<p>I just found out that the dependant medical insurance I get for my son (18) and my husband (56) through my employer is going up $100 a month to a total of $15,000 a year out of my pocket. I’m in Northern California and the insurer is PacifiCare. Does anyone have any suggestions for more affordable, decent coverage? Thanks much.</p>
<p>Kaiser in NoCal gets excellent reviews from Consumer Reports and US News.</p>
<p>And you have inexpensive group insurance?</p>
<p>Group insurance mandates that the employee MUST be enrolled in the plan. You may or may not be able to chose your insurance company but you want cannot opt-out or change the benefits other than maybe the deductible. </p>
<p>You son is able to find better pricing if he is off your group: 1) good health 2) DS has the money to absorb deducibles.</p>
<p>Customer surveys for Medical Ins has inherent problems. Those clients who had bad experiences, are 1) no longer covered 2) moved to another insurer.</p>