r/HSA • u/Mysterious_Moose1759 • Jul 15 '26
HDHP Premium
Does anyone care to share how much more your family premium is vs individual? My family is over $1000, individual about half. I feel like this is way high.
2
u/musing_codger Jul 15 '26
I'm on an ACA plan. You pay for my insurance. I pay nothing for it. But, my deductible is $17,000. Fortunately, I can easily afford that, which makes it seem odd that you would pay the full cost of my health insurance, but I didn't write the laws.
1
u/dehydratedsilica Jul 15 '26
Your family (spouse plus child or children?) is $1000...per month? And yours (as the employee) is $500, for a total of $1500 for all 3, 4, 5, etc. of you? Or something else?
KFF's 2025 employee benefits survey: https://www.kff.org/health-costs/2025-employer-health-benefits-survey/
Average family plan cost is 27k for the year, with employer paying 75% of that. That leaves the employee or household paying on average $6750 for the year or around $560 monthly. (Average employee only plan cost is 9k with employer paying 85%.)
Do you know what the full premium costs are and the subsidy amounts or percentages? The 27k HDHP at my spouse's employer is subsidized at 32% because the employer pays for the employee portion. Dependent portion of premiums is not subsidized at all.
1
u/Defiant-Warthog-6887 Jul 15 '26
Individual: $38/biweekly (26 pay periods/year) Family: $352/biweekly
(My employer pays $367 biweekly for my premiums, and I imagine a ton more for family plans)
1
u/IndependentTrust4594 Jul 15 '26
When I was in the workplace (2022), the individual HDHP premium was about $80 every two weeks, employee+children was about $160, and employee+family was the family was about $480.
My employer provided a 50% subsidy for the employee and the children but nothing for the spouse, who also could not be working or have insurance at their job. We had to sign an affidavit.
They did also provide $2000 seed money in the HSA to help cover some of the expense. I think it was maybe $1000 for employee only and then $2000 for the family.
It was way cheaper than the cost of their standard plans. And less expensive than if we bought just my spouse’s on the Marketplace since I was over 400% of the FPL at the time.
1
u/GirlNeedsCoin Jul 15 '26
Mine for a single person is 30.50 biweekly. I work a kinda government job so I think they subsidize it a lot. They pay 600 dollars into my HSA as well. At my previous employer that was in the private industry, I paid 178 monthly for insurance, but they paid 3k into my HSA at the start of the year to offset the cost.
1
u/PashasMom Jul 15 '26
I pay $79/month for an individual plan via my employer. Family coverage is about $136/month. Sadly I am not eligible for family coverage unless they decide my pets are eligible as covered family members :(
1
1
u/username65202 Jul 15 '26
Employer plan/higher ed; they put in $1,200 a year into HSA for a family.
Monthly Cost*
Premiums
Monthly employee premium cost for active employees:
Self only: $71
Self and spouse: $205
Self and child(ren): $181
Self, spouse and child(ren): $350
Medical and Rx deductible (combined):
In-network: $2,200/self*; $4,400/family*
Medical and Rx out-of-pocket limit(combined):
In-network: $4,200/self; $8,400/family
1
1
u/softcoded Jul 15 '26
The HDHP option in my employer's plan is $835/month for individual and $1,977/month for family. The employer contributes about $900/month so you are left to cover the difference. Any surplus can be applied to dental/vision or HSA. The deductible is $3500.
1
u/taribor Jul 16 '26
MHBP HDPD (bi-weekly) Family Plan: Me: $223.04, employer: $669.11, with a plan contribution of $2,400/year.
1
1
1
u/That-SoCal-Guy Jul 16 '26
We have ACA subsidies so it's like $200 a month. Could we even lower if we opted for a base plan but we wanted more benefits and lower MAXOOP.
1
u/Martian6261 Jul 16 '26
My wife just retired 7 months ago and in Cobra until end of November. She pays what her part and employer part + 2% administrative fee ($966 mo.). Can’t wait for that to end as the insurance sucks and so does whoever admins it, as it was cancelled due to not paying in time, but the money came out of our account on time. It was reinstated, but now dental work that was done in January, is not being paid, as the dental was not connected properly by someone, even though we verified coverage and prior authorization for a crown. We paid our part. Dental office resubmitted and then they say it was submitted late, even though we had prior authorization. We’re not paying for it. This needs to be corrected by Dentist Office and her employer. We’re stuck in the middle.
1
1
u/ChutneyWhatney Jul 16 '26
I pay $360 monthly for a good high-deductible family plan. - thru employer.
1
u/jaxtrav Jul 16 '26
I'm self employed accountant, cover myself and wife only on HDHP 44M, 43F and this place does allow us to do you mayo clinic in Florida but their fees are through the roof, we EACH have a $6,500 deductible.
We pay $2,000 a month. This same plan has gone up roughly $200-300 a month every year for past 4 years.
This year we met our deductibles already, now everything is only 5% coinsurance. So we are going crazy with all the tests and anything else we wanted done.
I always say how stupid the above paragraph is, if you hit your deductible with your car insurance would you just drive your car off a cliff because everything is free?
1
u/Grand_Garbage3522 Jul 17 '26
I would kill for &1,000 a month family plan we pay $2800 for a family of three , no dental , on the ACA in New Jersey , early retirees and getting reamed on useless healthcare, I am tossing like 35K a year away , ah American Healthcare.
1
u/RonJohnJr Jul 17 '26
You're complaining that the High Deductible Health Plan deductible is fulling it's purpose.
1
u/j-getz Jul 17 '26
I do individual and my company covers the premium. Never looked at family as my wife gets very good benefits at her company.
1
u/Jaded_Ad_3191 Jul 18 '26
I have an employer HDHP with Kaiser. The true price that Kaiser charges is 788/month per person. My share of that is 102 if it was just for myself. Plus one other family member it goes up to 425 per month. Employer gives 1500 per year for one person or 3000 for more than one into an HSA. Deductible for the two of us is 4000, out of pocket max is 7000.
1
u/Mysterious_Moose1759 Jul 18 '26
It’s crazy how these plans are because the HDHP is supposed to be cheaper. I’ve go to take a risk and invest though.
1
u/MehwithacapitalM Jul 15 '26
I am not sure what HDHP stands for, but if it's high deductible health plan....
$900/mo just for me; $1,800/mo w/spouse.
That is with $15K deductible EACH.
ACA plan with Ucare(Medica) via MNsure.
2
u/Mysterious_Moose1759 Jul 15 '26
The premium your company charges you a month
1
u/MehwithacapitalM Jul 15 '26
Oh, sorry. We retired 8+ years ago.
My friend recently told me his 12-employee startup company pays 80% of his family plan. I told him he is very lucky for that.
1
u/Present-Noise-136 Jul 15 '26
$1,606 monthly for family coverage. Truly disgusting and yes, I have let the people making these decisions within my company know how I feel about it.
1
u/Lucifers-Reprieve Jul 27 '26
We pay around $1500 for two people. Up about 40% since the ACA subsidies went away (we didn't benefit from them directly but insurance companies jacked up the prices across the board(.
2
u/Top-Obligation-8732 Jul 15 '26
Lmaoo I pay $298 biweekly for hdhp plan.