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rosarugosa
11-20-18, 7:56pm
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
11-20-18, 8:14pm
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
11-20-18, 9:47pm
Mine at work (traditional PPO) only went up about $3.
dado potato
11-20-18, 11:08pm
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
11-20-18, 11:58pm
My employer provided high deductible plan has stayed the same two years in a row. Both my share and theirs.
ApatheticNoMore
11-21-18, 12:28am
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
11-21-18, 11:06am
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
11-21-18, 11:20am
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
11-21-18, 1:24pm
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
11-21-18, 8:28pm
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.
Simplemind
11-21-18, 11:21pm
My little silver plan just went up to $980 a month. Never thought I would look forward to turning 65.
iris lilies
11-22-18, 1:18am
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.
That is a HUGE reduction!
iris lilies
11-22-18, 1:19am
My little silver plan just went up to $980 a month. Never thought I would look forward to turning 65.
Is this $980 just for you? Are you not getting subsidies?
Gardnr
11-22-18, 7:46am
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.

Your total OOP for both of you is $3000? That's lower than the 2019 premium for Part A/B. Then part D is on top of that. Do share how you got it under $3000.
Simplemind
11-22-18, 4:48pm
IL, yes that is just for me and no subsidies.
iris lilies
11-22-18, 5:18pm
IL, yes that is just for me and no subsidies.
Somehow I thought you re retired. That seems super high for an ACA plan. Perhaps your retirement income is super healthy.
Simplemind
11-22-18, 9:27pm
Not an ACA plan, it is Providence. I am retired and I wouldn't say the income is too healthy (for me) but it is too healthy for that. I'm thankful that we retired with no debt because insurance eats a chunk. I'll just call it an even 1K with dental and vision.
iris lilies
11-22-18, 11:25pm
Not an ACA plan, it is Providence. I am retired and I wouldn't say the income is too healthy (for me) but it is too healthy for that. I'm thankful that we retired with no debt because insurance eats a chunk. I'll just call it an even 1K with dental and vision.

oh, ok! I didnt realize the nomenclature of silver, bronze, etc went outside of ACA plans.
dmc
11-23-18, 6:42am
I have Aetna, it cost $1500 per month for the two of us. About the same as last year. We have been paying for our own for the last 10 years or so. I don’t remember what it cost 10 years ago, but it’s been slowly creeping up. We were able to stay on my wife’s work insurance so we get their group rate.

instead of increased rates we have seen a rise in deductibles. I’ll have to look and see what we were paying 5-10 years ago.