<p>:)</p>
<p>Then I wouldnt worry too much. :)</p>
<p>Does your company by stop loss insurance?</p>
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<p>I would not make that assumption. </p>
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<p>That is one big factor. Back when I was hanging with our company’s actuaries, it was amazing (at least to me) the claims difference between a single adult and a married adult of the same age. 1 adult +1 adult does not equal 2 adults in the claims processing, unless they are single males. The main difference was maternity.</p>
<p>I have no idea how they cover risk. </p>
<p>All I know is that the company says NO ONE will be able to get a subsidy based on the 9.5% income to cost rule and we are ACA compliant.</p>
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<p>I said this before. Correct me if I am wrong. Maternity care may be expensive but on the average we are pregnant only one year in our life time two kids per family or one kid per adult. One time cost may be high but it is spread over the life time. We pay for the insurance for about 65 years. The serious expensive illness? There can’t be too many cases if you look at the rate for catastrophic insurance.</p>
<p>You dont have to say is you dont want to…</p>
<p>The box on your w2 that days dd is your healthcare premium costs provided by your employer and yourself. </p>
<p>Is that number around 5,000 per adult and 3000 per kid a year?</p>
<p>you are correct for a lifetime igloo, but you are forgetting that employers don’t cover SAHM’s, so their exposure is not 65 years. Regardless, gender pricing has been eliminated by ACA.</p>
<p>No family coverages? Is that a norm now? Ours cover the family. It always has.</p>
<p>dstark - is that for me? I have mentioned in the past that my coverage was listed at over 5500 for me alone. I think I am picking up about 20%.</p>
<p>Yes… That was for you texaspg.</p>
<p>You dont have a family plan?</p>
<p>“Blame politicians. They were the ones neglecting their job; take info from lobbyists and apply it for the good of the nation not the industry lobbying.”</p>
<p>Very true, but I’d go a step further and blame the voters (and non-voter citizens), too. We are supposed to be a check on this sort of thing. We the people don’t always hold up our end.</p>
<p>rest of the family is on my spouse’s plan.</p>
<p>Most young people still think Obamacare is free so it’s probably not realistic to expect voters to be able to make sense of this minutia when even elected officials are either confused on obscuring the facts.</p>
<p>texaspg, I think you are younger than me. I dont see a lot of premium savings in your plan
So… The deductibles are low?</p>
<p>Could you have coverage under your spouse’s plan if you wanted? (I am not saying your spouse’s plan is better). I just am curious if you could get coverage under your spouse’s plan?</p>
<p>Romani’s deductible, btw, if a silver bcbs “94” plan for those earning between 138%-200% poverty level, should be about $175 or less per individual, with an actuary split of 90/10 and a OOP max of $325 I think, though this goes up quickly to 1800 for a family in the 87 rating if between 150% and 200% poverty level.</p>
<p>Forget who asked, but in effect, it is confusing on the exchange to know your deductible outright because it is scaled to your income on the 73/87/94 plans in cases where you/your family size is up to 250%, which entitles additional cost-sharing of deductibles and OOP maxes. Those plans all “show” on the exchange as “SILVER” – which technically has a different deductible and OOP max for each level of subsidy/cost sharing.</p>
<p>I doubt my son could tell you at this moment what his deductible is either, had I not told him to save $300 cash to offset his prescription costs for the first few months of the year and ultimately his OOP max since he will need a follow up mri this year – Just sayin’ ;)</p>
<p>Hanna, imo blaming politicians is an act of a voter as much as voting itself. I am a non-voter at times. I claim I have two votes, one for and against. When I vote against, it cost them two votes, my own and someone else’s.</p>
<p>Well… My daughter works in the health insurance industry and she doesnt know how much her premiums are or the company’s share of the premiums. :)</p>
<p>The deductible is very low. That she knows. :)</p>
<p>“you are correct for a lifetime igloo, but you are forgetting that employers don’t cover SAHM’s, so their exposure is not 65 years.”</p>
<p>Eh? </p>
<p>I’m a SAHM and I’m covered. Not only while my H is working but after he retires, too. After 65 medicare will be the primary but the secondary will be through his work, for both of us. It likely won’t cost us much either, as the dollar amount of all accrued sick days H has will be applied to that premium - and he hasn’t taken a sick day in 24 years.</p>
<p>"Could you have coverage under your spouse’s plan if you wanted? (I am not saying your spouse’s plan is better). I just am curious if you could get coverage under your spouse’s plan? "</p>
<p>I think I can but never looked into it. I have been with one company for a long time while spouse tried various types of work although always employed. Suffice it to say our company required us to sign a waiver stating spouse does not work / can not get coverage despite working for a few years in order not to pay surcharge for my spouse while family was under my plan. Don’t know what is now but surcharge was close to 700/yr, effectively discouraging people from insuring working spouses.</p>
<p>Texaspg, interesting to me. Thanks.</p>
<p>Concentration of Health Care Spending in the US, 2010:</p>
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<p>Those are averages. They are averages of nothing much, nothing much, nothing much, nothing much, nothing much, $60K childbirth, nothing much, nothing much, nothing much, nothing much, monthly allergy shots, nothing much, nothing much, nothing much, nothing much, $150K heart attack… In other words, they are averages of a lot of people with not many expenses, some with medium expenses and a few with big expenses.</p>
<p>Health care spending each year is concentrated on a small proportion of people. From Kaiser: </p>
<p>[Concentration</a> of Health Care Spending in the U.S. Population, 2010 | The Henry J. Kaiser Family Foundation](<a href=“http://kff.org/health-costs/slide/concentration-of-health-care-spending-in-the-u-s-population-2010/]Concentration”>Concentration of Health Care Spending in the U.S. Population, 2010 | KFF)</p>
<p>Notice that 65% of the spending goes to 10% of the individuals. The above graph includes seniors, so the dollar amounts are higher, but exactly the same distribution is seen for insured people under 65:</p>
<p><a href=“Powering Healthcare with Connected Intelligence - IQVIA”>http://www.imshealth.com/deployedfiles/ims/Global/Content/Insights/IMS%20Institute%20for%20Healthcare%20Informatics/Healthcare%20Spending/IHII_Spending_Report.pdf</a>
(scroll to page seven)</p>
<p>Even among insured people, half have almost no health care expenses. If you’re among that happy 50%, thank your lucky stars and hope your good fortune continues. And know that one hospitalization boosts you right into the expensive 10%.</p>