https://boards.hellobee.com/ <p>DH's employer covers us 100%.....it's part of his compensation package! We just pay $20/co-pay and nothing for well-visits. We have access to great hospitals and doctors. I am very thankful!!! </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2467363 Fri, 19 Feb 2016 08:02:39 +0000 Littlebit7 2467363@https://boards.hellobee.com/ <p>Ours is $335 per month for family coverage thru DHs job. It's a hdhp.<br /> 4000 family deductible and 6500 max OOP (see below)<br /> We pay the negotiated rate until we hit the deductible and then it's 10% co insurance after that until we hit max OOP. (For example a pedi office visit is about $60)<br /> we have only met the deductible once for LO's birth</p> <p>The big kicker is that DHs work fully funds the max OOP via a yearly HSA contribution. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance/page/2#post-2467355 Fri, 19 Feb 2016 07:43:00 +0000 Bao 2467355@https://boards.hellobee.com/ <p>@MamaG: I hope that's true! </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467353 Fri, 19 Feb 2016 07:40:30 +0000 MamaG 2467353@https://boards.hellobee.com/ <p>@looch: I believe that is for an employee only plan and not for additional dependents. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467348 Fri, 19 Feb 2016 07:32:43 +0000 Bao 2467348@https://boards.hellobee.com/ <p>@looch: it's 16% of his income. So I wasn't off thinking that was a lot. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467332 Fri, 19 Feb 2016 06:58:33 +0000 looch 2467332@https://boards.hellobee.com/ <p>Does anyone know the recommended percentage of health insurance on total income?</p> <p>Eta: I found a figure, if your share of premiums is more than 9.5% of household income that is considered unaffordable. Full article at bankrate.com. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467258 Thu, 18 Feb 2016 23:46:56 +0000 Rainbow Sprinkles 2467258@https://boards.hellobee.com/ <p>We pay $160 a month for a family of 5 for health, dental, and vision.</p> <p>We have a $300 deductible for the family, and then insurance covers everything 90/10 up until 2,000 max out of pocket. After that, they cover 100%.</p> <p>No co-pays, except for ER (I believe) which is $50. We have $2 prescriptions.</p> <p>DD was recently admitted to the hospital and had x-rays, an IV, and several medications and we have to pay about $350.</p> <p>We are so blessed with incredible health insurance. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467255 Thu, 18 Feb 2016 23:46:19 +0000 Mrs.Pinecone316 2467255@https://boards.hellobee.com/ <p>My husbands is completely free so all 3 of us are under that. $30 co pays for our primary, $60 for specialists, $750 for hospital admissions. No deductible and 100% covered after copay. This is an HMO.</p> <p>I am a nurse- we use to be covered under mine. It was $77/month for just me, when I added my husband and baby it end up being $275/month. My copays for our primary and urgent care for $20, $50 for ER. No deductible and paid 100%. HMO. So copays were less but since my husbands is free we switched to his.</p> <p>I've had really good luck with my HMO's since we have no deductibles. (minus infertility that I paid 100% Out of pocket for IVF) but I otherwise I have had 2 surgeries I only had to pay a $60 copay for. It cost $250 total to have my baby. All prenatal visits free. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467245 Thu, 18 Feb 2016 23:20:22 +0000 FannyMae 2467245@https://boards.hellobee.com/ <p>ours is about $400 a month, with $250 excess - top hospital/top extras cover. I think its about $200 per year I can claim for optical/dental/physio etc extras. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467239 Thu, 18 Feb 2016 23:07:31 +0000 HLK208 2467239@https://boards.hellobee.com/ <p>We pay $550 a month for all 5 of us. We have a $1k individual deductible, $3k family deductible, $4500 out of pocket max. We're covered 80/20. $0 well visits and preventive care, $30 sick visits and urgent care and $100 for ER. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467233 Thu, 18 Feb 2016 23:01:16 +0000 sunny 2467233@https://boards.hellobee.com/ <p>I have a subsidized HDHP plan through my employer. I pay about $40/month for me and LOs. We have a deductible of $3000 and after that, we pay 10% coinsurance up to a max of $5000. I think this is pretty reasonable! The only sucky thing is DH can't be on our plan so he has a separate premium ($80/month) and separate deductible and OOP max. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467228 Thu, 18 Feb 2016 22:57:50 +0000 Anagram 2467228@https://boards.hellobee.com/ <p>My family of 4 is all on my insurance. I'm a teacher and our state has really good state insurance for teachers. We pay about $450 a month, but all well visits are free, sick visits are $10, both of my births were $10. I don't even know what our deductible is, but our OOP max for the year is low, like $3000 for the whole family so I think that's great. We've never come close to that, since maternity is covered 100%, but it's nice to know we won't go bankrupt if one of us gets cancer. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467217 Thu, 18 Feb 2016 22:47:20 +0000 sapphire 2467217@https://boards.hellobee.com/ <p>DH's covers himself and dependents without a premium. Mine covers me without a premium but would have costed to add LO. I also have DH's as secondary insurance because my plan covers most at 80% and his at 90%. Doesn't cost extra for the secondary insurance. Both high deductible plans though. Overall I feel very lucky. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467112 Thu, 18 Feb 2016 21:29:41 +0000 Mrs Green Grass 2467112@https://boards.hellobee.com/ <p>@MrsBeluga: yeah I'm sure. In a union everyone is "equal." </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467042 Thu, 18 Feb 2016 20:36:47 +0000 lovehoneybee 2467042@https://boards.hellobee.com/ <p>$30/ month, no deductible HMO. Covers me and the kids, and secondary for D. No co-pay for office visits (pedi, PCP or OBGYN) $25 for specialists. ER visits are $50, which is waived if you are admitted to the hospital. My co-pay for my second pregnancy, including L&amp;D, was $25. </p> <p>I work for the state. My pay isn't great, and paid maternity leave is not a thing, but the health benefits are a HUGE perk. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2467016 Thu, 18 Feb 2016 20:18:32 +0000 GrapeCrush 2467016@https://boards.hellobee.com/ <p>We have a high deductible plan. </p> <p>$3000 deductible for their 'preferred providers' covered at 80% and copays after its met </p> <p>$6000 deductible for their 'non-preferred providers' covered at 60% and copy's after its met</p> <p>We get $2000 in our HSA through my employer. We have no premiums...one of the perks of working at the insurance company I guess. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2466968 Thu, 18 Feb 2016 19:28:32 +0000 regberadaisy 2466968@https://boards.hellobee.com/ <p>That is really good insurance. Despite what your husband makes. Especially for a family plan! </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2466966 Thu, 18 Feb 2016 19:27:01 +0000 MrsBeluga 2466966@https://boards.hellobee.com/ <p>@Mrs Green Grass: That is crazy , they must be averaging you with the older people... The older people are literally like 3X the cost of a 20/30 yr old. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2466963 Thu, 18 Feb 2016 19:26:05 +0000 BelugaBean 2466963@https://boards.hellobee.com/ <p>DH is a contractor and I'm a SAHM so we have private insurance. It's $815 a month with like an individual deductible of $5000, I think, and family deductible around $13,000. Terrible coverage for so much money per month. </p> https://boards.hellobee.com/topic/how-much-is-your-health-insurance#post-2466962 Thu, 18 Feb 2016 19:24:54 +0000 MrsBeluga 2466962@https://boards.hellobee.com/ <p>For two 30 yr old adults and one toddler my work pays $900/m for medical and another $175/m for dental (I know this because I am quasi-HR). We were able to take the $900 they pay and enroll into either an HMO or a HDHP PPO with a $7K deductible and $13K OOP maximum. We went with the HMO. My work covers 100% of the premium cost, and we feel so so fortunate. </p>