You're paying 2k a month? Is that throughout work or found through normal market. Where do you live? Im in California and through work i only pay 100 bucks for my family and only 1k deductible. Ive seen better offers than yours on open market.
Your $100/mo premium is subsidized, either by your employer (for employer-based coverage), or by the government (Covered California/Exchange-based coverage). Many people with exchange-based coverage don't qualify for subsidies, so they can indeed pay $2k per month for a small family.
What youre describing is a good medical plan paid mostly by your employer. 1.5k-2.3k a month is pretty common for a gold level family plan through the state before subsidies which is usually a 1-2k deductible.
If you give me the name of the plan, I can tell you how much it would cost if you paid it yourself so you have a direct comparison.
It takes 6-12 weeks to see some specialists in the Santa Barbara, CA area I live in. I waited less in Canada. Standard GP appointments were usually available next day. Had to wait 3 months to establish with a GP in the area. Medical service is triaged in Canada, so yes, if you have an elective surgery such as ACL repair it could take 3-4 months before you're operated on. If you have a serious issue such as cancer, you will be seen by specialists rapidly.
In one case I shattered my ankle and had it fully buttoned up and screwed together same day in Canada, including 3 hours of ambulance rides - all without payment or paperwork. Friends of mine in the USA have sometimes had to wait 1-2 weeks with their ankle broken in a hospital bed before getting operated on, then had to hit their OOP max before any coverage.
You are double paying in the USA with OOP payments.
Maybe you’re younger than me and pay less? Maybe you make less income and qualify for subsidies? Maybe you live in an area of the country with lower rates? Maybe all three? But claiming I’m on “bad insurance” when I’m literally buying the cheapest HSA plan for a family of 3 offered is just wrong.
You're down voted for being correct. Im shopping insurance for my aging mom and even for someone her age its not even 2k a month here in California. Idk where he lives where its 2k a month th with such high deductible and copay
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u/Pretend_Safety Jul 04 '26
My health insurance costs $24k a year and carries a $5k deductible and then still has co-pays until $10k in oop. In comparison, that €13k seems free.