Quote:
Originally Posted by Minte
That's nice..but how many more beyond YOU do you pay for. What is the demographics of the group you employ? Are they all young healthy bucks... Or are there some young ladies of child-bearing years? Or do you discriminate and not hire older workers that are more likely to need some type of longterm care..
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Well the company I devote my time to full-time is Canadian so none of that matters. I am a contractor however and there are two of us and I pay for the both of us. Until ObamaCare passed I was declined coverage whenever I would apply ... pre-existing conditions.
My last "real" job was VP of an insurance brokerage in the top 5% nationwide. Insurance costs were a consideration but we certainly didn't obsess over them... just a cost of doing business. Our group coverage was one of the things I oversaw and it wasn't as bad as most try to make it out to be. Employer contribution worked out to about $350/mo per head.
Edit: The group coverage was an HMO. On my own I pay $237 for 80/20 coverage with $1,000 out of pocket annual deductible and a $4,000 annual cap on out of pocket costs. Prescriptions for $4 for generics, $30 brand.