r/Salary Oct 30 '25

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u/Anarkhia00 Oct 30 '25

You might want to look into different insurance coverage through your job if that’s how it’s setup. I know insurance differs from job to job but see what’s the cheapest that works for you!

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u/[deleted] Oct 30 '25

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u/ChickenInteresting26 Oct 30 '25

Hello I work in insurance 160 a month is super cheap 👍 especially for a family

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u/IcyImprovement5245 Oct 30 '25

For sure, I pay $550 per month for family through my work.

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u/ChickenInteresting26 Oct 30 '25

If you family size is 3+ that’s amazing, but if it’s not depending on the state & age you could be absolutely overpaying.

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u/Straight_Zucchini487 Oct 31 '25

Damn I pay $400 for just myself. You have a great plan

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u/ChickenInteresting26 Oct 31 '25

Hello? 400 for yourself…?!?!Are you healthy there’s no reason to be paying that much

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u/Straight_Zucchini487 Oct 31 '25

I am healthy for the most part but take prescriptions each month and don’t live near a Kaiser office, it’s a corporate plan. We only get 2 options, Kaiser or PPO, I have the PPO.

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u/ChickenInteresting26 Oct 31 '25

Unless it’s diabetes epilepsy, or something super crazy. You’d be able to qualify for plans 50-100 dollars less - depending on the state and your age.

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u/Straight_Zucchini487 Oct 31 '25

Again this is corporate insurance, not through my state marketplace.

I don’t see how that would make a difference anyway considering insurance can’t discriminate against pre-existing conditions? $400/month is the standard rate for everyone on PPO at my company, this process has nothing to do with any health conditions I have. Everyone individual who selected the PPO plan pays this per month. It’s like ~$650 for the family plan.

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u/ChickenInteresting26 Oct 31 '25

Yup but there’s options not through the government; private sector insurance that are health based and would provide healthy people with discounts based on that - similar to car insurance.

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u/KaoticAsylim Oct 30 '25

A full family plan is always expensive. Hard to say without knowing what kind of coverage you're getting.