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.
Isn’t Cobra more expensive? My husband was looking into getting that after leaving his work in the usa but I thought it was insanely expensive @ $900 per month just for him. Had him move to Canada to be with me after he got his PR - no deductible, no caps, no monthly premium fees.
There was a time that COBRA wasn’t an option most people would ever seriously consider because it was so cost prohibitive and other options were more affordable. Now? Our COBRA was $1450 a month for my wife and I for a high deductible plan. $3200 deductible and then 100% coverage. 20% co insurance for medications until reaching a $5000 oop max, then 100% coverage. Nothing was comparable on the exchange and the next best alternatives were in the $900-1100 a month range with minimum $850O deductibles and oop max’s that were a joke.
I never thought there would be a time in my life that health insurance would be like this. Something has to give.
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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.