I used to have a 12k deductible because Obamacare plans are literally not even risk-reward.
Like, there was not any advantage to a lower deductible - it was always more expensive, no matter how much care you needed. The lower deductible plans just made you pay money no matter what, and maxing both plans out was nearly exactly the same amount of money. Insane.
Now that I'm on employer-based health insurance, I actually save money if I spend more up front and end up needing care.
Your employer likely pays some of the premium too. I pay about $200 and my work covers $400(!!!) more per month. My co-pays are like $45, meds are $100+ a month still. I fucking hate health insurance.
Average cost of health insurance: $388 per person per month
Average cost of heating: $150 per month
Gasoline, not even fucking on here: $50-200
Average rent in West Virginia, the cheapest state: $800
Oops thats an extra 788 to 938 dollars.
OOPS.
Hope your first, second, and third job don't try to schedule you at the same time lmao
And that $388 health insurance comes with a $6K deductible. Better not need any medical care!
Don’t worry! You company probably gives you $50 a month for your HSA!!!
I used to have a 12k deductible because Obamacare plans are literally not even risk-reward.
Like, there was not any advantage to a lower deductible - it was always more expensive, no matter how much care you needed. The lower deductible plans just made you pay money no matter what, and maxing both plans out was nearly exactly the same amount of money. Insane.
Now that I'm on employer-based health insurance, I actually save money if I spend more up front and end up needing care.
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Your employer likely pays some of the premium too. I pay about $200 and my work covers $400(!!!) more per month. My co-pays are like $45, meds are $100+ a month still. I fucking hate health insurance.