|
I have a similarly crappy plan. And I think it costs more.
For family coverage (two adults and two kids in my case) my employer pays $1,438 per month, and I pay $406 per month. There is a huge deductible for each patient, so the plan includes a pre-tax health savings account. I contribute $300 per month to that account and wind up spending about all of it.
So that's a total of $2,144 for four people or $536 per person per month. We are all basically healthy, and insurance has paid for almost nothing. My wife had the OK kind of skin cancer on her forehead and had to get surgery in each of the last two years. Insurance didn't do anything for us except negotiate a lower cost of that surgery, and then we paid the bills out of the HSA since the deductible hadn't been met.
It would be cool if Trump's $12 health insurance for a 21 year old was a real thing. His fantasy world sounds like a nice place.
Bottom line is I think our family has received about $3,000 in health care in the last year but between my employer and me we have paid $25,728 for it.
|