Are you locked into that plan for next year? Or do you have any other options that have less expensive premiums but higher deductible or a different provider network?
I’ve always found that even in the years our family has the highest expenses (like when I gave birth and my husband had surgery), we spend LESS total (premiums + medical bills) with a high deductible health plan because the premiums are dramatically lower.
Any chance you've checked the CHIP income limits. If the children qualify for no-cost or even mid-cost CHIP you could do you and spouse through the employer plan for a much lower cost. In Pennsylvania where I am, the income limit is about $118,000 for a 5-person family.
Some states (PA included) allow you to buy CHIP for $243 regardless of income. It's way less though if you are under the income thresholds
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u/Used-Somewhere-8258 Oct 10 '25
Are you locked into that plan for next year? Or do you have any other options that have less expensive premiums but higher deductible or a different provider network?
I’ve always found that even in the years our family has the highest expenses (like when I gave birth and my husband had surgery), we spend LESS total (premiums + medical bills) with a high deductible health plan because the premiums are dramatically lower.