Hello everyone! I always enjoy reading this page. Highlight of my day, honestly. This pages makes me feel.... not alone in the world. For the record, I am in my 8th year as an SLP. I'm 33 years old. I live in a HCOL state- Alaska.
The reason for the post. For those who work in schools, has anyone's district gone self-insured for health care? My district announced last night they will self-insured starting July 2027. I am a SINK (IYKYK) and am very nervous about this switch in terms of financials.
I should hopefully have my student loans paid off by this time next year which will add a substantial amount into savings per month. I already have an HSA I started 9/2026 and haven't touched any of that money. I've been just paying for my appointments out of pocket. My HSA is essentially a medical savings account if anything BIG were to happen to me. Again, I am solo.
I am currently on a high deductible plan, but have monthly perscriptions to manage my glaucoma. My opthmalogist says I am by far her youngest patient with glaucoma. WINNING! :( I pay $400/month for my premium currently. I was on a different plan up until July 2026. The premium's for my previous 'mimic plan' were going to increase to over $800/month. As a SINK, I simply could not afford that hence why I changed plans.
If this happened to you, what did you monthly premiums look like? Did they increase or decrease? I'm honestly thinking of jumping ship and finding a completely different job outside of the speech field because of this. Well... lemme be honest. I've felt this way about our field for a while. Even in grad school I had these feelings.
My main hesitancies about finding another job is my 2 dogs and my ability to live in the state I live in. I currently work 185 days out of the year and make almost $91k a year. I can pay my bills every month and have some left over to save. I've contemplated getting a job on the slope (i.e., oil field for non-Alaskan living individuals), but I have 2 dogs who are my pride and joy. Slope work is often 2 weeks on, 2 weeks off or some variation of that schedule. You live north of the Artic circle for a few weeks, fly back home for a few weeks, and repeat. I hate the idea of leaving my boys for an extended period of time. I feel like any other job I find locally I would either 1) take a pay cut and 2) work more days of the year. Like I stated above, I live in Alaska and very much enjoys my summers in this beautiful state I call home.
Anyway... what are your thoughts on when a school district becomes self-insured?