Medical Insurance 2019

[rosarugosa]

I am fortunate to have retiree medical and dental benefits from my former employer. The price tag is pretty steep at $994 per month to cover the two of us, but coverage is good (e.g. PPO plan that lets us treat most anywhere, $600 deductible per person, $3000 out of pocket max per person, preventative care fully covered). I was waiting anxiously to see how much premiums would be going up in 2019, and they are actually going down $75. per month. Talk about an unexpected pleasure. Is anyone else seeing something similar?

[Yppej]

Mine through my employer stayed the same for the second annual enrollment in a row, which I had attributed to employer generosity. Maybe not though. Quite refreshing from my previous job which was always reducing benefits and/or raising costs.

[Tradd]

Mine at work (traditional PPO) only went up about $3.

[dado potato]

My premium for a Medicare Supplement Plan will be 8% higher a year from now. I believe that is mainly due to a program of charging higher rates for people each year they grow older.

[jp1]

My employer provided high deductible plan has stayed the same two years in a row. Both my share and theirs.

[ApatheticNoMore]

NO. Premiums going UP UP UP and away! So I'm on a private silver plan (because it was cheaper than the ACA last year, which got all screwed up with extra fees due to Trump etc.. Well what else am I to do even when I work I'm just lowly contractor with no benefits). But it's going up like 18%. Read it and weep. So I can look at ACA plans but they are going up maybe 8%-9% on average here (so says the newspaper). It's really getting completely unaffordable. There's insurance through the contracting agency but that's the same price as the private plan AND high deductible (it's a really bad deal it seems). My contractor coworker said he had to go without health insurance for awhile as he couldn't afford it. Yea well that's understandable.

[Lainey]

My ACA monthly premium increased from $227 to $305 for a Silver plan. Of course, that's only my part of the payment - full cost would be just over $1,000 but fortunately I qualify for federal subsidy. It's a $7,000 deductible with decent co-pays for doctor and ER visit. Don't need a referral to see a specialist as long as its in network. I like my doctor and she's located in a brand-new facility.

Don't know how this will all change when I am eligible for Medicare in 2020.

[catherine]

I'm just thrilled that in 2019 both DH and I will be on Medicare (I've been on it for a year and a half). We'll be going from a healthcare insurance price tag annually of $19,200 to $3000.

[iris lilies]

We dont pay monthly premiums on our ACA plan, so I dont know what the actual cost to us will be. That will be recnciled at tax time in April 2020, just like I do not really know how much we will be paying toward health insurance this year until April 2019.

edited to add clarification: I should to make it clear that our premiums are $0 each month but that is based on the income I have estimated and reconciliation comes at tax time.

[Gardnr]

No premium change from last year. I have an $1500 deductible plan with 80/20 after that. The prescription portion is quite limited but excellent pricing negotiated. I'm happy.