HDHP - deductibles and premiums amounts

[FiguringItOut]

I'd like to get an idea of what people have as deductible and premiums with their HDHP.  I signed up for this type of plan this past Aug for the first time.  And I thought the numbers were high, but from what I see posted around these forums, mine actually seems to be fairly reasonable.

My premiums are $130/month for employee+family, $45/month correction $90/month for employee+children (I will use this next year).  Dental is $140/$90 per month family/children.  And Vision is $18/$8 per month family/children.

The deductible is $3,000 with $5,000 max out of pocket.  20% in network co-insurance after deductible is met.

Employer contributes $2,000 to my HSA. 

By comparison, at my previous job the monthly premium for employee+family was over $800.  And deductible were higher too, but I don't remember specific number.  Understandably, I didn't use that plan and we used my ex-husbands standard plan with FSA account.

[BTDretire]

I'll try to control myself while I write this.
  You have a company plan, I have an individual plan.
Around 2009 I got notice my premium for a BCBS plan for a family of 4 was increasing to $9,900,
or $825 a month. I shopped around and found nothing cheaper, But I did find if I raised my deductible
from $2,500 to $10,000 the premium went from $9,900 to $4,300. I jumped on that, I also open an
HSA and max that every year. So I was very pleased to pay $358 a month for my family of four.
 2010 and 2011, I got a 7.5% increase each year. Then 2012, 19.4% 2013, 21% 2014, 23%.
I'm now payig about $7,800 a year or about $650 a month for a family of 3, (daughter got own policy).
 The 19.4%, 21% and 23% increases were after some Obamacare policies started. I did get a courtesy(?)
call to notify my of the last increase, or was it to try and sell my an an Obamacare policy, that's what it became.
The 2014 price for the Obamacare policy was $13,508 with a $6,500 deductible for me 1ne $6,500 for the rest
of my family. But don't worry there is free money out there to subsidize my premium, the free money is about $7,000. So I could save money if I went on the dole, I mean took the Obamacare subsidy.
   It would be interesting to find that pile of free money.
I wonder what would motivate the Insurance Company to sell me an Obamacare policy. Oh maybe the fact that
instead of $7,800 they would get $13,508 for about the same coverage.
 I didn't do well controlling myself :-) I know many here love Obamacare, but it has cost me around $8,800
so far. And to top it off, the latest news, they may not tax the Cadillac plans of Obama's union buddies.
That was part of the original plan.
 Ok the power just went off, lucky I'm on my laptop. Looks like my public wifi is still up, so, I'll try to send.
    Ready for all the flames about how I don't care about all the poor people who are so helped by Obamacare.
                               Later
 

[jorjor]

I'd like to get an idea of what people have as deductible and premiums with their HDHP.  I signed up for this type of plan this past Aug for the first time.  And I thought the numbers were high, but from what I see posted around these forums, mine actually seems to be fairly reasonable.

My premiums are $130/month for employee+family, $45/month correction $90/month for employee+children (I will use this next year).  Dental is $140/$90 per month family/children.  And Vision is $18/$8 per month family/children.

The deductible is $3,000 with $5,000 max out of pocket.  20% in network co-insurance after deductible is met.

Employer contributes $2,000 to my HSA. 

By comparison, at my previous job the monthly premium for employee+family was over $800.  And deductible were higher too, but I don't remember specific number.  Understandably, I didn't use that plan and we used my ex-husbands standard plan with FSA account.

Employee portion of premium: $10/mo single, $77/mo employee + spouse, $162/mo family
Deductible: $2,600 single/$5,000 family
OOP Max: $3,500 single/$7,000 family
20% coinsurance after the deductible
HSA Employer Contribution: $1,000 single/$2,000 family
Dental: $0 single, $9 employee + spouse, $19 family
Vision: $6 single, $11 employee + spouse, $19 family

There is a $50/mo credit if you opt out completely. We also have an HMO option at the same employee premiums as the HSA and a non-HSA option that is more expensive.

[BTDretire]

Dental is $140/$90 per month family/children.  And Vision is $18/$8 per month family/children.

 I'm curious, do you really mean $140 Month for the family. $1,680 per year.
Is there a copay? How many kids? Is that cost effective?
 Just seems high.

[HPstache]

"Family" HDHP Numbers for me:

$189/mo

Deductible (ind/fam): $2,000 / $4,000
Max OOP (ind/fam): $5,000 / $10,000
Coinsurance: 20%
Company Contribution: $1,000/year

[RangerOne]

I'll try to control myself while I write this.
  You have a company plan, I have an individual plan.
Around 2009 I got notice my premium for a BCBS plan for a family of 4 was increasing to $9,900,
or $825 a month. I shopped around and found nothing cheaper, But I did find if I raised my deductible
from $2,500 to $10,000 the premium went from $9,900 to $4,300. I jumped on that, I also open an
HSA and max that every year. So I was very pleased to pay $358 a month for my family of four.
 2010 and 2011, I got a 7.5% increase each year. Then 2012, 19.4% 2013, 21% 2014, 23%.
I'm now payig about $7,800 a year or about $650 a month for a family of 3, (daughter got own policy).
 The 19.4%, 21% and 23% increases were after some Obamacare policies started. I did get a courtesy(?)
call to notify my of the last increase, or was it to try and sell my an an Obamacare policy, that's what it became.
The 2014 price for the Obamacare policy was $13,508 with a $6,500 deductible for me 1ne $6,500 for the rest
of my family. But don't worry there is free money out there to subsidize my premium, the free money is about $7,000. So I could save money if I went on the dole, I mean took the Obamacare subsidy.
   It would be interesting to find that pile of free money.
I wonder what would motivate the Insurance Company to sell me an Obamacare policy. Oh maybe the fact that
instead of $7,800 they would get $13,508 for about the same coverage.
 I didn't do well controlling myself :-) I know many here love Obamacare, but it has cost me around $8,800
so far. And to top it off, the latest news, they may not tax the Cadillac plans of Obama's union buddies.
That was part of the original plan.
 Ok the power just went off, lucky I'm on my laptop. Looks like my public wifi is still up, so, I'll try to send.
    Ready for all the flames about how I don't care about all the poor people who are so helped by Obamacare.
                               Later

Well to be fair its hard to care about anyone else when you are getting slammed with costs like that...

The ACA seems to have hurt one population primarily, those having to pay for their own plans that make a "high income". I put that in quotes because the subsidies disappear pretty quickly and depending on where you live monthly costs in the range of $800 dollars per month are wildly high.

In reality not much has changed, the only way to get "affordable" health care is either to be poor, or work for a large company that provides subsidized health.

I think there are portions of the ACA that are improvements but the false promise that it would make health cheaper for everyone is a punch in the gut to many. They need to find more creative ways, even with the new laws, to drive insurance costs down for those out of reach of subsidies.

Part of me would also like to see a single payer system, but I think there is a good chance that would mean the quality of care I have currently have access to would go down since I am one of the lucky people who has good insurance through the workplace.

[Freedom2016]

We live in the same world as Qmavam.

Individual policy, purchased on the state exchange: $810/mo premium for family plan, with $4000 deductible. I had surgery this year, and any sick visit for the kids hit the deductible first, so this year we will have spent almost $14,000 out of pocket for health care.

I try to bite my tongue on criticizing Obamacare, as I am generally in favor of what it's trying to accomplish. But, plainly speaking, it sucks ass to be subsidizing others to this extent.

[Altons Bobs]

$852/month for a family of 3, $5,000/person deductible ($15k for our family), $6050/person Out of Pocket max ($18,150 OOP max for our family).

[FiguringItOut]

Dental is $140/$90 per month family/children.  And Vision is $18/$8 per month family/children.

 I'm curious, do you really mean $140 Month for the family. $1,680 per year.
Is there a copay? How many kids? Is that cost effective?
 Just seems high.

I agree, it is high.  Dental is $140/month for employee+family.  I am only this plan since Aug and starting Jan 2016 will switch to $71/month employee+children ($1092 per year).

I am still trying to crunch numbers on whether or not this is a decent deal.  My two kids have good teeth. I am the one with problems and crappy teeth. 

The coverage is as follows:  $150 deductible for family, preventive and diagnostic 100% covered with waived deductible, basic treatment covered at 90%, major treatment covered at 60%. 

My kids will need two cleanings each and hopefully that's it.  I will need at least two cleanings.  But I also have a lot of cavities and crowns.  I may very well need a crown replaced next year.  I have one that's been sort of iffy on the xrays last two years, so it can go at any time.  A crown alone will run around $1,200 with no coverage.  Plus 6 cleanings for us including xrays.   

Still have time to decide for next year before open enrollment starts.

[Mr Fixit]

Dental is $25/month for family coverage. $50 family deductible, $1500 per person max benefit.  Covers 100% of preventative stuff(cleanings, flouride, x-rays, etc)
Dental is $5 a month for single coverage, $17 for member/spouse

Two options for medical, family coverage(includes vision).  The basic idea is that there is a plan with a higher monthly cost and lower deductible and one with a lower monthly cost and a higher deductible.

$280/month - $2900 combined family deductible, then pays 80/20 until you hit the max out of pocket of $5400.
$220/month - $4700 combined family deductible, then pays 90/10 until you hit the max out of pocket of $5800

If you have high medical expenses($10000+) they work out to basically the same cost for the year.

Prices for single coverage are $65 and $48. Deductibles/max out of pocket is $1450/$2700 and $2350/$2900
Price for member/spouse are $186 and $160.  Same as family deductible

Both medical options have an HSA, which the company contributes $1300 to at the beginning of the year($650 for single coverage).

Premiums are unchanged from 2015 to 2016.  Deductibles and out of pocket max went up slightly.

[HPstache]

Shouldn't most of the dental visits and problems be able to be paid for with HSA funds?  Why would anyone want HDHP + HSA and dental insurance in addition?

[FiguringItOut]

Shouldn't most of the dental visits and problems be able to be paid for with HSA funds?  Why would anyone want HDHP + HSA and dental insurance in addition?

Based on my calculations, it does seem to make sense for me to carry dental insurance.  My dental premiums for 2016 to cover myself and my children will be $86/month or $1032/year.
Between the 3 of us we will need at least 6 cleanings and I will need at least 1 set of xrays.  Cleanings can run up to $150 each or $900 for the year, plus my xrays.  All cleanings and xrays are included in my dental coverage.  If I pay out of pocket, only these things will basically be equal to my annual premiums.  Any work I would need (this is an almost certainty as I have bad teeth) will be out of pocket on top of those costs.  My insurance covers 90% of basic treatment (i.e. cavities) and 60% of major treatment (i.e. crowns, etc). 
All in all, it will be either a wash for me or I will do better with this insurance. 

[regulator]

Family of 4 HMO exchange policy.  Monthly premiums of $604, deductible of $10k, max OOP is 11 or 12k.  Thankfully we squeaked by this year without needing any care.  Next year is looking like a lower income year so we will likely qualify for premium subsidy and cost sharing.