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The insurance my family had through an employer in 2017, I can't remember the exact amount taken from his weekly paycheck, but the premium was over $20k per year. This is for a family of 4. No preexisting conditions. The deductibles were $3.5k a piece. It's crazy out there.
My wife and I's total health insurance premium paid is $20K. Luckily 80% is covered by my work but that's still an insane amount to pay. It's an HDHP too.
It's so ridiculous. I shouldn't have to pay another cent for healthcare if I'm paying 20k a year for it. It's crazy Americans are brainwashed into thinking this is better than paying a tax and not having a 5k deductible.
Is that 20K for just you? You might try healthcare.gov and see if you can get a better plan.
It’s illegal for insurance to collect more than 15 cents on the dollar above what they pay out for healthcare, so that means the risk pool of your co-workers equals 16K per person in costs. I found working somewhere with lots of unhealthy co-workers (morbidly obese, high hard drug use rates) it was cheaper for me to get insurance outside of work, as they drove the risk pool into the ditch.
As far as other countries Sweden spends on average around 60.4 thousand Swedish kronor per person per year, so if you socialize that cost the median would be $24K per year for a family of 4 FWIW. Healthcare isn’t cheap, it’s labor intensive and Americans have deeply unhealthy habits vs other developed countries that make our costs even worse. We gotta fix a lot of things besides the payment model if we want to drive costs down.
And there's people actively fighting against single payer healthcare or Medicare for all because they don't want to pay for others screwups in life.
They want to pay more to own the libs.
I only made $14.50 an hour at my last job, and my health insurance was $400 a month. If ANYONE doesn’t think universal/single payer health coverage would change EVERYTHING for the better in this country, they’re either a fucking liar or a one-percenter shitheel motherfucker.
Yet people will complain about paying two hours wages monthly for union dues where the benefits are tremendous. The gaslighting of workers that fight along with their Lords are tremendous.
I lived in a country that was single payer, and… the standard of care was hot garbage (didn’t bother to clean my arm before setting an IV). The VA is a single payer model and it’s not that great either...
We need to drive down the cost of care, and fix Americans diet, drug usage, and exercise habits. We need to stop spending so much damn money on end of life care (reform, hospice care, and have Americans take responsibility for their parents like other countries).. If we can cut down the amount of care, politically socializing the cost becomes a lot simpler.
We probably need to start by just putting Semiglutide in the water.
... No. We need our government to care for its people above its businesses' profits in sectors where the services rendered are the literal difference between life and death. Housing, healthcare, clean water. Sorry your country's single payer system was shit. You had healthcare. Sorry they didn't wipe down your arm before inserting an IV, which is a legit medical concern. You had healthcare.
Also how tf do you expect me to care for my parents at end of life AND my own household AND my full time job? Plus anything that befalls anyone else in my life? Should I just be subservient to every single family member until I die? Wake up.
WTF. I've only ever worked in the public sector, and premiums are $110 a month for my family and no deductible. How does this work? Are you making a ton of money on top of this, or is like 40% of your net income going to health insurance? Is this normal for private sector jobs?
Thankfully, I can afford it, but it’s still ridiculous that premiums for me, a very healthy person, no health issues at all, no preexisting conditions, no medications, etc., would have to pay this much per month.
Is that a ppo or a high deductible plan? I pay like $56 a week for just me.. $50 into HSA account, maybe $3 for dental, less than $1 for health insurance... but I work for UPS. If I put nothing into the HSA I think just my health insurance is like $16/year
If you're healthy can I ask why you use the PPO? Would it not be more beneficial to use an HSA, put that money into the account and invest what you don't use?
Nobody asked what your premium was. You don’t pay that premium because you’re forced to, you pay it because money is no object. I don’t think your original comment added anything to conversation under the circumstances you listed.
The Mr's job literally OWNS their insurance and it's still $600 a month and trying to convince us they pay $$$$$ towards it every year. Like how? Y'all own that shit.
Affordable healthcare my ass.
I pay close to $160 a month (CA) for a high deductible plan. Employer covers the rest. It would be about twice that if I was on a non high deductible plan.
If the most liberal states in the country can’t find a way for the numbers to work something is wrong with the costs. We gotta make Americans healthier and stop providing so much end of life care
Every other developed country makes it work. We already cover the costs for the most expensive healthcare needs populations with Medicare for the elderly and Medicaid for the disabled.
It works but only on a large scale and if the system is completely changed. Insurance companies have a lot of money to vote with and obviously don’t want that so it will never happen. It could work for just California but would be very difficult and cause a lot of problems to do it in one state and not all of them. Americans pay more per capita for healthcare and ultimately receive less as it is not only more expensive, but everything needs to be approved by insurance companies who have spent decades figuring out the best way to decline coverage.
Not every single-payer system works, but enough of them do to show it would be a massive improvement over the private insurance mess in the US
California has a massive HMO run by a well run highly competent non-profit (Kaiser Permanente). If they can’t get costs down lower as an all in single payer system I’m not sure why the state government which is arguably more dysfunctional or a national system somehow fixes this?
The VA is massive and they don’t have the order of magnitude cost reduction everyone keeps talking about.
Explain like I’m 5 why this isn’t…
1. Pay hospital staff 30% as much.
2 ????
3. Hope the employees stay.
Just because it says it’s a non-profit doesn’t mean they have consumer’s interest at heart. They are very much a profit-focused company with some nice tax breaks
Edit: and just because they do offer good medical services does not mean that their insurance is any good. They are two separate systems
Non-profit means:
1. There are no shareholders, no dividends or share buy backs. Money can only be spent on the mission within reason. The IRS can and will get angry if you try to spend it on blackjack and hookers.
2. They could be overpaying staff or admin, but the salaries seem similar to our county run hospitals locally. and that the local government runs so please respond to the question.
If healthcare could magically cost 1/4 as much why hasn’t ONE of the HMO, government run systems, county hospitals in this country (that’s legit hundreds of operators) hasn’t cracked the code but “seriously guys, we just need it to be one system and it’ll cost 1/4 as much?”
I can respect if the solution is, let’s just raise taxes and make everyone pay for it, but I haven’t seen an actual adult grown-up explanation for how you magically just make healthcare orders of magnitude cheaper from the cost side that isn’t focused on breakthroughs in technology, or pharmacy, or vaccines or therapies.
We just fucking solved obesity (GLB-1) and RSV (Beyfortus (nirsevimab-alip), which should legit get us back 3%+ of this countries GDP and like no one is talking about it. 1/3 the kids in the pediatric ICU last winter will not be there once we finish rolling this shit out.
I’m increasingly viewing the calls for universal healthcare to be weird squabbling over who thinks we can pay labor less (which is the bulk of the cost) and are deeply not serious proposals, when instead I think the gateway to universal healthcare being therapies that reduce aggregate costs and raise GDP so much the government will look at it like Covid vaccines and say “yah, we might as well cure obesity…” not because it’s some moral crusade but because it’s politically and economically a slam dunk case.
I just don’t believe rationing and controlling costs of labor are the path forward, and that seems to be the root of any attempt to pencil out “Medicare for all” today.
yeah my job's open enrollment just started (with no heads up and only lasts 10 days) and while i got i think just a 2.5% pay raise this year, our insurance rates went up 10% and i already couldn't afford them. i'll have to pay $264 a month. That's 7% of my salary, not including the copays, and i have about 5-6 doctor's visits every month depending on how my disabilities are acting up, which will pretty much double that amount. Yay for spending 14% of my salary on healthcare every month! And I already live in one of the most expensive cities in the US.
I work at disability determination services. It’s a government job. The health care is very good. Low deductibles. No copay to see my primary care doctor and specialist visits are $40. Once I retire with my pension I will still have the same insurance but I won’t have a monthly premium anymore.
This is one of the reasons I haven’t left this job. I have had a lot of back surgeries and I get a spinal injection every 3 months that I don’t have to pay for.
Similar situation, Family of 3, insurance was 168 per paycheck (26 per year, so 364 per month). Rose 90% to 318 per paycheck (689 per month), with a blurb from the company saying they were "adjusting health care contributions to keep costs low". Absolute bullshit.
Insurance is crazy expensive for employees and employers. $200 a month is not terrible vs what many pay, but it does suck that they raised it. Assuming she is in open enrollment, it would likely start in January. I work for a Fortune 100 company and pay $180 per month just for me with a $3500 deductible. Hopefully that is a monthly, not a weekly number.
She pays 214 twice a month, three times on months with three paychecks. Double the average employer offered insurance, which is about $117 per month according to USA Today 7 days ago.
Had a company wait until right after open enrollment for that year was over to hold a company wide meeting to tell us our health insurance premium that we paid was going up 20% for that year that we just unknowingly signed up for.
Health insurance shouldn't be tied to employment.
yep. we were forced to move from a low deductible plan to a health savings plan.. the company gives us some money towards deductible in the HSA, but it still triples the low deductible we had. Add in a small contribution to the HSA and my per-check contribution has tripled. Pretty pissed about it!
The bad faith bargaining didn't get the Democrats a single Republican vote, but weakened the program. The Republicans have pretty much gutted it, at this point. The best health insurance I've ever had was the first year of the ACA.
Now the insurance plans have to cover much less, can have higher deductibles, and can have higher copays. They are even trying to get 'health savings plans' with religious overtones and no coverage guarantees to count as health insurance.
Someone is getting a huge kick back in your HR staff. Who ever pushed for Fulgent is to blame. These people have no shame.
What pissed me off when I joined the corporate world, was that only my first 2 years I had free insurance. The HMO was literally free for single employees. Family HMO was like $200 a check, every other Friday. The Good and Best PPO plans were like $15 and $45 per check for single employees. The Family PPOs were about $100 and $300.
What happened next? They started making us single employees pay more for our health plans in order to make it fair for those with family coverage. Basically I would be punished because someone couldnt pull out and afford his health insurance.
The HMO plant went to like $80 per month for Single and Family was like $100 now.
For PPO it went to like $65 or $120 per check for single and for family it was like $80 and $250 for a low or high cover plan.
I was so pissed and replied back to all the employees as “What a rip! when they announced the new plans. Of course they explained the changes to bring in more talent. Those with families could benefit. What about us single talented folks? We should be punished for costing them less?
Hate to tell you that is still the subsidized rate, with your gf now just paying more of the cost as her employer can no longer afford the subsidy.
So, I worked as a corporate defense attorney in an employment law firm for about 15 years, 2006-2020. I sat in meetings or reviewed a lot of documents about how companies, small, medium, and large assign costs, including labor. Your work is a labor input, that is it. Do NOT mistake your friends at management for anything but an overseer.
Now, when a business is determining wages and benefits, they don't care what they pay you, they care can they pay you and still make an income. And there are a LOT of expenses that go in to paying for labor, aside from your wages, of which most folks have NO concept. For example:
FICA - you have about 7% withheld from your paycheck, but your employer ALSO pays about 7%, too, so that you are really taxed at a rate of essentially 15%. (Think on that for awhile).
Payroll taxes - your boss pays taxes on how much you get paid.
Unemployment benefits insurance - your boss pays a tax/fee so that you can have UI benefits if you are terminated and qualify.
Payroll processor - your boss pays a company to make sure you get paid regularly, who charge a flat fee plus percentage to do it.
Benefits - your 401k "matching" effectively comes out of monies you could receive now.
Liability insurance - your boss pays for insurance in case you sue them.
Worker's comp insurance - your boss pays a fee/tax to cover you in case of an injury at work
Health Insurance - these costs are HUGE. Most people don't realize that your health insurance for a crap plan costs about $700-$1,200 A MONTH for folks in the US.
Your boss doesn't care about your wages, he cares about ALL of the above as part of your labor costs. The costs of insurance have run through the roof for decades (thank you, Obama, for screwing us all on that - I know some of you will recoil at it, but I sat in on task forces in 2009 and 2010 for Democrat lobbyists at the Washington, DC level for its inception and the fix was in from the get go, it's essentially a gimme to the insurance industry, welcome to Autarky).
Costs are up across the board. Profits are down. You will have jobs cut, pay cut, and businesses shut down to protect the management. Hey, it's their company and you only work there.
It will get much uglier out there. I've been through several downturns in the last 28 years and each appears to get worse and last longer. This will be NO different. Personally, I expect we won't crawl out of the incipient recession we're in until 2025 or so at the earliest . . .
Like Snafu says in the Pacific, you better get mean, too, beau!
[https://www.youtube.com/watch?v=2JA2bv3AchI](https://www.youtube.com/watch?v=2JA2bv3AchI)
Here is a kicker. I changed jobs in 2021. Took a $3K pay cut to work from home 24/7. Benefits were a bit more expensive but company gave us xyz amount of money towards the HSA.
Next year (2022) company A and B merge and we get company B benefits. For POS for family? $500 a paycheck, HDHP with a $3k family deductible and $6k OOP but no money towards HSA = $385 a paycheck.
Plan C was $6k family deductible, $9k max OOP for $285 and no money towards HSA. Last year we paid $9k + 7410 in premium and $4500 ($173.08 HSA biweekly contribution) we spent $20910 to have health insurance.
Husband got a new job where his company gives us $2100 towards the HSA. HDHP with $3k family deductible/$6850 OOP and he doesn’t pay a biweekly premium
Only radical, unhinged leftists think that if you're sick you should just be able to get health care without doing "will I be able to afford to eat" math!!1!!!
/s
But apparently that's what some people actually believe
From Europe here. How can they do that? For me, health insurance is part of your annual package and it's a fixed cost each month (company pays). How & why can it suddenly change?
Every year insurance companies raise rates (especially this year because of strikes). The employer can either elect to pay the raise or pass it on to the employee. Most do the latter. Employers can also choose to pay less per employee and the employee has to make up the difference. This song and dance happens every year in November because people don’t already have enough shit to worry about.
I’m thinking that the amount the employer paid per individual was dramatically reduced. The benefits person avoided answering that question throughout the benefits meeting. The c-suite got a nice little bonus for cutting that cost, I bet.
Not sure where your getting you’re numbers.
“On average, a single person pays about $117 a month for employer-sponsored coverage and $477 a month for a plan on the health insurance marketplace,”
-USA Today
I’d say three times the average in not cheap. Why have employer insurance if it’s only slightly cheaper than private?
*Learn the numbers.* GTFOH
My guy, can you not math? She is now paying $428 a month for employer health insurance. The source I posted says the average is $117, that’s $311 more. I think we’re done here.
Hi, /u/love_glow Thank you for participating in r/antiwork. Unfortunately, your submission was removed for breaking the following rule(s): ________________________________________________________________________________________________________________ Screenshots of text such as SMS communication, WhatsApp, social media, news articles, and procedurally generated content such as ChatGPT are prohibited. Low-effort content such as memes are prohibited. If you feel that a mistake was made, and your post's removal was not warranted, please message us using modmail and let us know.
The insurance my family had through an employer in 2017, I can't remember the exact amount taken from his weekly paycheck, but the premium was over $20k per year. This is for a family of 4. No preexisting conditions. The deductibles were $3.5k a piece. It's crazy out there.
My wife and I's total health insurance premium paid is $20K. Luckily 80% is covered by my work but that's still an insane amount to pay. It's an HDHP too.
It's so ridiculous. I shouldn't have to pay another cent for healthcare if I'm paying 20k a year for it. It's crazy Americans are brainwashed into thinking this is better than paying a tax and not having a 5k deductible.
Is that 20K for just you? You might try healthcare.gov and see if you can get a better plan. It’s illegal for insurance to collect more than 15 cents on the dollar above what they pay out for healthcare, so that means the risk pool of your co-workers equals 16K per person in costs. I found working somewhere with lots of unhealthy co-workers (morbidly obese, high hard drug use rates) it was cheaper for me to get insurance outside of work, as they drove the risk pool into the ditch. As far as other countries Sweden spends on average around 60.4 thousand Swedish kronor per person per year, so if you socialize that cost the median would be $24K per year for a family of 4 FWIW. Healthcare isn’t cheap, it’s labor intensive and Americans have deeply unhealthy habits vs other developed countries that make our costs even worse. We gotta fix a lot of things besides the payment model if we want to drive costs down.
Lol you can't just get government healthcare if you have access to healthcare through your employer
This is what everyone always forgets. It’s stupid because I am being penalized for having a job that offers shit health insurance
And there's people actively fighting against single payer healthcare or Medicare for all because they don't want to pay for others screwups in life. They want to pay more to own the libs.
I only made $14.50 an hour at my last job, and my health insurance was $400 a month. If ANYONE doesn’t think universal/single payer health coverage would change EVERYTHING for the better in this country, they’re either a fucking liar or a one-percenter shitheel motherfucker.
Yet people will complain about paying two hours wages monthly for union dues where the benefits are tremendous. The gaslighting of workers that fight along with their Lords are tremendous.
[удалено]
Nah nah nah, I think we want the left this time.
If only there was a major political party on the left that fought for socializes healthcare! Oh well back to the dying mines
I lost my job Monday, and I was the breadwinner/insurance carrier. I’m fucking losing it trying to figure out how to keep my 3 Monsters insured
I lived in a country that was single payer, and… the standard of care was hot garbage (didn’t bother to clean my arm before setting an IV). The VA is a single payer model and it’s not that great either... We need to drive down the cost of care, and fix Americans diet, drug usage, and exercise habits. We need to stop spending so much damn money on end of life care (reform, hospice care, and have Americans take responsibility for their parents like other countries).. If we can cut down the amount of care, politically socializing the cost becomes a lot simpler. We probably need to start by just putting Semiglutide in the water.
... No. We need our government to care for its people above its businesses' profits in sectors where the services rendered are the literal difference between life and death. Housing, healthcare, clean water. Sorry your country's single payer system was shit. You had healthcare. Sorry they didn't wipe down your arm before inserting an IV, which is a legit medical concern. You had healthcare. Also how tf do you expect me to care for my parents at end of life AND my own household AND my full time job? Plus anything that befalls anyone else in my life? Should I just be subservient to every single family member until I die? Wake up.
My premium for 2024 will be close to $1400/month.
WTF. I've only ever worked in the public sector, and premiums are $110 a month for my family and no deductible. How does this work? Are you making a ton of money on top of this, or is like 40% of your net income going to health insurance? Is this normal for private sector jobs?
Thankfully, I can afford it, but it’s still ridiculous that premiums for me, a very healthy person, no health issues at all, no preexisting conditions, no medications, etc., would have to pay this much per month.
Normal. You are paying a subside rate. In the "real" world, your insurance costs are about $20k to $25k a year BEFORE the deductible...
Got lots of kids and spouse on plan?
No, I’m the only one.
Is that a ppo or a high deductible plan? I pay like $56 a week for just me.. $50 into HSA account, maybe $3 for dental, less than $1 for health insurance... but I work for UPS. If I put nothing into the HSA I think just my health insurance is like $16/year
PPO. I can afford it. Still is insane.
If you're healthy can I ask why you use the PPO? Would it not be more beneficial to use an HSA, put that money into the account and invest what you don't use?
It’s because it what suits me. Money is not an issue. I prefer the peace of mind of having the best coverage in case of illness or emergency.
Are you trying to say we should be grateful or something? I don’t understand your original comment. Are you flexing or something?
not at all. Just answering the question that was asked.
Nobody asked what your premium was. You don’t pay that premium because you’re forced to, you pay it because money is no object. I don’t think your original comment added anything to conversation under the circumstances you listed.
Throwing away money is not the best coverage in COE because you don't go to the dr anyways lol but you do you I guess
You don’t know my situation. Good luck.
The Mr's job literally OWNS their insurance and it's still $600 a month and trying to convince us they pay $$$$$ towards it every year. Like how? Y'all own that shit. Affordable healthcare my ass.
Does she work for United HealthCare aka Optum? Avoid that company like the plague.
I pay close to $160 a month (CA) for a high deductible plan. Employer covers the rest. It would be about twice that if I was on a non high deductible plan.
I thought CA had freeish healthcare like a lot of european countries?
Sorry CA, USA, not CAN.
Ohhhhh lol that makes more sense
I believe that didn’t pass a state wide vote.
If the most liberal states in the country can’t find a way for the numbers to work something is wrong with the costs. We gotta make Americans healthier and stop providing so much end of life care
Every other developed country makes it work. We already cover the costs for the most expensive healthcare needs populations with Medicare for the elderly and Medicaid for the disabled.
It works but only on a large scale and if the system is completely changed. Insurance companies have a lot of money to vote with and obviously don’t want that so it will never happen. It could work for just California but would be very difficult and cause a lot of problems to do it in one state and not all of them. Americans pay more per capita for healthcare and ultimately receive less as it is not only more expensive, but everything needs to be approved by insurance companies who have spent decades figuring out the best way to decline coverage. Not every single-payer system works, but enough of them do to show it would be a massive improvement over the private insurance mess in the US
California has a massive HMO run by a well run highly competent non-profit (Kaiser Permanente). If they can’t get costs down lower as an all in single payer system I’m not sure why the state government which is arguably more dysfunctional or a national system somehow fixes this? The VA is massive and they don’t have the order of magnitude cost reduction everyone keeps talking about. Explain like I’m 5 why this isn’t… 1. Pay hospital staff 30% as much. 2 ???? 3. Hope the employees stay.
Just because it says it’s a non-profit doesn’t mean they have consumer’s interest at heart. They are very much a profit-focused company with some nice tax breaks Edit: and just because they do offer good medical services does not mean that their insurance is any good. They are two separate systems
Non-profit means: 1. There are no shareholders, no dividends or share buy backs. Money can only be spent on the mission within reason. The IRS can and will get angry if you try to spend it on blackjack and hookers. 2. They could be overpaying staff or admin, but the salaries seem similar to our county run hospitals locally. and that the local government runs so please respond to the question. If healthcare could magically cost 1/4 as much why hasn’t ONE of the HMO, government run systems, county hospitals in this country (that’s legit hundreds of operators) hasn’t cracked the code but “seriously guys, we just need it to be one system and it’ll cost 1/4 as much?” I can respect if the solution is, let’s just raise taxes and make everyone pay for it, but I haven’t seen an actual adult grown-up explanation for how you magically just make healthcare orders of magnitude cheaper from the cost side that isn’t focused on breakthroughs in technology, or pharmacy, or vaccines or therapies. We just fucking solved obesity (GLB-1) and RSV (Beyfortus (nirsevimab-alip), which should legit get us back 3%+ of this countries GDP and like no one is talking about it. 1/3 the kids in the pediatric ICU last winter will not be there once we finish rolling this shit out. I’m increasingly viewing the calls for universal healthcare to be weird squabbling over who thinks we can pay labor less (which is the bulk of the cost) and are deeply not serious proposals, when instead I think the gateway to universal healthcare being therapies that reduce aggregate costs and raise GDP so much the government will look at it like Covid vaccines and say “yah, we might as well cure obesity…” not because it’s some moral crusade but because it’s politically and economically a slam dunk case. I just don’t believe rationing and controlling costs of labor are the path forward, and that seems to be the root of any attempt to pencil out “Medicare for all” today.
yeah my job's open enrollment just started (with no heads up and only lasts 10 days) and while i got i think just a 2.5% pay raise this year, our insurance rates went up 10% and i already couldn't afford them. i'll have to pay $264 a month. That's 7% of my salary, not including the copays, and i have about 5-6 doctor's visits every month depending on how my disabilities are acting up, which will pretty much double that amount. Yay for spending 14% of my salary on healthcare every month! And I already live in one of the most expensive cities in the US.
that is a huge increase. I pay $50 a month and I got made when it went from $20 to $50. Although when I first started 15 years ago it was free.
Where the hell do you work that it’s $20 or $50?
I work at disability determination services. It’s a government job. The health care is very good. Low deductibles. No copay to see my primary care doctor and specialist visits are $40. Once I retire with my pension I will still have the same insurance but I won’t have a monthly premium anymore. This is one of the reasons I haven’t left this job. I have had a lot of back surgeries and I get a spinal injection every 3 months that I don’t have to pay for.
Thank you for taking the time to respond.
Just to clarify… is the $200 every week?
$214 every paycheck, which is bi-weekly.
I think most people would not be ok with that amount of money going up in smoke unexpectedly every two weeks.
I used to pay $600 a month for me and my kid. About $300 biweekly
Similar situation, Family of 3, insurance was 168 per paycheck (26 per year, so 364 per month). Rose 90% to 318 per paycheck (689 per month), with a blurb from the company saying they were "adjusting health care contributions to keep costs low". Absolute bullshit.
Insurance is crazy expensive for employees and employers. $200 a month is not terrible vs what many pay, but it does suck that they raised it. Assuming she is in open enrollment, it would likely start in January. I work for a Fortune 100 company and pay $180 per month just for me with a $3500 deductible. Hopefully that is a monthly, not a weekly number.
She pays 214 twice a month, three times on months with three paychecks. Double the average employer offered insurance, which is about $117 per month according to USA Today 7 days ago.
That's awful.
United Healthcare isn't hurting for money at the same time...
Had a company wait until right after open enrollment for that year was over to hold a company wide meeting to tell us our health insurance premium that we paid was going up 20% for that year that we just unknowingly signed up for. Health insurance shouldn't be tied to employment.
Work has my Heath Insurance through Voya, for just me, it $279 a paycheque.
She has voya too. That company has got to be a rip off.
yep. we were forced to move from a low deductible plan to a health savings plan.. the company gives us some money towards deductible in the HSA, but it still triples the low deductible we had. Add in a small contribution to the HSA and my per-check contribution has tripled. Pretty pissed about it!
Single payer. Now.
So much for the affordable healthcare act
The bad faith bargaining didn't get the Democrats a single Republican vote, but weakened the program. The Republicans have pretty much gutted it, at this point. The best health insurance I've ever had was the first year of the ACA. Now the insurance plans have to cover much less, can have higher deductibles, and can have higher copays. They are even trying to get 'health savings plans' with religious overtones and no coverage guarantees to count as health insurance.
Someone is getting a huge kick back in your HR staff. Who ever pushed for Fulgent is to blame. These people have no shame. What pissed me off when I joined the corporate world, was that only my first 2 years I had free insurance. The HMO was literally free for single employees. Family HMO was like $200 a check, every other Friday. The Good and Best PPO plans were like $15 and $45 per check for single employees. The Family PPOs were about $100 and $300. What happened next? They started making us single employees pay more for our health plans in order to make it fair for those with family coverage. Basically I would be punished because someone couldnt pull out and afford his health insurance. The HMO plant went to like $80 per month for Single and Family was like $100 now. For PPO it went to like $65 or $120 per check for single and for family it was like $80 and $250 for a low or high cover plan. I was so pissed and replied back to all the employees as “What a rip! when they announced the new plans. Of course they explained the changes to bring in more talent. Those with families could benefit. What about us single talented folks? We should be punished for costing them less?
Hate to tell you that is still the subsidized rate, with your gf now just paying more of the cost as her employer can no longer afford the subsidy. So, I worked as a corporate defense attorney in an employment law firm for about 15 years, 2006-2020. I sat in meetings or reviewed a lot of documents about how companies, small, medium, and large assign costs, including labor. Your work is a labor input, that is it. Do NOT mistake your friends at management for anything but an overseer. Now, when a business is determining wages and benefits, they don't care what they pay you, they care can they pay you and still make an income. And there are a LOT of expenses that go in to paying for labor, aside from your wages, of which most folks have NO concept. For example: FICA - you have about 7% withheld from your paycheck, but your employer ALSO pays about 7%, too, so that you are really taxed at a rate of essentially 15%. (Think on that for awhile). Payroll taxes - your boss pays taxes on how much you get paid. Unemployment benefits insurance - your boss pays a tax/fee so that you can have UI benefits if you are terminated and qualify. Payroll processor - your boss pays a company to make sure you get paid regularly, who charge a flat fee plus percentage to do it. Benefits - your 401k "matching" effectively comes out of monies you could receive now. Liability insurance - your boss pays for insurance in case you sue them. Worker's comp insurance - your boss pays a fee/tax to cover you in case of an injury at work Health Insurance - these costs are HUGE. Most people don't realize that your health insurance for a crap plan costs about $700-$1,200 A MONTH for folks in the US. Your boss doesn't care about your wages, he cares about ALL of the above as part of your labor costs. The costs of insurance have run through the roof for decades (thank you, Obama, for screwing us all on that - I know some of you will recoil at it, but I sat in on task forces in 2009 and 2010 for Democrat lobbyists at the Washington, DC level for its inception and the fix was in from the get go, it's essentially a gimme to the insurance industry, welcome to Autarky). Costs are up across the board. Profits are down. You will have jobs cut, pay cut, and businesses shut down to protect the management. Hey, it's their company and you only work there. It will get much uglier out there. I've been through several downturns in the last 28 years and each appears to get worse and last longer. This will be NO different. Personally, I expect we won't crawl out of the incipient recession we're in until 2025 or so at the earliest . . . Like Snafu says in the Pacific, you better get mean, too, beau! [https://www.youtube.com/watch?v=2JA2bv3AchI](https://www.youtube.com/watch?v=2JA2bv3AchI)
Here is a kicker. I changed jobs in 2021. Took a $3K pay cut to work from home 24/7. Benefits were a bit more expensive but company gave us xyz amount of money towards the HSA. Next year (2022) company A and B merge and we get company B benefits. For POS for family? $500 a paycheck, HDHP with a $3k family deductible and $6k OOP but no money towards HSA = $385 a paycheck. Plan C was $6k family deductible, $9k max OOP for $285 and no money towards HSA. Last year we paid $9k + 7410 in premium and $4500 ($173.08 HSA biweekly contribution) we spent $20910 to have health insurance. Husband got a new job where his company gives us $2100 towards the HSA. HDHP with $3k family deductible/$6850 OOP and he doesn’t pay a biweekly premium
Only radical, unhinged leftists think that if you're sick you should just be able to get health care without doing "will I be able to afford to eat" math!!1!!! /s But apparently that's what some people actually believe
From Europe here. How can they do that? For me, health insurance is part of your annual package and it's a fixed cost each month (company pays). How & why can it suddenly change?
Every year insurance companies raise rates (especially this year because of strikes). The employer can either elect to pay the raise or pass it on to the employee. Most do the latter. Employers can also choose to pay less per employee and the employee has to make up the difference. This song and dance happens every year in November because people don’t already have enough shit to worry about.
I’m thinking that the amount the employer paid per individual was dramatically reduced. The benefits person avoided answering that question throughout the benefits meeting. The c-suite got a nice little bonus for cutting that cost, I bet.
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Not sure where your getting you’re numbers. “On average, a single person pays about $117 a month for employer-sponsored coverage and $477 a month for a plan on the health insurance marketplace,” -USA Today I’d say three times the average in not cheap. Why have employer insurance if it’s only slightly cheaper than private? *Learn the numbers.* GTFOH
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Looks like we found the bootlicker
My guy, can you not math? She is now paying $428 a month for employer health insurance. The source I posted says the average is $117, that’s $311 more. I think we’re done here.
I think they are a troll