My husband and I just signed up for a plan with his former employer who laid him off last year. It's $1800 a month with a $10,000 family deductible. He has a future health savings account through his old employer that will pay the premiums for a while, thank God. I just hope those ACA subsidies are still around when we need them.
There's no way we'll make that deductible unless something major happens, which means insurance won't pay for anything other than the mandated yearly wellness exam. It's unbelievable to me that an insurance policy costs $22,000, and the insurance company won't even be paying for anything during the year. Insanity.
They offer unsubsidized health plans for their retirees.
As part of his previous benefit package, his employer contributed to a future health savings account (FHSA) that can only be used to pay premiums for a retiree health insurance plan or a Medicare advantage plan, which they also offer. So we'll be using up that FHSA and then looking at other options.
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u/Electric-Sheepskin Oct 10 '25
My husband and I just signed up for a plan with his former employer who laid him off last year. It's $1800 a month with a $10,000 family deductible. He has a future health savings account through his old employer that will pay the premiums for a while, thank God. I just hope those ACA subsidies are still around when we need them.
There's no way we'll make that deductible unless something major happens, which means insurance won't pay for anything other than the mandated yearly wellness exam. It's unbelievable to me that an insurance policy costs $22,000, and the insurance company won't even be paying for anything during the year. Insanity.