How Much Do You Pay for Healthcare?

Per month.

None of your business, bot.

Honestly DL. my Healthcare& the Childrens was written into my Divorce agreement. My ex-wife paid for everything (child support every month for 6 kids until 23 yrs old, divorce settlement for me-very nice settlement). Will the bot be Happy with that information???

I'm on Medicare Advantage but not on Social Security, so I pay $170 a month.

I pay 45 per pay period, every other week for medical. it's decent but not top of the line medical.

Over $1,300 per month.

In January it goes up to over $1,500 a month

- just for me

I'm covered by my wife's policy. Our premium is $600 per month and we receive great care but the prescription benefits are mediocre. I take an expensive biologic that would be unaffordable without a patchwork of copay assistance programs offsetting the cost.

$730/month in 2022, $816/mo in 2023, for the privilege of having a $9,100 deductible.

$0.00....but then I'm Canadian. Sorry OP, I just couldn't resist!

Top-rated HMO: $120/mo. Co-pays are $15 for an office visit; $25 for a specialist office visit; $100 per emergency department visit (waived if admitted during same visit); $50 for an ambulance to member hospital; maximum $30 for 90-day prescriptions (on-patent medications, less for generics). No deductibles.

All in all, a good deal. (I pay 20%, my employer pays 80%.)

Dental and vision are separate and cheap, subject to maximum benefits each year.

About $350 a month. It includes Dental, vision, Medicare and supplemental which includes prescription drugs. But I have co-pays for everything including doctor's visits. And my Dental is almost worthless. Right now I'm dealing with $870 in dental bills out of pocket and I also have to pay out of pocket for medical tests. They only cover part of it.

Nothing. I'm in an excellent health care workers union, which might go on strike in January.

r6, you must be rich.

$390 a month. It’s eating me alive.

Jesus Christ reading some of this is depressing. Thank God I live in the UK.

R13- I'm not rich. I'm affluent yes. I have the Platinum plan.

r16, I would love to be as not rich as you.

R17- Why?

So you could afford to overpay on your health insurance.

Almost $600/month (I'm 51 yo). I make too much in investment income to get the subsidy and my deductible is $9K. RIP-OFF. Thanks health insurance companies!

I have VERY low deductibles but VERY high monthly payments.

$95 USD/month premium. $300 USD/year deductible. $2,500 USD/year out-of-pocket maximum

Why do I pay A HELL of a lot more monthly than everyone else on this thread.

$200/mo.

$2000 deductible.

People are treating “healthcare” and “insurance” as synonymous. They’re not. I pay $110 a month for insurance. In 2022, I spent a total of $658 for healthcare, all of which is below the insurance deductible.

I just bought tooth whitener strips on sale for $7.99 and cold/flu tabs for $10.99 - I’m not doing math.

If the people with the high premiums would get a real job with employer sponsored health insurance, they could be on the low end of premiums also.

Medicare age …Anthem Blue Cross CA, 2,000 deductible per calendar year, or is it 3,000? $150 a month, no drug coverage…Office visits $35, but fr some reason they don’t cover the whole visit, and I must pay an extra 11 bucks.. Also no coverage on shingles shot, pneumovax, or tetanus/diphtheria shots.

R26- I'm real estate broker. I pay for my own health insurance.

R26 Not always... Except for my first job out of college, I've always worked for small companies. Ironically it was the worst hours/worst job/worst pay I've had, but the best and most affordable health insurance I've had. But that's because it was a large national company. Small employers simply can't afford to offer cheap options like the larger companies can.

About $600/ month total for me, spouse, step kids. But it’s unbelievably good coverage. Covers everything including therapy—BCBS about only insurer that covers 80% of therapy.

r30 wasn't parity between physical and behavioral health benefits part of Obamacare?

R31– not sure! But it should be for all insurers.

$60/week via work (I "only" pay 35%).

What really sucks is that we can't write off our dildoes and butt plugs as a valid expense. It's prostate stimulation after all.

For very good family coverage provided by large employer, I have $372 deducted per pay period, or $744 per month/almost $9k per year. I make a pretty good salary, but have just recently realized how expensive this is.

[quote] I'm not rich. I'm affluent yes

What does that mean?

r22, what was your unadjusted gross income for 2021?

r36, it means he's a Log cabinette.

I chose early retirement from the County, & pay 0. My dr visits are $10 & prescriptions are $5.

When I started work we were vested w/benefits after 8 yrs, it had previously been 5. Then it went to 10, then 12, now it’s 15. I was vested in 2006 but had to work 14 more yrs to hit the minimum retirement age. Previously you could work your 5 or 8 yrs, leave, & still get retiree benefits, but that changed in 2010. I’m very grateful for the benefits we have.

My mother recently had surgery & suffered some complications (she’s a County retiree w/the 5-yr vesting). Her 5-day ICU stay was like $200,000 & she had to pay……$100. I had to pay the $10 fee the day she was admitted, & they were hounding me on day 2 of her stay for the other $90. I mean,seriously.

[quote] I chose early retirement from the County

The County?

County govt

$35, four times per month.

I pay about $145 a month through the Obamacare exchange. My subsidy is $450. I get extra deductions in costs due to low income and having a Silver level plan so my deductible is only $500 with a $3000 out of pocket maximum for the year. I've been on the exchange for the entire time it has existed and, with my prior super high deductibles, I've never used anything that the insurance companies had to pay for.

These insurance companies are making so much money from all of us to give us the most confusing healthcare system in the fucking world. All could be solved in five minutes by giving everyone Medicare and forcing dentists to participate in health insurance. We'd be the shining example of health for the world but, ya know, Repugs.

I pay $950 a month for myself for COBRA coverage. Expensive but good co verage. In a year will go up to about $1,100 a month for much worse coverage.......

I mean honestly, a fuckton. I'm a retired federal employee and I guess I'm lucky to have health/dental/LTC insurance but I pay thousands of dollars a month for the privilege. .

[quote] How Much Do You Pay for Healthcare?

Too much, way too much for sub par care.

R9 Have they offered to help euthanize you yet?

Jesus Christ! I'm Australian and reading this is really difficult.

Beyond comprehension that Americans have to pay such exorbitant fees for a basic right to healthcare. It's so alien to me. Every time I see threads like this I realise how lucky we are in countries with socialised medical systems.

41, healthy, live in CA, and pay $690/month for private health insurance. I've dealt with Obabma Care/Covered California and it was a complete disaster. I vowed that I would only pay for private insurance at the expense of other things. I have ADHD and need meds. It's worth paying for the best.

It's under $100 a month for medical, dental, vision on a High-Deductible ($1500) plus company pays $750 a year into an HSA. The coverage otherwise is decent - I wouldn't be able to buy it after COBRA in my area for any amount of money.

I work for a Fortune 50 company and I pay $47 twice a month through payroll deduction for single coverage. It’s a 70/30% split, with my employer paying 70% of the cost and me the other 30% - the $47. It’s with BCBS of IL and comes with a $3250 deductible and a $6000 maximum out of pocket limit. It’s decent coverage, but Rx drugs are part of the deductible, so I routinely pay out of pocket for them, since I don’t incur more than the deductible in total costs. At least an annual physical is covered at 100% with no cost to me. Which I appreciate, since my Dr. Is a hottie who is a bit ‘handsy’.

And the irony is that it's cheaper R43. America has the most expensive healthcare system on the planet with some of the worst outcomes.

I'm not making that up either. All the countries which are rated the top healthcare systems are public healthcare systems.

The USA is rated #30 as at 2021. But the USA spends the most on it per capita.

Check the link:

In 2019 when I still lived in the U.S., it was $1380/mo in premiums which included my partner. Deductible was $1500 each with doctors from a large HMO network, plus pharmacy deductible of the $1800 each; plus co-pays of $25 and $50 for doctors visits and prescriptions.

The above was a shift to a second-tier plan. The years previous had a top-tier plan with monthly premium of $1860 with doctors of my choice, and deductibles of $1000 each and pharmacy deducible of the same amount each, and co-pays as above

I did not have a large income. Lesser plans were available from as little as about $800-something in premiums per month, but with high out-of-pocket % expenses for Rx and any visits and services and diagnostics. But....well-baby programs and ask-a-nurse phone questions were free! (Huzzah)

Oh Americans always whining about their terrible healthcare system. Try to live on a third world country where ppl have one out of two options: 1) Pay an exorbitant plan through employer 2) Use the public health system and wait for 3 years for something as simple as an ultrasound.

I understand US has a higher monthly premium compared to others but it always baffles me how much Americans spend their time and energy complaining about their nonsense grievances. We have access to some of the best doctors and facilities compared to most of ppl in the planet.

In which country do you have to wait 3 years for an ultrasound R54?

Brazil. Public healthcare is called SUS and a number of folks in my circle who are unemployed still go through it. It was like this 40 years ago when I used to live there, a family friend is waiting for a knee replacement for 4 years. Another one would wait 1 year for cancer removal surgery but the son loaned $ to pay for it.

You're describing it as it was 40 years ago, R56??

Doesn't sound true R54/R56.

Sounds completely made up to drive an agenda.

R58 is triggered

Not at all R59. Your posts just sound like made up horsehit is all.

I'm on Obamacare and pay about $200 a month for me alone, but luckily my boss provides $300 monthly stipends so it comes out to zero with a small surplus for medicine. The downside is my deductible is high, as is emergency care. But I figure if anything that catastrophic happens, I'm going to go bankrupt anyway.

[quote]But I figure if anything that catastrophic happens, I'm going to go bankrupt anyway.

How is this any way to live?

I'm on COBRA which expires May 2023. It will be $815.00 starting January up from $788.00 this year. When I check online the plans are much higher with a higher deductible. I'm considering going without insurance at least until the end of 2023.

R37- $150,000

R37- $150,000

I work for a large financial firm. They cover 100%. I pay a $15 copay for office visits. Dental and vision is also included + life insurance.

If you’re a white collar worker at a large corporation the healthcare benefits are usually excellent. Most pay 80% or more.

[quote]Why do I pay A HELL of a lot more monthly than everyone else on this thread.

Because you're self employed (as am I). I have a bronze ACA plan, so I pay considerably less than you with your platinum one. The downside for me is that nothing is covered until I reach my $9,100 deductible. (Well, I do get a "free" annual physical that the doctor still manages to bill me $300 for.) Between the deductible and my premiums, I have to pay $19,000 before anything gets covered if I have a major medical incident.

I'm lucky that I can afford it, though I'm not rich by any means. You have to pay the full ride with Obamacare -- no subsidies -- if you make above $57,000.

R67- I still receive bills weeks after seeing a doctor. My copay is $30 for a primary care physician. The billing person is very aggressive on the phone. I have to work pretty hard to get them to drop their false charge.

It's all rather convoluted, but in a nutshell I pay zero for my healthcare costs. No premium or doctor/hospital costs. My healthcare is provided by a huge insurance fund set up by my former company for those of us who retired after at least 30 years.

I think it ends up being maybe $30 a month, my employer (health insurance company) only offers shitty high deductible plans. So if nothing goes wrong, I pay for nothing aside from my monthly premiums, my annual visit is done at no cost. If I get sick or worse, I pay it all up to $3500, and a percentage that varies afterward.

The problem with Obamacare and similar plans is not the monthly fee (though it is often very high), it's the deductibles which, as noted in this thread, can be as high as $9K/year.

That's not an amount of money most Americans have available and so it likely goes on credit cards or just doesn't get handled at all.

My dog, OTOH, has an incredible health care plan that costs around $50/month with a $500 deductible and when I submit a bill (online) the 80% that insurance pays for is direct deposited in my account in about two or three days. They are also easy to get on the phone and very responsive overall.

I've asked, and unfortunately they will not insure humans.

$1200/month. I’m shocked how little most of you pay. 53 NY Obamacare. And it’s an HMO. The biggest expense I have. It almost makes me think about going back to corporate America - but I think I’d rather die than live that life again. I won’t go without. Even though I spend over $15k/year for health care with insurance, it’s still less than 1/2 of the costs I incur for medical expenses. It’s insane - but I remember until 15 years ago, you could NOT even get insurance if you didn’t get it through a job.

I'm retired but chose not to get Medicare Part B because I have lifetime coverage from my former employer. I pay around $220/mo for my HMO coverage.

Those of you just listing payroll deductions, do you never actually see a doctor? Do you have a deductible? How much is your copay? How much is it to see a specialist? Do you pay for prescriptions? Have you ever needed surgery, given birth, or required physical therapy? Have you ever needed an ambulance? If you've ever done any of these things, you'd know that the "mystery bill" that arrives soon after treatment (and after co-pays, and not included in deductibles) is yet another hidden cost. The cost of healthcare in the US is a lot more than just what you pay for your "plan." Many of us are paying thousands per year out of pocket for routine healthcare, and that's after paying for a "plan" that often covers very little.

Original Medicare-$164.90/month starting in January. Part D Prescription-$5.10/month in January. I also have Medicaid which picks up everything that the other two do not except the premiums. Since I got Medicaid in Jan. 2019 I have paid less than $100 for prescriptions not covered. I have not paid once cent to any provider since 2018. I have Rheumatoid Arthritis and take Humira injections weekly. Abbvie is giving it to me free of charge.

Medicare IS socialized medicine. It is an amazing gift when you hit 65. Suddenly instead of paying $1500/month, you pay <$200. Insane that so many over 65 refuse this to younger people. Twisted but such is American politics.

HMOs generally have no deductibles, just co-pays. And out-of-pocket limits. I think my co-pays are $15 for my PCP and $25 for a specialist. Most generic prescriptions are $10 for a 100-day supply; some are higher; some are free (statins.)

[quote] We'd be the shining example of health for the world but, ya know, Repugs.

Lol @ still not realizing the whole Washington Uniparty are big business and insurance company shills.

R76 the entire guiding philosophy of the Boomer generation is screwing over young people as long as they get theirs.

R79, you sound like a Republican looking for an "enemy".

Sad.

Terminology has shifted R77

Not sure what the type of plan you have is called but you can only see doctors in the system.

Most plans have "in network" and "out of network" and "in-network" has a co-pay for routine things. It's when you get to bigger ticket items like surgery that the deductible kicks in-- you are only reimbursed 80% or 50% (depends on the plan) of the total costs even if the doctors and hospital are "in network" and that's where people wind up owing thousands they don't have.

MEDICARE 4 ALL!

r81 I have a traditional HMO. You can ONLY see doctors in the system (except in an emergency.) Anything else-- you pay full price.

I live in Las Vegas and the Las Vegas valley is a small urban island in the middle of the SW desert.

Most all specialists are linked into ALL the HMOs. All hospitals are preferred providers. Practically all providers are in system for all the HMOs.

And when I was growing up, pre Nixon fucking up the healthcare industries with HMOs, I went to the same clinics and hospitals forever.

My clinic is now my HMO, Southwest Medical. I have been going to SMA since 1979.

It is all under a United Health Care Umbrella.

R72- Finally someone who pays almost as much as I do monthly for health insurance.

My employer offers a few different plans to choose from. One is completely covered by them but it's an HM0. They offer PPO's in the Gold, Silver and Bronze coverage options. I pay $40 per month for the silver, but I have a $8500 per year out of pocket and a $500 deductible. I got cancer this year and, for the first time ever in my life, I met my out of pocket which means I had to pay $9000 for my cancer treatment and that money came out of my savings. I'm still paying off some of the bills. I'm going to upgrade to the gold when we have open enrollment because I can't afford to keep going into debt with medical shit.

I'm in CA and I have Blue Shield.

As a member of IATSE my healthcare is 100% covered by my employer and it cost me $300.00 a year to cover my husband.

No one is surprised that people worry about losing their job because it means losing their salary, but a lot of people I think are surprised to learn that many people fear it also because it means losing their health insurance.

3800.00 every month, sucks getting old.

Nothing, I'm disabled due to HIV, and on Medicare medicaid, the federal government and state pay for my care, last year just my meds were 42k, this year I had cancer treatment so that will a lot bigger now.

I said upthread I am paying $690 for insurance at 41. Since I work for myself and my salary can fluctuate, Obamacare is not a safe option. With that said, I use the hell out of my insurance. I see a shrink once a week, I get my physical, if I have the sniffles or whatever, I just call the MD. I think my deductible is like 10K, but my play allows for cheap co-pays for MD visits, prescriptions, etc. I got upsold some other plan for 50/month that covers the deductible if god forbid it's met. I am on my own without a familial safety net and I am obsessed with good insurance.

[quote]I got upsold some other plan for 50/month that covers the deductible if god forbid it's met.

What does this mean? Everything you pay, except premiums, goes toward your deductible. Are you saying you bought a plan that if you end up paying the $10,000 deductible over the course of the year it then pays it back to you?

I'm saying that the co-pays for MD visits, the therapist, prescriptions are $30, even though there is a deductible of 10K. Not much goes to the deductible. The $50 supplement plan is if I got seriously ill and maxed out the deductible, the supplement will automatically pay out the 10K so I am not in (more) debt.

[quote]No one is surprised that people worry about losing their job because it means losing their salary, but a lot of people I think are surprised to learn that many people fear it also because it means losing their health insurance.

Even holding on to a job, and with it insurance has the consequence for most of determining when they can/can't retire. It seems Obamacare has helped in that respect for some, but many U.S. workers have to lay low and dodge "restructurings" that target older employees and other ways of firing workers before they have the security of uninterrupted health insurance. It's a lucky few who have much choice about when they can retire.

[quote]Since I work for myself and my salary can fluctuate, Obamacare is not a safe option

Just don't take any subsidy up front and if it turns out at the end of the year that your income qualifies you for one, you'll get a tax benefit reflecting it.

When the Republicans took over, they eliminated the Obamacare penalty for not having insurance ("minimum essential coverage.") California reinstated the penalty at the state level. Have any other states done that?

My dad is in a hospital right now. He has been sick for a week. The cost: 0. Hospital stays, surgeries etc are free here. Well, not exactly... we pay for it through our taxes, and our taxes are high... like 25-30 %.