What do you pay for medical insurance?

Ours is mostly paid for by work as well.  My husband and I discovered it is cheaper for each of us to pay for our own insurance.  So we pay about $800/yr each for medical, I pay $90/yr for dental (he got the free plan), and I think I added on the premium vision plan @ $16/yr.  He has good eyes.

This will all change someday with a kid in the picture, but for now it works great!

Right now, I pay nothing for medical/dental/vision insurance for myself.  On 1/1/2009, I will start paying $90/month for medical insurance.  Dental/vision will continue to be free.

The health care coverage is one of best perks of my job, besides the pension plan.

and where might you work?  are they hiring?

We're both self-employed, so it's not cheap.  We pay about $600/month for me, my husband, and our 2 year old daughter.  Deductible is $2,000, but the insurance covers office visits and shots for our daughter (which was important when she was a baby).  I'm thinking of changing to a cheaper plan though, now that she's older - I'm still having to pay out of pocket for blood tests (on a regular basis since I have thyroid issues), and I'm wondering why I pay so much for so little.  Might as well have a plan for more catastrophic events and save some $/month. 

I miss the days when I had a corporate job and paid $50/month.

Well, no, I don't - hated the job - but I sure wish our healthcare system was a bit more friendly to us self employed types!

Wife is a teacher and I am self employed so we pay nothing. One benefit of working for Uncle Sam, he seems to take care of his own peeps.

Also love the medical rider they provide. 37 times a year I can get a chiropractic adjustment and a hour massage for....$0. Can't beat that!

I work for my local county government.  Unfortunately, we have been in a hiring freeze since September.  We do have openings, but nobody can fill them. 

Oh, and I didn't add that I could continue to have free medical insurance on 1/1/2009, if I changed to the HMO plan that is offered.  My costs are from staying with the PPO plan.

The thought of having to pay out of pocket for something as essential as healthcare is mind boggling to me. Mind you, over 35% of our salary goes to taxes...

We pay $67.72 every 2 weeks.  That covers both of us.  We have a High Deductable plan and they (Aetna) put in $300/month into an account for us to use towards medical expenses.  We took the gamble that we would be ok for the first year and then they basically have paid the deductable.  It also includes free physical every year, all of Nan's girly stuff, 2 dental cleanings and x-rays, $300/yr for glasses and a free exam.  All of this is FREE and included.

If you're healthy, take a look at a HHD plan.  I was uncertain at first and it's pretty good.  It even covered Nan going to the dermatologist for her hands.

I think what you're paying is inexpensive.  IF we took the insurance through his company it would be upwards of $700/month.  They'll only pay for dental. 

We are insurance-less, choosing to pay outright for Doc visits for Toddleator, and anything else.  Barring anything tragic (knock on wood) we're OK.  I tried to get gap insurance, but my husband makes too much $$.

What's F^*#d up is that IF he gets laid off, then we could get full benefits along with the welfare.  Howzat for screwy?

It feels as if we're punished 'cause he makes too much money.

I could never go uninsured like that.  something catastrophic could wipe you out.  id pay the $700/month and wouldn't think twice...what about disease specific polices that cover certain conditions that are crazy expensive to treat....something?

I think we pay $40 per month for a High deductable plan. Basically we pay the first $3000 in costs, prescription and otherwise, and after that they pay 100%. Even if we paid the $3000 and the $40 per month, we'd come out better than insuring through my company where the monthly fee is $345 per month.

Plus we started a health care flexible spending account so that any money we do spend we can be reimbursed tax free.

Zip, zilch, nada, zero.  Well, unless you count blood, sweat, tears and being deployed as cost    Medical benefits for active duty personell is free.  There is no major medical facility here either so my families doctor visits and hospital bills are covered.  On a rare occasion I have a co-pay, usually for dental, for the family.

I remember complaining as a single guy that medical wan't really a benefit I counted since the most I used it for was tylenol when I had a hang over.  Then I got married and had a wife with cancer that went through Chemo and Radiation therapy, had an extreme premie and three knee surgeries.  Now it is at the top of my bennies list.

I count the blood, sweat, tears, & time away from family.  Yours is probably the most expensive there is.

And I appreciate your sacrifice.