https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Wed, 08 Apr 2026 04:22:23 +0000 https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355969 Fri, 13 Nov 2015 16:51:34 +0000 MrsBeluga 2355969@https://boards.hellobee.com/ <p>Rates are going up this year because many companies finally have to switch to ACA compliant plans. ACA is effective beginning 2015, many companies changed their open enrollment period to November, so that they could delay the 2015 implementation by 11 months.</p> <p>I just found out today that our employer will no longer be funding anything towards our HSA (they funded $6500 in 2015). Our high deductible health plan has a OOP max of $12,000. We are trying to get pregnant, so were looking at a $12,000 bill coming our way.</p> <p>Thanks Obama. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355806 Fri, 13 Nov 2015 14:59:14 +0000 MrsSCB 2355806@https://boards.hellobee.com/ <p>@Smurfette: @mrskc: As I understand it, the Cadillac Tax would require employers who provide high-end benefits to pay additional tax. So the way my HR person made it sound, to avoid having to pay that tax, my employer is just making benefits worse. I think that's where the idea of "punishment" comes in -- the fact that employers are being taxed if they provide good benefits, which seems like it just gives employers incentive to make them worse.</p> <p>ETA: there's a lot of talk about repealing it. Though if a lot of companies are making changes to anticipate it now, I feel like it would be too late. <a href="http://thehill.com/policy/healthcare/259727-talk-grows-of-repealing-obamacare-cadillac-tax" rel="nofollow">http://thehill.com/policy/healthcare/259727-talk-grows-of-repealing-obamacare-cadillac-tax</a> </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355798 Fri, 13 Nov 2015 14:54:42 +0000 Smurfette 2355798@https://boards.hellobee.com/ <p>@mrskc: I think this day and age, it would be weird for your rates to not go up. Or stays the same and benefits are down. Stinks but it could always be worse. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355795 Fri, 13 Nov 2015 14:53:56 +0000 JoJoGirl 2355795@https://boards.hellobee.com/ <p>@mrskc: @Smurfette: <a href="http://www.cigna.com/aboutcigna/informed-on-reform/cadillac-tax" rel="nofollow">http://www.cigna.com/aboutcigna/informed-on-reform/cadillac-tax</a> It basically means the most expensive (ie best) employee-sponsored plans are going to be more expensive this year. although it says 2018 so I'm not sure why everything is already more expensive next year. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355791 Fri, 13 Nov 2015 14:51:59 +0000 mrskc 2355791@https://boards.hellobee.com/ <p>@Smurfette: from what dh's employer has told him, it's because of the ACA that our plans are going up. I don't know exactly how it all works. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355785 Fri, 13 Nov 2015 14:49:53 +0000 mrskc 2355785@https://boards.hellobee.com/ <p>@sunny: I know it's really awesome! Dh is a teacher so good insurance makes up for the low pay. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355784 Fri, 13 Nov 2015 14:49:42 +0000 JoJoGirl 2355784@https://boards.hellobee.com/ <p>@MrsSCB: I mean.. i work for the health insurance company that gives us our health insurance.... they're REALLY good to their employees so I definitely don't think - rather I know - that increase premiums isn't about their financial standing. It's more money THEY have to pay to the government. That isn't always the case for every employer, but I know for us, the % of the premium they are covering hasn't changed. Just the cost of the premium itself has. It is a bummer, but they give us a good plan (i just changed jobs partially FOR the health insurance plan) so I won't complain! </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355779 Fri, 13 Nov 2015 14:47:50 +0000 Smurfette 2355779@https://boards.hellobee.com/ <p>@mrskc: ok, so really it is $1200 a year (4*$300), still that isn't bad. How do you think you are being punished? </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355775 Fri, 13 Nov 2015 14:46:16 +0000 MrsSCB 2355775@https://boards.hellobee.com/ <p>@JoJoGirl: So frustrating! I work for a medical center and I do feel like if your company is related to health care, it almost feels even more like a slap in the face to reduce benefits... </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355772 Fri, 13 Nov 2015 14:44:51 +0000 mrskc 2355772@https://boards.hellobee.com/ <p>@Smurfette: yes $300 per year per person although it might be $400-500 this year with the plan change. I can't remember now. I know we have incredible insurance. It's just frustrating that we are getting punished for having such good insurance. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355766 Fri, 13 Nov 2015 14:42:12 +0000 JoJoGirl 2355766@https://boards.hellobee.com/ <p>@MrsSCB: I just started a job working in HR FOR a health insurance company - our premiums are going up too, and yes, because of the Cadillac tax (according to our benefits team). </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355755 Fri, 13 Nov 2015 14:38:58 +0000 sunny 2355755@https://boards.hellobee.com/ <p>@mrskc: You have amazing insurance!!! </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355743 Fri, 13 Nov 2015 14:33:14 +0000 Smurfette 2355743@https://boards.hellobee.com/ <p>@pwnstar: so ridiculous! </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355728 Fri, 13 Nov 2015 14:26:02 +0000 ShootingStar 2355728@https://boards.hellobee.com/ <p>I was pissed because DH's employer doubled our costs. But looking at what everyone pays I guess I should be happy with $134/paycheck for family coverage. Still annoyed though, since it used to be $60. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355722 Fri, 13 Nov 2015 14:23:34 +0000 pwnstar 2355722@https://boards.hellobee.com/ <p>@Smurfette: My deductible is also $3k. I pay, for family coverage, $1k a month (my employer covers a good bit of the premium, but not all of it). And of course that's in addition to all co-pays.</p> <p>Eta: That said, I appreciate having multiple treatment/provider options. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355712 Fri, 13 Nov 2015 14:17:59 +0000 Smurfette 2355712@https://boards.hellobee.com/ <p>@mrskc: Your deductible is only $300 for the year? and you pay nothing out of pocket? Mine is $3K plus $60 every two weeks for my portion. This is just for LO and me. DH has to be on his work plan, mine won't cover him since he has it offered through work. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355680 Fri, 13 Nov 2015 14:01:07 +0000 MrsSCB 2355680@https://boards.hellobee.com/ <p>@Miss Ariel: @mrskc: Yeah, someone in HR told me the reason they were changing was the Cadillac tax but it's probably just a convenient excuse. I'm pretty annoyed with my company, because I know we spend so much money on frivolous things and I feel like they're basically passing this tax onto the employees :-/ We're also switching insurance providers entirely, which is frustrating. And our deductible is going from $250 to $750. Yuck. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355676 Fri, 13 Nov 2015 14:00:03 +0000 mrskc 2355676@https://boards.hellobee.com/ <p>We are all on dh's insurance and we pay nothing out of pocket for it. But our plan keeps getting worse every year. Co pays, deductible and max out of pocket have all tripled. </p> <p>I feel like this ACA is a joke. My brother makes $10/hour. He recently moved in with his gf and her daughter and is supporting them. They can't afford the $50/ month for Kaiser for him. But unless he wants to be fined on his taxes had to sign up for health insurance. So now he pays $10 (I think? Can't remember exact number) a month for Obama care and all he gets is free screenings. What a joke. </p> <p>@MrsSCB: ugh this is happening to us the last 2 years!! While we do have amazing insurance everything has gone up triple. So $10 co pays are now $30 and duductible went from $100 to $300. We now have a prescription deductible that I've never even heard of before. It's making mad! Why are we being punished for having good insurance. While I know $300 deductible is amazing to some people, I'm just not used to budgeting so much towards medical stuff. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355662 Fri, 13 Nov 2015 13:50:26 +0000 Miss Ariel 2355662@https://boards.hellobee.com/ <p>@MrsSCB: technically the caddilac text doesn't go into effect until 2018, but that doesn't stop your company from changing plans to prepare for it. Although there's talk about getting ride of it. But the tax is supposed to be a way of finding aca and maybe lead to lower premiums overall? </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up/page/2#post-2355646 Fri, 13 Nov 2015 13:36:34 +0000 Miss Ariel 2355646@https://boards.hellobee.com/ <p>They haven't told us yet, although I'm sure it will. I know dh's is staying the same. Although it went up twice last year and benefits decreased so it kinda evens out. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up#post-2355610 Fri, 13 Nov 2015 13:04:50 +0000 agold 2355610@https://boards.hellobee.com/ <p>@mediagirl: I do know one girl who has insurance through the affordable care act and it seems to be very affordable to her. She goes to therapy regularly and gets prescriptions and pays about $2.00 for each. But she's a single mom with no job. So it might be affordable for people with no jobs. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up#post-2355607 Fri, 13 Nov 2015 13:00:03 +0000 mediagirl 2355607@https://boards.hellobee.com/ <p>@agold: it's called the affordable care act. :) it's not really affordable...to anyone. But the politicians don't care because they're all set. What bugs me is you don't see these things in the news... </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up#post-2355601 Fri, 13 Nov 2015 12:57:19 +0000 agold 2355601@https://boards.hellobee.com/ <p>Somehow I think my health insurance deductible is going to be less, but my dental insurance is going to be more. I get insurance through my work. </p> <p>I don't understand the Obama care insurance, but isn't that supposed to provide "affordable" insurance to everyone? </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up#post-2355566 Fri, 13 Nov 2015 12:05:48 +0000 Chuckles 2355566@https://boards.hellobee.com/ <p>@mediagirl: unfortunately there's no actual plan through his firm because it's so small. Taking the stipend, which would *maybe* cover insurance for a single person, is the only option. And I work part-time, so no insurance here either. I'm actually trying to find a full time job right now and a big reason is because we really need the benefits. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up#post-2355515 Fri, 13 Nov 2015 11:43:02 +0000 Boogs 2355515@https://boards.hellobee.com/ <p>@mediagirl: Yup! Costs are going up and coverage is going down. :( </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up#post-2355370 Fri, 13 Nov 2015 10:33:33 +0000 Jess1483 2355370@https://boards.hellobee.com/ <p>We have Tricare since DH is retired military, and we don't pay for it. But DH's company health care went up this year (we opt out). And their coverage is awful. DH wasn't allowed to opt out at his last job, so we had double coverage and never paid anything. This year we went to just Tri-care a month before LO2 was born, and we ended up paying quite a bit. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up#post-2355318 Fri, 13 Nov 2015 10:01:32 +0000 mediagirl 2355318@https://boards.hellobee.com/ <p>@Chuckles: interesting, we get a stipend, as well. They actually reduced it last year, though. :crying: So it's cheaper for us to go back onto my company's plan than it would be to stay on private and get the stipend. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up#post-2355309 Fri, 13 Nov 2015 09:56:42 +0000 Mrs D 2355309@https://boards.hellobee.com/ <p>Mine went up $10 a paycheck so I cant complain - its for DD and I (and soon DD2).</p> <p>Last year though it went up $30 a paycheck and I all of the sudden had a deductible...not cool. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up#post-2355256 Fri, 13 Nov 2015 09:25:25 +0000 Alivoo01 2355256@https://boards.hellobee.com/ <p>Amazingly, yes! And our plan is a little better also (lower deductibles, Out of Pocket, co-pays, etc.). Our firm sends out quarterly employee surveys to the firm and 80% of the responders said they were unhappy with our current insurance benefits. Management took this into consideration and adjusted our plan for 2016. </p> https://boards.hellobee.com/topic/is-your-health-insurance-cost-going-up#post-2354922 Thu, 12 Nov 2015 20:40:18 +0000 catomd00 2354922@https://boards.hellobee.com/ <p>No. I work for a hospital that's self funded. It's so amazing, I don't think I'll ever leave just because of the insurance. I have 0 deductible or copays as long as I use our docs and facilities. (There's a $100 copay for<br /> Hospital admission but that's it!) Even if we don't, its still minimal cost. I pay &lt;$150 a month for our family. My old employer I paid over $500 a month for us (and my portion was covered by my employer 100%!) and that was a $4000 deductible plan! </p>