this post was submitted on 10 Dec 2024
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[Migrated, see pinned post] Casual Conversation
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I'm at about $600 for my wife and I. And still have a too large of a deductable, co-pays for Dr and prescriptions. Fuck the US health system.
$683 a month for me and my kids. And that’s less than half the total cost, which my employer pays.
Thankfully it’s such a small company everyone has the same insurance plan so it’s really good insurance.
Before Medicare, I paid $1500 for a mid-tier Kaiser plan. It had a $6000 annual deductible which I kept in a tax deductible Health Savings Account. For the most part, I paid for routine stuff like vaccinations, yearly checkup and bloodwork, meds like statins, and a bid discount on stuff from their pharmacy. With Medicare, I pay $185 to the US Government and $199 to Kaiser for their Advantage plan.
I only have my wife and I covered in my employer insurance plan and it's about $80 biweekly. And I have the highest coverage. I'm Canadian.
My wife and I are both healthy and middle ages but that sounds ridiculously expensive.
When I lived in the US, I was in my 20s and had no healthcare needs, with the exceptions of birth control, an off brand adhd medication, and regular appointments to get the latter prescription. I paid $13k a year for health insurance, for which I had to pay for the first $3k of my medical bills every year.